Let’s face the harsh reality. We all have faced or will face some sort of financial crisis in our lifetime and it is our responsibility to be ready for it.
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Losing a job – a lot of us have been there and know the horrible sinking feeling that accompanies your last paycheque.
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Money is one of the leading causes of stress for many people. You often feel you don’t have enough of it and when you do, you feel guilty about spending it in case you need it for an emergency.
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It feels like a catch-22 situation: you can’t take out credit cards, loans or mortgages without a good credit score, but in order to build your credit score you need to use a credit card or make loan repayments.
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When you decide to make a lifestyle change, it’s easy to go for an all or nothing approach – after all, you want to see results as quickly as you can.
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For anyone trying to take control of their finances, creating and managing a budget is absolutely vital. Here, you can see all your earnings and assess your out-goings.
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Those few days after the festive season are dangerous, right?
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