Step 04: Pay off your Credit Cards and Store Cards.

One of the most important things to get rid of first on your road to financial freedom is debt.  Debt is bad – it incurs high interest rates, in access of 20%.  If you have a lump sum of money in a 32 day notice account, the banks only give you between 4 – 6…

Step 02: Download and Analyse your bank statements.

An important part of budgeting is knowing how and where you spend your money.  What are your spending habits and patterns?  Do you spend on a lot of takeaways?  Takeaways are one of the small expenses that tend to accumulate into a rather sizeable chunk of money spent. A suggestion is to always download your…

Step 01: Draw up a Financial Budget Plan

Yep, so your very first step en route to your financial freedom is to be financially intelligent and to achieve this, you can start by drawing up a budget.  What? … a budget …? Yes, a budget!  The thing that everyone you ask will tell you they have, but do they really have one …?…