Here in Australia, the major banks have increased their mortgage rates, and the “average” borrower (whoever that is) will be paying another $50 a month. I think that most people will actually be paying more. And when you add that to increasing credit card debt, it’s time to think seriously about debt reduction. Vision, Mission, […]
Start a New Business Holistic Spending Plan
It’s tax time here in Australia, and when people see their numbers in black and white on their returns, many start wondering about going into business for themselves. That makes it a good time for a Start a New Business Holistic Spending Plan. The most important part of starting a new business is knowing why. […]
Your Role as a Purchasing Agent
Have you ever thought about your role as a Purchasing Agent? Or are you like most people who just buy stuff? You might find it interesting to know that you need formal qualifications to buy things for a living. In Australia, the Diploma of Purchasing “qualifies you to apply integrated technical and theoretical concepts in a […]
How to Create a Savings Plan
While I’ve talked about Spending Plans, and how to rearrange them to accommodate your goals, I’ve not mentioned creating a Savings Plan. And when I say Savings Plan, I don’t mean buying things at a discount; I mean not buying things and putting the money aside to use later. Maybe to buy a house or a […]
How to Recognise and Take Advantage of Opportunities
I went into town the other day for my transplant checkup, and I noticed a lot of homeless people. It occurred to me that in the same way that you’re only a few steps from losing everything, you’re only a few steps from having it all. You just need the ability to recognise and take […]
How to Make Good Purchasing Decisions
Here in Australia, the Banking Royal Commission is well underway. And you may wonder what this has to do with good purchasing decisions, but at some point, we all chose to buy their services, and some of us chose to invest in them, and all of our superannuation funds invest and bank with them. The Commission was […]
Get Moving! Holistic Spending Plan
Around now, when life settles back into its usual rut, many of us cry out “I wish I could just get moving again.” It’s not about weight loss per se (I’ve written a spending plan for that), it’s more about dealing with stress, the desire for a shapely calf, or improving your health by getting […]
Quit Smoking Holistic Spending Plan
Sooner or later, some smokers will decide that it is time to quit smoking. It’s not a snap decision, it’s something that most of us think about for many years, and take several attempts to do. Like any other self-improvement project, you need a plan. Vision, Mission, Virtues There are as many reasons to quit smoking […]
Read More Books Holistic Spending Plan
I am quite often told, “I wish I had the time to read books.” And I understand that because I wish it too! But I think what we all mean (particularly in Australia where books are expensive) is we wish we could afford to read more books. Which is why it’s time for a read […]
Holistic Spending Plan for Christmas
With Christmas 2017 over, you may be ruefully looking at your credit card statements wondering how you spent so much money, and what you can do about it. The easiest way to get 2018 under control is a Christmas Holistic Spending Plan. Vision, Mission, Virtues I’m skipping the detailed vision, mission and virtues for this […]
Stay in Touch Holistic Spending Plan
Look at any given monthly report, and you’ll see that I’m always trying to catch up with friends. Just recently I was making a date with Katy and she mentioned we hadn’t seen each other since this time last year. And yet I know so much about what she’s been up to – social media […]
Make New Friends Holistic Spending Plan
Something that has been on my list for a while is meeting new people, and I know it’s something many people add to their list of resolutions as well. So let’s look at a Make New Friends Holistic Spending Plan. Vision, Mission, Virtues It might be one of those obvious things, but I’m going to […]