I hate filing but I hate not being able to find something more! Deal with every piece of paper as soon as you get it, make recycling easy and have a box at easy access, have an ‘in’, ‘bills’ and ‘filing’ tray, set a certain time in your week to empty the filing tray, never let the tray overflow, remove all paperwork each year, and label all files.
Your filing system will depend on the quantity of paper. Use A…..
This year I have had to contend with Chemotherapy for Bowel Cancer so I would like to dedicate this blog to tips to survive during treatments. Please pass them to anyone you know who is having chemo. Cancer Side Effects and how I dealt with them Listen to your body all the time – when to rest, what to eat, what to drink. Be as normal as you can, especially on good days. Be with people who are normal and…..
Tips to make your new year resolutions stick; Clearly define the goal – loose weight is not clear enough you should say “I want to loose 5 kilos” Set the time to reach your goal – “by the 25th May 2017” Talk about it – tell everyone you are going to achieve your goal and when. Celebrate you success If you don’t make it don’t give up – rework the goal and time line, learn from has happened and keep…..
Christmas is a time when we often spend more than we have. At the time we enjoy but later it becomes a regret.
Its not what you earn but how you spend your money that makes your rich!
Don’t buy what you can’t afford!
Ask yourself the following questions before you spend your money. Why do you want this item? Can you Afford this item? Is it a Need item or a Want item? Are you really Happy with the…..
Consider insurance as your fall-back plan in case things go wrong. Can you afford to replace the item if it was taken away? The onus to pay premiums is on the person taking out the insurance. When buying insurance consider the value, cost, terms, coverage, excess, and insurance company’s reputation. When you think you may make a claim contact the insurance company as soon as possible and keep in contact with them until fully complete. To reduce premiums maintain houses…..
We can all learn by taking a look at previous money decisions we have made and being prepared to change to improve your position. Regularly review all money contracts (including insurance, loans and credit cards) to ensure you have the best interest rates, flexible terms, suitable repayment amounts, benefits that suit your personal situation and appropriate coverage and inclusions. Watch out for hidden fees or terms on payouts or transfers. Like us on Facebook
Know the rules, keep records, understand YOUR tax position. Tax is payable on your taxable income, which is the total or gross amount you receive from all earnings less allowable deductions and rebates. If you know your marginal tax rate and at what level the marginal rate will change, it can help with decisions about pay increases and expenses which may be claimed as deductions. For a better tax return, lodge on time, keep documents, understand deductions you can claim,…..
A cashflow shows figures only when the cash has been through the bank account. We all have certain items that must be paid for at set times of the year, and it is important that these dates are not missed since there can be penalties and consequences. Understanding the timing of bills and managing them to best suit your income is not as difficult as it sounds. How much do you have now? Add income as it is received and…..
Budgeting is about goal setting. Turning chaos into control and achieving success. Budgets are the numbers behind the goals. Failure to plan is planning to fail. Goals should be Specific, Measurable, Achievable, Realistic and have a Time frame. If you do not achieve your goal in the specific time, you have the opportunity to review, identify the problem/s, learn from the mistakes and try try again – don’t give up. Getting started – first you need information – what happened…..
You cannot manage what you cannot measure. The Income and Expense Statement shows where your money comes from (income) and where you money goes (expenses). Keep income large than expenses. Stay in control – take time to review your statement each month, compare it to last month and last year and make decisions to change if and when needed. Remember most decisions in life have a monetary impact.
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