Giving yourself a spending allowance is a great way to have some cash available for autonomous and guilt free purchases, while having the added benefit of reducing unnecessary purchases and increasing your savings. When your available “spending” money is just part of your overall budget, it makes it far too…
Wants vs. needs
Everyday you hear people talk about how we should all “live within our means”. Yet 95% of people don’t do it. That’s why household debt ratios are at an all time high. But if you want to pursue Financial Freedom, even living within your means isn’t going to cut it. You need…