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Self Employed? Lets talk about money management.

Money habits are everything! Kissing the nine-to-five goodbye and becoming your own boss is a dizzying experience. The dreaming, the refining, the hustling, the self-promoting, the, you know, working! Let me tell you from someone who’s been there, it’s a lot. And then some. So trust me when I tell you one of the biggest…read more

Crafty ways to save cash

Lets start with GIFTS Is there a better feeling than spreading a smile across a loved one’s face? Chocolate, sex, even 90-minute massages have got nothing on helping your favourite people glow a little brighter. I’d figured it was my driving force behind forking out thousands on presents over the years. Birthdays, weddings, babies coming…read more

The way it really is

More jobs … more taxes … any speed-bumps ahead? Lets talk about the 2022 Australian budget and what it really means for all of us. This year the Government will collect a record $508 billion in tax from Australian workers, businesses and retirees. As more people join the workforce – and unemployment falls to 3.75…read more

Keeping up with the Joneses is stupid

Who doesnt overspend.. ? Keeping up with the Joneses is stupid.  Whatever happened to running your own race? Aussies put so much pressure on themselves to keep up appearances they are overspending, eating into their savings, and causing fights with their partners.  I think it needs to stop now. According to new research by Finder,…read more

Are you going backwards financially?

*If you’re not fighting inflation, you are! Is your wage keeping up with inflation? The simple answer is, very sadly, no. While our incomes have all stayed flat, or even went backwards during Covid, the price of living has gone up. Surprisingly, you CAN make inflation price-creep work for you. Let’s investigate! $8.80 for a…read more

The Black Swans are in flight

A “black swan” event is one that you don’t expect but one that you should account for. In finance, it broadly means something that nobody could have reasonably foreshadowed, but which has a dramatic impact on world economies and stock markets. COVID-19 is the classic black swan. Nobody could have, in all reasonableness, expected for…read more

Five ways to spend less on your grocery bill

Some of us shudder at Dad jokes. Others get clammy hearing compliments. But what makes me cringe? Tallying up all the money I’ve pretty much thrown away on groceries, that’s what. Thinking about the days I’d drop a pineapple on a wheel of cheese or buy my toilet paper in cute little blocks of four…read more

Take the money moral dilemmas out of your relationship!

Money is the cause of so many fights in relationships. Take the emotion out and get it down on paper. So, here are a few money moral dilemmas. I have some friends who are couples but aren’t on the same page when it comes to money. Of course, I will change their names, ages, marital…read more

Inflation – What you 100% need to understand

The delicate balance between inflation and interest rates A few months back I explained inflation … and that your personal inflation rate might be quite different from the official cost of living measure the Australian Bureau of Statistics puts out. But inflation is in the news right now because if inflation is rising, it is…read more

Let’s celebrate paying off our investment properties!

We often see couples celebrating in front of a house with a big “Sold” sticker. But I think we should be celebrating with “Paid Off” stickers. I am about to make the final payment on my first investment property. It’s only taken me 10 years to pay it off, and so I’m feeling very proud…read more

I’m a Stock Market Virgin

Hello, I’m Shelly Horton and I’m a Stock Market virgin. But 2022 will be the year that I pop my cherry and actually invest in the stock market. I’m 48 years old and I still consider the stock market gambling. But I’ve now got enough intelligent friends, family and experts telling me that in fact…read more

Where will your investment go when you do?

Don’t let the ghosts of your past mess with your afterlife – Get a will! *And you can forget about leaving your dough to Brad Pitt. There’s little doubt that at some time in your life, someone has told you to get a will. As you get older, people tell you all sorts of other…read more