Smart Money Mindset

Getting Out Of Debt as a New Year’s Resolution

Every year, getting out of debt ranks in one of the Top 10 New Year’s resolutions. In the uncertain, and difficult, economic situation we have experience in the last two years, it will certainly be there again for 2010. Poor spending and saving habits can be tough to break, but their correction is vital if you are [...]

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Lecturing at the London School of Economics today, Interest-Free Overdrafts and Drug Dealing – Eeek!

Sometimes life throws you a surprise… like being given two days notice that you’re booked in to give a lecture to 35 students at the London School of Economics! Which just happened to sell out in 2 mins… no pressure then… So here’s the interesting thing, not that I had the lecture arranged – it was [...]

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Paying Off Debt, What You Need to Know

The sad truth is that nowadays the majority of us are living in debt. Having credit cards, loans, mortgages and hire purchase agreements means that the average family owes a staggering £25,000! If this is you (and you quite probably owe even more money than this, it’s only an average remember), you’re probably wondering [...]

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Reduce the APR on Your Credit Card in 5 Minutes!

Learn how in only a 5 minute phonecall you could save double digit amounts on your credit card interest rate! Credit card companies are keen to keep you as their customer – no matter how they may act. You are worth a lot of money to your card company and have a lot more power than [...]

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A Guaranteed Profit On Your Money? It’s Possible!

If someone offers you a guaranteed profit or return on your money what should you do? Yes, that’s right, RUN!! You see in personal finance there are very few things that offer a guaranteed return, in fact I know of only one. (if you know any more please do tell me!). However that doesn’t stop people [...]

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Why The Equity in Your Home Will NOT Save You

I’ve heard these phrases so many times: “My house is an asset” “I’m not worried about my mortgage – I have lots of equity in my property” “I can always sell if I get into trouble” And I used to think the same way. That it was ok if I had a large mortgage, so long as I had [...]

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