Where are You?

Where are you? Have you ever been lost? Perhaps in a shopping centre or in a city you are unfamiliar with! It’s almost impossible to get to where you want to go if you don’t know where you are! You might get there by accident but otherwise you simply just get more lost the more you try to get ‘unlost’. …

What is Normal?

Hello again, I have an interesting question for you today…. What is Normal? At my Succeed With Money workshops I ask people to list what they think would be typical amounts for 20 common household expenses for a typical Aussie family. Things like Groceries, Car repayments, Butcher, Telephone, Electricity, Fuel, Insurance etc… all basic stuff. Then I ask everyone to …

It’s not WHAT you know but…..

I’m sure you’ve head the saying ‘It’s not what you know but WHO you know that makes the difference’. I’d like to suggest this one… ‘It’s not what you know but what you DO that makes the difference!’ Knowing how to do something means Diddley Squat unless you actually go and do it. E.g. Knowing how to make a profit …

Important Vs Urgent

Important Vs Urgent Last week my web-site was hacked by crooks trying to ‘phish’ information from unsuspecting European bank customers. How this happened is a classic case of Important vs Urgent. A number of people have written on this topic. Here is a quote from Dwight Eisenhower… “What is important is seldom urgent, and what is urgent is seldom important.” …

Time to take life changing action

Happy new (financial) year. This is the time of the year when many people get a shock when they see how much they earned last financial year (and get to ponder over where it all went). One of my staff members commented that her partner payed more in tax that she earned for the whole year. He works a FIFO …

Succeed With Money Workshops for YOU

It’s been a busy few days here at Simply Budgets with heaps of people responding to my last e-mail about ‘cutting your expenses without cutting your lifestyle’. I’ll have more about that in my next e-mail. The info is on my blog if you missed it. Right now though I am really keen to talk about a topic that has …

What Everyone Wants – It’s No Surprise!

Hello again. Something I have noticed over the last few years while I have been offering the Simple Wealth Steps program is that when people fill in the questionnaire I send out at the beginning of the course, almost without exception everyone tells me they want to get out of debt, stop living pay to pay and get set up …

Will we regret the changes to what information is stored in our Credit Files?

This week significant changes in legislation came into force (12/3/14) and in time I’m afraid you may regret the fact that this happened! I’m talking about changes to your YOUR Credit File? In the past, Australia has used a negative system where your credit history was a blank page unless you had missed payments. Only negative’s were recorded The changes taking …

Are Your Finances Between a Rock and a Hard Place?

Have you ever felt like you’re between a ‘rock and a hard place’ financially; where your financial choices and the events of the past have brought you to a place you’re really struggling with and you can’t see an easy way forward, yet on the other hand there is no easy way back either? I think we’ve all been there! …

Does bad advice like this make you cranky too?

Hi there, You know, I’m a pretty placid kind of guy but I do get a bit excited about personal finance and budgeting when the topic comes up. I have dedicated over 18 years of my life to creating software and products to help people improve their finances so you would have to agree there is definitely a passion there. …