Have you ever paused to consider what your behaviour might be saying about you… to you? It’s a fascinating thought, isn’t it? All behaviour is a form of communication. Every action we take, every choice we make, sends a message, not only to the world around us but also to ourselves. In the realm of financial planning, this idea becomes particularly intriguing. What are our financial behaviours trying to tell us? Think about it. When you […]
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So, why do we plan?
Have you ever wondered why we spend so much time planning, even when we know that life rarely goes according to plan? It’s a curious thought, especially when it comes to financial planning. Carl Richards beautifully encapsulates this paradox: “In fact, the only thing we know for sure about any good financial plan the moment we finish designing it is that it’s wrong. We just don’t know exactly how… yet.” This might sound disheartening at first, […]
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Problems that seem simple at first
Life’s a bit of a puzzle, isn’t it? We look at our problems and think, “Oh, that’s straightforward enough.” But then we start digging, and suddenly we’re in a whole different ballgame. It’s like peeling an onion – layer after layer, each revealing something new. And you know what? There’s a reason for all this complexity – and it’s not just to bring tears to our eyes… Most of the time, the issues we’re facing are […]
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From Hocus Pocus to Financial Focus
You know that feeling when you check your bank account and suddenly you’re thinking, “Hocus pocus, I’m brokus”? Yeah, we’ve all been there. It’s like one minute you’re feeling on top of the world, and the next, poof! Your money’s vanished faster than a rabbit in a magician’s hat. But here’s the thing: our finances aren’t actually controlled by some mysterious, magical force. Even though it might feel that way sometimes! Nope, it’s all about the […]
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The art of switching off
What if the key to unlocking a richer, more fulfilling life lies not in doing more, but in doing less? In our hyper-connected world, where the lines between work and personal life are increasingly blurred, this question has never been more relevant. The older we get, the more we see and learn how burnout can impact not just our emotional well-being, but our relationships and finances too. The constant pressure to be “on” can lead to […]
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The Baby-Steps Rule for Financial Growth
You know, it’s funny how we often think about our finances. We look at our bank accounts or our debts and think, “Wow, I need to make some big changes here.” And then we get overwhelmed and end up doing… well, nothing. Sound familiar? But here’s the thing: what if we didn’t need to make those massive, life-altering changes all at once? What if we could improve our financial situation just a little bit every day? […]
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Pause before you pay (part II)
ENHANCING FINANCIAL WISDOM: FROM PRICE COMPARISON TO SPENDING AWARENESS The simple act of pausing before making a financial commitment can transform your budget and savings strategy, echoing the thoughtful approach advocated by Benjamin Franklin: “Beware of little expenses; a small leak will sink a great ship.” Taking a moment to think before you buy significantly encourages better spending decisions. This brief pause allows you the opportunity to conduct a quick search for better prices or alternative […]
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The Truth Fairy
Once upon a time, in a land not so far away, there lived a magical creature known as the Retirement Fairy. This benevolent being was said to wave its wand and miraculously transform meagre savings into bountiful nest eggs, rescuing procrastinators and under-savers from financial distress in their golden years. It’s a comforting tale, isn’t it? Unfortunately, like most fairy tales, it’s just that – a story. Yet, surprisingly, many adults seem to believe in this […]
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The behavioural blueprint for financial success
Traditionally, personal finance conversations have focused heavily on numbers, metrics, and strategies. However, Morgan Housel, in his insightful book “The Psychology of Money,” proposes a compelling argument: while acquiring wealth involves shrewd financial strategies, maintaining and growing that wealth is more about mastering your behaviours and emotions. Housel shares that acquiring and preserving wealth are two distinct challenges, with the latter often proving more difficult. The actual test of financial acumen lies not in how much […]
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Who’s leaning on you?
BALANCING FINANCIAL RESPONSIBILITY AND PERSONAL BOUNDARIES For all of us, we’re often interconnected with others in ways we don’t fully realise. Family members, friends, colleagues and even acquaintances can lean on us for support, both emotionally and financially. While this support can be a beautiful expression of love and community, it can also become an invisible weight that impacts our own financial well-being and life goals. Take a moment to reflect: Who are the people in […]
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