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Category: Personal Finance

link to Debt Free Affirmations – For Each Day of the Month

Debt Free Affirmations – For Each Day of the Month

Debt free affirmations can be of real help to some as they strive to achieve the important goal of becoming debt free in their financial journey.

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link to Debt Free Stories – Are They Really?

Debt Free Stories – Are They Really?

I do enjoy hearing peoples' debt-free stories. But sometimes I'm somewhat irritated by claims of being debt-free when in fact they are not. Do they know what the term means?

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link to Ways to Control Spending – Three Suggestions

Ways to Control Spending – Three Suggestions

Like a lot of problems in personal finance the ways to control spending are almost unlimited; the reason being all of our circumstances are unique. Our personalities are different, our families are...

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link to Financial Literacy and a Family Quiz Night

Financial Literacy and a Family Quiz Night

As I have begun to get back to this website and try to make a success of it once again, I have been mindful of personal finances; in particular in the wider community. As I listen to people talk...

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link to Debt Avalanche v Debt Snowball – Which One?

Debt Avalanche v Debt Snowball – Which One?

In our article setting out the Dave Ramsey's baby steps we mentioned in baby step 2 the use of the debt snowball approach to paying off non-home loan debt (often called a mortgage loan). This is the...

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link to Control Your Spending – Step Towards Freedom

Control Your Spending – Step Towards Freedom

To take a break from writing our Accounting 101 series, we thought we would look back on our site and see how things have changed over the last seven or eight years. In particular, we wanted to look...

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About Us

Andrew Carter is a Chartered Accountant, writer, editor, owner and general dogsbody of the website Financial Memos. Andrew brings over 20 years of experience in financial reporting, accounting policy, corporate governance, auditing and fiscal policy.

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