Budget

Change Your Finances in 30 Days

Change Your Finances in 30 Days

  A lot of people in the financial community have begun discussing the recent 30 day method as a way to control impulse spending. The basic idea is very simple in theory but can feel quite difficult to execute. This article is going to go over everything you need to...
10 Tips for Financial Flourishing

10 Tips for Financial Flourishing

We all want to do well financially, yet it’s surprising how few of us have taken the time to think about what that will actually mean. This article is going to overview ten tips for getting clearer on how to flourish financially, from ditching the debt to planning for...
Do You Need a Financial Diet?

Do You Need a Financial Diet?

Have you ever been on a diet? Why? Maybe you wanted to lose weight, maybe you wanted to be healthier, maybe you just wanted to operate at the best your body could operate at. Whatever the reason, chances are you recognized that changing your diet, your plan for what...
Live smart, live savvy!

Live smart, live savvy!

A lot of us doing research right now are out for the same thing, we want to live savvy. Being savvy happens when we take smart advice and apply it, it’s just that simple. So how do you live savvy? Follow some basic principles and tips and you’ll be well on your way....
$1000 Gold Coin Challenge

$1000 Gold Coin Challenge

ee Who doesn’t like the idea of an extra $1000 in 50 weeks? I’ve come up with a saving challenge that I think is achievable and realistic for most people and it only takes your left over gold coins to do it! You simply start on any Monday and save a two...
Living Within Your Means?

Living Within Your Means?

  Living with the ability to save Learning to save is an exercise in the art of learning perspective, and what it means to manage money. You have to not only understand what it is to live within your means, but to live beneath them if you expect to grow a savings...
Track Your Spending

Track Your Spending

  Tracking spending – the old fashioned way Have a savings goal? Having trouble tracking why you haven’t yet reached it? Consider a savings journal. I’m not a journaler by nature myself, but even I have to admit that I’d be lost without mine. Keeping...
Ditching the Debt

Ditching the Debt

  Decreasing your debt A lot of people make new years resolutions with fitness goals in mind. From dropping a few kilos to starting to get back into jogging, fitness seems to be on our mind when it comes to setting goals. But what about financial fitness? This article...
2017 YOUR year of freedom!

2017 YOUR year of freedom!

  A substantial portion of the population is in debt right now, every day of the year. It’s one of the most popular goals and resolutions, to get out of debt, yet so many of us never make it. Why? We are our own biggest enemy. This article is going to overview how to...
Getting Rich Slowly!

Getting Rich Slowly!

  We’ve all heard of (and likely dreamed up) get rich quick schemes. Winning the lottery, inheriting a fortune, finding a winning contest prize or ticket of our dreams. There are a million get rich quick schemes, and all of them are about as effective as trying to get...
Financial Self Care

Financial Self Care

  Self-care has become an increasingly popular term for the things we do to ensure our personal wellbeing. People apply it to mental health, to friendship support, and many other areas of life, but often skip using it with finances. Why? I’m proud to say I’m...
Make it on 50% or less!

Make it on 50% or less!

Once upon a time, there were two full time working individuals.They made good wages, worked hard at their jobs, yet somehow never seemed to have savings. They mostly spent more than they earned, and couldn’t understand why they were still in trouble after all their...

Have you heard of the 50/30/20 formula?

The 50/30/20 formula or rule of thumb was written by Elizabeth Warren and her daughter Amelia Warren Tyagi, and published in the book they co-authored, “All Your Worth: The Ultimate Lifetime Money Plan.” Now as with all formulas this wont apply to everyone but for...
What Would You Do With An Extra $2000

What Would You Do With An Extra $2000

  If you had or have an extra $2000 then there are a few ways you could use it to your advantage. What would you do with an extra $2000? Here are 7 tips to get you thinking: 1. If you have a credit card debt and are paying high interest every month on it then it’s a...

Developing a budget

    Budgets. A lot of us know we need them, but even the sight of the word is enough to freak some people right out. The truth of the matter is, there isn’t anything to be scared of. If you’ve purchased our Financial Guidance E-Course then you’ll be...

Spending less money – ten tricks to get you started

    Looking to save? There’s two ways to find the money to do this. 1) Make more money, or 2) spend less. (or 3, both!) This is common sense, but easier said than done in many cases.   Adopt a cash-only policy Handing over a credit card doesn’t feel like...

Living well within your means – TIPS

  The less you spend, the more you have left. It’s a simple principle, but one many willingly ignore. Here are fifty different ways that you can spend less, to keep more in your pocket (or your investment account, or put towards debt repayment… you get the...

5 Steps to Doing a Budget Right

  Five Steps to doing a budget right Budgeting is the recipe for financial success, to know what you owe and when you owe it, and to keep track of your finances to pay that money out. A lot of people who don’t do well financially have something in common with...

Small change, big difference

Financial advisers are always coming up with “easy” ways you can save big money – by making massive lifestyle alterations. Some of this advice is great and sound, but it neglects the power of the small change. Small changes all throughout your financial life can still...

Who Do You Pay First?

Financial experts of all walks of life have agreed, you should be paying yourself first every time your pay check comes in. Don’t know what this means? I didn’t either. It’s not a tricky concept, but it’s one that you should definitely...

Be Prepared For Those Bills

Scheduling bill payment Every one has bills, from utilities to monthly internet bills and phone bills, they come monthly and they all have separate due dates. A lot of people wind up forgetting these bills, paying them late, and being charged with a late fee that they...

Save For Starting a Family

Starting a Family Smart Wanting to start a family is completely natural. We all hit that age and begin to want more than just our partners for a family but, as most of us are also aware, having kids is not cheap. Most people start working to save for it long before...

Top Five Tips For Money Saving Success

  Most people are not natural savers. It seems to be a lot easier to spend, and most people are quite good at naturally throwing away most of their paycheck. The truth of the matter is that a lot of this spending often goes to little purchases, the coffee you get a...

Easy Saving Tips

Minimal Effort Saving Saving is tough for the strongest of people, let alone people like me (who seem to have the willpower of jelly at times). That being said, I play to my strengths. To that effect, I have assembled several tips for saving that take minimal amounts...

Save on Heating Your Home

Lowering your bills: Our focus on heat Monthly utilities are a part of everyday living. Your electricity bill, your heating bill, and your water bill will come whether you paid attention that month to them or not. Many people ignore these bills until it’s too...

Start Saving Now!

Starting Saving Today Most people will at some point in their lives develop a desire (if not a need) to save. While often intimidated by whatever the goal may be, the truth is that every one has to start somewhere. This article will overview some of the best tips and...

Christmas Savings

The holiday savings account Saving is always most effective when it’s for a cause, and one extremely popular cause is Christmas. Christmas comes for all, the rich and the poor, and it merits saving up before December to really get some of the best deals. This...

Reducing Your Energy Costs

Targeting utilities: Energy Utilities are a cost that’s incurred every month, there’s no getting around it. But, are you doing everything that you can to operate your house efficiently, and thus to keep your utility costs down? This article is going to...

Lower Your Electricity Bills

  Keeping Electricity As Cheap as Possible Electricity bills can be a killer at the end of the month, but they don’t have to be. This article is going to go over some of the ways you can work to keep your electricity bill lower, without significant lifestyle...

The Bills Are Coming!

Don’t let bills be your surprise of the month Households across the nation are being widely infected with a terrible sickness, a sickness that can only come from pure and utter shock that occurs when a bill is substantially more than anticipated for no apparent...

Budgeting For Your Child’s Education

Budgeting for education Children are expensive, no parent doubts it, and one of the biggest costs of childhood comes in the form of education. Budgeting for education depends a lot on where you intend to send your child, and how much tuition can be reduced with...

Save With Cash

The Cash Only Savings Method Plastic cards can make it far too easy for us to spend money that we don’t have, and to barely feel it as we overspend. The cash-only saving method has been gaining popularity. The method is based off of the simple principle that...

So I can’t spend ANYTHING?

So I can’t spend ANYTHING? There are different types of saving, each with their own advantages and disadvantages. One that can work, but that tends to be more unrealistic than helpful, is the total spending snip (spending absolutely no money, saving it all other...

Are You Getting The Best Deal?

Are you getting the best deal that you can be getting? We all have expenses that regularly occur, and we tend to like to stick with the deals that we get for far longer than we should. This article is going to encourage you to take note of your current expenses,...

Selecting a Saving Method that Suits You

Selecting a Saving Method So you want to start saving? That’s fantastic, what method have you chosen? There are several different ways to save, each good for their own personality type. The truth of the matter is that there’s no one correct way to save,...

Can We Live Off One Income?

Determining whether you can afford to live off of one income Whether you’re pregnant, on maternity leave, or just contemplating starting a family, chances are you’ve considered the idea of wanting to stay home with your baby. This is an extremely personal...

What do you actually have to spend per day?

What do you actually have to spend per day? Budgeting is about more than accounting for the big expenses. It’s about anticipating your desires for daily coffee, about figuring out whether you can afford that movie, about looking at your expenses and about...

Financial Stress

Coping with financial stress can reduce the stress you feel in many areas of your life. Financial stress affects the whole family and the sooner it is dealt with, the sooner it can be managed. Denying financial strain can and will only make the problem bigger. If you...