There is so much waste in this world.

Mahatma Ghandi once said: “We have more than enough for our needs, but not enough for our greed.”

Ultimately, this is the real reason that there is so much famine, poverty and debt in the world.  So many of us spend so much money accumulating things we want, forgetting that there are people who have little to nothing.

We build up debt in order to own things which we later throw away when the newer, shinier version comes out…

Now, I realise that there is no way that I could possibly change this culture from the pages of a blog post, but I would like to bring your attention to a way of saving money and minimising waste.

Freecycle is an amazing concept where people give away items they no longer need or use, that would otherwise be put in the garbage or simply left to rot in an attic or loft.

This means that not only is less damage being done to the environment, but those involved are allowing others to save money.

To find out about your local freecycle, just go to and sign up.

This is a great way of making your money go further, particularly as you can request things.

So, whether you need a new bedside lamp, or a new bicycle, or you fancy learning to play guitar, take a look at freecycle, and maybe you might just find what you need with a 100% discount!



The emotion of money.


As my friends and family know, I’m a bit of a serial dieter.  My weight has been an issue ever since I hit my late teens.  It tends to fluctuate up and down.

The only positive that can be gained from that is that I have learnt a lot about different diets and nutrition.

But what does this have to do with finances?

Well, most diets will teach that you have to remove the emotional element from eating. Eating is not there to support any kind of emotional need.  It is purely fuel and therefore, once that is ingrained in your thinking, dieting (allegedly!) becomes easier.

Money is exactly the same. Lots of people have an emotional attachment to money, viewing it as either positive or negative.

Ultimately money is simply an object that you need to choose how to use. It is neither good nor evil.  Many people get too hung up on the emotions associated with spending or saving money, which ultimately leads to failed budgets, overspending or miserly, tight-fisted behaviour.

It is important to get over this attachment and the simplest way to do this is to budget and learn to rely on your own forward planning and control rather than on the emotions that come from your personal attachment to money.

If you own my book, The 21 Day Debt Revolution, I describe the simplest system of budgeting in Day 20. If you would like to change your financial position, I would recommend that you complete the budget on day 5 and then have a quick read of Day 20 and use the Envelope system from the get go.

This will make you think about your spending much more.

Just remember, it’s you who controls your money not the other way around.

J A Scott

Flash Sale


Hey everyone, my book is being featured in a flash sale at Buck Books today for just 99 cents! If you’ve been wanting to pick up my book, now’s the time. 

The sale lasts just until the end of the day. 

For those who’ve read my book and love it, now’s the perfect time to share it with others while it’s just 99 cents. 

Go check my book out at now! And subscribe while you’re there for awesome book deals like this every day.