If you have debts with a high-interest rate, a balance transfer might be a good option and even offer perks such as 0% APR and rewards programs. Ensure you consider the balance transfer fees, and pay down the entire transferred balance during the introductory period if possible.

I...

Nothing will slow you down more in your quest to figure out what to do with your life than being afraid of failure. 

You won’t ever be able to nail down what makes you happy if you rule everything out because it sounds hard.

1. Make sending and replying to emails a game, by setting time limits or adding humour in the content.
2. Make your finances a game where we keep our debt as little as we can, or keep our investments as large as possible. One can get excited about rising...