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How to cope with low interest rates on savings

1. The problem: Did someone in the government recently get fired for saying that we’ve never had it so good? While a lot of us would argue that we’ve never had it so bad, there are also those who would agree with the more positive opinion. I’m not going to get into that argument myself, lest […]

How a few small tweaks can make a big difference

In 2006, a lady came to see me with a common problem. She had a pretty good job and a regular income, and had been in that position for as long as she could remember. However, she had nothing to show for it apart from a few credit card debts, a personal loan and a […]