My ‘Unhappy Birthday’ Surprise

It’s March already which means I’m having yet another birthday very soon (I’m clinging onto the 50’s but only just!). What do I want for my birthday this year? Not much really, but what came my way could have left me with a rather unhappy birthday. Every one of us experiences what happened to me so I thought I would …

Debt Consolidation – Opportunity to Smash Your Debts

I often come across people who are using debt consolidation to get out of a debt faster. They have refinanced their mortgage to a lower interest rate and at the same time have ‘consolidated’ other higher interest rate debts such as Credit Cards, into their mortgage. If you have used my DebtBuster software you will have seen the power of …

Debt Rules

If the response to my last blog is anything to go by it appears that many people are keen to make a change for the better with their finances starting right now. It also appears that debt is a major concern to many people. So today we start looking at the simple steps you can take to reduce the debt …

Financial Success in 2016

I’m sure astronomers have failed to report that the world’s orbits around the sun have started accelerating! We’re roaring into the second half of the decade and 2020 is really not that far off! Early in December 2015 I was feeling like I needed a break. Instead I installed a Swimming Pool in my back yard and fenced and paved …

What is the value of a car?

What Is Your Car Worth? It never ceases to amaze me how much people spend on the purchase of a car. There is a general rule of thumb that says you should not spend more than two months income on a car. Clearly this rule is either not known widely enough or it is just being ignored. If you follow the …

Have you got a legal will and your affairs in order?

Here is a story that will either make you feel very comfortable because you have a legal will and your affairs in order, or if not, I hope it will shock you into action! (I’ve changed the names for privacy reasons). Frank was getting older and was single due to a divorce. He decided to help his son Bill get …

Have you ever used the Envelopes System?

Have you ever tried using the ‘Envelopes’ system in an effort to have money available when your bills arrive? Your grandmother may have used a similar system but with jam jars used to store money instead of envelopes. Whether it’s jam jars, envelopes or even bank accounts, this system has some merit but it actually requires you to spend way …

Spending Planners

Have you ever looked at the state the world is in and just shook your head? Have you ever thought you’d like to help change the world but had no idea what to do or where to start? In an email I sent out earlier this year I announced I was going to create a new profession called ‘Spending Planners’ …

Multiple Streams of Income

One of the principles I encourage people to apply is to always be on the lookout for ways to generate additional income. Just because you have a job doesn’t mean you have to limit yourself to that job’s income. At last count I think I had earned money in over 35 different ways since earning my first pocket money doing …