Today, I wanted to write a short post just to share with you my thoughts about debt: avoid it like the plague. Apart from a reasonable mortgage, there is no reason to have personal debt. A key financial hack that everyone regardless of how they feel is the best way to save income is to spend significantly less than you earn.  Buy good quality (not necessarily expensive) goods that will last. Take care of your possessions. Buy only what you need and sell or donate the rest. You will do your house and your pocket a favour,