How to spend less and relax more this Christmas

How to have financial freedom this Christmas

It’s hard to believe, but Christmas is almost upon us again. It’s the most wonderful time of the year, or so they say, but the sad reality is when Santa is coming down the chimney most budgeters’ plans go up in smoke. Apart from the obvious expenses of gifts for loved ones and the Christmas…

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Avoid These Money Saving Pitfalls!

Use the money saving saving  pitfalls to build up your savings

Building savings can be challenging, but the reward is security for your future. Without savings of $5,000 to $10,000 a sudden problem could be a major hardship for you and your family; don’t let unexpected emergencies such as hospital visits put you into an untenable situation! According to financial publisher, around 25% of people…

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Should I Save My Extra Income or Pay off My Debts?

Should I Save or Pay off My Debt?

“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them” – Ogden Nash You’ve got a bit extra at the end of the month – Should you pay off some of a loan or save that money? Perhaps you could earn more interest on the savings…

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The 7 Steps to Killing Credit Card Debt Forever

7 Steps to Killing Credit Card Debt Forever

Step 1: Stop Making More Debt! The first, and sometimes hardest step, is to get out of the mindset that debt is something that you need to survive. Banks, loan and credit card companies and stores all spend a huge amount of money marketing to you with the message that you need more stuff, and…

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How to make your 2015 goals a reality

Are you still on track with your 2015 goals?

It’s March! Already? Who would have thought it, March already? Hopefully those financial New Year’s resolutions are going well, but for many of us they are long forgotten as soon as the first unexpected emergency rears its ugly head in January. So dust off those resolutions, and let’s take a look to see whether or…

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Plan for Christmas Now and Save Big

How to Survive Christmas without being a Scrooge

There’s so much pressure on us to overspend at Christmas – especially when it comes to our adorable offspring – that it’s prudent to begin your planning right now. With smart shopping, you can offer them the same fabulous Christmas without the hefty price tag. First, set an overall budget that you’re willing to spend…

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The 6 Life Events that Pack a Punch on your Finances


Life events, whether they are intentional or unexpected, they can affect your financial situation. Don’t underestimate these events can have on your financial future.

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Kick the Financial Year Off to a Strong Start


Money seems to have a way of flowing out of one’s pockets faster than it flows in. It seems like every month there is an unexpected expense that blows your careful budget out of the water.

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Our view on the 2014 Federal Budget

I may sound like a raving Communist with this article, but in reality I am a Capitalist Socialist. Seems like a contradiction in terms, I know. As my profession indicates, I believe in individuals building their wealth wherever possible, just not at the expense of others. And this budget goes against that as one of…

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Financial Year End Wealth Creation Tips

The end of the financial year is upon us and this is the perfect time to do some planning and reflect on the financial year that has been. If you follow these tips, the mountain can be broken down to a molehill. Just spending a few minutes each day on these, will get you there…

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