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When people talk ‘money’ they invariably end up complaining about the number of bills they need to pay. When they start listing them all, it’s not uncommon for the list to include ‘Credit Card’, but is ‘Credit Card’ really a ‘Bill’? I find it really hard to comprehend that anyone could honestly think it is![…]

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Since the Banking Royal Commission began probing into Australian banks and their lending practices the banks have significantly tightened up on how they qualify potential borrowers for loans. In the past it almost got to the point where if you had a pulse and a job (or a social security income), you were more than[…]

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Everyone thinks Income is the Magic Pill that will solve all money problems. They think like this:  ‘If you have money problems you must go and earn more money!’ That sounds like it should work… there is some logic in there, but unfortunately millions of people have tried it and found it did not work for[…]

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Debt is a major concern to many people at the moment. I hear this every day in my work. However, there are some simple steps you can take to reduce the debt burden in your life as quickly as possible and create a better life for you and your family, one where you have little or[…]

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Image of a man looking annoyed and working late - Represents that To escape the rat reace and enjoy the process you must start a business you are passionate about

The problem with debt is that you’ve already had the excitement of spending the money; now you’re faced with the pain of paying for it! It’s hard to get excited about waking up in the morning and going to work to pay for a thrill you’ve already had! If you’re in debt and you’ve had[…]

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Recently I saw someone on social media arguing that there is no difference between Lay-by and one of the ‘Pay After You Take It Home’ schemes that are very popular at the moment. They were clearly convinced that there is no difference between the two because as they saw it, you pay in instalments over[…]

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In the last few years I have learned a lot about people and money. One thing I learnt is that many people go looking for ‘the’ sexy big thing that will fix up their money mess (debt caused from spending more than they earn each week over a long period of time). This often leads[…]

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Sometimes simple things can have a major bearing on your financial outcomes in life. One major stumbling block to millions of people is ‘Emotions’. If you were to draw a line on a piece of paper and write the word Emotional at one end, at the other end you should write the word ‘Logical’. Making[…]

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Let’s look at a common misunderstanding about achieving financial success: Keeping Financial Records Over the last 4 or 5 months quite a few people have sent me information about smartphone apps that you can download allowing you to keep records of where you spent all your money. There is definitely a place for keeping financial records[…]

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