Are you tired of living pay cheque to pay cheque? Do you feel like your financial circumstances haven’t really improved in the last two years (or even went backwards)? Do you wish you could just make more money? It’s time to start thinking differently. According to The Bogleheads’ Guide to Read more…
We live in a society that frowns upon usual, regular and average. Instead, we’re told we should be focused on achievement. In certain contexts, however, usual, regular and average can represent achievement. Pay is one such context. Hang on, you say, surely a large pay packet is a sign of Read more…
There are lots of apps on the market designed to track your spend, create budgets and find ways to save. I’ll let you into a secret: these apps won’t really help you unless you’re motivated to change your behaviour. Sure, these apps will provide insight into where and how you Read more…
Work smarter, not harder. Whether you work in an office, hospitality, or in the construction industry – we all need to manage our time better. That’s why we came up with 5 quick ways that can help you begin working smarter today: Two week backlog – For those with a work inbox, Read more…
If your income is inconsistent it can be really hard to budget. Here’s a couple of tricks to help you out based on my own experience dealing with uncertain cash flow. Know your average pay Rather than guess what you’ll earn, use what you earn on average. This keeps Read more…
Getting that ‘yes’ call is great. For some it may have been months of hard work leading up to this point; sending out C.V.s, second round interviews, and experiencing countless rejections. It’s tempting just to accept a job offer immediately for fear of it slipping away. Many people do. In Read more…
Talking about money with your partner can be hard. It’s hard because money is a personal matter. We get naturally defensive when asked questions like “you spent how much on what?” or “why you didn’t tell me about these purchases?” Many of us, perhaps because we’re so used to having Read more…
Can’t make a repayment? Don’t be afraid to ask for help Life happens – job loss, illness, family crisis, a sudden increase in living expenses. We understand there may be times when you just can’t afford to make a top-up repayment. Do reach out to us if this happens, rather than Read more…
Nearly all research in the known universe shows that running a personal budget helps you manage money better. The less aware you are of what’s coming in and going out, the more you feel less in control of your money. This usually leads to nasty surprises and doses of anxiety. Read more…
“The price of anything is the amount of life you exchange for it.” That’s from Henry David Thoreau, a 19th century American journalist and philosopher. It’s quite a neat way to go about budgeting. We tend to think about the things we want to buy in terms of price tags. Read more…