Dictionaries define wealth as "Accumulation of assets (especially those that generate income) over a long period of time." Wealth is and can be created and it is only during the last 250 years or so that we found how to do this on a grand scale. Before the first Industrial Revolution, poverty had been mostly accepted as inevitable... Continue Reading →

When a person decides to repay his debt and takes the necessary steps to budget, cut down expenses and live within his means, then comes the question of "Which debt repayment strategy is the best according to the various debt reduction philosophies?" At this point, a plan with a comprehensive list of all your debts... Continue Reading →

Even though incomes have gradually increased over the years, there have been significant increases in the cost of essential services and goods surpassing income growth, as such, encouraging most people to overspend living outside their means. Many individuals have relied on credit cards and other loans to pay for inevitabilities like medical bills, housing costs,... Continue Reading →

    At the beginning of each year, I make a decision and resolve to be more prudent financially that year but for some reason, I falter along the way and soon, this resolution fades away as the year goes by. This year, however, I decided to be more disciplined as I realized the need... Continue Reading →

Hello there, I am Adwoa Baidoo- Williams, currently married to Henry (the love of my life) and we are blessed with three beautiful children Ethan, Arielle, and Elsa. I hold a bachelor of Pharmacy degree and practiced as a licensed Pharmacist for 8 years in Ghana, West Africa. I took a" break " from work... Continue Reading →