How to save for Christmas

While Christmas feels like it is a long way away, we need to start thinking about it again. It is a time of joy, family and gift giving; but it is also a time of raiding our savings. We need to take a more proactive approach to how we fund our Christmas spending. This isContinue reading “How to save for Christmas”

ETFs or Individual Stocks: Which One Should You Invest In?

When it comes to investing everyone has their view on what you should be putting your money into. Plenty of people are convinced that you should only put your money into real estate, or cryptocurrency, or gold etc. There are also people who swear by the stock market, but these are usual split into twoContinue reading “ETFs or Individual Stocks: Which One Should You Invest In?”

How to Budget

Being able to budget is an essential part of managing your personal finances. Without knowing the figures it can be very difficult to save money, pay off debt and reach financial independence effectively. This post will take you through the steps to budget effectively and kick start your financial journey. What is a Budget BeforeContinue reading “How to Budget”

Build Assets, not Liabilities!

If I was to ask you, do you know the difference between an asset and a liability, you would probably respond with ‘yes’. But do you? If everyone thinks they know the difference, why is it that the majority of people have more liabilities than assets? This is the question we all need to askContinue reading “Build Assets, not Liabilities!”