How to do a budget

Having a budget helps you to feel in control of your money. You can put aside money for big bills when they arrive, and plan savings to achieve your money goals. You don’t need an accountant or special software to set up your own budget. Start by looking at where you are right now and where you want to be. Set your money goals First, work out why you want to do a budget. This can help you to decide where you want your money to go. Ask yourself: what is my goal? It could be to stay on top of…

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How to avoid burnout and find balance

“Burnout is what happens when you try to avoid being human for too long” – Michael Gungor Isn’t that the truth. Owning a small business is not for the faint hearted. You start with an idea and your passion sets it on fire. At first working all hours and juggling jobs for other income while you build seemed like nothing. Studying and honing your craft in the pockets of time you had just worked out. Drive and determination to launch kept you going. After launch, the late nights just kept coming,…

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Buying property with other people: Mine, yours or ours?

When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both people’s names – especially if they’re going to live in the property. But other arrangements are possible, several friends might opt to own individual shares in a property, for example, or a couple might choose to have only one of their names on an investment property title. The following information provides you with a good starting point to help you on your way.  Also…

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Simple ways to save money

The sooner you start, the more you can save. Find out how to make a savings plan that motivates you and use our tips to save money every day. Set a savings goal Whether you’re saving for a holiday, home renovations or want a little extra in the bank for a rainy day, having a savings goal will help you get there. Work out how much money you need and how long it will take you to save. Use our savings goal calculator Work out how long it'll take to reach your savings goal. Have a savings plan The…

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