Financial Crisis is characterised by a problematic financial position where all you seem to be doing is going from one financial problem to the next. Finances are tough. You are barely surviving from payday to payday. There is a strong sense of scarcity; there never seems to be enough and there doesn't seem to be any way out.
When my clients are in this stage, it is often all doom and...
Achieving financial freedom is not as difficult as you imagine - however, there are 3 absolute things you must DO and 3 absolute things you must AVOID to achieve it. If you write these down, paste them somewhere you can see everyday and then follow through, financial freedom is yours to have and enjoy!
Things You Must Do #1: Attitude
"Attitude" includes cultivating positive thinking,...
Bad spending habits is often the underlying cause that prevents most people from becoming financially free. However, the good news is: you can prevent this.
In my observations, shopping can be a very emotional experience. Retail therapy! Because women, in particular, are more prone to relate emotionally to life's experiences, they need to learn how to manage the emotional attachment to...
Recently, several people have asked me various questions about how to improve their writing. I love writing and I encourage anyone who wants to write to try. Many of you have amazing stories, valuable information to pass on to others, or dormant imaginations yet to be awakened.
WRITER'S BLOCK
Most writers experience writer's block at some time or another. Most of the best authors and...
Over the years I have extensively studied and used goal setting techniques and found that there are a few simple rules that help to make them work. These include:
Make a long list of all the things you want, and then prioritise them. Start working on just the first 3 or 4 items. When they have been achieved, cross them off and begin on the next ones.
If you list too many goals and try to...
I can still remember my first lecture in Management Accounting. The lecturer was introducing us to the concept of budgeting and at the end he made a little joke, which went something like this: "If your budget has turned out exactly right, you have either had an amazing stroke of luck or got it wrong!" Of course, what he meant was: budgets are not meant to be accurate. They are there as a guide...
A good money management program is successful if it's able to break a long and complex journey into manageable stages. People need to see progress, and it needs to be measurable.
Over the years, I have read as many books about money management as I could lay my hands on. A lot of them had the right answers but I could only follow them for a short time before people fell back into their...
The City of New York's Medical Examiner Report concluded that Heath Ledger's cause of death was "the result of acute intoxication by the combine effects of oxycodone, hydrocodone, diazepam, temazepam, alprazolam, and doxylamine". Recent investigations and medical warnings have concentrated on the lethal combination of prescription drugs such as narcotic analgesics and sleeping aids. However,...
By making a commitment to eliminate your debt, you are taking the first giant leap towards becoming financially free. Imagine the wonderful feeling of total financial freedom. No debts, no financial worries, and best of all not being tied to a job you don't like just to pay the bills. Research has proven that it takes three things to accomplish anything: Passion, Motivation and Accountability....
It is great that many people are now searching for good financial advice. With past generations, the typical financial advice passed down from parents to children was: buy a home, pay it off as quickly as possible and then - if you are really good at managing your money - buy an investment property.
Unfortunately, there are still a lot of people who think this is the safest and smartest way...
