Every Penny Loved

 You might of heard the old adage 'money doesn't grow on trees' and it certainly doesn't (money is actually made out of cotton and linen) but money definitely does grow on the stock market. Now before your heart rate goes up and you click away, hear me out. We have all heard of that person who lost it all on the stock market and went from being a millionaire driving a Ferrari and owning yachts to shaking a cup for change but I can guarantee you that is a rarity and that person was certainly trading in a high risk product. We don't want to be shaking cups so lets be smart and play it safe.  All the stock markets of the world have shown growth averaged out over their lifespan. Yes, the 2008 financial crisis definitely created a dip and the Great Recession most certainly caused a significant dip but the markets always recover. The stock market is entirely controlled by the fundamental law of economics, supply and demand. When there is lots of people selling, the price ...

 Being a student is a financial nightmare. Whether you have credit card debt, maintenance loans, working part time or living off of family support the chances are you are broke. In this article I will break down a few of the ways that you can save money as a student and start paying off debts are saving for a deposit.  Tip #1: Paying yourself before your bills. The idea of paying yourself before bills is often touted as the best way to save money as it instantly shrinks your budget and prevents over spending. But what is paying yourself I hear you ask? Paying yourself means automatically taking a % of your money, whenever you receive it and sending it to a savings account. For most students, 10% is the most comfortable amount to automatically redirect to your savings but if you can afford more then more is better. If you cant afford 10% then try 5%, the effects of compound interest over the course of your degree will grow even that 5% to a nice chunk of change. Tip #2: Form a ...