Envelope budgeting has been around for years. There is a good chance that if you asked an older family member they will have either done it or heard about it. I have mentioned envelope budgeting in a few articles in the past and again recently. It is recommended by financial gurus such as Dave Ramsey […]

Do you manage your money or does your money manage you? For some living from paycheck to paycheck is a difficult way of life, and often results in more month than there is money. Money in Money out When you do not manage your money properly this is what happens. Money comes in on payday […]

There are no quick fixes in getting out of debt. Whether you are doing it yourself or with an advisor, getting out of debt will take time. Depending on the amount of debt, it could take weeks, months or even years. Debt snowballing, quick method to small debt One of the quickest methods, when doing […]

It is your responsibility. Now that you have dealt with the past and, hopefully reconciled the present, it is time to deal with the future. The first thing that we must all remember is that people come before money.  Money cannot protect you from ageing, illness or death but it can help your family survive […]

In part 3 of this Road to Financial Freedom series, we will look at facing your money fears and changing them to positive statements. The truth is that we do need money to survive but we don’t need it to live. We spend our money on fixing things that are broken but we don’t fix […]

Welcome to week 2 of our financial freedom series. Once you have identified your money memories, it is time to acknowledge and understand their impact on how you handle your money. Some of the other memories you need to unpack to understand your money habits are also from your childhood What’s the best gift you […]