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Financial Freedom

Break Free From The 9 To 5 Grind

If you have full time employment, do you wake up full of enthusiasm for the next day – with an eagerness to get to your place of work? If you do, that’s fantastic, as you probably have found your true vocation. Sadly, for many of us, this simply isn’t the case. Work is a means to an end and the end is money that we can spend on a lifestyle that makes up for our lack of fulfilment at work.

When you consider your circle of friends and acquaintances, many may seem to have a very high quality of life. They earn a lot and spend a lot, which is all very well if the work they’re in is enjoyable. If not, it’s a fairly shallow existence to work all the hours possible so that they can spend it up at the weekend. Many people actually end up spending a lot at the weekend to get some satisfaction out of life that they’re not finding through their work. This means that the tie of work for the income becomes ever greater.

It’s not surprising then, that so many people are now in debt. Even those with great salaries tend to spend more than they can afford and then become slaves to their wages. If the income dropped, so would their standard and style of living.

If you find you’re working to simply to pay off debts, then maybe it’s time to reevaluate the way you spend. There is plenty of debt advice UK consumers can access online, and it can help to devise a debt management strategy to work your way clear of debt.

To get free from a nine to five existence you no longer enjoy, the first thing you need to do is clear the debt from your life. You can do this by using debt management plans, but also by reviewing how you spend your income. Do you really need to spend as much as you do on groceries, trips at the weekends, holidays?

Once you have got yourself into a position where you are living within your means, you can then decide if you want to stay on the treadmill of the job you have or look for a route to a more fulfilling occupation.

Financial Freedom

What Is The Financial Freedom Revolution?

Imagine that you are on the beach, the waves are crashing on the sand, the sun is shining, and you have a drink in your hand. Guess what day it is? It’s Wednesday!

How is this possible? You’re not on vacation. This is your life because you have Financial Freedom finally. You’ve reached your dream life.

If you don’t like the beach, then imagine wherever you want to be in life. The point is, you’re doing what you want, when you want.

How is this possible? Because all you decided enough was enough and you threw out your excuses and made a plan.

You decided to jump into life and not look back.

That’s what the Financial Freedom Revolution is all about.

It’s when you took life by the horns and said I want more.

Anything is possible in life you just have to do it!!

Stop trying to figure out how you’re going to pay your bills each week and start taking steps to create the life you want.

Every time I write from now on , it’s going to be with purpose. I’m no longer just going to give you the regular personal-finance advice, I’m going to give you passion and action.

I want you to move like you’ve never moved before and make a change that you only dreamed about. It’s time to make that dream a reality. There is no “one day”, there is only today.

I want to quit my 9-5 and I want you to quit yours. We’re not going to be idiots and quit without a plan. I’m going to write my plan out, you write yours, and we will go through this revolution together.

So become a Financial Freedom Guerrilla and keep coming back to see how the revolution is shaping up and what you can do to win the fight.

If you want more in life and need help with this revolution than feel free to hire me as your direct guide.

Life isn’t going to wait for you, so don’t wait for it. Make a move now and join the revolution.

I want to make your dreams come true, so let me help you. Stay up to date with all of the action by subscribing by email or RSS.

Viva la Revolution!

Spread the Financial Freedom Revolution by tweeting this post and Facebook Sharing it.

What are your dreams?

What would you like to learn in the Revolution?

Financial Freedom

Have A Fall Back Plan Before You Leap

fallbackplanLiving Your Passion isn’t the easiest thing in the world but it is possible, especially since a college drop out like me is doing it. So I know you can.

But before you throw caution to the wind and quit your day job, be sure to have a little pillow to live on.

By little pillow, I mean some savings or, God forbid , a back up job.

I know I’ve said that a “Real Job” is no place to live your life, but either is out on the street.

So there’s nothing wrong with having a back up plan, especially if it will help you decide to start Doing What You Want.

So make sure that you are stashing away what you can. The more you stash, the faster you can Live Your Passion.

But don’t get hung up on the amount that you should have because that will just hold you back and keep you from taking the leap.

Think of a number right now that you would be comfortable with in savings as a fall back. Don’t ever change that number unless you add a new member to your family.

If you change it, then you’re just scared.

Don’t be!

You made that first number because that’s your comfort number. The closer you get to it the more you might get scared and start doubting yourself.


The time is here and now. You’ve made it this far to save up enough to take the leap.

Take it!

And don’t ever look back.

You’re free and time is now on your side.

So start stashing money into your freedom fund and don’t stop until it’s time to jump.

Be proud of your self.

While you’re saving, start Living Your Passion on the side to make sure you found one of your passions.

Having a fall back plan will make you more confident that you can take the leap and won’t have to worry about having to go back to The Man.

Help others prepare to take the leap but Tweeting and Facebook sharing this post!


Financial Freedom

A Guide to Making Money with no Real Effort Involved

We all want a bit more money in our lives, but most of us feel like we don’t have the spare time available to make it. Luckily, I have some money making ideas that involve no effort to share with you.

More Money

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Be a Mystery Shopper

For market research purposes, businesses pay a lot of people to visit shops and buy products. This allows businesses to find out what their competitors are up to, what their customer service skills are like and where their weaknesses lie. This process is called mystery shopping, and you can become a mystery shopper.

This is great because you’re being paid to buy products and any money you spend will also be covered by the company that hired you. All you have to do is sign up online, and a business will be in contact with you to discuss the possibility of you becoming a mystery shopper for them.


You’ve probably seen cars driving down the street with a big advertisement down the side. You might have thought that they look pretty stupid. But, as stupid as it might appear to you, that person will be getting paid a lot of money from a company to have that advert on the side of their car.

So, they’re getting money for doing absolutely nothing. This is something you should be doing too. Who cares how your car looks from the outside if it’s bringing you in a heap of extra cash each month! You’ll be surprised at the amount of money businesses will pay for this kind of advertising.

Invest Wisely

If you invest in the places, you can usually just sit back and watch the money roll in. You do have to know where to invest and make changes here and there though. But, considering the amount of money you could potentially bring in, the effort involved is actually relatively small by comparison.

If you want to make money, you should invest in businesses that are on the rise. Yelp stocks or stocks in digital businesses are very popular at the moment as they’re seen as being on the up. Wherever you invest, you should find out as much about the business as you can beforehand.

Start a Blog

If you have a hobby or something you love, you should start to write about it in your spare time. You might even be able to make some money out of it. And if you love the subject about which you’re writing, it won’t feel like you’re even putting in any effort either. Blogging should be a pleasure and something you enjoy.

Once the blog is up and running, you can start to build up a consistent readership and prove to potential advertisers that you have something to offer to them. The more people that read your blog, the more money you’ll be able to demand in the way of advertising money.

These ideas will all allow you to make some extra money without having to put in much effort at all. What’s not to like about that?

Financial Freedom

Top online financial tools

Keeping a hand on all your accounts and tracking your money moves can be a daunting task. Personal finance tools can make the job easier. Here are some of the best personal finance tools for managing your finances.

Personal finance tools should be easy to use and feature-rich, helping you to manage multiple accounts, stick to your budget, and giving you a clear picture of your financial health.


MoneySmart is a free online South African personal finance management platform that helps South Africans to manage their finances to achieve financial success by providing individuals with services, tools, education and products to increase their financial acumen. The platform encourages its users to ‘budget what you earn, save for the goals that you want, aspire to achieve, visualise your future, and invest in yourself’.

MoneySmart ‘reads’ a user’s transactions and categorises them automatically, providing an instant overview of current spending. The platform includes an online community and end-users have access to content from columnists dealing with trends, popular culture and financial empowerment.

Loan repayment calculators

Online loan repayment calculators are a great way to work out how much you can afford to pay off on your personal loans. This tool is particularly helpful when deciding the amount you can best afford to borrow. Cash loans provider discloses all their fees upfront on their slider calculator on the wonga website when you apply for a loan.


South African 6cents provides a quick and easy platform to manage personal finances. If you are looking for a user-friendly online financial tool, 6cents offers a number of features in one place.


Old Mutual’s 22seven allows you to see all your accounts and transactions in one place. You can link cheque and savings accounts, credit and store cards, investments, loans and rewards. Your transactions are automatically categorised to show you exactly how much you spend and on what. An automatically generated budget helps you spend less on what isn’t important and find more for what is.


MoneyDance is available for OS X, Windows, and Linux. It is a robust personal finance tool that supports online banking (so you can download transactions from your bank and manage your investments in the application). It can connect to hundreds of financial institutions out of the box, and you can import transactions on your own if you choose. The account register works like a balanced chequebook, and shows you where your money is going. You can also set up payment schedules for recurring transactions so you know when big transactions are about to take place, and track your investments using the investment module.

A free mobile app for iOS devices is available and the Handybank app for Android, for $7, will also connect to MoneyDance. The app is available to try for free, but after entering 100 transactions, you’ll need to pay $50 for a full license. The app is able to handle multiple types of financial transactions with ease and syncs seamlessly with banks even though it works as a desktop app, reminding you to pay bills when they’re due every month.


This is a free budgeting and personal finance tool that focuses on creating a budget that works for you. The tool analyses your finances and spits out a budget planner that’s packed with suggestions for where you can save money, trim your spending and increase your savings. It aims to make the process as easy as possible, and promises that an hour with the tool will give you a better understanding of where your money is going. You can enter your expenses manually if you want, or connect it with your bank to auto-link accounts. BudgetSimple is a webapp and completely free, but if you want mobile apps or the option to fully link your bank accounts, you’ll need a $5 per month premium account.

BudgetSimple is praised for its simplicity and its focus on creating a no-nonsense, sustainable, and sensible budget that you can live by. It’s a straightforward tool, and it does a lot of things that many other software options charge for – and the graphs and statistics do a great job of explaining where your money is going.


BudgetPulse is free online personal finance software that’s easy to use without sacrificing meaningful budget tools and financial reports. This app is also great for anyone who doesn’t want to enter financial account numbers and passwords to download transactions automatically. You can download transactions yourself from your bank and import them or enter via your keyboard. Savings goals can be made public for fundraising or giving family and friends a chance to chip in toward reaching goals.

Google Chrome Money Management Apps and Extensions

The Chrome Web Store has free and paid money management apps and extensions, which make handling financial tasks from within Chrome very convenient (We suggest checking them out here.)