Photo by Aaaon Burden on Unsplash The Christmas season is almost here! While I write this with a sense of excitement I am aware that for many this is not the case. I have had Christmases in my life where I have dreaded it all – the gift giving, the many yearend get togethers and extra social … [Read more...]
Photo by Rawpixel on Unsplash Getting back on track with time, money and what’s really important. Routines and structures are some of my biggest saviours. They are efficient, save me both time and money and reduce my stress as I take comfort in the certainty that returns to my world. As an … [Read more...]
Photo by Rawpixel.com on Pexels.com There was a time when I thought you either had time or you had money and when you had neither then things had to change. Despite sometimes still wishing I had more money or more security around it I have come through some tight financial times and I can see … [Read more...]
I took an agonizingly long time to sort out my will and the other things that go with it. Things like power of attorney and enduring power of attorney. It’s something I avoided and I told myself I didn’t have enough assets to warrant the effort. At the time I found this all to be very boring stuff … [Read more...]
How did you go with creating your budget? Seeing the current state of your finances can be an eye opener. Did you realize how much you’re bringing in and where it’s coming from, how much you’re spending and what you’re spending it on? When you see it in one lot it can be one big reality check. A … [Read more...]
A great place to begin to take charge of your finances is with a budget. I know, it’s a bit like a diet – a budget will limit you from enjoying all the things you love. Did you know? A budget will help you: Decrease your stress levels Manage your money and take charge of it Identify … [Read more...]
Tax time comes around every year and if you’re dreading it then preparing ahead will take the pressure off you. Each year my accountant sends me a list of things to have ready to make the process easier. After a couple of years of madly searching for documents (read - “I know I put them … [Read more...]
June in Australia is a couple of things – it’s the start of winter and it’s the end of the financial year and I’m not yet in the position where I can avoid either. The best thing I can do is be proactive with both, taking the necessary action so I’m not hiding from the cold or the taxman. So, with … [Read more...]
Save on Christmas or anytime really! Shop online and save. Check out Christmas club accounts with your bank, or at your local stores eg IGA Supermarkets have their own Christmas Club. These can only be spent in December. Don’t spend money you don’t have at sales. It’s not a bargain if … [Read more...]
Trim your Christmas gift list. Try the fun of Kris Kringle gift giving - everyone gets one gift and the game of giving is part of it. Pay off any Christmas debts first. Start a budget & stick to it. Start the new year debt free. Start your planning for all special occasions and stick … [Read more...]