Mr Money Face

Are you thinking about giving the ‘No Spend Month Challenge’ a shot?  You’re definitely not alone in wanting to get smarter with your money. A No Spend Month is more than just watching every penny – it’s about changing the way you handle your money and working towards your financial dreams. In this article, I […]

“How do I stop spending so much money?” This question, born out of frustration, is all too familiar for many who find themselves tossing in bed, wrestling with the guilt of overspending and dreading the wait till the next paycheck. The good news?  There’s a way out of this cycle. It starts with understanding and

You’re probably scratching your head, thinking: “What is a sinking fund?” The idea behind a sinking fund is to avoid financial strain or debt by planning ahead. For example, you’re eyeing a $5,000 vacation this year. You set up a sinking fund where you begin putting aside a bit each month specifically for this trip,

What is a variable expense, and why should you care?  Variable expenses, such as your electricity bill or grocery spending, are the costs that vary each month.  While they might seem less significant compared to fixed expenses, they often are the reason you find yourself puzzled at the end of the month, wondering where your

Fixed expenses are costs that stay the same each month.  They’re predictable and don’t change much, making them easier to plan for in your budget, unlike variable expenses, which fluctuate and surprise you. Comprehending the difference between fixed and variable expenses is a big part of managing your money.  Why?  Because knowing your fixed expenses

Ever been smacked with a bill out of the blue and thought, “Bloody hell, what am I going to do now?” as you looked at your empty bank account? I mean, what other options do we have besides taking out personal loans or using our credit cards to cover this time? “What if I’m hit

What is lifestyle creep? Lifestyle creep, or lifestyle inflation, is when your discretionary spending increases along with your income.  Did you notice? When you received a substantial raise or landed a new high-paying job, did you find yourself spending at higher-end dining places? Or buying a new luxury car? Or perhaps replacing and filling your wardrobe

Ever feel like you’re stuck in a never-ending cycle, living paycheck to paycheck, barely scraping by and making ends meet?  “Is this all there is to life?” Well, the good news is that breaking free from the living paycheck to paycheck cycle is possible.  So, let’s dive right in and end this never-ending nightmare. 8

Have you ever wondered why, despite your best efforts, you can’t seem to get a firm grip on your finances?  Those money habits we’ve all picked up are the culprits.  From daily spending to credit card swiping online, recognizing these bad money habits is crucial to staying financially healthy. But knowing and recognizing isn’t enough. 

Who hasn’t been there, standing in a store or browsing online, torn between what we want and what we truly need?  We all have numerous such moments, juggling between our needs and wants.  We understand that to reach our goals, we need to save or invest money. However, the appeal of branded shoes, clothes, or