Category Archives for Spending

Needs vs. Wants

Today, we’re continuing to look at where you are with your current spending habits. We’ve been through identifying what your spending is (there’s a handy transaction list). In the last post, we looked at our needs and discussed how we can reduce the costs of some of those items as much as possible.

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What’s your financial priority

Today, I want to start talking about your spending habits, and your priorities around spending. Particularly, let’s looks at your needs and your wants.

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Where are you spending?

In an earlier post, I spoke about using Google Maps as an analogy. If you’re not sure where you’re going, the first place you actually need to look at is where you are right now. With your spending, you need to know where your money is going. First, look at your current expenses. That means going through your bank account statements to see what your spending on.

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The reason why budgets fail

Today, I’d like to talk about why budgets fail and the big issue around budgeting. This comes from my experience, and I know it’s the experience of many other people as well.

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The joy of guilt – free spending

Today I’d like to talk about the fun part that comes with having your finances in check: guilt-free spending.

I’ve shared some stories of my own and my client’s experiences of saving up for a holiday upfront instead of paying it all with a credit card. The latter usually results in being stressed about having to pay everything back afterward. That’s really the opposite of why you go on holiday, right?

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