Debt Management Budgets – A waste of time?
How often have you heard that the first thing you need to do in Debt management is to make a budget? I don’t necessarily agree. In fact in a lot of cases creating a debt management budget can be a...
View ArticleShopping – your drug of choice?
I’m just now recovering from what the ‘experts’ would call cold turkey. Yesterday I went to the local mall to buy some books that I had been meaning to buy online but couldn’t face the wait. The...
View ArticleWhere is my money? Clarity is the key
Picture the scene. It’s the end of the month and you’re about to get paid, before you do you check your bank balance and you realize that you didn’t spend as much as you did last month and that you...
View ArticleSaving while in debt – does it make sense?
Saving while in debt seems to be a bit of a contradiction. If you are in debt then why should you save? Shouldn’t every last cent be going towards paying off your debt? Ah you must mean the emergency...
View ArticleLiving Paycheck to Credit card to Paycheck
Don’t get me started on the treadmill that was my (mis)management of my monthly Paycheck. Ok I’m not as bad at it now as I was about five years ago. Five years ago I was living Paycheck to Paycheck,...
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