Renovating your home is probably one of the biggest financial commitments you’ll make, aside from buying your home in the first place. Done right, a home renovation can last you for many years and allow room to grow as your family does. When you are considering renovating your home it is very important you keep in mind both your current needs and any foreseeable needs for the future. Perhaps you
Almost everyone worries about the future, especially when it comes to finances. After all, everything costs so much these days and the ‘essentials’ of life have moved on a little from just food, shelter and clothes. Most people also consider utilities and technology as indispensible parts of their lives. Knowing what you want in your future informs the decisions you make today – you can only map out a clear
Your home is one of your biggest assets, and if you have recently moved into your home you might find yourself desperate to decorate. If you’ve been in your home a while, you might find yourself stuck with some nasty habits that involve overspending. Think about the amount of money you’ll spend over the course of your lifetime on your home, from mortgage repayments, water bills, rates, electricity and renovations
At the age when everything is done online and in the minimum time required, somewhere on the way home, between work and some relaxing time with the family, we have learned to do everything on the go. From ordering the groceries to be delivered to our door, to shopping online for books and audio self-improvement guides, learning languages and jotting down important thoughts and creating comprehensive ‘To-Do’ lists, we can
The cost of an education should be free, but unfortunately it’s not. In order to broaden our minds and our horizons, we have to pay something, and in a lot of cases that means getting a student loan and lumbering yourself with the rather dubious privilege of paying it back once you have graduated. Whilst the cost of paying a student loan back per month is lower than a personal
Petrol costs money, this is one of those nasty facts of life. It seems like every year that goes by, the price of petrol seems to go up too, which makes the simple logistics of daily life rather difficult if money is a bit tight. There are a few little tweaks you can make to your daily commute that will cut down the amount of petrol you use, and therefore
Although the world is now much more open and many places are within our reach – either by plane or train, or even by boat, there are so many unknown things that still, even today, scare us. Will my travelling be alright? What is the level of crime in this place? Can I walk to my hotel at night by myself? These and more questions need to be addressed prior
Budgeting is no easy task to start with, but like most things in life, once you get into the swing of things, it can be as second nature as breathing, well sort of. The important thing to remember with budgets is that they have to be stuck to, else what is the point? Stealing from Peter to pay Paul will only work for so long, before Peter and Paul meet
There are some things in life we can live without, and this is something to look at when it comes to saving money; having said that, there are some things in life it’s just not worth taking the risk to live without, whether you save or not! Healthcare insurance is one of those things, because in many cases, if you were to be taken ill, you may be faced with
If there is one dreaded moment in the course of a month almost all people out there fear then that is the moment when you open your mail box to see a stash of bills you really have to pay. And, among them, the electricity bill is one of the most expensive ones. Good news is that you can lower the number you see every month if you pay attention