Finances

Five Keys to Money Mastery

Money management is simple, right? We all know what to do: spend less than you make, invest 15-20% of your income and avoid debt like the plague. Simple in theory, yes. In everyday life… not so much. Our relationship with money is hard coded into our identity, as research shows that our money habits are […]

Career Finances

Need to downsize due to COVID-19? Here’s a step by step guide

We didn’t ask for the COVID -19 crisis to upend all our plans and goals for 2020. But here we are. When we face a time of crisis, what makes it most difficult to manage is the fact that we didn’t have control over it. There is a tendency to resist the changes that we […]

Finances Soul

I have contributed to barbaric consumerism. And it kills me.

I’d finally found the perfect pair of black trousers. The fit was great, even though it wasn’t on sale. (The large sale signs were what drew me into the fast fashion store in the first place). I was standing in line to buy it but couldn’t ignore the gnawing sensation in my tummy. Just weeks […]

Career Finances Spirit

Five Mindset Shifts That Will Turn You Into A Money Genius

Too many people dream of having more. Far too few take simple, practical steps to alter their financial future. I too, at one stage in my life, resented rich people who seemed to have it all. I bemoaned the fact that I was born on the wrong side of the tracks. Other people were born […]

Bridal couple figurine standing next to stacked coins
Finances Spirit

How Getting Married Can Change Your Financial Landscape

“I used to be a shopaholic”, I tell people. My emphasis on the past tense is a way to reassure myself that my financial life is changing. That I am changing. And in many ways, I am. What has changed is the fact that I now use cash instead of credit when I buy anything. That’s […]

Career Finances

The Day I Killed My Credit Card

14 July 2014. A day that will be engraved in Cheryl history as the day that I won a small but significant battle in my fight for financial freedom. I’ll be honest. I’ve closed credit cards before. There have been cycles in my life where I used to get mad at myself and resolve that […]