And it's the key to so many things. Mindfully managing your money simply means that you think before you spend. Which means that you are conscious of the impact on your financial bottom line, you think about whether you really need the item you're considering, you may also be conscious of the impact on the environment, the difference it will make to your life [...]
Do you want to save instead of spend? Here are my top tips to get your bank balance going up instead of down. Cancel a subscription for 6 months. Do you really need Netflix, Stan, Disney, Prime, HayU, Foxtel, and Spotify? Getting rid of just one for 6 months would save you at least $60. Hold onto your phone for an extra 6-12 [...]
This time of year can be very demanding on your bank account. You’re buying Christmas gifts, preparing for holidays plus dealing with increasing mortgage rates and increased cost of living. It’s a lot. It’s a lot extra when “normal” might already be a lot right now. So how do you manage it? By doing exactly that - managing it rather than it managing you. [...]
Girl Maths… what even is this? Is it a new phenomenon or am I just late to the party? If I’m late the the party I think I’ll change my RSVP to no. Thank you, but no. I know it’s tongue in cheek and a bit of fun… but it’s not really and it seems to be rife right now with Black Friday sales [...]
I came across a quote the other day that I just love. It's from American speaker and author, James W. Frick, “Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are.” So many of us are a little delusional, saying that we're saving for this or working towards that, yet we're still eating [...]
My parents owned a corner store and I learned from them that we had to offer excellent friendly service and be price competitive otherwise people would buy from somewhere else. (Good lesson) I also learnt that when you needed money you could take it from the till. (Not so good lesson) For them it wasn't a problem - it was their business, they knew [...]
One of the really important things that I always stress to my clients is that living to a spending plan sets you up for success in life. Knowing what you’re spending your money on is not just being responsible, it’s being respectful of the fact that you’ve worked hard to earn that money. Tracking where your money is going, knowing what it costs you [...]
Real estate agents are reporting that they've seen a big increase in the number of properties listed in the last three months. Surprisingly, many of them, particularly in Brisbane and Hobart, have only been in the hands of the current owners for less than three years. Many are being sold by first home buyers and investors. Sadly this is one of the impacts of [...]
There are a few givens in life that we just take as fact without putting too much thought into it. One of those "facts" is that the more money we earn, the better off we will be financially. Whilst that may be true for that one day a fortnight or month that your salary is deposited to your account, it doesn’t ring true for [...]
To many people, this is just a date on the calendar. A day to give your kids a pinch and a punch for the first of the month - unless they beat you to it. But it’s also a great time to set financial goals. What do you want to achieve this financial year? Do you have goals, targets, a plan, a spending and [...]
