Saving

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...
Something For A Rainy Day

Something For A Rainy Day

  You don’t have to look very far in the financial world before you find a host of advice demanding you keep an emergency fund. This fund is meant to cover everything unexpected, from car repairs to bill maintenance when you lose hours at work, or get a pay cut....
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....
Ten Ways to Trim the Food Bill

Ten Ways to Trim the Food Bill

  Groceries. That weekly wallet drain that (according to Australian Bureau of Stats) is sucking between $100 (single person) – $300 (family) each time it takes from you. That adds up, and can take a significant chunk away from your income (indeed food is often...
$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...
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...
Online Shopping Hints and Hacks

Online Shopping Hints and Hacks

  Online shopping is a great way to save money and time. There are so many deals you can find and quickly compare prices around the web, but many people don’t know all the special tips to saving money and getting the most for your cash. You don’t have to be frugal to...

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...
Become Great at Saving

Become Great at Saving

    “Only one who devotes himself to a cause with his whole strength and soul can be a true master. For this reason mastery demands all of a person.” – Albert Einstein Very often you’ll see blog posts or books teaching you to “master” a skill in only 10 days, or...

Rethinking Thrift Store Shopping

  There are some terrific bargains to be had at your local charity or thrift shops these days. There’s no stigma to finding a bargain and putting your money to good use – do this for ten years and you’ll be way ahead of the pack! I’m not suggesting buying exclusively...

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...

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...

20 Easy Ways to Save Money Immediately

  One night a week turn off all the lights in the house and use candles and torches, lanterns. Relaxing and so much fun for the kids! Unplug all of the non essential electrical appliances when not in use. This easy trick can save you a lot of money over the years....

Make It Go Further!

  Butter: Make butter go further by beating 500 grams of softened butter until it turns pale and then slowly adding 1.5 cups of extra light olive oil while still beating in a mixer. The mixture will be quite liquid but hardens up overnight in the fridge. Clean and...

Controlling your online shopping addiction

    Online shopping is a very convenient way of buying things you may otherwise have to travel for, but don’t think you’re not paying for that convenience. Marketers are smarter than ever about this, and have totally capitalized on this by doing things...

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...

Saving for Teens

  Saving as a teenager: 15 tips to get you started Being a teenager is great, from having lower expenses to more free time, it’s also a great time of life to save. Saving is a great habit, but it takes time and effort to form. Using this time in your life to...

Saving Without Compromising

  Saving while you live While saving can mean sacrifice, it doesn’t have to. Just because you’re not looking to make any big lifestyle changes does not mean you can’t do anything about your spending and expenses. 1. Budget Just knowing what it is...

Living Beneath Your Means – It’s easy

  Living beneath your means – 10 ways to get started We all could afford to learn to cut a few more corners. This article is going to go through ten different strategies to cut spending corners, and start saving more today. Avoid Brand names Brand names are marked up....

Why Should You Save Money?

  Why should you save? 10 great reasons to start saving Saving is often a matter of motivation. Why you should be saving could relate to your personal goals, or it could relate to one of several general reasons that apply to every one (every one should be saving)....

Spending to Save

  Managing your spending to save money A big excuse for not saving is “there’s nothing to save”. I’m guilty of thinking it too, but it’s not true. There’s almost no one on this planet who isn’t doing some spending that they could afford...

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...

Ways to Save Cash

Saving Cash for a Rainy Day What’s the best way to save cash? Not money in general, cash. Many of you will say that they haven’t been using cash any more, but it’s a great way to encourage saving, as you can actually feel it piling up. For me...

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...

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...

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...

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...

Time is Money!

  Maximizing productivity: Financial and personal A great way to really kick your savings into gear is to work on your levels of productivity. When you’re productive, you’re efficiently using your time in an organized fashion – this is practically a recipe...
Are You On Track With Saving?

Are You On Track With Saving?

Starting Savings Now People who are looking to start saving often are overwhelmed about where exactly this process needs to begin. From wondering what we’re saving for to how best to keep money safe from our own poor habits, advisers can help. We’ve...

Spring Clean Benefits

  Why Spring Cleaning does good for more than just your house Spring is a time of great motivation for people, a time for cleaning the house, giving yourself a fresh start, and maybe even organizing your finances. This article will go over some of the spring cleaning...

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 Electricity

Targeting utilities: Electricity Saving money on electricity is something of a no brainer desire. It’s good for the environment, it often costs nothing, and it saves actual money every single month. This article is going to go through some of the most cost...

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...

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...

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...

Unit Pricing at The Grocery Shop

Bargain Hunting at the Grocery Store – How to price out individual items and why it works so well People often take their bargain hunting skills and coupons to the grocery store, but what about when the store does the same for them? Some stores in Australia have...

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,...

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...
It’s Possible to Improve your Savings

It’s Possible to Improve your Savings

Build Savings Faster – The 5 Tips that can Change Your Savings Account Make sure you’re saving in the right account Look at your bank’s savings options. Regularly. Do they have a match your savings promotion? Could you be getting a higher interest rate if...
Bad Financial Patterns You Can Break

Bad Financial Patterns You Can Break

Breaking Poor Financial Patterns – The top 5 worst offenders We all have bad habits, especially when it comes to finances. Any one who thinks that they don’t most likely hasn’t looked at him/herself enough. I’m no exception to the rule, I have often...

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...