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.

We can't know what is worth doing if we don't know where we are going.

• Before touching any clutter, visualise what it would mean to have a clutter-free to-do list. Maybe you want to have a successful business, or get in shape.
• Then i...