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Some simple ways to save money

Posted by on Apr 21, 2015 in Uncategorized | 1 comment

Here are nine relatively easy ways to save money. As you incorporate more and more of these tips into your life, the savings add up and you could save thousands over the course of a year. For example if you saved just $10 each day that adds up to $3,650 in a year. In fact you could save two or three times this amount if you work at it. Cook at home often: If both you and your partner work, this is likely to be very difficult. Start out with the habit of preparing all your meals at home at least twice during the work week and slowly increase...

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Be careful with payday lenders

Posted by on Mar 31, 2015 in Uncategorized | 0 comments

The article below shows the importance of understanding money; understanding why we do what we do around money as well as gaining financial literacy. If more people understood money, the payday lenders would have fewer customers. This is from the ABC website: Corporate watchdog ASIC is investigating a payday lender accused of lending to drug addicts, gamblers and people who are illiterate as well as changing the terms of loan contracts after they have been signed. The ABC’s Four Corners uncovered disturbing conduct by online lender...

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Are Your Finances a Mess? Money and Emotion

Posted by on Mar 18, 2015 in Uncategorized | 0 comments

Do you want to change problem behaviours that leave you financially unstable? People perceive, value and treat money differently.  But regardless of how you interact with it, money and your financial circumstances play a major role in your life.  Money can provide security, freedom and power and lack of it can leave you feeling inadequate and trapped in undesirable circumstances. So why do some people seem to attract it, while others are unable to hold on to it? Problematic patterns in how you think about and manage money are often related...

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Happiness at work

Posted by on Feb 24, 2015 in Uncategorized | 2 comments

Happiness. Countless books try to help you achieve it Research demonstrates that you are more productive with it. And yet the truth is that so few people feel it at work. Why? Is it because leaders don’t create “happy” workplaces? Is it because work is inherently miserable? Or perhaps it’s because of our attitudes about work? There’s really no definitive answer here. A negative boss, bad working conditions or a toxic culture can certainly make people unhappy. I’ve also seen how leaders can create happier and more productive...

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Antidotes to excess spending

Posted by on Feb 3, 2015 in Uncategorized | 0 comments

This is the follow up to my previous post – Is Your Spending Out of Control? A quick recap: An out-of-control spender isn’t just someone who blows their earnings on shopping sprees every month and then wonders why on earth they have nothing left for essentials. Of course these extremes exist, but having an out-of-control spending habit simply means that you spend more than you earn. Depending on how much you earn and how much you need to spend on essentials, a few luxuries can easily swing the balance so that your money seems to...

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Is Your Spending Out of Control?

Posted by on Nov 18, 2014 in Uncategorized | 2 comments

Ever look at your bank balance a week after payday and wonder where all your money has gone? You’re not alone. Find out how to identify when your spending is out of control. An out-of-control spender isn’t just someone who blows their earnings on shopping sprees every month and then wonders why on earth they have nothing left for essentials. Of course these extremes exist, but having an out-of-control spending habit simply means that you spend more than you earn. Depending on how much you earn and how much you need to spend on...

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How to Stop Overspending

Posted by on Nov 4, 2014 in Uncategorized | 0 comments

Admitting you have an issue is the first step in taking control of your money. Of course, that’s easier said than done, but there are some concrete measures you can take to help keep your spending in check and improve your financial habits. Create a Budget (or Improve Your Existing Budget) Taking a hard look at what you bring in versus what you spend is a crucial first step. Seeing how much you’re blowing on clothes, electronics, and other luxury items can be a major wake-up call. Here’s a simple process to get you started: Start a...

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How to Stop Overspending and Get Your Budget Under Control

Posted by on Oct 7, 2014 in Uncategorized | 0 comments

Are you a chronic overspender? If you start each month with great intentions and spend according to a set plan, but eventually find yourself making mindless purchases justified by that ever dangerous “a little won’t hurt” attitude, you’re likely facing an empty bank account and severe buyer’s remorse by the end of the month. Once you realize you’ve chipped away at whatever cushion you had in place, you’re left scrambling for money – or worse, using credit cards to cover your bad moves. Overspending is often a learned behaviour...

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How do the most successful people manage their time?

Posted by on Sep 23, 2014 in Uncategorized | 0 comments

Laura Vanderkam talked to a number of those people (including productivity expert David Allen and the former CEO of Pepsi) and found out their secrets. Here’s how you can get lot accomplished during the week, feel less stressed and even have more fun on the weekend. 1. Do a time log. Interviewing so many successful people, what did she hear some version of over and over? They all seem obsessed with one question: What else could I do with that hour? They plan their time, track their time and are always thinking about the opportunity...

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The Physics of Productivity: Newton’s Laws of Getting Stuff Done

Posted by on Sep 2, 2014 in Uncategorized | 0 comments

In 1687, Sir Isaac Newton published his groundbreaking book, Mathematical Principles of Natural Philosophy, which described his three laws of motion. In the process, Newton laid the foundation for classical mechanics and redefined the way the world looked at physics and science. What most people don’t know, however, is that Newton’s three laws of motion can be used as an interesting analogy for increasing your productivity, simplifying your work, and improving your life. Allow me to present this analogy as Newton’s Laws of...

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10 steps to reducing your credit card debt

Posted by on Jul 29, 2014 in Uncategorized | 6 comments

Do you owe more money on your credit cards than you have in your emergency savings? You’re not alone — and the situation isn’t hopeless. Credit card debt is a huge weight on many people’s finances. According to a recent survey, close to half have more credit card debt than emergency savings. Issuers have added to the problem. Mailboxes have been filled with credit card offers as issuers aggressively market lucrative rewards and balance transfer cards, especially to consumers with good or excellent credit...

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3 Reasons Bill Gates could get a Message to Garcia

Posted by on Jul 15, 2014 in Uncategorized | 0 comments

If the world depended on a man, who would you trust? If a message had to get through to save your country, who would you trust to take it? A book written in 1899 and Bill Gates don’t seem like a likely combination; however, when I discovered “A Message to Garcia,” it challenged me to think of who I would put my money on to get a letter to Garcia today. Who would I trust to do a job that would change the world? I could think of no greater person than Bill Gates. Throughout history, “A Message to Garcia” has been one of the most...

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13 Ways to save money

Posted by on Jul 1, 2014 in Uncategorized | 0 comments

Here is a list of 13 ways to save money. Each of these suggestions are simple little moves you can make to improve your financial situation. Some of them take just a few minutes, others might take an hour or two, some of them require a bit of regular effort, but they’re all incredibly simple – anyone can do them. Each of them also save significant money, especially over the long haul, and when combined together these tips can save you a lot of money now. Switch your bank accounts to a bank that respects you. You shouldn’t be spending...

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10 Steps to Getting Out of Debt

Posted by on Jun 17, 2014 in Uncategorized | 0 comments

1  Stop increasing your debt. If you have any credit cards that are maxed out, cut them in half. If you have more than one remaining credit card, cut them up. When you finish, you should have no more than one credit card. Also cut up any “convenience” cards, such as fuel cards, department store cards, etc. You will use your one credit card only to buy “emergency things”, and things that you know you will be able to pay off in a short amount of time until you can get your spending fully under control. 2  Record your...

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How Mark lived by spending nothing for two years

Posted by on Jun 3, 2014 in Uncategorized | 2 comments

In November 2008, Mark Boyle gave up money for more than two years. The business and economics graduate quit his job with an organic food company and set up home in a donated caravan on a Somerset farm. He volunteered at the farm, grew his own food, cooked on a wood-burning stove and generated electricity through a solar panel, bought for £360 before the experiment started. “I got to the point when I was looking at all the big issues in the world, such as deforestation and sweatshops, and I realised they are all symptoms of a deeper cause;...

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Susan’s story – full time to part time

Posted by on May 20, 2014 in Uncategorized | 0 comments

In 1996, I quit my high-paying job in media relations for a production company that produced shows for resorts, casinos and cruise ships around the world. I was a single mum with a daughter I needed to get through her last years of high school, then college. I was burned out on teaching full time, which I’d done for 15 years before my 18 years in show business, and couldn’t make enough money by just teaching to do what I needed anyway. So what to do to make as much money as I was making in show business? And what about health...

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Dos and Don’ts of Credit Cards

Posted by on May 6, 2014 in Uncategorized | 0 comments

It’s not a bad thing to have a credit card. In addition to providing a little extra flexibility if you need to purchase items, credit cards can protect you against fraud. So if you have a dispute over the goods or services purchased you can make a claim from the card provider. Many cards offer additional benefits on purchases, such as reward points, vouchers, frequent flyer benefits or cash back. If a card provider offers a reward system for a service or product you use regularly, then regular purchases can provide you with a nice extra...

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5 Scientifically Proven Ways to Work Smarter, Not Harder

Posted by on Apr 22, 2014 in Uncategorized | 0 comments

Working harder can be an easy habit to slip into, though. Sometimes it’s hard to switch off at the end of the day or take time out on the weekend and stop thinking about work. Here are five ways to avoid that trap: 1. Take more breaks. In one of my favourite books, Stephen Covey tells a story about a woodcutter whose saw gets more blunt as time passes and he continues cutting down trees. If the woodcutter were to stop sawing, sharpen his saw, and go back to cutting the tree with a sharp blade, he would actually save time and effort in...

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I’m Just Too Busy. How Do I Find More Time?

Posted by on Apr 8, 2014 in Uncategorized | 0 comments

“I’m Just Too Busy. How Do I Find More Time?” “I feel like I’m always rushing, always stressed, and still don’t have enough time for the things in life that are most important to me.” “This stresses me out a lot. What can I do?” Always rushing?  These time management tips can help you to set a new pace. Many people find themselves too busy these days, which causes stress.  The reasons vary from person to person, but the following are some main ones why people find themselves too busy, along with time...

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7 Ways to Reduce Your Health Insurance Costs

Posted by on Mar 25, 2014 in Uncategorized | 0 comments

The presence of health insurance can be a reassuring one for people who require medical attention. Other than being able to choose treatment in a public or private hospital, as well as from specific doctors, it also means waiting for a shorter time to receive treatment. While this convenience comes with a price, there are ways to reduce the health insurance costs so that the assurance of continual care doesn’t wind up burning a hole in your pocket. Sooner Rather Than Later! You can actually save a bundle on private health insurance if...

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Signs of Credit Card Debt Overload

Posted by on Mar 4, 2014 in Uncategorized | 0 comments

With most things in life, identifying a problem gets you a lot closer to its solution. Credit card debt is no exception. The sooner you recognise that you have a problem, the sooner you should be able to implement some strategies to address it. Due to the overwhelming convenience of credit cards, we often find ourselves almost addicted to using them daily without realising that we are digging ourselves further and further into debt. You miss some of your set credit card payments There are some clear signs to watch out for that will confirm...

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How to Sniff Out the Right Career?

Posted by on Feb 4, 2014 in Uncategorized | 0 comments

Finding the right career path to follow and to excel in is never easy. Our preconceived misconceptions can get in the way more than any other opposition to success. The trick to finding your perfect career path is in finding out what hides behind a job title – what the actual duties are and evaluating yourself honestly to see if it would make you happy. Confucius said it best; “Choose a job you love, and you will never have to work a day in your life.” The following tips and questions are intended to help you determine the path that’s...

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Maryjo – My Road to Financial Integrity

Posted by on Nov 26, 2013 in Uncategorized | 0 comments

Everyone’s road to financial integrity is somewhat unique. Each person needs to decide for themselves where to start, what’s critical for them and where they can have the most impact. For me, the road I’m on started when I realized I didn’t want to work forever and if I wanted a different lifestyle I was going to have to set some goals and make some changes in my life. The first thing I did is track every penny I spent. This is a recommended step in most financial integrity programs, and although I thought it would be a real pain to...

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Teach Your Children – Colleen

Posted by on Nov 5, 2013 in Uncategorized | 0 comments

Stories abound these days of people who are drowning in credit card debt and who are now paying the price for living beyond their means. When I read these stories, I feel grateful for my dad. Had these unfortunate people been raised by my dad, they would probably not be in such a predicament. My dad taught me and my sisters from an early age what money is, its value, and how to manage it. Here are some of his main lessons: Money is for many things, not just for spending When I first received an allowance at about the age of seven, my dad gave...

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Am I already at the peak of fulfillment? – Candice

Posted by on Oct 24, 2013 in Uncategorized | 0 comments

My fiancé has a pet bird. This was almost a deal breaker on our second date because I thought keeping a bird locked in a cage was the height of animal cruelty. But I quickly learnt that Gabe sees his cage as his home. We always leave the door open, but he prefers to ‘stay in’ and play with his most beloved toy: a bell. Knowing his love for bells, one weekend as I was preparing to leave (birds are great pets because they’re pretty self sufficient) I had the brilliant idea of putting both of his beloved bells in his cage at the same time....

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Is My Superannuation Enough?

Posted by on Oct 15, 2013 in Uncategorized | 0 comments

Retirement is always on the horizon. As citizens we hope that our government pensions will provide enough money to allow us a comfortable retirement. Unfortunately that is not the case for majority of Australian Citizens. Life expectancy has gradually increased over the last century. This is a double-edged sword. While women living to 82 and men to 77 will allow more time to enjoy our lives, we must keep in mind that it will mean that our superannuation pension must stretch further than ever before.   How Money Much Do You Need For...

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I got off the treadmill – Fred

Posted by on Oct 10, 2013 in Uncategorized | 0 comments

When I was younger, I hopped from one job to the next, believing that I would find that one perfect position, my dream job. In my dream job, I would be proud of my work, do good for the world, be respected as a high-status professional, and be paid handsomely. I often moved from one position to the next within a year or two, jumping whenever the grass appeared greener elsewhere. This constant dissatisfaction took its toll on me, leaving me always wanting more, always changing colleagues, and eventually becoming lonely and disconnected in...

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Effective brainstorming

Posted by on Sep 9, 2013 in Uncategorized | 0 comments

It’s easier to get group buy-in if everyone feels that they were part of the process Imagine you’re leading a brainstorming session at your work or business. You want to come up with strategies, so you gather your team in a meeting room, generate lots of ideas, and choose the most promising one. Many small business owners use that approach, but unfortunately, it often doesn’t work. In fact, it makes your team less creative. “Group problem solving can be extremely effective, but only if it’s done right,”...

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Making money by saving money

Posted by on Aug 27, 2013 in Uncategorized | 0 comments

Here are some posts taken from the Simple Living Forum: Ben Franklin said – A penny saved is a penny earned. It seems to me that it is easy to forget that we can save pennies (and nickels, dimes,…) and in effect EARN money at a good clip. With the taxation system as it is, saving a dollar is (for some of us) as good as earning 1.5 dollars through actual employment. So, if you don’t have a regular job, what can you do with your time, creativity and energy to save some money in your day-to-day living? Here are 5 of my...

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The ant philosophy

Posted by on Aug 13, 2013 in Uncategorized | 0 comments

Over the years I’ve been teaching kids about a simple but powerful concept—the ant philosophy. I think everybody should study ants … They have an amazing four-part philosophy. Here is the first part: ants never quit. That’s a good philosophy. If they’re headed somewhere and you try to stop them, they’ll look for another way. They’ll climb over, they’ll climb under, they’ll climb around. They keep looking for another way. What a neat philosophy, to never quit looking for a way to get where...

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4 Ways Single Parents Can Look Out for Family Finances

Posted by on Jul 30, 2013 in Uncategorized | 1 comment

Looking out for the financial well-being of your family can be tough, and it’s an even harder task to take on if you’re going at it by yourself. When money is tight, it’s easy to spend in the moment and difficult to plan long-term, and for many single parents, creating a stable financial environment for their family seems like an unattainable feat.  If you’re stuck in this mindset but want to improve your monetary state of being, here are a few steps you can take to relieve some stress and create a brighter outlook for you and your...

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Improve Your Personal Finances By Asking Yourself These 3 Questions

Posted by on Jul 23, 2013 in Uncategorized | 0 comments

A Quick Way to Improve Your Family’s Financial Situation A huge mistake that I see repeated constantly among new investors is the desire to setup a portfolio without any meaningful rationale behind the action besides a generic, “I thought I should do something to begin preparing for retirement,” or “I’m an adult now, so I should have a retirement plan because that is what you are supposed to do.” While this attitude is certainly better than the alternative of not caring about your family’s income...

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First 5 Steps to Achieving Great Things

Posted by on Jul 9, 2013 in Uncategorized | 0 comments

Greatness doesn’t just happen. The best leaders take steps to ensure that when they do something, they do it better than anyone else. You’re good. You wouldn’t be where you are if you weren’t. But you know you’re capable of better than good. You’re capable of achieving truly great things. Problem is, days go by, then weeks, months–maybe even years–and you’re still cranking out good. You’ve yet to design that unbelievable product, write that great novel, dominate that market. Everyone...

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The Personal Finance Quiz That 86% Of Americans Failed

Posted by on Jun 25, 2013 in Uncategorized | 0 comments

Turns out that people are just about as likely to overestimate their financial savviness as they are their good looks. A new survey by the FINRA Investor Education Foundation found that 75% of U.S. adults say they’re pros at managing their finances, but only 14% could ace a five-question quiz on basic financial concepts. This was no small study sample size either. A whopping 25,000 consumers took the quiz. Think you can do a better job? Take the FINRA quiz below, then click http://www.usfinancialcapability.org/quiz.php to see...

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The 4 Smartest Things You Can Do Every Morning

Posted by on Jun 11, 2013 in Uncategorized | 2 comments

These down-to-earth tips will help get you going in the morning, and keep you productive all day. Does this sound like you? You roll out of bed exhausted every morning. Your brain was going like gangbusters all night, keeping you awake with thoughts and plans about your business. Now you’re ready to execute—if you could just find the shirt you were planning to wear to that important client meeting. Where’s the address again? Uh-oh, your phone isn’t charged, so you go on the computer to look up the location. Next thing you know,...

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How the family court segregates debts during divorce judgment

Posted by on May 8, 2013 in Uncategorized | 0 comments

When you’re still the part of a blissful happy marriage, debts may not seem frightening to you at all but the situation takes a different turn when you decide to split. Obviously confusion may arise regarding who should pay off how much debt. The division of assets may also increase the confusion. In such a circumstance, the family court will evaluate the situation and give a judgment by splitting the debts and assets among the spouses. How family court treats the bills and assets during divorce? The family court generally divides the...

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Glass of milk

Posted by on Apr 23, 2013 in Uncategorized | 2 comments

One day, a poor boy who was selling goods from door to door to pay his way through school, found he had only one thin dime left, and he was hungry. He decided he would ask for a meal at the next house. However, he lost his nerve when a lovely young woman opened the door. Instead of a meal he asked for a drink of water! ….. She thought he looked hungry so brought him a large glass of milk. He drank it so slowly, and then asked, How much do I owe you?” You don’t owe me anything,” she replied. “Mother has taught us...

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Why do I always have expenses that don’t fit into my budget?

Posted by on Apr 16, 2013 in Uncategorized | 0 comments

Budgeting has negative connotations, but it can do wonders for your overall financial picture and it takes very little effort to create and maintain a budget. Think of a budget as simply a tool for organizing cash flows. You are, in essence, a CEO on a smaller scale who is taking steps to ensure your company’s (or family’s) cash flow is monitored each month. In this article, we’ll cover five of the most commonly asked questions with regards to budgeting, and show you how it really is possible to save money, pay off debt and...

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Are you and your partner financially compatible?

Posted by on Apr 9, 2013 in Uncategorized | 0 comments

When we meet a new partner, we chat with our friends about physical, emotional and spiritual compatibility.  But have you ever thought about financial compatibility? To some this may sound a little crass and I am sure to everyone else not very romantic. No longer is it the responsibility of one spouse to look after the finances of a couple, instead the responsibility is shared by both partners. Therefore, as a couple becomes more serious, issues of financial compatibility will creep in to the relationship. Understanding your partner’s...

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Ten Things Better Than Money

Posted by on Mar 19, 2013 in Uncategorized | 0 comments

Money does buy happiness, but happiness also creates wealth. A recent Gallup poll, quoted in an American newspaper, found that “well-being rises with income at all levels of income, across countries.” In other words, as the article’s title states, the poll proves that “Yes, Money Does Buy Happiness.” Except that it doesn’t prove that at all. What the study actually discovered was a “strong correlation” between each nation’s real Gross Domestic Product per capita and the sense of...

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Some helpful tips for borrowers

Posted by on Mar 12, 2013 in Uncategorized | 0 comments

Sometimes people get in over their heads. They rack up so much debt that they’re unable to make consistent interest and principal payments. When you’re late or unable to make payments, your credit rating suffers. This reduces creditworthiness, and ultimately, it inhibits your ability to access financing. The good news is that there are things consumers with less than stellar credit can do to improve their standing among lenders and to rebuild their credit score. In this article, we will look at techniques you can use to improve...

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Learning the Value of Money

Posted by on Feb 26, 2013 in Uncategorized | 3 comments

When it comes to teaching teens about money, it is often viewed as a problem that is “too hard”. Yet , it is difficult to imagine a skill more important than proper money management in an era when credit card spending on ‘branded’ products is pitched directly at teens. Schools may teach mathematics and accounting, but the practical aspects of managing an escalating mobile phone bill can seem completely at odds from these traditional topics. Alongside this, with ‘hole-in-the wall’ banking and the increase in online transactions it...

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13 Great Motivational Quotes

Posted by on Feb 19, 2013 in Uncategorized | 0 comments

Here is a list of 13 motivational quotes to inspire you:   “Cherish your visions and your dreams as they are the children of your soul, the blueprints of your ultimate achievements.” Napoleon Hill   “The key to success is to focus our conscious mind on things we desire not things we fear.” Brian Tracy   “Success is getting what you want. Happiness is wanting what you get.” Dale Carnegie   “Obstacles are necessary for success because in selling, as in all careers of importance,...

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Does money buy happiness?

Posted by on Feb 5, 2013 in Uncategorized | 0 comments

Money does buy happiness, but happiness also creates wealth. A recent Gallup poll, quoted in an American newspaper, found that “well-being rises with income at all levels of income, across countries.” In other words, as the article’s title states, the poll proves that “Yes, Money Does Buy Happiness.” Except that it doesn’t prove that at all. What the study actually discovered was a “strong correlation” between each nation’s real Gross Domestic Product per capita and the sense of...

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Set Your Financial Goals for 2023 Today

Posted by on Jan 23, 2013 in Uncategorized | 0 comments

Research shows that financially successful people are people who set plans. I recently conducted surveys with the self-made rich and found that the more financially successful you are, the greater the likelihood that you’ve set personal financial goals to help you achieve that success. The data also shows that highly successful entrepreneurs are about three times as likely as ordinary people to write down their goals as a way of motivating themselves to keep achieving. As the saying goes, “Nothing measured, nothing...

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Tips on using your credit cards

Posted by on Dec 18, 2012 in Uncategorized | 1 comment

Credit Cards – sure, you’re familiar with these magic plastic cards – it’s money readily available, but how much is it costing you? You use them for all types of household and family items … groceries, petrol, dinners out and more. You get the statements every month. But how well do you really know your credit cards? Credit card companies are in trouble. Since more and more people are defaulting on their debts, they’re making everyone pay for it by changing their terms, making carrying debt more costly. The more you...

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Using Credit Cards to Your Advantage: A Beginner’s Guide

Posted by on Dec 11, 2012 in Uncategorized | 0 comments

Credit Card Spenders vs. Credit Card Haters There seem to be two dominant attitudes regarding the use of credit cards. On one hand, there are “The Credit Card Spenders,” i.e., those who view credit cards as “easy money.” They treat credit cards as a means of extending buying power beyond earned income, usually to purchase things they want but can’t afford at the time. On the other hand, there are “The Credit Card Haters,” i.e., those who are aware of the financial danger that credit cards pose as a result of their high interest...

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Happiness doesnt have to cost a lot…

Posted by on Nov 20, 2012 in Uncategorized | 0 comments

As the saying goes, the best things in life are free. Here are some easy and affordable ways to be happy. Happiness means different things to different people, but most of us try to fill our lives with this quality as much as possible. Of course, retailers and marketers the world over have used this basic tendency to unmercifully manipulate consumers with a promise of happiness that will come with the purchase of their products. However, everyone knows that while goods and services can certainly improve the quality of our lives, they...

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Listening to Complainers Is Bad for Your Brain

Posted by on Nov 13, 2012 in Uncategorized | 0 comments

Do you hate it when people complain? It turns out there’s a good reason: Listening to too much complaining is bad for your brain in multiple ways, according to Trevor Blake, a serial entrepreneur and author of ‘Three Simple Steps: A Map to Success in Business and Life’. In the book, he describes how neuroscientists have learned to measure brain activity when faced with various stimuli, including a long gripe session. “The brain works more like a muscle than we thought,” Blake says. “So if you’re pinned...

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Reducing your bills

Posted by on Nov 6, 2012 in Uncategorized | 0 comments

What can you do to bring down the cost of the bills that can be relied on to eat away at your hard earned money, every single month? Rather than moving house and leaving no forwarding address or just throwing up your hands in despair, consider some of these tips Water bills As you are already aware, the less water you use the less your bill will be. So instead of simply just showering for shorter periods and looking for basic ways to reduce your water usage manually – why not invest some time in ensuring your household becomes more water...

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Understanding Debt: Good & Bad Debt

Posted by on Oct 23, 2012 in Uncategorized | 0 comments

Being smart about debt is vital to having a healthy flow of funds into wealth creation. A diet of bad debt drains your financial health, but good debt can help keep finances fit for the future. Before you can work out which debt diet you are on, or if it is a mix of the two, make sure you understand the difference between good debt and bad debt. Good debt Good debt is debt that over the long term can help you create more wealth. It does this primarily by giving you the financial capacity to invest in assets that have the potential to grow in...

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The work / life myth

Posted by on Oct 9, 2012 in Uncategorized | 0 comments

It may come as no surprise to you to hear that full-time working women are finding it more difficult to achieve work/life balance than men. Nor will the fact that the problem’s actually getting worse come as much of a shock.. But you may be surprised to hear that both men and women are donating, on average, an additional 17 days a year to their employers, due to the work they’re taking home. The ability to work from home was supposed to increase the amount of time we have for other things. And recent Australian government policy...

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Fixing credit card debt problems – Part 3

Posted by on Sep 25, 2012 in Uncategorized | 0 comments

10. LAST RESORT BANKRUPTCY This really only works to your advantage IF you don’t own real estate, shares, etc. IF you own property you may be forced to sell it all up when you go bankrupt. The period of your bankruptcy in Australia is generally three years but they can extend this if they believe you have not made a genuine effort to satisfy your creditors BUT it does stop the generally unpleasant bill collectors dead in their tracks. There is a permanent record kept of your bankruptcy called the National Personal Insolvency Index...

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Fixing credit card debt problems – Part 2

Posted by on Sep 4, 2012 in Featured | 2 comments

5. HOW MUCH DO YOU REALLY OWE? Total the money you spend each month paying off those credit cards – wow – wouldn’t it be great to have that fun amount to play with every month. Well that’s what you will have once you get rid of that accursed debt. Be single minded about this. Think of all the good things you and your family could do once a little bit of time passes AFTER you pay off those accursed things. And you could pay cash for them – not value plus 18 to 22%. Other people do this so why can’t...

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Fixing credit card debt problems – Part 1

Posted by on Aug 28, 2012 in Uncategorized | 0 comments

This is the first of a three part series on how to fix your credit card debt problems.   1. ESCAPE COMPULSIVE CONSUMERISM Refuse to spend any more money and try and catch up. Become a non consumer – try everything you can NOT to be suckered in to the consumer society. Make it a new sub religion. Don’t consume any more than you absolutely need to survive. Ignore all the ads on TV – endless aren’t they? – that are there just to entice you to spend money and add to your credit card debt. Watch non commercial TV...

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How long could you last if you had less income?

Posted by on Jun 19, 2012 in Uncategorized | 0 comments

There is plenty of negative news around at the moment. Governments are shrinking the public service, power bills are rising and many companies are reducing staff. Looking overseas, times are tough in the US and Europe and we are fortunate that we don’t live in Greece or Spain. So, how long could you last if you found yourself having to cope with less income? What have you done to protect your personal economy from the vagaries of the world economic situation? Once upon a time, the standard answer to the no-money dilemma was to borrow...

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It’s not always about money

Posted by on Jun 5, 2012 in Uncategorized | 1 comment

If there’s one thing that usually gets neglected when it comes to talking about personal finance, it’s this: it’s not always about the money. Not surprisingly, people make a lot of decisions that relate to money based on how much things cost, how much they could potentially make, or both. So of course those things get talked about a lot. But after a certain point (the point where you’re not stressed out about where you’ll be living next month and whether or not you’ll have food to eat on a regular basis) money doesn’t have to...

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HOW MUCH IS ENOUGH?: The 4 consistent qualities of enoughness

Posted by on May 22, 2012 in Uncategorized | 8 comments

Enoughness” doesn’t mean voluntary poverty—it means discovering who you really are. At a conference on alternative economics, I happened to sit at dinner with a man who had done our New Road Map Foundation course, Transforming Your Relationship With Money and Achieving Financial Independence. He told me this story about his own struggle to discover just how much was enough for him. From time to time he goes to a rural monastery for a silent retreat. Meals are provided by the monks. The many acres of wooded land are laced with walking...

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Have your circumstances changed?

Posted by on May 15, 2012 in Uncategorized | 8 comments

As unemployment rates rise across the world, and the likelihood of widespread redundancies increases, we suggest that you take steps to protect your financial well-being. For those who are feeling unsettled by the recent spate of ‘lay-offs’ and are genuinely concerned about their job security the first course of action should be to put a away some wages away just in case. With all that is happening in the economic landscape, no-one wants to be involuntarily out of work and/or be faced with prospect of looking for work in a very tight...

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Cut your credit card interest

Posted by on May 11, 2012 in Featured, Portfolio | 16 comments

Are you caught in a cycle of credit card debt? Here are some tips for bringing your balance under control. For cardholders who carry an outstanding balance from one month to the next, credit cards have become an expensive form of debt. It is easy to convince yourself that you are are paying off the balance each month, but the average account balance crept up from $3249 at the end of 2010 to $3309 at the end of last year – so many people are not as diligent as they think. Research group Canstar has tracked the change in credit card rates in...

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Working too hard and need a break?

Posted by on Mar 6, 2012 in Featured, Portfolio | 4 comments

Sometimes it’s obvious we need a break, but in most cases we figure it out too late. When you work double-digit hours and Sundays are no longer a day of rest, feeling overworked can become the new normal. Even so you’ll eventually hit a wall, and when that happens it can take days and even weeks to recover the enthusiasm, creativity, and motivation you’ve lost. Fortunately a few of the same techniques endurance athletes use to detect the need for additional recovery can be used to indicate when you need to recharge your work batteries....

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How to get an extra $935 each year towards your first home

Posted by on Feb 21, 2012 in Featured, Portfolio | 5 comments

Do you know about the government’s First Home Saver Accounts? First home saver accounts are designed to assist Australians 18 years and older to save for their first home. The accounts are offered by a range of banks and credit unions. The first home saver account is a government initiative designed to compliment the existing First Home Owners Grant scheme. Features of First Home Saver Accounts: The Australian Government contributes 17 per cent on the first $5,500 (indexed) of individual contributions made every year. For example, if you...

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7 Steps to Incredible Personal Productivity

Posted by on Feb 14, 2012 in Featured, Portfolio | 4 comments

Here is some practical advice to turn an average workday into an incredibly productive day. Occasionally you need to go the extra mile. Sometimes you need to complete a major project, tackle a task you’ve put off, or just knock out a ton of work in one day. Here’s the best way to turn a normal workday into an incredibly productive workday: And then you can apply the successful tricks to your normal day and get more from it every time. 1. Let everyone know. Interruptions destroy focus and kill productivity. So are the guilt trips your...

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Self-employed – can you get a loan?

Posted by on Feb 14, 2012 in Portfolio | 1 comment

It doesn’t matter how much you earn or how regular your income is: if you’re self-employed, that’s one more hoop you’ll need to jump through when applying for a home loan. That’s not to say all self-employed borrowers will struggle getting finance. It just means you might need to work a little bit harder and pay close attention to the details. No matter what else, to boost your chances of getting an approval, you’ve got to make sure you know your numbers. Sit down with your broker or lender and establish what taxable income level...

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Make sure you don’t leave empty handed

Posted by on Jan 31, 2012 in Portfolio | 2 comments

If, after inspecting a house during open house or a private inspection you decide you are no longer interested in that property, make sure you at least leave with something of value. That doesn’t mean the flat screen TV but take the details on another deal the agent may have in the area. If you just walk out, which is what most people actually do, it is a wasted opportunity. You have had some face-to-face time with the agent, which is rarer than it has ever been with the internet now playing a huge role in selling property. You need to ask...

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Don’t be a scam victim

Posted by on Sep 28, 2006 in Blog | Comments Off

If you don’t want to be duped or ripped off, stay alert to these latest scam trends. NSW Minister for Fair Trading, Anthony Roberts, helps identify the biggest scams around at the moment and what you can do to avoid becoming a victim. Internet and mobile phone scams are the most cost-effective method for con artists. “The days of receiving a dirty old brown envelope with a Nigerian stamp on it are almost gone,” Minister Roberts says. The most effective SMS scams invite and engage users to respond to a competition or products such as...

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