Budgeting

How can you get an accurate picture of your financial health if you can’t even keep track of your personal expenses? It’s difficult to understand where your money goes when you don’t keep tabs on your spending habits, but it’s not impossible. With these tips and tools, you can start tracking your personal expenses and […]

Saving money is a fundamental aspect of financial security and wellbeing. A savings account, although often overlooked in pursuing more lucrative investments, plays a crucial role in a well-rounded financial strategy. Understanding how to maximise the benefits of your savings account can lead to increased financial stability and growth. This article delves into effective strategies

As parents, we strive to arm our children with the necessary skills and knowledge that will guide them through life. A critical yet often overlooked part of this toolkit is financial literacy. Grasping money management from an early age can have a profoundly positive impact on a child’s life, setting the foundation for a lifetime

A lack of financial literacy (aka money skills) can be embarrassing but it can also be disastrous when decisions about wealth are concerned, and can come at a cost to the whole community. Sadly, there’s no formal finance tuition as a compulsory class for high schoolers, so don’t be too hard on yourself if you

Whether you’ve got a birthday coming up, need to save for Christmas or want to set aside some cash for that bucket list trip you’ve always dreamed off, the idea of saving can often seem daunting and leave you struggling to know where to start. Reaching your savings goals doesn’t mean you have to give

I don’t run into too many people who love to budget. And when you add another person to the mix, like a spouse or partner, there’s a good chance one of you will actually hate the idea. Budgeting clearly has a marketing problem. It’s a bit like flossing. We understand how important it is to

Have you ever questioned where your money went? Do you live paycheque-to-paycheque? No matter what your income, good money habits can help to build wealth and set you up for financial success… but bad money habits can do the opposite. Bad money habits can see you dwindle your savings (if you have any) by continuously spending more than you

My parents had many failings.  I’m sure yours did too. But when do we stop blaming our parents for the person we’ve become? For some, this happens in their 20s. They make it through the tumultuous teenage years and they achieve clarity. For others, it doesn’t happen until the birth of their own children. Frankly,

Everyone in Australia has a credit score. It acts as an important indicator for lenders to gauge reliability and risk when it comes to repaying a home or personal loan. This means a good credit score is essential for securing a better interest rate on loans and boosting your overall financial health. No matter what your credit score

A few weeks ago I wrote a blog about the one thing that stops most people from making the most of their financial opportunities including making regular investments. It was my thesis that a lack of context is the main cause. Having a long-term plan provides you with the context required to make mistake-free financial decisions. It is difficult to work

“Now that you’re not working, it must be hard” she said. “There’s no-one to tell you you’re doing a good job”. I’d caught up with a friend for dinner who had won yet another industry award. I was happy for her. She’s worked hard. I did have to hold back though. Her statement revealed what she

If you want to change your life, you must change your habits. In my book, Effort-Less Wealth, I highlight which habits have the most impact on your financial life, and in my book Change Your Habits Change Your Life, I explain how to make habit change quick, painless, and permanent. Below I share some of the key