If you are moving towards being in credit rather than debt, would you turn down the chance at obtaining free money? Often we do this by not taking opportunities that are offered to us in more practical ways, such as not picking up a coin on the street.

“You don’t need a job to survive the recession?…Yeah, right!” some may serve up as a retort – along with a generous side portion of sarcasm. Others may envisage that I’m about to expunge the joys of financial prudence like a nan. “You don’t need a job to survive the recession”. Honestly I really mean [...]