There are more people in the world than ever before, but the amount of space we have to live in has not increased. More and more people are therefore having to compromise on their living arrangements by learning to live in smaller properties and making the best use of the space they have.

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.

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.

Considering the high cost of college these days, I’m not a die-hard proponent of “all kids need to go to college.” Twenty years ago, a college degree made a difference in income levels, but today I’d beg to differ. I also don’t tout the importance of college compared to the cost of tuition.

Pulling close to 12-hour days and going to school part-time (will I ever be finished? Next June – whoo, hoo.), my schedule just hasn’t allowed me to think clearly and publish witty, though-provoking posts – or even boring ones, for that matter.