When you think about where you would like to be financially in a few years, you understandably may have grand dreams of being financially independent and of working for the enjoyment rather than because of necessity. Perhaps you only want to work part-time so that you have more free time to spend with loved ones. Unfortunately, it may seem like these dreams will continue to be dreams because of a tight budget. After all, if you cannot afford to save and invest for the future, you cannot realistically expect to improve your lifestyle. Some experts recommend cutting back by reducing your lifestyle to an almost painful level. While this is…

I remember the days before having a child when I could choose any handbag I wanted because all I had to carry was my stuff, the things that I wanted or needed. But flash forward to those early days of being a mom, and suddenly you seem to be carrying your whole life, and someone’s else’s, around with you. Most new mom’s opt for a baby bag, and, it has to be said, the modern versions of baby bags are pretty stylish, particularly if your style doesn’t lend itself to something covered in bunnies and ducks. These are brilliant in that they often have space for bottles, a portable changing…

Stability sounds like a big, serious word. It isn’t always. Sometimes it looks like checking bank apps at 10 pm while reheating tea for the third time. Sometimes it’s noticing how personal money and business money blur together when life gets busy. That’s where problems usually sneak in. Not during big decisions. During tired ones. Financial and asset stability rarely happens by accident. It grows from habits. Boring ones. The last time this approach was attempted inside a small family retail operation, everything improved once boundaries were created between personal spending and company cash flow. Not glamorous. Effective though. There’s also an emotional side nobody talks about enough. Security isn’t…