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 [...]
Do you have a financial hangover?
Oh dear, Did you go a bit overboard on the Black Friday Sales and now you have a financial hangover? No, the solution is not to reach for a glass of wine and drown your [...]
How do You Change Your Money Habits?
Do you want to change your money habits? Like any change, if you try and do it too quickly you will fall flat on your face. As my mentor David Krueger says, “change is not an [...]
Spend, Baby Spend!
Bernard Hickey wrote in his Herald column that we are spending our way into debt. You can read the full article here. Two events that appear to be unrelated, have occurred this month. The first is the [...]
Are you an Emotional Spender?
Yes! I am an emotional spender, and I don’t know may people who can honestly answer no to that question. I am sure we have all been guilty at one time or another of purchasing [...]