Most of us face a cash crunch every now and again and this can cause anxiety. Many of us receive a steady pay check however those who don’t have a stable source of income often wonder whether there will be enough in the account to pay the bills at the end of the month. Cash […]

The key to cash flow is knowing what’s coming in and what’s going out! For many of us, what’s coming in is fairly steady. We’ll take a look at managing cash flow for self-employed, contract or part time income next time. That leaves us with what’s going out … expenses. The most important piece of […]

Why isn’t there enough money in the bank account at the end of the month? In today’s age of debit and credit cards, it’s easy to access money to pay for things. When cash was it, there were either dollars in your wallet or not! This means that it is doubly important to have a […]

I’m wrapping up a week of single parenting while my other half traipses around China visiting Shanghai, Shenzhen and Hong Kong. While I don’t envy the 15 hour flights and managing the 12 hour time change, he is staying in some lovely hotels and is without the regular ‘routine’. I’ve had a great week with […]

How do you live on a tight budget? A tight budget means there isn’t much to spare at the end of the month. Expenses may equal or be very close to household income. There are varying degrees of a tight budget. Necessary expenses take up the majority of or all of your disposable income You […]

What I learned from a group of young women about budgeting. Sure I was there to lead the discussion but I learned some things and remembered some tips from years ago. Living on a tight budget is sometimes easier. This may sound ridiculous but there’s some logic to it and here’s why. Lifestyle expectations must […]

It’s tax time……do you procrastinate? I don’t think anyone likes doing their taxes, particularly if you think you owe money. For most of us, it’s never as painful as imagine. Tax software makes completing taxes very simple and straightforward….essentially data entry. If your income taxes are basic, it may take no more than 1 hour to […]

Tips and tricks to spend without guilt. How do you do it? There are many expenses such as ‘needs’ that don’t attract guilt. They may cause anxiety but the thing is that we need them ….. right? That’s the big question. Knowing the difference between needs and wants and making wise choices. Shelter and food […]

Do you feel guilty about what you spend? Maybe both. The way we think and feel about money can be very different for women and men. The psychology of money. To have your personal finances under control can mean a great sense of power. I’m not talking about being ‘rich’ but having confidence that you […]

Or is your money in control of you? Ladies, it’s time to take charge! Money is a tool which we all use to varying degrees. Some people can live on very little, some enjoy extravagances and indulgences while the majority work hard to make ends meet.