From an early age, I was programmed to think and believe that a woman had to look good to be relevant and taken seriously in society and by society. The messaging was very clear to me, regardless whether a woman even planned to be in the public eye or not, most of her focus should…
For years I nurtured a belief that whatever I earn, it needs to be spent. In my naivety,I never thought that I should have invested the surplus, instead of consuming themoment it arrived in my bank account. I often wondered what I was going to buywith the extra money that was coming my way. For…
We all spend plenty on things that have no practical use or usefulness in our lives. I’ve recently wondered what small items/things people tend to buy a lot of while throwing their hard-earned money down the drain. This is the list I came up with, but if you have anything to add to it, please…
Whatever the banks or financial advisors tell you regarding accumulating debts, consumer debt has never been your friend. In fact, I would go as far as saying that personal debt is your mortal enemy that threatens to suck the happiness out of your life. In our culture of instant gratification, it’s easy to overspend and…
People often say that a cup of coffee costs only £3 and that’s nothing. Well, it’s rather incorrect. £0 is nothing, so let’s assume that £3 is not a massive amount of money. However, if you buy one cup of coffee every day (including the weekends), you will end up spending £21 a week, which…
To make it out of the dungeons and become financially independent sooner rather than later, you will need to begin with shifting and adjusting your mindset. As with any life-changing strategy, it won’t happen overnight; you need time. In my case, I watched “The Minimalists” documentary years ago, and then I read Mr Money Mustache…
Recently I read that women from my generation will never earn more than our fathers did; even though we are much better educated, we will still struggle financially. After taking some time to analyse my girlfriends’ and my finances carefully, with a heavy heart, I had to agree with that statement. We were all very…
Do you ever wonder where all your money goes? How can you track your spending? Do you think of tracking it at all? For years I didn’t really know where my money was going. Each month I was surprised that I had nothing left in my bank account by the end of it. I worked…
Financial independence is not about not working or not having to work for the rest of your life. Lots of people, who are lucky enough to become financially independent early in life, choose to work, basing their choices on what they want and what’s right for them, instead of having to make their decisions on…
Even though I’ve been working since my early 20’s, I’ve never been a big saver. My childhood programming led me to believe that one day, somehow, substantial check from one of my amazing and brilliant ideas would materialize and solve all of my years of financial negligence, hence no need to safe anything along the…
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