After working as a volunteers at the Citizen’s Advice Bureau helping people with issues concerning personal finance, loans and budgeting, Derek O’Connor, Ryan Daniels and Susanne Paavola created this website in an effort to address many of the recurring problems many of their clients face with regard to managing their daily finances.

While not intending to be an authoritive source for all matters financial, the aim of the site is to provide the reader with the basic concepts they need to more effectively manage their income, and to have a better understanding of how to budget and take care of their money.

While the information on this site is intended to educate, in all circumstances you should seek professional advice before entering into any financial agreements.