Smart Goals Keep Us In a Box. Find Your Purpose and Be The Box Waking up on a cold frosty winters morning struggling to get out of bed. I wonder why I am going to work today. Have your ever had that feeling? We often overestimate what we can do in a year and underestimate what we can achieve in 5 years. We need…

Life is for Living! Budgeting, saving and investing often seems like it makes life less fun. Saving can be difficult. Keeping a grip on our finances can be hard at the best of times. Saving sucks! The temptation to overspend our money on going out or buying presents for friends…

Saving sucks! Do you ever feel you work hard all week and have nothing to show for it? Like you have more month at the end of the money rather than the other way around? Then you need to pay yourself first. This sounds so simple (and could take you less than an hour of your time) but so many people are not doing this! Pay Yourself First Paying yourself first means paying yourself before anyone else. The problem is not how much we earn; it’s how much we spend, ending up with nothing to show for it. Why are you working? You are working to give yourself and your family a better life.

Any world-class football team whether it was Man United (1999) or Brazil (1970) had great individual players but ultimately it was the team and the combination of these players that made these teams so great. …

The Three Laws of Money Accumulation: The financial plan used to be easy. Finish university debt-free, waltz into a job for life, buy an affordable house and finish the last day of work with a handshake, a carriage clock and a guaranteed income for life. Generation X’s plan was also simple. To buy property, maybe two…

Have you ever bought a cake and looked forward to eating it all day. Imagine getting home from work and seeing that scrumptious chocolate cake you were looking forward to devouring had a big bite taking out of it. …

Three Ways to Reduce the Risk you Take with your Money A ship is safe in the harbour but that’s not what it was designed for John A Shedd (1928) Imagine owning a sailing ship in the 17th Century. The aim of the game was to move cargo from A…

‘Be fearful when others are greedy and greedy when others are fearful.’ Warren Buffet Is the Market just a Crazed Lunatic? Are you Investing or just Speculating and how to spot the differences in today’s market? Humans are not always rational and are more driven by emotion than they realise. Think of some of your work colleagues or family members. Do they always act rationally? They are driven by different parts of…

The seasons are beautiful. The sound of the ocean lapping against the sand is evidence that order exists in nature. The seasons are both segments of time and states of mind. Though our word for seasons refers for sowing and used to mean only spring, every culture has its terms…