Black Friday Sales
Can you survive Black Friday Sales? It’s only ONE week away and it's often a time when we spend outside our means because we're getting a great deal. The truth is you maybe getting 40% [...]
I Don’t Want to be Frugal!
I don’t want to have to be frugal. I don’t want to count every penny that I spend, to restrict myself to only one coffee a week. Or even worse (well, in my mind anyway), [...]
Try Shopping Differently This Christmas
Only two sleeps until Christmas! Why is it that every year it’s always the same – a mad rush to finish work for the year and then there’s the mad rush to finish Christmas shopping. [...]
5 Tips to Take the Stress Out of Buying Christmas Gifts
We love this time of year. The Pohutakawas (NZ Christmas tree) are starting to bloom and for us in New Zealand it signals the start of summer. The school year is all but finished which [...]
Spend Less than You Earn – Yeah Right!
The first rule of sound personal financial management is to spend less than you earn. It sounds really easy and makes sense... so why are so many of us in debt?! In fact, if it [...]
Not all Dollars are Equal!
If you happen to have cash in your wallet right now, take out a note and have a look at it. It’s just a piece of paper. It has a picture of someone famous on [...]
Why is it So Easy to Spend Money?
While this sounds a really simple question, the answer isn’t as straight forward as we would probably like it to be. This simple question actually has two parts to it. The first is why do [...]
What’s Holding You Back from Financial Freedom?
What’s holding you back from achieving your financial dreams - your Financial Freedom? Do you even know? Well, it is time to find out and to do something about it. What I would like you [...]
Why do Women Spend Money?
OK girls, this one is for us. What is it that gives us the urge to spend money and buy that handbag or shoes when we are feeling a bit down? It might not be [...]
Impulse Spending, it Isn’t All Our Fault!
That final mad dash is on to get the Christmas shopping finished before Santa arrives. As we have said before, the more stressed you are the more likely you are to impulse spend and end [...]