Quite regularly I get a tingly feeling that I want to be physically healthier - fitter, stronger, thinner and more flexible. Most of the time, I do nothing. Why? One reason is that I …
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A better money vision
Earlier this week I was speaking with a coaching client about the vision board she was creating for 2020. As is common she had cut out from magazines a numerical financial goal. I offered a …
Take a ‘before photo’
In mid-2019 when I resolved to lose weight two mistakes I made were forgetting to take a before photo and forgetting to take thorough body measurements. So, when my weight loss plateaued my …
The fatal flaw in most budget spreadsheets
"Use a budget planner/spreadsheet" appears to be one of the go-to recommendations in articles about how to budget, including on ASIC's Money Smart website. The trouble with that advice is that most …
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Resolved to save money in 2020? Here’s one thing that could derail you
If you've resolved to save more money the easiest way to start is to use the 'pay yourself first' method, which you may have heard of. To pay yourself first open a separate bank account for your …
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How to determine your best 2020 financial focus
If you're resolving to improve your financial position next year then this article will help you get the most impact for your effort. Though my experience as a financial planner it became evident …
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Defining affordable
One of the great challenges in creating and sticking to a budget is knowing how to define what is affordable. Common but terrible proxies for defining affordability include: Available balance …