The Difference Between Banks and Credit Unions Here are some pointers for where to start to build some resilience into your personal finances: 1. Draw up a written record of your income and all your outgoings. 2. Keep this up to date on a month by month basis. 3. If you have a bank account, reconcile your [...]

This site seeks to explore the heart and soul of downshifting to a more sustainable, ethical and holistic way of living and working, in keeping with the needs of the planet, humanity as a whole and ourselves as individuals. 

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