Discipline Beats Motivation. Every Time.

Discipline Beats Motivation. I think I came across that saying on one of my friend’s Facebook posts some time last year. I don’t know who the quote originally came from (certainly not me) but it really struck a chord within me.  There is a lot of self-help material organised around this concept of self-motivation and

The Debt-free Diva!

Hey there accounting fans! Today we have a special guest on the blog and her name is Tracy Hemingway AKA the Debt-free Diva!! Tracy is a dear friend of mine (we do Salsa together! – Yes I have a social life outside of accounting) and over the past three years she has successfully paid down