After having some time off over xmas many of us start thinking about what we want to achieve over the coming year. However as the year moves on our new years resolutions often disappear into the ether, never to be seen again…or until next new years! So how do you increase your success rate? Have [...]
Xmas can be a trying time when it comes to paying bills – expenses like presents, travel and Xmas dinners can really put stress on finances. The last few years of financial uncertainty have seen an attitude shift among New Zealanders towards debt and the country has been experiencing its first positive savings rate in [...]
Xmas is an interesting time of year. Its a time where we spend time with family and friends and most of us get to have a holiday. Its also the time of year which is the most stressful financially for so many people. Good planning well ahead of time can greatly reduce our finanacial stress [...]
It’s the easiest way to make it. Dwelling, worrying, planning, fretting, pacing, exhausting – these are some of the many words that come to mind when some people think about money too much. You plan, then you plan some more, then you think about hypothetical situations, then perhaps you rehash the idea, then you think [...]
I had some clients today who came to see me to try and work out how to get a better handle on their money. A big part of the challenge was that they had their personal, property and business income and expenses all the same budget. There were lots of columns of numbers. No wonder [...]
Its easy to feel like you can’t possibly get ahead right now. But there are a few simple things you can do save money and have surplus to pay off debt.
On the weekend I watched the movie Confessions of a Shopaholic which has been out a year or two. I suppose you would call it a chick flick. Although it is a quiet an entertaining comedy it also has a serious side. Its about a women who is addicted to shopping and is heavily in [...]
Shock horror why would I pay cash for things when its easier to use my credit card I hear you say! The answer is simply that – using credit is just far too easy. I read about some research in the US a few years ago that found that we spend 20% less if we [...]
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