Renovating and Budgets | Personal Budgeting

renovation budgets

Your reno wish list might be limitless, but remember that your bank account isn’t!   Home renovations can soak up your spare cash like nothing else, therefore renovation budgets are imperative if you want to avoid unnecessary costs. Treat renos like a project. It’s up to you to ensure they come in on budget – because not doing so can be quite a costly lesson. You want your home to look fantastic and be practical for the whole family. But remember you should also consider which renovations will increase your property’s value. Renovation budgets assist people in deciding where best […]

More

Sort My Money Founder David Rankin features across national newspapers. | Personal Budgeting

Budget Tips from Sort My Money founder David Rankin We are delighted with the prominent media attention which Sort My Money’s award-winning personal and business budgeting services have attracted throughout Australia in today’s (Monday November 14th) Herald Sun, Daily Telegraph, Courier Mail, Advertiser, Mercury, Cairns Post and Townsville Bulletin. A positive message about how successful budgeting is really all about abundance through gaining financial control, peace of mind and empowerment… relevant to both income earners and business owners alike. MORE DOUGH: David Rankin is a budgeting adviser who suggests baking your own bread and brewing your own coffee are novel and […]

More

A Solution to your Resolution

It’s that time of year. You made your new year’s resolutions a matter of weeks ago, and now you’ve reached that make-or-break stage. Have they passed their expiry date, or are they still fresh? If the latter, you’re in with a chance. If they’ve gone stale on you, this might be the point at which you part company with them, for another year at least. Unless, of course, you’re prepared to look at – and address – the reasons why your resolutions have faded so quickly. In my experience, when it comes to setting a budget for the new year, the […]

More

It’s All In The Timing

Christmas and New Year is a period of relaxation and reflection for many people. Time away from work is a chance to take stock of the journey thus far and to take control of the road ahead. This sometimes involves making the decision to go it alone by starting a business in the coming year. As a Small Business Specialist and Bank Manager, I saw many businesses come and stay, and others come and go. There are a number of ingredients that go into a making a winning new business but, in my experience, the most important of these is […]

More

Santa’s Christmas Stock

We’re all familiar with Santa’s Christmas stocking. As discerning consumers, though, it would do no harm to make ourselves aware of the temptations of his Christmas stock too! The items I am referring to are of the bulkier variety – the ones that are too big to fit into such a humble garment of clothing; those unofficial ‘presents to self’, as opposed to the gifts we buy for other people. If we were to delay the purchase of Christmas presents for friends and family until the January sales on the basis of increased value for money we would, quite rightly, […]

More

The D Word

Words have the power to inspire. They also have the power to inspire fear. Like anything in life, it all depends on which way you choose to look at it. One word that tends to get a bad press is ‘discipline’. If you look no further than the process of discipline, enthusiasm will be in short supply. If, though, you focus on the wonderful outcomes that discipline gives rise to, it’s difficult not to be inspired. The Oxford English Dictionary defines discipline as ‘controlled behaviour’. Bringing discipline to bear on your money by controlling your day-to-day financial behaviour in the framework of a personal […]

More