Debt is an, unfortunately, the fact of life for many people. It can often be a consequence of living beyond your means, but with what you feel is affordable debt. It is also often seen as essential in order to keep up with the neighbors or your friends. However, when something changes suddenly in your […]

Let me ask you a couple of very easy questions. What’s your take on personal financial management? Is it important for you? Well for almost all of us personal financial management is important. We know this. But the irony of this fact is that hardly few of us take up to the task of managing