Create Financial Joy
How To Create A Christmas Budget And Avoid Being Broke In January – Ad The Christmas holiday is a great time to relax, enjoy and catch-up with friends and family. It is also a time when the culture of today dictates that people spend money and lots of it! One thing that doesn’t help with… Read more
How To Improve A Poor Credit Score To 800+ For Good When I went to biz school, I recall one of my professors always said: “Money flows from one place to another looking for where it will get looked after”. What he meant was that money moves around and tends to stay where it is… Read more
5 Ways To Motivate Yourself To Budget Consistently “Success is neither magical nor mysterious. Success is the natural consequence of consistently applying basic fundamentals” – E. James Rohn. Consistency is closely related to perseverance, an important quality for doing the money journey well. The above quote closely captures my exact thoughts when I think about… Read more
How We Live Well On A £50 A Week Food Budget (Family of 4) The food budget is one area that most people find difficult to challenge for savings. Whilst chatting with a friend, she mentioned to me that her food budget is £200/week. I nearly fell off my seat because we live on a… Read more
Budgeting Tips For People With Irregular Incomes If you tend to spend more than you earn, you’re certainly not alone. Research shows that people who do so are more likely to dip into their savings or rely on credit cards monthly. This problem is compounded if you make an irregular income monthly due to the… Read more
How To Budget And Save On A Low Income The last time I wrote about my philosophy on saving money, a couple of people replied and asked how they could make enough to save in the first place. This has led me to consider how one can budget and save on a low income. I… Read more
For a budget to work for you, it must be able to help you achieve your specific and measurable goals. Afterall, that is exactly what budgets are for. I come across people in my coaching sessions who set themselves goals they’d like to achieve, but without strategies or tactics to make such goals a reality…. Read more
Budgeting is boring. Fact! Who wants to budget when there is the option to point at anything we want and say “I want that one!”. Our son, Elias, would like a life-sized lightning McQueen car with the wheels in candy red and with matching outfits. As much as buying this for our son will temporarily… Read more
I was bored and got browsing through a forum the other day and was astonished to realise that there were 3.4million people online talking about one subject: Debt. One of the top recurring reasons for why people are struggling to get rid of their debts in due to their inability to stick to budgets…. Read more
