The holidays are just around the corner and so is the new year!  Get a head start on your 2014 financial plan by taking one small but very important step. Think of 3 things you would like to achieve in the following time frames: A short term goal – 1 Year A medium term goal […]

It’s the time of year when we tend to indulge and treat ourselves, our families and friends to  special food, drink, celebrations and gifts. When the holiday bills arrive we open them with some trepidation and ‘gulp’, figure out how we’re going to cover it. Sometimes we make conscious decisions to forgo this to buy […]

Chatting to people about their holiday preparations can be interesting and I often get some really good ideas. Two people have mentioned how they don’t really like shopping and don’t consider themselves to be ‘shoppers’ but they both practice ‘strategic shopping’. I call it that because they take advantage of sales and fully stocked shelves […]