Want To Retire in Five Years? What You Must Know

Financial independence, financial freedom, retirement - all represent the same basic principle - you no longer HAVE to work for the money. Take a read of this article about how to achieve that in 5 years


https://www.investopedia.com/articles/retirement/07/5yearstoretirement.asp?utm_source=personalized&utm_campaign=bouncex&utm_term=15729404&utm_medium=email

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Simple Steps to Financial Freedom

If financial freedom is your goal, then take a look at these steps

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What I Learned From Tracking My Spending for a Month

Tracking your monthly spending is something lots of talk about, and threaten to do - but how many actually undertake the process. It feels like a pain, and it can also be a serious shock to the system - having done the process ourselves, it brought up some interesting numbers. Understanding what is going out is a critical step in the process of managing the financial freedom plan. This a great article from the New York Times.

https://www.nytimes.com/2018/11/28/smarter-living/budget-money-lessons.html?rref=collection%2Ftimestopic%2FHousehold%20Budgeting

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How to Use a Side Hustle to Create an Asset, NOT a Job - Financially Alert

An area we have taken much time to consider is how to increase income. It seems an obvious area to look at, but not always an easy one to implement. Here's an article that looks at how to create additional income "on the side"


How to Use a Side Hustle to Create an Asset, NOT a Job - Financially Alert

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Balancing the Family Budget

Balancing the books is something associated with running a business, however it is equally as important for families - and coupled with managing debt, balancing the books is a high priority.

https://www.familylife.com/articles/topics/marriage/marriage-challenges/finances/balancing-the-family-budget/

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How to get out of debt fast super fast!

A different perspective on getting out of debt

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Pros And Cons Of Property Investment In The UK

Last article on the property investment road


https://www.propertyroad.co.uk/pros-and-cons-of-property-investment-in-the-uk/

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Dave Ramsey - How to Get out of Debt and Be Financially Successful

One more article from Dave Ramsey on a road out of debt and to financial success

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Should you invest in a buy-to-let property?

Continuing on the theme of property investment, and using it to fund financial independence and freedom, here's a great article from Money.co.uk

Should you invest in a buy-to-let property?

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Dave Ramsey: How to Get Out of Debt

Continuing the theme of managing debt, here is Dave Ramsey's view on the subject of getting out of debt

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Should You Invest in a Buy to Let Property

Property has historically been a go to investment to create growth and passive income. changes in the UK tax landscape have created a lot of questions in people's minds on the subject. This article explores the topic in some detail


https://www.money.co.uk/guides/should-you-invest-in-a-buy-to-let-property.htm

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Martin Lewis on Debt Problems: Where to start and what to do

For many, debt - and getting out of it, can be the initial driver to seeking financial independence,here is Martin Lewis's view on dealing with debt problems

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The Truth about Passive Income Online and How to Earn It - Financially Alert

Creating passive income is an area that people seeking financial freedom all seek, but it is worth considering how this can be done. This article considers the on-line route



The Truth about Passive Income Online and How to Earn It - Financially Alert

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How To Retire Early | Financial Independence

Continuing the theme of reaching Financial Independence and Freedom, here's another view on the subject

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This article contains a chart showing the time it will take to achieve financial freedom depending on how much you earn and how much you spend - based on US information for tax - it still makes interesting reading


https://www.marketwatch.com/story/the-path-to-financial-independence-and-retiring-early-in-one-simple-chart-2018-12-10

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How "super savers" can reach financial independence and retire early

Financial freedom can be achieved through a number of different routes - here's a way through "super saving"

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This is a question that some will believe they know the answer to based on the negative press given to buy-to-let property ownership, however this article published in the Telegraph gives some good information that is worth considering


https://www.telegraph.co.uk/property/landlord-guide/property-pensions/

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How To Never Run Out Of Money In Retirement: The New Verdict On The 4% Rule

A key concern for many people is running out of money in retirement - take a look and see how this planning works to ensure that doesn't happen

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Are you facing a mortgage 'time bomb' in retirement?

Continuing our look at the subject of mortgages and retirement from a couple of days ago, here's another viewpoint, and a serious question

https://citywire.co.uk/funds-insider/news/are-you-facing-a-mortgage-time-bomb-in-retirement/a630897

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How to retire with $80,000 a year income with $28 a week contributions.

Some thoughts on how to retire (for that read be financially independent) using $28/week 

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Should You Carry a Mortgage into Retirement?

This has traditionally been a subject with no discussion - the answer always used to "NO". This article questions that standard answer - well worth a read

http://online.wsj.com/ad/article/privatewealthretirement-mortgage

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Why so many Americans in the middle class have no savings

Whilst this video is US based, the basics are true across many countries

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Spending Plan - a definition

Having raised the issue of spending plans, this article actually gives the subject some definition

https://www.investopedia.com/terms/p/personal-spending-plan.asp

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15 Minutes to Budgeting Your Money

Here's a quick 15 minute version of budgeting your money

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How to Stay on Top of Your Finances

Continuing with the theme of creating a spending plan, this article looks at how to use the spending plan to stay in control

https://www.thebalance.com/how-to-develop-a-monthly-spending-plan-1389005

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Budget Your Money To Financial Success - Budgeting 101 | Minority Mindse...

Continuing our theme of budgets, another angle is to consider how to budget to success

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Create a Personal Spending Plan

If the word budget doesn't work for you, consider working it as a plan.

The link below gives some advice, based on business principles


http://effectiveu.umn.edu/manage-your-money/create-personal-spending-plan

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Do A Budget! : Martin Lewis

A key element of creating financial freedom is understanding where the money goes, here is Martin Lewis's take on the process of creating a budget

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Early retirement, financial independence, financial freedom - all revolve around the same thing - how much do you need to live how you want, and how can you create that financial status outside of some form of "day job"

The article link below looks at some simple maths depending on income and age



https://www.marketwatch.com/story/the-path-to-financial-independence-and-retiring-early-in-one-simple-chart-2018-12-10

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How to Reach Financial Independence Retire Early. How to Retire in 5 Years

If financial independence is a key target, and today is always a day for targets to be set, then here's a viewpoint on how to achieve that goal in 5 years.

Enjoy and look forward to achieving goals for 2019

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