Like most forms of ‘insurance’ the hope is that it’s never needed. Life dishes out some unexpected surprises and having a contingency fund provides piece of mind. How to build one? With so many demands on the paycheck it is hard to set aside funds when ‘just in case’ seems unlikely and far away. The […]

With two small children it’s debatable whether a long weekend away is a holiday. Mike doesn’t feel like his ‘batteries’ are re-charged. Not surprising when you reflect on the energy output it takes to pack us all up, go away and come back versus the actual R&R time achieved. The relax time is the easy […]