Getting Back to Zero: Be Money Conscious

Good morning everyone! Please help me welcome John and David A.K.A. the Debt Free Guys, who want to help you live a debt free life over at Savvy Scot!

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January 2015 blog income and stats recap

Morning! There is a new blog income recap over at Make Money Your Way, click to check it out!

Planning Your Monthly Household Budget

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I can’t believe it is February already. The past month has been a blur, and I haven’t set yearly goals yet, as every time I try to write down something, life gets in the way. That is how you stop watching your finances and wonder why there isn’t anything left at the end of the month… Not good! So today let’s all get into financial shape for the new year and talk about how you can plan for your monthly household budget. It is less scary than it seems, you just need to figure out what is coming in, and what is going out every month. [Read more...]

When Your Money Troubles Cause Serious Anxiety and Depression

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Money troubles got you down? You’re not alone. In the U.S. alone, workers lose $192.3 billion every year in earnings because of depression and other mental illnesses. Depression can happen because of money troubles, and money troubles can happen because of depression. No matter which comes first — the chicken or the egg — you can find a way to keep money troubles from derailing your financial future. [Read more...]

Finding your dream home

When you look for a perfect home, there are lots of things you may have in mind. Bay windows, that nice little kitchen nook or perfect sized walk-in closet. I know I can spend hours browsing real estate sites, dreaming of being able to afford the best properties with spectacular sea views and bedrooms so big you can throw a party. Actually, I do a little more than dreaming. I look for the features I like best, and then go down to my price range, to see if, with a limited budget, I can make concession yet still get what is really important to me. [Read more...]

Ways to Earn Money from a Blog


There are a host of reasons to start your own blog, such as giving advice, providing helpful tips and also simply an online collection of your thoughts. But your own full-time blog or project on the side, can result in something that speaks to people in any language: cash. [Read more...]

How to Make the Switch from Employee to Entrepreneur


There are millions of people around the world who dream of quitting their boring, nine-to-five job and starting their own business where they can be the boss. However, only a small number of people ever turn their dream into a reality. Some are afraid of failure, while others are not sure what business to get into. There is also the problem of startup money, which many people are not able to raise. If you want to become an entrepreneur like Carl Freer, the founder of Tiger Telematics, you must take the first step. It can be scary, but if you don’t try, you will be stuck in your current job forever. Here are some things to keep in mind that will help you to make the transition from an employee to an entrepreneur. [Read more...]

Yes, you can be social AND frugal

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Often, when we think of social interaction, meeting up with friends or having fun with family, we think about activities that cost quite a lot of money. Taking your family to an amusement park or meeting your friends for drinks and dinner can become expensive if it is a regular habit. Here are a few ideas of how you can have fun without spending a ton of money. [Read more...]

A New Goal for a New Year!

A New Goal for a New Year!

This is a guest post from my VA Clarisse, who talks about how she turned her financial life around all the way to home ownership!

I was only 19 and my husband 18 when we got married. At the age of 21, my daughter was born without even thinking having a baby could be difficult financially. Yes, we were both immature during those times. Thankfully, our parents didn’t give up; they didn’t get tired of guiding us always. We are currently living in my parents’ house, Filipino families are widely known for having extended family living in one house or mostly young adults living in their parents’ house. When my father died 7 years ago at the age of 49 because of colon cancer, I told myself that I would not leave my mother. [Read more...]

Start a blog as a side income stream


Making money online is a dream for many, and while it may seem easy, unless you are a web genius, it is not. When I started blogging, I had no idea it would take so many hours, especially behind the scenes. There is always something going on, even though platforms like WordPress have made things much easier compared to when I learned about making a website on Dreamweaver a few years ago. To get started, you need to buy a domain name, and hosting from one of the numerous companies offering that service. That should cost you around £50 for the first year, which is not a big investment to give a new business a try. But the real investment is the hours you are going to put in. The more time you dedicate to your blog, the better the returns. [Read more...]