So, what IS a predictable expense?

In my last blog I spoke about taking control of what is controllable and I referred to a couple I’ve been working with who had an unexpected expense. I commented that this particular expense was not ‘unpredictable’, it had just occurred ‘unexpectedly’. So today let’s consider what is predictable. As far as I’m concerned, anything that is predictable should be controllable …

A Simple Rule To De-Stress Your Finances

Today I have something really simple yet powerful to share with you. One of my ‘Platinum’ clients is currently going through some financial challenges that were not part of the initial plan and they’re feeling a little distressed as a result. Part of the reason for these feelings is that since we started working together the financial stress has been almost …

How ‘Tax Deductible’ Savvy Are You?

Hi David, Happy New (Financial) Year! Very soon you will be receiving that annual document that shows what you earned for the last financial year and how much tax you paid. Most people who did not have a Spending Plan or a Budget for the last year will most likely say something like ‘Where did all that money go?” when they …

In Search of a Can(cer) Cure

My wife and I did a 7km walk yesterday afternoon as training for the Women’s Cancer fundraising campaign she is involved in. Apart from joining in on some training sessions I am donating $20 from each Pocket Pal children’s pocket money system I sell between now and July 31st. Order from www.pocketpal.com.au and $20 of the $24.95 price for each Pocket …

The Best Things in Life Are…

If you can’t be happy without money you won’t be happy with money. This is one of those seemingly contradictory comments, yet it is actually ‘spot on’. How many times have you said or thought that if only you had more money you would be happy! Money tends to amplify what is already there. If you are grumpy and troubled …

The Money or The House?

I was talking to one of my Simple Wealth Steps students last week and she told me about her friend who has just won the lottery. Her friend is 62 working full time and her husband is semi-retired. They don’t own a home and they lease a car. Not a good position to be in at retirement age! Anyway, knowing they …

I’d Choose Carrots Instead!

Today I’d like to ask you the question, “Are you in a place where common sense is being pushed aside and emotions are driving too many of your financial decisions?” Are you in a place where you know some of your financial choices are not in your best interest but you can’t stop yourself from making them anyway? Would you find …

How My School Students Attempted to Avoid Trouble

When I was a high school teacher it was part of my everyday activity to have to deal with trouble makers who set out to disrupt the learning of others around them. Since I taught workshop subjects that always surprised me but it was a fact nonetheless. I found there was a common series of excuses that a student who …

The Weekly Food Bill

Last week I spoke about putting things into perspective and I used a huge Ocean Liner to demonstrate my point. If you missed that you can get access to that and most of the e-mails I send out by going to my blog. Last weeks story is at https://www.simplybudgets.com.au/2015/03/24/massive-problem-or-tiny-blip/ Today I want to give you a bit more to think about …

Massive Problem or Tiny Blip?

I was in Hobart with my wife a few years ago on a holiday. We stayed in an apartment near Constitution Docks where the Sydney to Hobart Yacht Race ends. Once we had checked in we went for a walk around the wharves and were absolutely amazed at the sheer size of a huge ocean liner called the ‘Sapphire Princess’ that …