My latest guest post with Savings Guide is now available, entitled Troubleshoot Your Budget. You can read it here: http://www.savingsguide.com.au/budgeting-101-trouble-shoot-your-budget-2-of-3/ Questions and comments welcomed!

This is part b in a series on creating a budget that actually works.You can read part a here. In part a I set the homework of spending a month putting all bills and receipts into a shoebox. Here’s what you’re going to do next. Before you start, you’ll need your shoebox and a computer...

New research has shown that in an attempt to adjust their budgets and cut costs in the current economic environment, many people actually make choices which they think are saving them money, but in fact cost much more. Unfortunately, many people use a poor financial situation as an excuse to make unhealthy...

I’ve been on holiday recently. Whilst away I had time to get seriously stuck into some books. One of them was David Bach’s ‘Start Late, Finish Rich’. An interesting book, should you be so inclined. In it, David refers to the ‘Latte Factor’. The basic principle is that...