Where did all the money go?

Hi again, I was just looking through some of the notes I have been scribbling down over time and found this little gem: The largest amounts of money disappear on the smallest of purchases! I think most people would agree with this. How often have you vaporised a wallet or purse full of money and had nothing to show for …

10 Reasons Why Budgets Fail – Reason #7

7. No way of measuring success. There is nothing more frustrating than worrying that you might be headed for money trouble but not really being sure if you are or not. In this situation, every financial decision you make has an element of fear and maybe even some guilt attached to it. People’s budgets fail them when they do not …

Shopping Centres don’t sell great memories – so why does our spending spiral out of control?

We are continually being bombarded with junk-mail and constant advertising. We are subject to mega-shopping complexes designed to lure us into parting with our hard-earned dollars using the credit cards cant afford to pay back. By ‘hanging around’ shopping centres where we unwittingly tormented ourselves by looking at all of the things being offered for sale we really can’t afford …