It’s one way to deal with debt, but is it the best? — If you have a lot of credit card debt and want to take steps to get it under control, you may have considered a consolidation loan or, what can seem like an even easier option, the 0% credit card. Most loans that allow you to consolidate your debt will be…

And is it true that experiences make us happier than possessions? — You’ve probably heard that spending money on experiences generally makes us happier than spending it on things, so we should really go to town when it comes to vacation spending, right? Honestly, that depends, on a lot of factors. Ask yourself these questions before you plan your travel budget. What Do I Value? It’s…

Your skillset determines your income as a freelancer — Whether you’re freelancing as a side hustle, or going full-time, the amount you’ll earn will depend on the skills you have. Freelancing isn’t like having a job. No-one is going to pay you for turning up. Companies who outsource to freelancers are looking to fill in skill gaps in their…

And are those with a million-dollar net worth even that rich these days? — We’re often told we can save our way to wealth, or at least that being frugal can have a huge impact on our finances. It can be frustrating as hell. We all know that a lot of the people we see with money didn’t get it by being frugal. They…

Retirement doesn’t have to keep slipping further into the future — If you spend much time around ordinary working people (as opposed to the uber wealthy) you’ll have noticed that everyone’s talking about pushing their retirement date back. Inflation is high, wages are stagnant, and depending on where you live, taxes may be going in the wrong direction. I It’s easy…

That depends on what you do with your extra time and energy — If you’ve been reading a lot about ‘quiet quitting’ recently, it’s probably occurred to you that this is an age-old concept with a new (ish) name. Quiet quitting simply refers to workers deciding, quite deliberately, that they are no longer going to let work take over their entire life. There…

And automatically increase your profits — At least once a year, it’s a good idea to assess your freelance business and see if there are areas where you can save money. Many business expenses are automated, and it’s easy to allow them to get away from you if you don’t take a close look at your…

And what impact will you have on the local economy? — The phrase ‘digital nomad’ has been around for a while, but has become more widely used than ever in recent years. Traveling the world while working out of a laptop bag sounds amazing, for the person doing it, but digital nomadism has also been criticised. It’s even been suggested that…

No we’re not talking cryptocurrencies here — When people think of digital assets they often think of cryptocurrencies and NFTs. Those types of assets can be a good investment if you know what you’re doing. If you’re an artist or other creative you can even create your own NFTs and potentially profit from them. If, however, you’re…