Cash is the most value-defining version of my money that I have. What do I mean by this? I could have $50 in a bank account, a $50 cheque, a $50 gift card or $50 cash. They are all valued at $50, but I treasure cash. There’s something in the way it feels, it smells.… Continue reading Flash your Cash!
Going back to work after a long time off always reminds me to appreciate my holidays. Unfortunately, this epiphany always arrives on the first day back at work (funny that, eh?!). This morning, I got up early, (after four weeks of sleep-ins I cannot stress how hard this simple task was). I had the nervous,… Continue reading Appreciate the Small Things
Usually on the night of New Year’s Eve, I spend time reflecting on the year’s achievements. I think about adventures I had, the friends I made, the hardest challenges, and the saddest moments. I usually do this with friends and family, sitting around with good food, sharing stories and laughing. There is a moment however,… Continue reading A New Year’s Reflection
I’m sure you have all heard about the Pokémon craze sweeping the globe at the moment. I’m sure most of you have downloaded the app and are furiously venturing out to a nearby body of water to catch Zubats and Pidgies. In fact, I’m sure many of you could tell me how many you have… Continue reading What’s all the craze? Pokémon!
I left my previous job in January and I have received the final payment of my holiday pay – a sweet 3,000 clams. But, the question is: what do I do with it? My heart is pulling me in 3 directions: Save it for my home deposit! This is most logical, prudent thing to do. And don’t get… Continue reading My $3,000 Windfall
When I first moved out, I started receiving advertisements for credit cards. It was everywhere, in the letterbox, on my email and most of all, on Facebook. The information the Facebook gathers about its users is frightening. I had posted university graduation photos and information with #movingout tagged and I started seeing promoted posts for… Continue reading Get ready for the Credit Onslaught!
This article is dedicated to all the good interest out there and how it can benefit you! We can all think of ‘bad’ interest examples: – Credit card interest – Mortgage interest – Interest due on purchases In short, bad interest costs us money. But there is also a good type of interest. What is interest?… Continue reading Good Interest and Bad Interest
These are my 3 phases of saving: Super Motivation Phase When you first start saving, you are ‘in the zone’. You read all the saving tips, you forgo the heating in winter, you chew slower to make your dinners last longer. Anything to save a buck! The Horrible Middle Phase You have been saving a… Continue reading The Three Phases of Saving
So, let’s talk about budgeting. And no, I don’t mean acting like a sniffer-dog tracking every cent… I was having coffee with a friend of mine when she told me she didn’t need to budget. “I know what I spend. I have it all under control. I don’t need a budget, I have no debts”.… Continue reading Looking Forward
I always make sure that my spare tire is inflated. I always make sure I have puppy poo-bags at the park. I always make sure I have long-life milk in the pantry. I always make sure I have another toilet roll in the bathroom. There are things I always have on hand should I be… Continue reading It’s time to Backup!
I think we have all said this: “I want money for a home deposit” Is it ever successful? It certainly wasn’t for me. I didn’t know how I saw going to achieve it. I didn’t when this goal would be accomplished. I didn’t know where the savings would go. This kind of goal sounds more… Continue reading Setting Goals
One of my favorite ways to motivate myself to save is to think about the value of a $10 note. I am not talking about its monetary value (that’s $10 by the way), but what it is worth to me. For example: $10 could buy: 6 eggs, 2 Litres of Milk, 5 Bananas, 2 Apples, Box of… Continue reading The Value of $10