Josephine SimmonsI’m Josephine Simmons and I would like to welcome you to my website.

The purpose of this site is to help people mange their personal finances more skillfully. Personally my day job is financial services and I come across a lot of people who have difficulty in managing their finances. Some do really well, but many carry far too much debt than they should even though they are earning good money.

I hope you find this website useful and if you need more information you can contact me directly.