Income protection insurance can help to protect your income if you become sick or injured and can no longer work. It can offer a ‘substitute’ paycheck when you are no longer receiving your regular paycheck, helping you carry on paying the bills while you recover.

Four walls, four sides, four corners – most homes take on the shape of a rectangle. I don’t know if rectangular homes rule because they’re just easier to build compared to other shapes, like a triangle or hexagon, or if that’s what the first settlers used in colonial America and we’ve adhered to that standard.

For the past few years, I’ve been working hard at securing a steady income (along with the education required) and building a strong client base for our business. It’s been long and grueling at times, but it’s finally paid off!

It’s not rocket science knowing that the key to being debt free is to spend less than you earn. But talking about it is much easier than doing it, which is why so many Americans are strapped with debt.

So how can one successfully pay off debt? With a lot of sweat and tears, apparently.

When we got married at the start of the new millenium, we didn’t have a lot of money. We did get a little bit of help from both sides of our family, but most of the expenses were up to us.