budget planner Archives - Page 32 of 34

5 expenditures you should be reviewing to save money this financial year

on August 4, 2019

As with the start of any new year, the start of a new financial year is a great time to save money by getting into new habits. Spending patterns naturally change as we move through different phases of our lives. It is important, though, to “clean out” our finances every so often, so that we are not accumulating financial clutter. If you don’t review your spending, you’ll be amazed at how many payments ‘fly below the radar’, outstay their welcome and become a drag on your financial progress. Insurance So, let’s start with insurance. Are you getting your money’s worth, […]

Budgeting for the School Holidays

on June 22, 2018

Budgeting with children School holidays are a great time for our children to relax and wind down after the excitement of the school term and often to venture out for fun family activities. But while school holidays can be memorable events, with children spending quality time with their parents, beating the boredom and entertaining children during this period can often hurt the budgets of Australian families. The school holiday period really doesn’t have to break the bank, though. A well-run budget benefits you, as the budget keeps you on track at a time when it is so easy to overspend. […]

When is the time to start planning for Christmas? Now!

on February 16, 2018

It’s that time of year when the kids are back at school, the summer holidays are already starting to become a distant memory and Christmas is starting to blur into Christmases of years gone by. In theory at least, life is getting back to normal. If, though, your Christmas was paid for on plastic, there’s probably nothing normal about the credit card bill or bills you are receiving about now. They can make for a stressful start to the year and have you wondering whether you will ever manage to break out of a relentless cycle of high-interest debt. By taking […]

Who’s Who in the Financial Zoo? | Budgeting Advice

on June 19, 2017

If there is something you don’t understand about your finances, or something you wish to change, you might well turn to an accountant or a Financial Planner (aka a Financial Advisor), as these are seen as our society’s financial oracles. The only problem with this approach is that the solutions they give you will have a narrow focus – reflecting their respective areas of expertise. Accountants are tax minimisers. Financial Planners are product specialists in the areas of investments (including superannuation) and insurance. So the solutions you get from them will be based on tax, investments or insurance. Which is […]

“I don’t earn enough to afford personal budgeting” | Seeking budget help

on May 4, 2017

As experts in both personal and business budgeting, we understand that’s it’s easy to establish and maintain some negative beliefs regarding money. One of the most common concepts we hear is, “I don’t have enough money to be able to save”, “I don’t earn enough to seek budgeting help” or “I don’t make enough money to be able to save any” – we hear these comments all too often from potential clients. When you’re not earning a large amount of money, or you have a lot of outgoings and expenses, it’s easy to feel like you’ll never save or reach your financial […]

Personal Budgeting is Not About Scarcity

on February 16, 2017

Many people associate a budget with scarcity, and that’s where they come unstuck. Once you understand that personal budgeting is all about abundance – and having an allowance for everything – that’s when it becomes fun. And, when it becomes fun, it becomes sustainable! An effective budget includes financial goals and aligns spending to those goals. For most individuals, general living expenses are the largest part of their budget and smaller amounts are set aside for long-term goals such as buying a home, starting a family, travelling or starting a business. Without a budget, it can be difficult to save […]