Did you know that financial stress is as common as mental ill-health?* Yet we speak about our money worries even less than we speak about emotional struggles. Money is still a bit of a dirty …
The Forgotten Budget Category that Costs Thousands
Almost every free budgeting spreadsheet that I have seen omits a category that many Australians spend thousands of dollars on each year. Some years it might be very little but in other years it can …
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Planning for variable expenses
When something is uncertain we can use a buffer to smooth the impact of the variability. Since internet speeds fluctuate video streaming services buffer the download to provide us with a smooth …
Not if, but when we go to Hamilton
My daughter loves the musical Hamilton. Listening to her sing along at the top of her lungs fills me with joy - I choke up and my eyes leak. Yesterday we were in the car singing along and she began …
How to minimise unforeseen expenses
Do you feel like every time you get ahead with your savings something comes along and causes you to dip into your savings, or worse to go into debt? This is a very common frustration. As I …
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Spending less isn’t as bad as we think
For a while there I was probably spending at least twice what I used to spend when I was a University student, even after adjusting for inflation. But I wasn't twice as happy. What's going on …
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