Working from home is a dream that most of us have. Avoiding the daily commute to your place of work or not having to deal with the boss from hell is a thought that fills your heart with joy. While these ideas are highly actionable, most will not earn you enough to give up your day job on there own, but they would certainly help towards boosting your income or developing a home based business that could eventually mean being your own boss.

When you think of the word frugal, the first thing that comes to mind is money. Indeed most that practice frugal living do so through adjusting spending habits and becoming deeply aware of their finances. That is not to say that those that live frugally are misers or scrooges, just switched on to spending. But to truly embrace frugality, you need to look beyond your spending habits alone.

Saving money, there is nothing to it right? All you need to do is put a little aside each month into an account and watch it grow. Well, not quite. If you want to do it right you need to know when and where to start. In some situations you could even be costing yourself money by putting it into the wrong savings. So in the pursuit of getting your savings plan right, we’re going to share some of the things you need to avoid doing wrong.

There was a time when debt consolidation related to very limited range of products, most commonly the consolidation loan. There would be adverts everywhere encouraging people to move all their debts under the one umbrella of a consolidation loan and for the most part, this was a positive move, at least in theory, and when used correctly.

So the postman makes his usual rounds, delivers your morning mail and amongst the pile you see an ominous letter from the bank or one of your creditors. We’ve all done it before, where you pick up the mail and think “I can’t deal with this right now”, or “I’ll look at it later”, or “whatever, they’ll get it when they get it, can’t pay with chocolate buttons…what am I supposed to do!?”