If you want to excel in what you do - you must get the basics right. This goes for anything you do in life. Money is no exception!

You’ll never become a world class chess master if you don’t know how the pieces move. You’ll never be the best gardener in the world if you can’t tell a rake from a spade. Never mind being in control of your finances if you don’t know the difference between credit and debt.

I don’t mean to be patronizing. In fact - I’m probably speaking to myself as much as (if not more than) I’m speaking to you.

The shocking truth is that most people, when stopped on the street, probably wouldn’t be able to tell the difference between credit and debt. If you can’t tell the difference between credit and debt - how are you going to balance them?

So who is to blame for this? Is it the individuals who was tempted to, and did, spend more than they were earning? Is it the lenders, for making acces to credit cards and loans too easy? Is it the school system, for failing to provide financial education? The truth is - it’s a combination of them all.

But here’s the good news: It’s never too late to start learning! You can take control of your finances, set up a budget, and start a journey towards financial freedom.

I have made a decision to start that journey - which is why I have set up this blog - in the hope that more people will join me, and start chasing their dreams.

Do you want to come?

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