In a world that is driven by consumer fads, the seasons must haves and an unstoppable strive to want more and more; it’s no wonder that a large majority of us have huge credit card and loan debts –not including our mortgage- that we gain from keeping up with the latest fashions, decor, holidays and high flying life styles that we simply cannot afford. If you work and have an ok credit rating then you will be bombarded with credit card off...

Credit cards are one of the deadly sins when it comes to debt. It is understandable that they have their uses; you don’t have to carry large amounts of cash, you can securely book a variety of things over the phone or internet, etc. However with the rise in visa debit cards and maestro and solo being accepted in many more places around the globe; the need for credit cards is no longer essential. Credit cards charge you huge amounts of int...

If you have a gym membership and go to the gym regularly then that’s great. If like the rest of us, you have a gym membership that you signed up for as part of your new year’s resolution and after the first couple of months, never went back, cancel it. You may keep thinking to yourself that you are going to get back to the gym but deep down you know that it’s not going to happen. Even if you do have a sudden burst of energy and want to ...