No-one likes Debt. It’s debilitating, can be difficult to shake and, in extreme cases, it can lead to bankruptcy. But there is a way you can rid yourself of your toxic debt and be financial independent again. And best of all it’s easy!

It is called a debt snowball and it will make paying off your debt easier than ever before.

The debt snowball

So what is a debt snowball?

It’s simply a way of paying off your debts – one by one – starting with the smallest debt you have and building to the largest.

Just like a snowball gathers more…

Have you ever thought about being your own boss?

It can be an intoxicating thought – not taking orders from anyone, setting your own hours, and creating something special.

Most people see starting your own business as an all-or-nothing proposition, giving up your day job and throwing everything you have at it, hoping it works.

This is why so many people never try running their own business – they are too scared that it won’t work, and have too much to lose if it doesn’t.

But there is another way. And most of the risk can be minimized.

Start…

Ever wanted to earn money for doing nothing? Most people think this is nothing more than a pipe-dream, but there are ways you can do just that!

Passive income

What we are talking about is ‘passive income’. Passive Income is money you earn when you are sleeping, resting, holidaying in Hawaii, or doing anything else other than working on what is earning you money.

Below are five proven ways to earn a passive income, and if you are savvy enough you may just be able to earn enough to quit your day job!

Saving money

This…

Saving can be difficult, but it is sometimes a necessity (like saving for your house deposit).

Every time you sit down for a meal there are savings to be had. This post aims to show you how you can saving money with each and every meal.

Breakfast

As they say, breakfast is the most important meal of the day. And they are right.

Have it at home Make time to include a solid breakfast before you leave the house.

An article by George Negus about the difference between cost of living pressures and cost of lifestyle pressures on Australians got me thinking about what we pay for now that our parents, or even our younger selves, never did.

Here are 5 things we never used to pay for:

1. Mobile phone bill

There was a time, believe it or not, when the term “Bill Shock” never existed. Now, many people – young and…