Because life is uncertain and the events that unfold in our lives many times require that we be financially stable to find an immediate solution, you should set aside money all year long into a savings account.  This will provide you with confidence and peace of mind in an otherwise stressful and demanding situation.  You’ll enjoy just knowing that you have a plan in place to cover unexpected car repairs or bigger utility bills than you expected.  Let’s look at five ways to save money year Read more [...]

When the nights get longer and the mornings darker it can be a real struggle to pull yourself out of bed. Add to the darkness the plummeting temperatures outside, it's any wonder so many of us feel compelled to just turn over in bed and hide under the duvet and enter into hibernation mode.   Image Source: NHS A certain amount of lethargy is quite normal during the winter purely because it's dark for longer. Yes, lack of sunlight has a physical effect as it triggers the production of melatonin which Read more [...]