Build a cash buffer that works for you

Cash buffer

A cash buffer is your first line of defence against expensive debt, unnecessary stress and being overwhelmed by life’s unexpected events.  Yet too many of us fail to build a cash reserve that we can fall back on if we become unwell, need an urgent repair, or face unemployment.  This short article helps you work out what you need.

You are not Homo Economicus

Two hands

In traditional economics, you are told that humans basically make financial decisions like robots. I sat through lecture after lecture being told to make decisions in my own self interest – and frankly, I struggled with that idea. Because my self interest was not just about getting the best price, or the ‘highest economic value’.   That doesn’t work for humans in reality.

You better read this before you set up a budget

The joys of budgeting

What can you do to control your spending if budgeting doesn’t work for you? Are you someone who never has money left over at the end of your pay period? I certainly have.

Introducing the Money Pizza

Money taboo; financial coaching; financial confidence; money talk

Break the taboo around talking about money with this simple tool – the Money Pizza! Get a handle on where you really are with your money, and where to focus your efforts. The Money Pizza. It’s tasty. You’ll like it.

Why your new years resolutions will fail

Ahhhh, the second week in January. How we love to hate thee. The Christmas decorations have been taken down, the hangovers have cleared (except for that one still on the credit card), and we are getting back to the work and university grind. Those shiny new years resolutions are in the recycling bin, ready to…

Did you save money last Christmas? That’ll be bad for you this year.

Marketers are desperate to part you from your money this Christmas – and after the 2020 effect on sales, they are going to do whatever they can to get your cash. But once you know what to look out for, and what to consider – you will be far less likely to be sucked in.

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