We mostly think of debt as a really bad thing that we want to get rid of as soon as possible. However, there are some forms of debt that are really good for your financial health.

Despite them being good for your financial health, all of these ‘good’ debts come with a significant health warning.

Unless you are super disciplined and you know that you will not spend more money when you have debt available, you should skip this post and move on.

Although these ‘good...

Debt has been described as a menace, as a virus, as a destructive force of evil and indeed it can be all of these things, if you let it.

Debt can also be used in certain ways to your advantage, however these methods are only for the most disciplined.

You have to be honest with yourself here, if you are likely to ‘miss-use’ debt if it is available to you, you are better off paying off all your debt and having none available at all.

But how exactly do you pay off debts. It can be...

We all know that having a budget is a great idea, but it can be really hard to keep up with a budget.

Keeping a budget can be hard work, especially if you have multiple accounts and credit cards to keep track of.

Fortunately, there are some great apps to make life easier for you.

You can also download my free budget sheet to get you started.

Which app you use depends on what you are looking to get out of your budget and how often you are going to update it.

I actually use a combination of 2...

Having a budget can be great for your personal finances in so many ways.

Not only does having a budget mean you are in control, but it also means that you are making conscious decisions about how you spend your money on a day-to-day basis.

The simple fact is that most people have no idea at all what they are spending their money on, but then they wonder why they are struggling at the end of the month before their next pay check comes in. 

If you don’t track your spending and budget...

If you read part 2, you will know how my near death experience was one of the worst, and best, things that ever happened to me.

If you missed part 1, you can catch up here.

You might think that this was enough drama for one lifetime, but no … our story was not over yet, not by a long shot.

The Second Near Miss

About a year after my near death experience, Katherine was expecting our first baby. Everything was going according to plan and life was good. We were delighted at the...