Imagine for a moment that you're a kid again. Where do you see yourself? What do you wanna do? What are your hopes for the future? Maybe you want to be an astronaut, or an adventurer, or the next drag super-star! We love to see it. What you probably didn't picture was a life spent in crippling debt.
If you don't have one, get one.
It's Friday, March 20th 2015. I've perched myself on the edge of a needlessly deep tub-style chair in an Arnold Clark showroom. I had just taken a Ford Fiesta for a test drive and had decided it was the one for me. I was 18-years-old and had spent the past year of my life researching cars, seeing which car in...
I recently posted my plan for Financial Independence, Retire Early to showcase that there is another way to live your life besides working for most of it. But there's actually something I should add to that, if I may.
When we are in employment, our living expenses can be met using the money paid into our bank account each month by our employers. This is money which is given to us in exchange for time spent working for them - hence the phrase, 'time is money.' In order to stop working, you must have enough money coming in...
Nobody likes to think what could happen in a worst-case scenario. We're much happier living under the notion that it would never happen to us - until of course it does. All sorts of emergencies can rock our lives with no warning. Anything from an expensive appliance breaking, to loosing a job or suffering severe injury or illness. That last...
I distinctly remember the day I decided I was going to get a credit card. I must have been about 16, sat in a Higher Administration class listening to our teacher, Mr McGowan, going off on one of his tangents. He was that kind of teacher. He'd go off on huge tangents that could consume entire lessons and yet it...