Introduction Like prior years, 2019 has been an eventful year. Some people prospered more financially and spiritually while others experienced so many challenges and losses either through health issues or

Introduction Like prior years, 2019 has been an eventful year. Some people prospered more financially and spiritually while others experienced so many challenges and losses either through health issues or
Introduction I know many of us sometimes wonder whether or not to borrow money. Some of you on the other hand borrow money quite frequently and as a result are
Introduction Some of you may be getting Christmas bonuses, some of you may be getting an increase in salary and some of you may not be getting any additional compensation
Introduction One of the major issues in relation to personal finances, is the lack of control and self-discipline. If we do not control our spending habits, it can lead to