UNDERSTANDING THE FIRST STEPS When I first considered investing, I felt overwhelmed. Stocks, real estate, crypto, funds—everywhere I looked, there was noise. Everyone had an opinion, and most of it sounded like another language. But then I realized something: every successful investor started exactly where I was—clueless but curious. The truth is, investing isn’t just…
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CREATE A MONTHLY BUDGET AND STICK TO IT Managing your money begins with knowing where it’s going. One of the smartest habits you can adopt is creating a monthly budget. This means listing out all your income sources and every single expense—from rent and groceries to those daily coffee runs. When I first started budgeting,…
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REAL STORIES OF CONSUMER BANKRUPTCY: HOW ORDINARY PEOPLE ESCAPED THE DEBT TRAP INTRODUCING THE HUMAN SIDE OF BANKRUPTCY When we talk about consumer bankruptcy, most people think of legal procedures, court filings, and debt schedules. But behind every case is a human story—someone who tried to stay afloat but eventually needed a lifeline. Understanding bankruptcy…
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WHEN ROCK BOTTOM BECOMES A STARTING POINT I never expected my life to fall apart so fast. One moment I had a steady job, a cozy apartment, and a predictable routine. The next, I was staring at a termination letter, a pile of unpaid bills, and an empty fridge. Losing my job wasn’t just a…
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SAVING MONEY ISN’T ABOUT SACRIFICE—IT’S ABOUT SMART CHOICES Saving money doesn’t mean you have to live a boring or joyless life. In fact, being smart with your finances can give you more freedom, not less. It’s not about cutting out every pleasure—it’s about knowing what really matters to you and spending with intention. I used…
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THE DIFFERENCE BETWEEN BEING FRUGAL AND BEING DEPRIVED Living frugally doesn’t mean living without joy, comfort, or style. The key difference lies in mindset. Frugality is a conscious choice to spend smarter, not necessarily less. It’s about prioritizing value over cost and deciding what truly matters. Being poor, on the other hand, is often about…
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LOOKING RICH ISN’T THE SAME AS BEING RICH When I was younger, I thought success was all about showing it off. The flashier the car, the cooler the clothes, the better people would think of me. But here’s the truth I wish I had learned sooner: real wealth is quiet. It’s not in shiny things…
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The introduction of the internet has revolutionised the finance industry, not only increasing the types of loans available, but making them much more accessible too. One sector of the finance industry that has been impacted massively by the internet is the unsecured market and more specifically lenders offering loans to those with bad credit. Because…
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Free game-plan — get the 5-step, reproducible strategy we used to pay off our $72,500 of student loan debt in just 20 months. Grab it here: gritvsdebt.com/gameplan (just copy and paste into your browser) On our honeymoon, my wife and I decided to try to pay off our massive student loan balance in less than…
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