Setting yourself financial goals might seem like an arduous and boring task; the sort of thing you have to do at work or school. For me though, setting goals is one of the most enjoyable things about personal finance! The problem I think that most people have is that they try to set themself financial...

It seems that there are two camps when it comes to frugality. In the face of reduced means (or an attempt to reduce spending) people appear to do one of two things; 1. buy less stuff 2. buy the same amount of stuff but go for cheaper options. Whilst on a superficial level these are both valid options...

I’ve been on holiday recently. Whilst away I had time to get seriously stuck into some books. One of them was David Bach’s ‘Start Late, Finish Rich’. An interesting book, should you be so inclined. In it, David refers to the ‘Latte Factor’. The basic principle is that...

As I’ve said previously, on many an occasion before I became a reformed spendthrift, I would decide to get my finances under control. The biggest barrier to success wasn’t my lack of understanding that things needed to change, but rather a major deficit in my appreciation as to just how bad...