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When investing or borrowing, the promise of crazy returns or interest rates significantly lower than the competition is most likely a lie.

Instead of trusting your money to others, gain financial independence and control by educating yourself on personal finance.

Investing, although riskier than cash, can create wealth over the long term with a strategic investment plan.

Move your long term debt into your mortgage as the interest rate is often significantly lower.

We don’t want to hear it but spending less consistently over time is key to growing wealth.

This strategy is a simple and effective method to retire with 1 million dollars on an average wage. The key is consistency.

Work smarter, not harder by pre-planning, organising, and dividing your daily tasks into an effective time management strategy.

We often have more bank accounts than we need, complicating our finances, reducing synergies, and increasing our fees.

Reminders are a great way to ensure you do not miss expiring contracts such as insurance, utility bills, subscriptions, and registrations.

Whether an owner or renter, subletting you could significantly reduce your monthly rental or mortgage payments.