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 …
Plan for the Predictable
Many expenses that blow people's budgets and eat into their savings are predictable occurrences. The precise amount and timing may vary but the occurrence is very likely, so build an allowance for …
Are credit card surcharges worth the points?
When a retailer charges a surcharge for paying with your credit card do you pause and instead pay using EFTPOS (from your savings account)? Or do you say "that's ok" and perhaps think "I want the …
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Budgeting tip: Medical costs
You don't know when you're going to be sick and need to see the doctor. That makes it tricky to include an allowance for medical expenses in your budget. Medical expenses are included under the …