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A couple of decades ago, a friend of mine had a small credit-card balance of a few hundred pounds and was paying just about the minimum payment monthly. He also had a payment-protection insurance which he paid monthly. The trouble was, despite paying the minimum monthly payment and the payment-protection insurance, the balance was not reducing at all. My friend was flummoxed. He did not realise that paying the minimum monthly payment barely covered the extortionate interest rate, and, if not for timely intervention, it would take decades to pay off just a few hundred pounds. When he told me about it, I volunteered to pay off the debt if he would cut up the credit card and become financially literate. He agreed. The first thing I did was cancel the useless payment-protection insurance and then paid off the balance in about three instalments. Since then, my friend has become quite financially astute. He has one or two credit cards now but pays the full balance monthly. Read

 Inspirational and self-development books are a big hype these days. But before you buy, you must know whether reading these books help. Yes, these books help. Self-development books can be a powerful tool in your personal growth arsenal if used properly. These books are more cost-effective than therapy but can offer you equal benefits. Self-development books also allow you to progress at your own pace. This is one of the reasons why people find reading these books more comfortable than going for professional assistance. In addition, learning how to benefit from the inspirational and self-development books like Games inventor Michael Kindred books can help you to avoid all the pitfalls of fake gurus and fads while getting most for your money and time. Benefits of Inspirational and Self-Development Books: 1. These books allow you to more positively interpret yourself and the world: If you read a self-development book regularly, your brain will be flooded with uplifting concepts and po