We all have financial challenges - or have had them. But how do we manage them? My first major financial challenge was to stop spending every cent I earned. I felt that I’d worked hard so I deserved to spoil myself and some things were just too hard to resist! Thankfully this didn’t lead to credit card debt - just a continuing zero bank [...]
The last 10-11 months have been different - to say the least. Many of us have adjusted to working from home, not working at all or being chaotically busy at work. Parents have had to figure out how to home school, entertain their kids and keep them mentally and physically fit without playdates, sport and so many of the activities that are a normal [...]
It's interesting to think about all the things we learn from our families. The traditions that are passed on. The values, the beliefs, the patterns and the habits. At Christmas time, we see them all. It's almost like there is a spotlight shining on our family traditions for all to see. When do you put up your tree? Do you decorate the front of [...]
December certainly seemed to arrive quickly this year but we've got almost a whole month left until 2021 arrives to achieve those goals we set in January. How are you going with them? Have you ticked off any or achieved any milestones along the way? Or have you thrown away the rule book? It's been a year like no other and has had many [...]
How do you know you’re getting the balance right? So often we’re faced with decisions that have an impact on the balance of our life. Do we stay up late because we’re having fun with friends and then suffer in the morning because we still have to get up early? Do we skip out of work early because it’s the only time we can [...]
If you’ve taken on the challenge to improve your money management, you will notice that it takes a while to change old habits. It might feel like sometimes you’re taking two steps forward and one backwards. As long as you keep your focus on your goal rather than your slip-ups, you will get there. Hopefully, you should be starting the shift from “mindless” money [...]
Technology has brought us so many great things but has it done us any favours when it comes to money management? My answer is yes and no. Yes because it makes it so easy to pay bills, transfer funds, set up direct debits, automate payments etc. No because of the exact same reasons. It's too easy to spend. All you need to do it [...]
With all that's going on in the world and at home right now, I think one aspect that is really being highlighted is how resilient we are - or aren't. Do we have enough flexibility in our lives to make changes and carry on without too much upheaval? Do we have enough savings in reserve to manage a loss or decrease in income for [...]
For us "nerds" working in finance, 1st July is an exciting time. It's a fresh new start - another chance to set your financial goals and work towards achieving them. We can also reflect on the past year, see what we did well and what we can do better. This is relevant for both your financial business goals as well as your personal goals. [...]
They say a man is not an island, but neither is a woman! However, when it comes to money, many of us feel like we're stranded all alone on a desert island with no one to talk to. Talking about money is hard and it's usually shrouded in fear of how you'll be judged. You might be judged as wasteful if you earn too [...]
