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…

Tiny steps towards better finances — It’s almost that time of year again, and apparently finances are one of the top five areas that Americans focus on when setting New Year’s Resolutions. “Get richer” or “improve finances” may be perfectly reasonable resolutions to make, but aren’t that specific. If you really want to focus on better…

It happens to the wealthiest of us — You may be familiar with Parkinson’s Law. It’s usually framed in terms of work, rather than money, as it originally was by its author, Cyril Northcote Parkinson. …

And should you be following them? — Dave Ramsey is a controversial figure with plenty of detractors. Still, his seven financial rules are often quoted when discussing personal finance, even by those who don’t particularly like him as an individual. So what are his rules, and should we all really follow them? Spoiler alert: There are very…

Your finances can impact your partner, even if you keep them separate — There’s no obligation to merge your finances with your spouse. In fact, in the twenty first century, separate bank accounts, credit cards and investments are common, especially with the average marriage age rising, meaning many people already have these things in place long before they get married. You don’t have…

And is it even remotely practical for the average person? — Honestly, when it comes to budgeting, there are no hard and fast rules. Everyone is free to develop a system that works for them. Some people run a tight ship, some get by with no budget at all (and still don’t overspend). …

And how to get back on track — There are a few clear signs that your finances are out of control. And some relatively simple ways to get them back on track. You may be losing control of your personal finances if any of the following are true. You avoid looking at your bank balance If you don’t know where your money goes it makes…