You need a budget…no seriously, you do! You Need A Budget (youneedabudget.com, also known as YNAB) is the software I use to plan and track my money and I love it. I cannot sing it’s praises enough. When my debt problems got out of control, I turned to moneysavingexpert.com (MSE) – a U.K. based website and… Continue reading How I stay on track…
My lightbulb moment came last year – I have been in debt most of my adult life, but in 2016 it started spiralling out of control. It was clearly time to learn to manage my money. My debts are now history (more about that later I’m sure) but I still have spendaholic tendencies that need to… Continue reading If you have but two pennies left, spend one on bread and the other on a flower…
