What should my financial plan cover?

What should my financial plan cover? Financial planning:  the ability to meet short term needs plus the confidence to realize long term objectives, while managing financial risk.  That’s my definition.  It really boils down to financial security – peace of mind.…
The Real Reasons Why You Are in Debt

The Real Reasons Why You Are in Debt The following is a guest post by blogger, economist and fan of this site Kostas Chiotis. Debt can feel like a never-ending, downward spiral. The fact that you’re in debt makes it…
3 Golden Rules to Rid Yourself of Debt

3 Golden Rules to Rid Yourself of Debt Let’s face it, debt sucks. The idea of owing money to others, a financial obligation, doesn’t sit well with me.  I suspect if you’re reading this blogpost debt doesn’t sit well with…
My struggle with GDSR and TDSR

My struggle with GDSR and TDSR I’ve heard these terms thrown around by a few financial institutions from time to time.  Here is a quick look and my quick take on them:  Gross Debt Service Ratio (GDSR) – % income…

My view on debt The more I write about personal finance, investing and my financial independence journey, the more aware I become of this: I hate debt. But, it seems like an necessary evil to help get ahead. Let me…