A staggering 90% of car sales are arranged through finance. Source: ASIC as quoted in 'Some Features of Car Financing in Australia', Background Paper 3: Royal Commission into Misconduct in the …
Why budget spreadsheets don’t work and what to do about it
"Use a budget planner/spreadsheet" appears to be one of the go-to recommendations in articles about how to save money, including on ASIC's Money Smart website. There are two main reasons this …
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Budgeting a variable income
Sticking to a budget can be challenging enough with a steady income, let alone when your income varies. This includes the self-employed, casuals, shift workers, FIFO and salespeople to name a …
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 …
Continue Reading about The fatal flaw in most budget spreadsheets →