Financial Freedom


Why Maxing Out Your TDS is a Terrible Idea

Picture this: You're shopping for a car, and you've test driven a few modest models. Maybe you're leaning towards buying used (not a bad idea). Then the sales guy asks if you want to test drive the fully-loaded brand...

Summer Savings, save money

25 Simple Ways to Save Money This Summer

After the long, cold winter, summer temperatures are finally here to stay. Though it’s the season of unlimited sunshine, it’s not the season of unlimited spending. With the warmer weather giving way to graduation parties, weddings, and over-priced theme...

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About Me

Sandra Parsons

Freelance Writer & Blogger

Welcome! I'm Sandra Parsons, personal finance writer and owner of A Theory of Change. I believe small behavioural changes are the key to making big life changes - including financial ones.

My goal is to help you develop behaviours that will help you take control of your finances.

It's a beautiful day to change your life <3