Welcome To Money Smart Guides!

Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

Organize Your Bills Once And For All

organize your billsWhat is the number one reason most people fail to pay their bills on time? It’s not keeping their bills organized. When you can’t find your bills, you will likely forget to pay them until you are reminded. There are penalties for late payment, and they include late payment fees and a reduced credit rating. So here are 5 tips for organizing your bills.

How To Organize Your Bills

Create a Central Depository For Unpaid Bills

Do not leave your bills lying on your bed, dining room table, TV, bookshelf, or dresser. They may get mixed up with other papers, torn into little pieces by your children, blown away by the wind, or accidentally thrown into the garbage. Create a central depository where all the bills will go to as soon as they arrive. It could be a file folder, paper tray or wall pocket. Arrange the bills in chronological order of due date so that you will know which bill to pay first.

Separate The Paid Bills Immediately

Mixing paid bills with unpaid bills creates confusion. As the stack of bills grows bigger, you may find it more and more difficult to find the one you are looking for. Separate the paid bills from the unpaid bills immediately after making the payment. Keep the paid bills in a separate folder or envelopes. Since you will accumulate hundreds of paid bills over time, place each bill in its own category so that it will be easy to find when you need to see it. For example, place all the electricity bills in a folder or envelope with ‘Electricity Bills’ written on it. [Read the full article]

Automating Your Savings Just Got Easier Than Ever

automated savings with digit

A few months ago, I posted on the simplest way ever to become rich. While I think you should really read that post, I’ll give you a CliffsNotes version. (Side note: do they even make CliffsNotes any more? Do kids still use them?) Anyways, the way you become rich is to automate your savings. Since … [Read the full article]

3 Ways to Help Your Business Thrive Overseas


Have you ever woken up in a cold sweat after realising your business is a small fish in a vast ocean?For years, you’ve been happy flogging your wares to local customers that you know by name, but there comes a time for broadening horizons in every ambitious entrepreneurs life.Whilst you may … [Read the full article]

How To Find The Perfect Premises For Your Start Up


Taking a leap into the unknown and starting your own business can be terrifying.After you’ve given up the security of a regular wage and the thrill of telling your boss what you really think, the sudden awareness that you’re on your own hits home like a David Beckham free kick.From now on, … [Read the full article]