We’re all creatures of habit. Sometimes our financial habits support us, sometimes they don’t. You can be sure of one thing though, at some point in your life, these habits, both good and bad began as a conscious choice. There’s no need to continue to be a slave to your bad habits. You can change. And, if …
I know… Declutter like a Ninja?! But think about it, Ninjas are the epitome of getting the job done – quick. I know I’m not alone in my struggle to declutter my home. The task can seem so big and overwhelming that sometimes just knowing where to start is a challenge. If that’s you (it …
It’s been a while since I posted a life update of any kind so here goes… Here are my inspirations and aspirations for the rest of the year. The last few months have been challenging on many fronts; financial, emotional and physical. So, it’s not surprising that a few objectives have fallen by the wayside. …
Did you know that Buy Nothing New Month is October? Will you join the challenge? According to the Buy Nothing New Month website, “Buy Nothing New Month is the global movement for collective, conscientious consumption. It’s a little idea, that started in Melbourne and is spreading to the Netherlands and USA.” Buy Nothing New Month …
According to a survey* by the National Australia Bank, one in five Aussies live pay cheque to pay cheque. In essence, that means 20% of those surveyed are one pay cheque away from financial disaster. With growing unemployment, diminishing business confidence and whispers of a rise in interest rates in Australia, these statistics ought to …
Zero Waste. It’s a lofty ideal. One few of us are committed enough to attain. But, given the statistics on waste generation per person, it’s an ideal we need to strive toward before half the world is buried under mountains of rubbish. According to Living Smart QLD: “Australia is one of the highest waste producers in …
Got a secure job and don’t think you need an emergency fund? Here are 13 reasons why you might want to rethink that position. According to Pew Charitable Trust’s The Precarious State of Family Balance Sheets (Jan, 2015) “The typical household at the bottom has access to less than two weeks’ worth of income in checking and …
A good goof off day. Nothing beats it. You know how it is… You know from the moment you force your eyelids apart, today is not going to be a good day for work. If you’re an employee, it’s the day we used to call a mental health day. You’re not sick. You’re just… …
A spending freeze is an excellent way to check for leaks in your budget. No matter how vigilant you are, spending leaks happen. The coffee on the way to work that was an occasional treat (or first aid) and is now a habit. Ordering dinner in on Friday night, because, well… It’s Friday night. The …
It’s spring time here so it’s the perfect time to shop from the pantry and not just to spring clean it but save money, too. I’m a big believer in maintaining a well stocked pantry. Keeping plenty of supplies on hand enables you to better manage your grocery budget by buying when products are on …
I have a confession. I’m a digital clutter hoarder. I never used to have problems with digital clutter so I’m not exactly sure how this has happened but suddenly, my PC hard drive is nearly full and my email inbox is bursting at the seams. So, I’m staging my own personal intervention. Time to get …
Over the years I’ve spent hundreds, perhaps thousands of dollars on planners and diaries. Most of that money was wasted. Why? Because I’m a visual learner. It doesn’t matter how attractive the diary or planner is on the outside, if you’re a visual learner you’re going to find that diary is probably more useful …