This blog documents my own approach to personal finance. This approach was put together without any professional financial advice nor with any real financial expertise, apart from what I have learnt from the internet, books and other online blogs.

I therefore advise that if you choose to act upon the information posted on this blog without consulting a financial advisor, then you do so at your own risk. I will not and cannot be held liable for any actions you take as a result of anything you read on this blog.

I shall not be held responsible or liable should anyone choose to ignore the above recommendation. This blog may contain third-party advertisements and also affiliate links. Clicking on such links is optional but the small income generated goes towards supporting this website.