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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Celebrate every good financial decision
Buying stuff feels good. Sometimes it's the immediate pleasure of a new outfit or gadget. Other times, such as when we buy concert tickets, the anticipation of pleasure feels good. In those …
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Lower premium or lower excess?
My car insurance renewal is due this week and admittedly I've not previously thought much about the optimal excess amount. However, after paying the excess last year when my car was stolen I opened a …
Removing is easier than resisting temptation
I can't recall a time that I've been at a buffet and not overeaten. Even when I've been focused on dieting for my health I just can't seem to resist - it requires more willpower than I've got. Can …
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Save Money this Christmas
OMG! There are only 42 days until Christmas! The festive season can be a financially stressful time for many people. It's not just the cost of gifts that contribute to the financial stress it's the …
Make the trade-offs visible
A challenge of sticking to our budgets is that the pleasure of over-spending is immediate, whilst the pain is delayed. To be financially fit we need a method (or several) at the decisive moment of …
Cover your Commitments
Insufficient funds Have you ever received a call or e-mail advising your regular direct debit was declined due to insufficient funds? Or perhaps you've booked an appointment with your …