When you’re feeling tired do you make good financial decisions? I don't. Being able to survive on fewer hours of sleep has become a badge of honour. But life's not about surviving, is it? It’s …
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3 Key Elements of Fulfilling Budgeting System
We are immersed in a spending buffet of abundant temptation and easy credit. Advertisers and lenders are trained and skilled at getting us to spend our hard-earned money the way they …
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More Common Than You May Realise
Did you know that financial stress is as common as mental ill-health?* Yet we speak about our money worries even less than we speak about emotional struggles. Money is still a bit of a dirty …
The Forgotten Budget Category that Costs Thousands
Almost every free budgeting spreadsheet that I have seen omits a category that many Australians spend thousands of dollars on each year. Some years it might be very little but in other years it can …
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7 Signs You’re Overspending When Buying a Home
In a hot property market as we have now it's very easy to convince oneself to spend a little extra, driven by the fear of missing out (FOMO). That can lead to years, even decades of housing stress …
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Planning for variable expenses
When something is uncertain we can use a buffer to smooth the impact of the variability. Since internet speeds fluctuate video streaming services buffer the download to provide us with a smooth …