A cash buffer is your first line of defence against expensive debt, unnecessary stress and being overwhelmed by life’s unexpected events. Yet too many of us fail to build a cash reserve that we can fall back on if we become unwell, need an urgent repair, or face unemployment. This short article helps you work out what you need.
Category Archives: Savings
What can you do to control your spending if budgeting doesn’t work for you? Are you someone who never has money left over at the end of your pay period? I certainly have.
Marketers are desperate to part you from your money this Christmas – and after the 2020 effect on sales, they are going to do whatever they can to get your cash. But once you know what to look out for, and what to consider – you will be far less likely to be sucked in.
In a misguided attempt to become more frugal one February, I decided to give up coffee for a month. I freely admit, I’m addicted to the stuff. So, when I say a month – I lasted – well – less than a month. Because I failed. Badly. After a week I returned to the café…
I know I know I know – every money coach or savings adviser worth their salt says ‘give up your daily coffee / avocado toast / [insert small luxury here] and you will save enough money for a house deposit in a year’! Well, I’m not saying that – because it’s BS
