You don't need money to start a business in 2025. Here's your master plan for setting up without heaps of cash. There’s no ...

Spending money ... or a promotion, or start a small business offering freelance services, investing in training could help you take your skills to a new level and earn more money.

“Rather than say, ‘Stop shopping,’ or ‘Stop spending,’ I recommend clients give themselves a ‘fun money’ pre-loaded ... you can start to make more rational financial choices.

They taught me that you don't spend money you don't have ... an idea that helped me start investing at 21 and encouraged me to save almost half my income through my early 20s.

While there are plenty of apps available to help, a simple spreadsheet is a great, cost-free place to start ... your money is going can be powerful and motivate you to make smarter spending ...