Photo by Rawpixel on Unsplash Getting back on track with time, money and what’s really important. Routines and structures are some of my biggest saviours. They are efficient, save me both time and money and reduce my stress as I take comfort in the certainty that returns to my world. As an … [Read more...]
Photo by Rawpixel.com on Pexels.com There was a time when I thought you either had time or you had money and when you had neither then things had to change. Despite sometimes still wishing I had more money or more security around it I have come through some tight financial times and I can see … [Read more...]
Trim your Christmas gift list. Try the fun of Kris Kringle gift giving - everyone gets one gift and the game of giving is part of it. Pay off any Christmas debts first. Start a budget & stick to it. Start the new year debt free. Start your planning for all special occasions and stick … [Read more...]