Personal Finance and Investing

Our mothers may have told us that there was no such thing as a free lunch. But it turns out they were wrong. These days it really is possible to lay your hands on free money. How? By visiting the wealth of cashback websites or by using a cashback credit card for starters. Or, if you don’t want to have to spend money to get money, just by switching your current account.

Switch current accounts

In the last six months, I’ve made £300 just by switching bank accounts twice – something which took about 30 minutes of my time in total.

Offering a cash incentive to get people to switch current accounts has become increasingly popular. Th

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The truth about saving money for retirement is that it is NEVER too early to start saving money for retirement. What people may not know at an early age however is how to start saving for money for your retirement. The biggest problem with finding out later in life that you hate your job and want nothing more than to sip drinks on the beach is the fact that it takes years and years to  build wealth and if you decide too late you want to retire young, you may have missed the boat.

So no matter how old you are there are certain categories in which most people should look to when it comes to basic money management and learning how to start saving for retirement.

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Living with debt isn’t something anyone wants to do. Still, sometimes you just have to live with some debt for a while. Not everyone knows how to live with debt gracefully. Everyone knows that you should restructure your finances and your life to get out of debt but that is only one piece of the puzzle. Living with debt is as much a mental challenge as it is a financial one. These are the ways that you can live with debt.

Acceptance Is The First Step

First and foremost, you need to accept that you are in debt. This means taking the time to stop and look at all the debt that you have accumulated. Y

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I am a Starbucks addict. I will openly admit it. Starbucks is an indulgence for me, on days when I am having difficulties at work, a relationship crisis, or when I just feel like procrastinating. If you are like me, and you are attempting to stick to a budget every month and trying to be diligent about paying down your debt, then Starbucks does not fit into that equation very well. Especially, when your habit turns into a twice a week or every other day experience!

Image from WomansDay

So, I decided there had to be a way for me to enjoy a gratifying, extra sugary coffee treat without paying $4.65 for it.

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