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I was speaking to a friend and I mentioned that in order to build wealth you need to have a plan. I mentioned using the Dave Ramsey baby step system and she asked me to explain them in simple terms

Learning how to simplify your life as a work- at- home- mum can have a massive impact on your day to day activities and even the amount of happiness and joy you experience. Talking from personal experience, when my life/house is a mess, I actually experience anxiety and mini panic attacks

Living on paycheck to paycheck can be a struggle and it has the ability to put a heavy burden on anyone’s financial situation. A frugal person will research the market and switch their gas provider to save £500 a year. A frugal person will give save up their club-card points, convert it into a restaurant voucher and enjoy a lovely meal out with family for free. 6 online businesses you can start for the price of lunch How to make over £1000 as a job spotter How to make £100 from home quickly Ask for help

Being able to identify your net worth is a good starting point to taking control over your finances and measuring your current financial situation. Any thing you owe Being able to calculate your net worth gives you a clear insight into how much you have accumulated but also how much you owe. In all, I encourage you to use this opportunity to improve your situation and invest in moving into a better financial position. Any other assets – this can include anything that holds any value – jewelry, electronics Add it all up and this will be your TOTAL ASSETS Add up everything you owe.