Do you check on your credit report regularly? If not, you need to right now. Here’s why it’s important to track consistently. When it comes to tracking your debt and your money, you need to keep an eye on your credit report. I do this weekly, but you could opt to do it monthly instead. […]
Should you use credit cards for rewards and cashback?
There are a lot of credit cards out there that offer cashback and rewards. Should you use them in your budgeting? If you’re anything like me, you have offers for cashback or reward credit cards. In fact, I regularly use my PC Mastercard for the points that I get. I also take advantage of my […]
What is a cash-only budget and does it work?
With so many different types of budgeting methods, it’s hard to settle on one. Will the cash-only budget work for you? Budgeting is hard. It’s not just about setting the budget, but about sticking to it. One of the things you also need to figure out is which type of budgeting you’re going to use. […]
Is it too late to save for retirement in your 30s?
As you get older, you may feel the pressure more to save for retirement. Is it too late to start in your 30s? When you first start working in your teens or your 20s, you may not think much about saving for retirement. It’s so far away. Like you really need to worry about it […]
Setting up your budget: What’s your why?
When it comes to setting up your budget, you need to stop asking how. Ask yourself why you’re changing your money habits. When it comes to setting up budgets, I hear a lot of questions about how to do it, the best way to sticking to it, and how much money should be allocated where. […]
Why you need to choose bi-weekly loan repayments
You have the choice of your loan repayment options. You need to pick bi-weekly loan repayments, regardless of the loan type. There are some loans that you want to avoid as much as possible. I will say a car loan is one of them, but the truth is that a lot of people simply can’t […]
4 tips to get the raise you want
You want a raise, whether it’s with a private client or in your full-time job. Here are my four tips to get the raise you want and deserve. You want a raise. In fact, you deserve a raise. It’s time to up your rates in your business or to talk to your boss about your […]
What is the envelope budgeting system and does it work?
There are different types of budgeting systems available. The envelope budgeting system is one of the oldest and still most popular. When you look around at all the budgeting systems available, you may find yourself a little overwhelmed. There are some systems that have been around for decades, and one of those is the envelope […]
3 reasons to budget in to pay yourself first
When you set up a budget, whether personal or for the family, you need to make sure you pay yourself first. Here are three reasons why. You have this grand idea to pay off all your bills and then save the money that you have left over. Then you get to the end of the […]
5 tips to reduce your monthly outgoings
It’s hard to get ahead with your finances right now. Here are five tips to help reduce your monthly outgoings to get started. Inflation is still at an alarming rate, and interest rates are going up. This is having a knock-on effect on our monthly budgets. We need to find more money that we don’t […]