Further Reading

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We believe you should be your own financial advisor. The principles of becoming wealthy aren't that difficult to understand. If you know them you can manage your own money and avoid being taken advantage of by unscrupulous people. You can start by educating yourself about money, finance and everything money, by spendng at least 15 minutes daily on that. There is no silver bullet when it comes to creating true financial independence. It will take twice as long as you expect and the road will be filled with challenges - most of them in our own minds.


Your current financial situation

The key to understanding your financial situation is to know what you have coming in, and what you spend each month. The best way to do this is by creating a simple budget that records your income and compares it to what you spend, your outgoings.


Building a budget

Building a budget can seem like a big job, but in reality it's not as hard as it looks, and can be very simple. It can work for anyone - your budget is built completely around your individual situation and is designed to show you where you currently stand, not put restrictions on how you live. Follow our easy step-by-step guide to building a budget that works for you and your financial situation, and you'll soon be back on track for a better tomorrow.

For more tips on building a budget take a look at our "Building a budget" write-up below...



Understanding financial terms

Understanding financial jargon and lingo can be hard — what does APR stand for? How is it worked out and what does that mean for me? What is net income? What are arrears? Here at Sikamaster we like to keep things as simple as we can, so we created a simple financial glossary that lists all the terms you need to understand, and what they mean, to become a master of your money.



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Sikamaster, is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart and responsible direct lender for the working class and modern and/or scalable small, medium & large businesses, including startups.

SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital.

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Not all our loans require a collateral - But if your loan requires one, any property used as security (which may include your home or pensions and/or business assets, or personal guarantees) may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. Our Repayment Assistance Programme is available to qualified borrowers only.
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