There are only four things that can prevent you from achieving financial independence. Luckily they can all be overcome if you understand them, and they are all really easy to understand.
Financial change happens one pay cheque at a time, but there are many things we can do between pay cheques to ensure we are better at our finances from one payday to the next. Consider this your how-to guide for financial discipline.
Prepare the ground before you start to invest – a firm foundation can protect your investments and ease the anxiety of making investment decisions. This is too important to rush.
I’ve received some requests for tips on how to get through January, because it usually feels three months long. January 2021 will be much worse than any January we’ve had before. If your December salary is paid earlier than usual, move the money for January into another account.
Being productive means making the most of your time – you can spend less and increase your quality of life. Do the things that really matter.