I am not a financial adviser, so seek professional advice before taking out any financial products or making life decisions.

This blog shares information on investing and saving but does not provide personal advice. Please seek professional advice from a financial advisor if you are unsure which investments are right for you. Investments can go up as well as down in value, and you may lose your money.

value4money.org is my personal blog, and I talk about money from my own perspective. 

This blog is my own journey of how I have made extra money, managed to save money, and the way’s I’ve found that have enabled me to pay off debts I owed. 

This DOES NOT mean that anything I write about will work for you. It DOES NOT mean that I think you should do the things that I have done. My blog posts should NOT be treated as financial advice.

I cannot be held responsible for any consequences you have after action you?ve taken after reading my blog. 

Please take financial advice from a QUALIFIED financial professional before acting on any suggestions given in this blog.