Take a bow if you stayed within your budget over Christmas or even made a budget. If you did, you are one of the very few that knows restraint and planning. Its’ not surprising that the rest of us loosened…
How’s your self-control?
I was reading just recently about a guy who surveyed multiple millionaires and came up with the finding that most millionaires don’t have a budget. The reason they give is that they understand money and have restraint when it comes…
Ho Ho Ho
It’s that time of year again when we embrace the festive season and celebrate our own personal meaning of Christmas and the joy/stress it brings to each of us. For some, it means no school and more gadgets from Santa…
The 7 truths about battling debt
It will be tough – There is no denying it, you will have to make some life choices if you want to break out of the endless struggle of financial confinement and climb into a new life uninhabited by the…
Salary Sacrifice or Loan?
Some companies in Australia now allow their employees the ability to utilise the benefits of Salary Sacrificing where they elect to pay more into Superannuation or Lease a vehicle rather than buy one. I have taken advantage of this method…
Our 2016 year in review
In many ways, 2016 was a good year for reviewing our plans for the future. We used the Christmas holiday season to review our intended future and although we never really cemented any plans until now we had some loose…
New Year, New beginnings
So I put down the glass of wine and tied up my work boots for a brand new year of madness and mayhem. The festive season has come to a close and we all look down the barrel of 2017…
It’s all about the percentages
Anyone who has ever read a book about paying off debt or saving money will inevitably read about the ten percent rule where you save ten percent of your gross income. It’s not that easy to do, right? So many…
Do you have the patience to invest?
I know when I first started on the road to financial education I barely finished the first book and wanted to plunge headfirst into share trading. Luckily I withheld long enough to get a good understanding of the risk and…
Financial Planning for 50’s
Have you just turned the big five-o and given a thought to your retirement yet? Do you have superannuation? Will it be enough? What about the age pension? A lot of questions, huh? Because the Australian government are concerned that…