PHBS

4 Bad Habits That Are Costing You Money. -Buying things that you don’t need.One way to change this habit is to write down a diary with all your expenses for a week, once you have done that, identify all the costs that could have been avoided and find out how much is that costing you. […]

What you need to know before choosing to take a Loan. A Loan represents a responsibility that has to be dealt with care and maturity. Today’s topic will help you to understand more about the importance of analysing all your options before you make your decision. There are Good Loans and Bad Loans. Good Loans […]

If something were to happen to you today, Do you have an Emergency Fund? If you are looking at organising your expenses and finding financial stability the first step is to create an emergency fund, If you were involved in an accident today, for how long can you rely on your emergency funds? If the […]

How To Pay Off Your Loans. It’s important to understand that every single loan comes with a big responsibility, taking significant amounts of loans can affect your finances for an extended period of time. The first move towards paying your loan is to sit down and plan all your expenses; this will give you an […]

4 Easy Ways to Save Money. Having enough savings means having a safety net that allows you to get financial freedom and although saving can be stressful and slow, it means that you have fewer chances of getting involved with a Credit Loan. -Not seeing the money lying around is key to building your savings. […]

This could potentially change your life… If you want to learn how to improve your personal finances, we can help you to develop your financial skills and gain control over your lifestyle. MoneyMates is a FREE 8-week program. We talk about a range of different topics that allow you to make long-term changes and meet […]