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 …
Not if, but when we go to Hamilton
My daughter loves the musical Hamilton. Listening to her sing along at the top of her lungs fills me with joy - I choke up and my eyes leak. Yesterday we were in the car singing along and she began …
How to minimise unforeseen expenses
Do you feel like every time you get ahead with your savings something comes along and causes you to dip into your savings, or worse to go into debt? This is a very common frustration. As I …
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Spending less isn’t as bad as we think
For a while there I was probably spending at least twice what I used to spend when I was a University student, even after adjusting for inflation. But I wasn't twice as happy. What's going on …
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A magical Valentine’s Day on a budget
Even though many commemorations have been commercialised I do still value the underlying concept of expressing our appreciation to important people in our lives. It need not be expensive or cost …
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Don’t cut the wrong things
Even though our heads know we need to save more often our hearts resist because we don't want to cut the things that come to mind. And for good reason, the first things that come to mind are often …