2019 is looming over the horizon and together with the New Year comes our New Year’s resolution to improve our finances, as we promise ourselves that we’ll do better than in 2018.  However, most of us will set some grandiose financial goals that are almost impossible to attain like eradicating debt within 6 months! In this post, I will be giving you some financial guidelines that you can easily implement to help you set realistic goals with achievable targets.  So buckle up and let’s begin our journey into 2019. Mindful spending – make a conscious decision to spend less than you...

How to really save money when shopping on line. When Black Friday comes along it brings with it temptation to buy items with a very attractive discount.  While I encourage buying items online to save money, it is always good to decide what you want to purchase ahead of time.  However, to make sure that your money does not disappear because of a shady vendor, here are some tips to ensure that you buy with a fantastic discount and receive the goods. Choose a reputable vendor If you shop on line on a regular basis and you want to take...