“You should not spend more than what you earn.”  You’ve probably heard it before. And it sounds simple, right? In principle, it is. But in reality, it isn’t. This is because the economy is designed for you to face debt at some stage in your life.  But that doesn’t mean […]

New Year’s Resolutions – the good intentions people have to be better at something in their life over the year. People often set too-difficult goals and ultimately fail. Setting up the right goals is the first step to achieving success. If “saving more” and “budgeting better” are goals on your […]

Many people in January suffer as a result of a long break between December’s earlier paycheck and the first paycheck of the year. There is also the burden on bank accounts from festive shopping and holiday spending. This leads to a common problem of “Januworrying” about stretching your money until […]