20 Attributes of Millionaires

There is no monopoly on becoming a millionaire.  If you are jealous of those with more money, don’t just sit there and complain – do something to make more money yourself. – Gina Rinehart Having read countless material/articles and books on personal finance and habits of the affluent, here is a summary of what all…

The Effective Budget

Budgeting is telling your money where to go, rather than wondering where it went.  – John C. Maxwell Creating a spending plan, or simply put, a budget, was my saving grace financially. Before, when I never used to have one, I had no substantial savings at all, apart from the £2,000 I had saved up in…

Saving And Investing

Better to have, and not need, than to need, and not have. – Franz Kafka The Efficient Way Saving and investing are the gateway to financial freedom, and with the right information and know-how, what you put aside as investment has the potential to grow exponentially.  Money does buy you happiness, security, and comfort, and…

Financial Makeover

My first car was purchased on debt, until I realised how much extra I was paying in interest, I found myself a side hustle, and payed off £4,000 worth of car payments within 8 months. Paying off the debt 16 months ahead of schedule, allowed me to save a lot of money on interest payments, and trust me, after I cleared that debt, I felt liberated!