| Real Life Strategies for Building Wealth

Grow Income. Eliminate Debt.

Build Wealth. Love Your Life.

I’m Maria, a Business School professor and the founder of this site. I created The Money Principle to give you the knowledge and tools necessary to leave your money trouble behind and build your wealth.

Learn More
Maria Nedeva Blogging

Grow Income. Eliminate Debt.

Build Wealth. Love Your Life.

I’m Maria, a Business School professor and the founder of this site. I created The Money Principle to give you the knowledge and tools necessary to leave your money trouble behind and build your wealth.

Learn More

Four Pillars of the Game of Wealth

Since you are reading this, it is safe to assume you wish to win the Game of Wealth. This game has four pillars:

Make money

Would you like to increase your income? Follow these easy to implement ideas and watch your income grow.

Control spending

How much money you keep matters more than how much you make: our tried and tested money management approach.

Get out of debt

Do you have the debt-busting lust? Here is the secret to paying off debt fast and staying debt free forever.

Invest for the future

Savvy, non-traditional investing is the key to your future financial security and to having income in old age.

Most Popular On The Money Principle

You May be Killing Your Opportunity to Increase Your Income

“This blog post is completely useless. It either tells you to get a job to start a business.” This is the comment someone left on one of my posts about making more money. I beg your pardon? You want to make money but don’t want to work for it? And this is a sure fire...

150 Wonderful Ways to Make Money and Why You Should Try Some of Them

Do you know what you are looking at? No, this is not a trick question. Still, if you though ‘machines’ you’d be wrong. What you are looking at is the future of employment. I took this picture couple of months ago at Schiphol Airport, Amsterdam. Do you remember the...

How To Be a Frugal Artist Without Even Trying

Yesterday I was training with my personal trainer. Great lad! We got talking. I told him that my strength to weight ratio has gone completely the wrong way because of my writing. You see, the more I write, the less I move; the less I move the heavier and less strong I...

Money management: use the ERR strategy to make your money go further

Your money never goes far enough, uh? This sucks. I still remember the time when a month was almost by eternity longer than our monthly income. This is when we got in debt. I didn’t look at my payslips, I didn’t look at my bank balance and I didn’t care what things...

The Manifesto of a Frugal Artist

Editor’s note: My regular readers may be under the impression that we don’t do frugality very well, or very willingly; and they may have good grounds for that. On The Money Principle we emphasise the importance of living life to the full, making sure that your money...

Dealing with debt: frugality is not the answer

It has been some time now since I have written about frugality. The last time I did this, I suppose, was when I made my position on what I call 'extreme frugality' (cut your own hair, don't spend anything on fun and use £4 of petrol to save 4 pence on a can of beans...

£100,000 ($157,000) to zero in three years flat: we are debt free!

Yep, what you are looking at is the expensive bottle of Cabernet Sauvignon that I brought back from Chile and it is empty; it was drunk last Friday and it was really great wine. Even greater was the occasion – we said that we will drink this wine, just the two of us,...

Women are Better Investors than Men…But Why Are They Not Investing?

Investment – it’s a man’s world, right? Women are happy to have savings accounts, but when it comes to stocks, shares and other investments, it’s the men who get results, not women. Thankfully, that previous statement is a complete mythology. There’s no evidence to...

When Did You Start Saving for Retirement?

Saving for retirement has not been on my mind recently. I used to worry about saving for retirement in my 20s. Started saving for retirement, through the extremely beneficial pension scheme of UK universities that has just been changed, in my 30s. In my 40s I worried...

This is Why I Still Love Nutmeg Enough to Stay with Them

Yesterday I opened my Nutmeg account (for my readers in the US, Nutmeg is the UK ‘sister’ of Betterment) and the first thing I saw was a message saying: In for the long run: history tells us that savvy investors stand firm when markets are choppy! The next thing I...

The Money Principle

All you need is a Plan.

To help you through the overwhelming archive and to make it easier for you to use The Money Principle with ease and to advantage, I’ve compiled this guide.

Learn About…

Want to leave your financial troubles behind? Learn more about

Financial health

financial health

Living wealthy is not just about money; it is about the harmony between what you believe in, what you have in your life and how you feel about it.

Generating income

generating income

Learn how to generate income, and develop different income streams, so you have security in a world of uncertainty.

Money management

money management

Control money, don’t let money control you.

Paying off debt

Having debt is the number one personal finance problem. We can help you solve it and pay off your debt in record time.

Investing for all

Investing is no longer exclusive, technical and boring. It is for people like you and me. This is how to invest with confidence and make it fun.

Personal finance wisdom

personal finance

Here is something for the heart and mind.

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What people say about us

J. Money

Maria is one of my favourite debt killers on the ‘net. I love how raw she is, and that she’s not afraid to share her mistakes just as much as her wins! One of the best personal finance blogs in Europe.
– Budgets Are Sexy –

Miss Thrifty

The Money Principle is a chocolate box of a blog: not only is there something for everyone but, once you start dipping in, it’s difficult to stop.
– Miss Thrifty Blog –


I realised about three years ago that the only way forward, and prevent us going bankrupt, is for me to take total control of my own and the business spending. I started reading several blogs including The Money Principle. I took control and in March 2016 I became debt free. Many of the blogs I followed were no longer relevant.
The one blog that I still follow, as it is the most relevant to my situation, is The Money Principle. I look forward to those e mails and have found some excellent advice there.
I can only thank Maria Nedeva for the work that she does and hope that she continues.
– TMP Community Reader –

Tom Church

Maria’s money advice is unrivalled. She says what you need to hear, not what you want to hear. A distinctive voice in a cluttered space, her words are timeless and mandatory reading.
– Tom Church Blog –

Charles Silberman

This is the most common sense and thorough way to get out of debt I have read, and I have read many. Thank you.
– TMP Community Reader –

The Four Pillars of the Game of Wealth...

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