1. Tips on avoiding debt

Debt is a funny thing that creeps up on you and next second you know you are neck deep and panicking. The best way to deal with debt is to be smart with your money to start with. And start now. In the case of debt, prevention is definitely...

2. Sticking to a budget

Once you have a budget drawn up you tend to feel very self-righteous and smug and you pack it away thinking your duty to yourself is done. Not quite. Drawing up the budget is the easy part. Putting it all down on paper is important, yes,...

3. Is there a solution to de...

Is there a solution to debt? That is a difficult question most likely has a complicated answer: it all depends on how far in debt you are. The last resort is being declared insolvent. From there you gradually work toward becoming...

4. Budgeting for beginners

Sitting down to draw up a budget is quite a daunting exercise, especially for the first time. Here are some steps to guide you: Step 1: Take the amount of your salary that goes into your bank account and transfer 10% of that straight into...

5. A very simple principle

Many of us bemoan how hard it is to save and budget and stretch your pay check as far as possible. We hear so many horror stories about people getting in debt and it is all rather scary. It really could be you. So what do we do about it?...