From the category archives:


Buying Local versus Shopping Online Overseas

In times gone past when people needed to buy something that they could not produce on their own they had to travel for miles to purchase it.  Human innovation however changed this with local shops, cities, catalog shopping and mail order but the biggest impact to our shopping habits was the internet. This made it […]


3 Reasons Not to Do Emotional Spending

by Ian Elbanbuena on March 5, 2014

3 Reasons Not to Do Emotional Spending

In reality, people don’t buy things purely for logical reasons, but partly for emotional ones. Problem is, most people buy recklessly and don’t know how to control their spending as much as their emotions. Buying something you don’t really need when you’re stressed out, bored or feeling particularly low is emotional spending. Yes, it gives […]


The 4 Insurance Policies Everyone Should Have

by Mike on January 31, 2014

The 4 Insurance Policies Everyone Should Have

If you’re a novice to insurance, it can be impossible to know which policies you really need, and which ones are a waste of precious time and money.  That’s why we’ve put together this list of the 4 policies that are essential, helping you to separate the wheat from the chaff. Life Insurance If you […]


Insurance Underwriting: What You Need to Know

Insurance underwriting may seem like a vague and impenetrable process, only understood by those with specific training in this field. However, insurance underwriting is more integral to our professional and personal lives than many of us realise. Corporate liability, health care and car insurance coverage all require the services of an insurance underwriter. This guide […]


The Financial Cost of Being Fit

by Heidi on October 9, 2013

The Financial Cost of Being Fit

Some of the best business books around talk about a fitness regime to keep you body healthy and your mind active and to obtain the best results in your business life. So why do we hesitate and claim all sort of barriers (including financial ones) to us keeping fit. How often have you said “I […]


Holiday budget

Having just enjoyed a spring long weekend here it only just occurred to me to check my wallet and have a look at what I have spent, where the money went and even do I have any left!. Consider that on a normal holiday or time away you will set aside a holiday budget (you […]


Should I use credit card or cash?

by Mike on September 10, 2013

should I use credit card or cash

Have you ever wondered why most people never seem to be able to save any money, let alone buy things that they actually can’t afford? This is not a result of suffering from a modern psychological condition such as oniomania which compels you to go on a marathon shopping spree as soon as that paycheck […]


Post image for Quick Ways to Decorate your Bedroom on a budget

Living on your own gives you all freedom to choose to redecorate when you want and with the look you want but keeping it to a budget can be a challenge. Living on your own lets you decide on the expenditures but also ultimately means you have to bear the cost yourself. Decorating your bedroom […]


credit score

If you’re in the market for a new car or truck, you’re probably planning to take out a car loan. But with today’s climate of strict lending practices, it’s not always easy to get financing for your new car. Here are a few things your bank will look for before issuing you a loan. Good […]


Spending more with terrible weather

by Mike on February 25, 2013

Spending more on weekends

Does the Wallet feel a bit lighter after your weekend spending? Having spent a rainy and windy filled weekend with my lady I cant but help notice my wallet is feeling a bit lighter than usual. Which bought to my mind some reflection of my habits of weekend spending on fine clear weekends versus lousy […]


Retail Tips to turn you into a smart shopper

by Mike on February 23, 2013

Retail Tips

Betraying the code – Retailers   I know I may not have commented about it in my About Me page but I spent a somewhat interesting three years working in retail in my past working history. On top of that (yes I am a sucker for punishment) I spent another seven years working in wholesale […]


Quick Pay Day Loans – What do you think?

by Mike on November 18, 2012

Quick Pay Day Loans

Quick Pay Day Loans – Fickle Fad or useful? Here is your chance for fame! After keeping an eye on my twitter and the community at large I have noticed a large payday loan movement particularly in the UK. From the number of searches per month (approx 3-4 million globally) its clear that many people […]


A Cash Budget – Its not all bad news

by Mike on October 30, 2012

Cash Budget

Transitioning to a Cash-Only Budget When the budget gets tight, people often reduce expenditures such as expensive entertainment. There are many other ways to reduce overspending, but many households overlook these. Shopping around for cheaper medical coverage, or comparing online car insurance are two frequently overlooked ways to save. Another exceptionally helpful way is to transition towards […]


Do You Give Giftcards As Presents?

by Mike on May 15, 2012

Gift Cards

So many gifts to give, and so little time to go and shop for them! Doesn’t that seem like the mantra these days? I know that I sometimes feel overwhelmed when having to shop for gifts for friends and family, and I (while not sounding like a jerk) wished there was another way to go […]


Post image for Do You Take an Honest Look at How You Spend Your Money?

When you see your friends buying nice things such as a new car or a second home, do you automatically think that they have gone deep into debt for the purchase or do you secretly envy them and think they must have come into some money? Do you think, some people have all the luck […]


How to Save Money on a Kitchen Appliances

by Mike on April 16, 2012

Kitchen Appliances

If you want to make changes to the way in which your kitchen looks you’ll probably be aware of the fact that it will cost money to carry them out especially when you take in mind new appliances. With this in mind you’ll be interested in any ways to save money wherever you can without […]


5 Ways to Save Money at Starbucks

by MelissaBatai on February 13, 2012

Post image for 5 Ways to Save Money at Starbucks

The latte factor is a term coined by financial author David Bach to describe daily, wasteful spending. For those of us trying to save more and lessen/consolidate debt, knowledge of the latte factor can cause a sense of guilt as we slyly shuffle into a Starbucks to spend our hard earned money. On the weekend, […]


Furnish Your Apartment Using Craigslist

by MelissaBatai on February 8, 2012

mattress on car roof

If you are just starting out, it can be expensive to furnish your first apartment. When I moved to graduate school and lived on my own for the first time, I spent about $500 furnishing my apartment, and that included having many pieces my mom was generous enough to give me from her home. If […]


How to Host a Superbowl Party on the Cheap

by Mike on January 27, 2012

Post image for How to Host a Superbowl Party on the Cheap

The Super Bowl is just around the corner and if your house is about be invaded by party-goers, you might be worried about what hosting a huge party is going to cost you. Potlucks and BYOB are always a good way to host a party on the cheap, but if you want to keep the […]


Mopping and Sweeping

I don’t like cleaning; and I make no secret of that fact. Dust can multiply for months, and I might notice that it is there, but I probably won’t clean it. I do have the basics that I do every day—dishes, and general picking up. I clean the bathrooms and sweep and mop the kitchen […]