Reduce Expenses By Making Lifestyle Choices

Reduce Expenses By Making Lifestyle Choices

We have the most fun when we write this section. Why? Because we think it could significantly improve the amount most people can save. The reality for most of us is our income is relatively fixed. If you earn a monthly salary, well that’s it. Unless you are promoted, get a salary increase, or find a better paying job, your income is relatively fixed. You don’t automatically earn more by working more – but this could be

Your Resume and You

Your Resume and You

Firstly, and ironically, your resume is not about you…confused? Yes, it is your resume and the content refers to you, but it is not written for you: it is for a prospective employer to evaluate you and your fit for a particular position. Put yourself in their shoes and ask, “what would they be interested in knowing about me and my ability to do this job”. Do not include any extraneous material that is not directly addressing what your

Brief Thoughts for Young Earners

Brief Thoughts for Young Earners

So you’ve finished university or just out of school, what’s next? Assuming no more studying, then most likely you’ll be trying to get a job and start earning money. Your priorities will be different when compared to someone who has been working for a while and has started a family. In later posts we’ll explore what financial matters could impact your financial health, but for now, we’ll start by just outlining a few points, in no

Career Management – Essential for Financial Security

Career Management – Essential for Financial Security

We debated for a while whether to include a career management section in the website, and ultimately we decided we must because managing your career is a critical component of financial security. Having stable, steadily progressive employment is the major way most of us grow our level of income and savings. From the various resumes we have seen, including discussions with innumerable persons, we can conclude with reasonable certainty that people generally do not manage their career. The evidence

Creating Your Budget (33/33/33)

Creating Your Budget (33/33/33)

This is the fourth in a series of six articles in which we cover how to create a budget. The previous post Use Cari$ Budget to Pull Everything Together covered how to use a spreadsheet to enter the data you’ve gathered, as well as projecting for twelve months. Here, we show you how to take the next crucial step. If you’ve pulled together all of your income and expenses for a twelve month period, congrats! You have made considerable progress towards

Use Cari$ Budget to Pull Everything Together

Use Cari$ Budget to Pull Everything Together

This is the third of six articles in which we cover how to create a budget. The previous post, Gather Data for Your Budget covered what information you’ll need to have on hand, and now we’ll show you how to use the data. Ok, so you’ve been good and gathered a couple months of data; now let’s use that to get the 12-month picture we explained before. Check out the Tools section; you’ll notice we’re using Excel (i.e. a type of

Build an Emergency Fund

Build an Emergency Fund

You would have noticed one of the steps to financial freedom is building an Emergency Fund.  Notice it is capitalized.  Why? Because it is important. So, what is it?  Very simply, it is a pool of money saved for a rainy day i.e. an emergency.  And we don’t mean the sudden deep desire for a new phone, tv, or hand bag.  These are all discretionary (avoidable) purchases and not emergencies.  The focus here is an

Financial Plans – A Practical Approach

Financial Plans – A Practical Approach

Let’s try to summarize what are the broad steps you could take to achieve financial freedom. We believe there are two approaches: the “right way” and a practical one. Before continuing, you should remember: A personal financial plan is just that, personal.  Each person’s circumstance is different and will require a different (sometimes radically different) solution.  You should consider if your circumstances require more expert advice i.e. do you need an advisor. This does not mean

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