Budgeting

Picture your financial health

Creating a picture of your financial health enables you to quickly see where you need to make changes to your lifestyle to reduce debts and grow your wealth. Just as a physical healthcheck tells you you’ve been eating too many chips and need to do more exercise, so a financial healthcheck (or you could call …

Picture your financial health Read More »

Sketchnote showing how to draw a picture of your financial health. The picture consists of two columns. The lefthand column showing your monthly spend against earnings and the righthand column showing your net worth.

Spend less than you earn

These five words ‘spend less than you earn’ are the foundation of financial success. Just as personal trainers encourage people to consume less calories than they burn, money experts highlight consistent overspending as the single biggest threat to your financial wellbeing. Simply put, if you want to solve your money problems, spend less than you …

Spend less than you earn Read More »

Sketchnote showing how to create a savings rate by spending less than you earn