budget

Moving up the Financial Success Hierarchy

Moving up the Financial Success Hierarchy

Where are you on the Financial Success Hierarchy?  Have you completed all the levels?  Are you on your way? No one is born knowing about money.  We are very likely to have picked up our biases and beliefs from how others  behaved around us when we were growing up.  These ingrained “truths” can sabotage us in many ways and we may not achieve the financial futures that we could and should.  Overcoming your blocks around

Is thrift coming back into fashion?

Is thrift coming back into fashion?

Call me a tight-wad, but I have always enjoyed being a bit thrifty.  Whether it be scraping that last little bit of sauce from the jar before I open the next one, or my “fashion” items from the ’80s that still like to wear occasionally,  I like to get the most out of everything before I am done with it. I suspect that the seed was sown by my parents.  As children of the second

The Art of Mindful Spending

The Art of Mindful Spending

I am coming to the conclusion that there are just too many things to buy these days.  Add to that the ease with which purchases can be made (on-line, tap your card, on your phone) and it results in a situation where it can be very easy to lose control of your spending. Financial planners are reporting more and more approaches from prospective clients who are unable to make headway in their lives due to

An Easy Win

An Easy Win

As a strategic financial adviser, I am always looking for opportunities to make a difference for clients that do not necessarily involve the purchase of a financial product.  In many cases, the simplest of advice can make a big difference. It is surprising how often people are carrying debts whilst having savings at the same time.  If this is you, it is a good idea to check whether this is placing you in the best

Reduce the mortgage or contribute to super, that is the question

Reduce the mortgage or contribute to super, that is the question

Out of the blue you receive a cash windfall, it is a decent amount and definitely extra above what you need to meet your normal living expenses. You decide not to blow it on some luxury treat for yourself and to put it to use to improve your financial situation. But which would be the best choice, put it into the mortgage, or into super? The answer, as with most things in financial planning, is