Finances

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...
7 Ways Millennials Can Start Saving

7 Ways Millennials Can Start Saving

Saving is something a lot of us aspire to, and less of us actually get around to doing. In saying that, it’s important to start saving, no matter what your current income level is. It’s easy to tell yourself you don’t have enough to save right now, but I bet if you...
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...
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...
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...
Not On The Same Savings Page?

Not On The Same Savings Page?

  Saving by yourself, and what to do about a partner who won’t Saving is a common aspiration, but not always something that people want to act on. It may take months and months of thinking about how nice it would be to save for something before you actually...
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...

Income Protection Insurance

  God forbid if you are forced to take time off from work due to any illness or injury. Can you still keep up with your bills if this happened to you? Here’s where income protection insurance comes into play and helps you to cope financially while you recover....

The Secret to Doubling Your Money

Compound Interest When people talk about the power of saving, they often emphasize the importance of interest. Interest is the gains you make on your money just for leaving it in an account, and there are multiple kinds of interest. The most interesting of these (by...

15 steps to becoming an investor

  Many people who are looking to bolster their savings have turned their gaze towards investing. Investing your money can be a great way to grow it, when you understand what you’re doing. With its varying levels of risk and reward, it tempts a lot of people, but...

Planning Superannuation – How much will I need?

  People are living longer and longer with recent advances of medicine. Our current life expectancies are 86 years (for men) and 89 (for women), and they’re only expected to rise. This is great news, and gives people a lot more time near the later years in life...

How Much Should I Save?

What should I be putting away? Savings are a critical element of financial health. Without savings, a single emergency could wipe you out, to say nothing of retirement. As we grow older, we naturally tend to work less, and our finances need to be prepared to support...
Pension Rates and Rules

Pension Rates and Rules

  Your pension is likely an important part of your retirement plan. But do you really understand what you’re entitled to? What about how the new rates will impact you? This article is going to overview the details of some of the recent changes and rules involved...

Good debt versus bad debt

    Have you ever heard the term “good debt”? If not, you need to know about it. While it’s true that living a life of debt is bad in general, for both your pocketbook and your credit scores, there are some debts that can help to build your financial reputation....

Getting the best deal refinancing your mortgage

  There’s no getting around it, mortgages are large loans. The bigger the loan, the more you’ll need to be careful when arranging the terms and agreeing to take it on. Maybe you’re about to get a mortgage for the first time. Maybe you’ve had...

Getting the best loan that you can

    The need for personal loans has become quite common. Whether you’re financing a business or you’re looking for a quick repayment option, personal loans are a common resource. But how do you get the best interest rates? How do you qualify for the best...

Using debt consolidation to save on credit card debt

    Credit cards are a huge way to fall into the credit trap. You think you’re spending $20, and before you know it you’re thousands in debt. Fear not, you can get out, you just need to keep a level head and work your way out of it. Debt consolidation is...

Starting out

    If you’re reading this, chances are you’ve developed more than a passing interest in getting your finances organized. The stages for which this is new for you will be referred to as “starting out” and this article is going to walk you through the steps...

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...

Ways to work with yourself to save money

Getting around yourself – Ways to work with yourself to save money Saving is an aspiration for many people, but an achievement for far fewer. Why? Through poor financial habits and temptations we often work ourselves right out of the money we’re trying so hard...

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...

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...

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...

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...
A good friend, for your finances

A good friend, for your finances

  Being a good friend, and what it means for your finances Being financially stable brings a lot of good to life. From having you feel better to ensuring you have a backup fund, it really adds to the quality of life that many people are trying to build. The problem...

10 Keys to Financial Success

  Financial success is a common aspiration. There’s nothing quite like knowing that you’re debt free, paying bills on time, and building a savings that contributes to a secure financial future. But how do you get from where you are now to financial...

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...