The Ethics of Debt

With every economic crisis the first to suffer financially are usually those whose situation has been weakened by debt. Low levels of debt provide immunity to adverse conditions so that personal financial crisis can be averted. Taking on debt is a bit like taking laxatives – …Read more

A Good Financial Plan

Buying financial advice is a different experience than buying a new washing machine.  The trouble is, it is very hard to assess the quality of the advice you are buying in advance, and it may not be until some time after receiving and acting on the advice that you realise it was good, bad or indifferent. …Read more

Time is Money

One of the fundamental principles of managing money is that time and money are inextricably linked.

People who are successful at creating wealth are those who understand the connection between time and money and use it to their advantage. …Read more

Crunch Your Credit

A line of credit, or revolving credit, is a very useful facility to have as part of your mortgage structure. The way it works is …Read more

Managing your Mortgage

Buying a house is the most important financial decision that most people ever make.

The financial consequences of taking on a mortgage can have either a favourable or disastrous effect on your future prosperity depending on …Read more

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