Disclaimer

Let me level with you.

If you’re here on MoneyTips (blog), it probably means you’re done being confused, overwhelmed, or downright exhausted by money. Good — because that’s where I was too when I started writing this blog.

But before you scroll any deeper, I need to say something straight-up:

This isn’t financial advice.
I’m not a financial advisor, CPA, lawyer, or anything with a government-issued license hanging on the wall. I’m someone who’s been in the real world, gotten smacked by debt, fought my way back, and decided to share what actually works — not what textbooks or suits in boardrooms say should work.

What you’ll find here is experience-backed insight. Real talk. Strategy that I’ve lived, tested, and sometimes screwed up before getting right.
So if you're looking for advice tailored to your exact situation — whether you're juggling three side hustles, recovering from a financial crisis, or building your first budget — please, talk to a qualified professional who can look at your numbers, your risks, and your goals.

I’m here to start conversations — not give prescriptions.

That means:

• I can’t guarantee the info on this blog will always be 100% up to date. Finance is a moving target. Laws change. Rates shift. What worked last year might not apply this year — or to you.
• If I ever recommend a tool, app, or resource, it’s either something I’ve used myself, or something I believe genuinely helps. Some of those links may be affiliate links. If you click and make a purchase, I might earn a small commission (at no extra cost to you). But let’s be clear: I don’t promote garbage. If I don't use it with my own money, it doesn’t get airtime.
• Every story, tip, or strategy shared here is based on my experience — not a promise. Just because I paid off debt faster than expected or grew my emergency fund in six months doesn’t mean you will. Life doesn’t hand us all the same cards, and I’m not here to pretend it does.

Why I even need to say all this:

Because financial literacy is personal. Because too many people take internet advice as gospel, and I don’t want you to make a risky move because something here “sounded good.” And most of all — because I want you to take ownership of your money, your choices, and your future.

If you walk away from this blog with only one takeaway, let it be this:

Start thinking for yourself.
No guru, influencer, AI bot, or well-meaning stranger can live your financial life for you. The best thing you can do is get informed, stay curious, and make smart moves based on your own truth.

This blog is just a tool — one voice, one experience. Use it wisely.

Thanks for reading all the way. If you’ve got questions, ideas, or something that doesn’t sit right with you, contact me. Seriously. I'm still learning too.

— The person behind MoneyTips (blog)

Faisal Jabbar