Sometimes we may have some leftover budget money due to various factors such as price drop or an overestimation. You may have estimated that you’ll need to buy a certain amount of groceries only to find that a quarter of this had been carried forward from the previous month. This means that this month you […]

Borrowing requires careful consideration; always ask yourself whether it is the right decision as it involves making a commitment which, if not fulfilled can result in serious financial consequences. With the following five questions, you can make the right decision and avoid financial pitfalls. Is it really necessary to make the purchase? You may be […]

Living in survival mode is a situation where you are financially living day to day. You may be worried about how you’ll make it through till payday. Here are seven steps that can get you out of survival mode: Identify the problems What is it that has put you into this situation; do you have […]

Some habits will put us into debt but others can help us save. Here are some habits that you could start today to help you save some extra money: Changing and upgrading your system A change is as good as rest and at times it may bring good tidings. If you’ve been using a spending […]

Debt does not usually happen overnight, it’s a result of your daily habits. Here are some habits that may be leading you to debt: Spending more than you are earning For example, if you are making $1000 but end up spending more than this every month, this can lead to you being forced to borrow […]

We are all culprits, we have homes full of things which we haven’t used for years and with no expectation that they will be of value to us in the future. That’s clutter, stuff that appears from just anywhere, filling up your home with unnecessary items. It doesn’t have to be this way; you could […]

We all have hobbies, but at times some of the activities that we like engaging in can be really expensive. Here are five less expensive hobbies that you can start this year. Playing musical instruments You can learn how to play musical instruments, such as the guitar, and you will never be bored. You’ll spend […]

Winter is fast approaching, and as we know with this season the utility bills, especially energy costs, are likely to surge due to high consumption. Here are five ideas that can help save you money on utility bills this winter: Keep yourself warm Winter will always be cold, that’s a fact, therefore plan in advance. […]

Most people talk of balancing work and fun, but forget the importance of balancing their budget. You don’t have to spend huge sums of money to have quality time away from work. Entertainment does not have to take up much of your earnings. There are ways you can have fun and still leave enough money […]

We are all working hard to make ourselves rich, but we could be doing it the wrong way. It’s easier than we think. Here are four ideas that could break that barrier, some of which, we can bet, you’ve never thought of. Giving money or donating to worthy cause They say that giving is receiving- […]