How to Live Well While Spending Less
Daniel There’s a story we’re told from the beginning: spend more, live better. More income means more options. More options mean more happiness. Or so it seems. But spend enough time…
2025
The Truth About Buy Now, Pay Later Schemes
A few decades ago, if you wanted something you couldn’t afford, you had two choices: wait or borrow. Waiting built discipline. Borrowing built debt. Now we’ve added a third option…
How to Avoid Debt on a Low Income
Sophie Lane If you’re living on a low income, staying out of debt can feel like walking a tightrope in the wind. There’s little margin for error. One unexpected bill, one missed…
How to Use Cash Envelopes to Control Spending
A lot of financial tools try to teach you how to think about money. The cash envelope system does something different as it forces you to feel it. We’ve all…
The Most Dangerous Word in Your Budget
Jasmine Let’s talk about a word that might be quietly draining your bank account and it’s probably not the one you think. I’m not talking about “debt” or “splurge” or even…
How to Make a Debt-Free Vision Board
Debt has this strange way of shrinking your future. You still live your life, but with boundaries. A monthly payment here, a little guilt there. The weight isn’t always heavy,…
What Happens to Debt When You Die?
It’s not fun to think about. But just like we plan for retirement, buying a home, or paying for college, we should also be thinking about what happens after we’re…
How to Fund Big Goals Without Loans
“How are you going to afford this?” It’s easy to believe that big goals require big funding. That unless you have investors, a loan, or a six-figure savings account, your…
How to Set Financial Boundaries With Family
Money with strangers is transactional. Money with friends is generous. But money with family? That’s emotional. Sometimes explosively so. There are few things in life more entangled than family and…
How to Improve Your Credit Score in 6 Months
Let’s start with this: your credit score isn’t just a number. It’s your financial reputation. It can determine whether you get approved for a car loan, how much you’ll pay…