Personal finance

Adjusting to inflation rises

Inflation is starting to rise pretty much all over the world. Cash rates have gone up, which will almost certainly be followed by interest rates on mortgages, and the cost of basic goods and fuel has increased. Inflation really starts to bite when wages don't increase, reducing spending power. The macro economic effects might be… Continue reading Adjusting to inflation rises

Personal finance

Download my zero dollar annual budget template!

The biggest thing that has helped me with my personal finance goals is making a budget. There are lots of different types, I've found a 'zero dollar format' works best for me. You assign each dollar to a different spend category, or to savings, at the beginning of each payday. This helps pay yourself first,… Continue reading Download my zero dollar annual budget template!

Personal finance

The ultimate budget! Zero dollar budgeting for the entire year

Use a zero dollar budget to keep an eye on those dollars right across the whole year Every work area, not matter how small, has a budget. It's critical to understand how much of your resources you have left in order to make any kind of financial decisions. It also provides a guide to where… Continue reading The ultimate budget! Zero dollar budgeting for the entire year

Personal finance

How to set and achieve money saving goals

“Don’t tell me what you value. Show me your budget, and I’ll tell you what you value.” It’s a quote from Joe Biden, commenting on how he viewed John McCain’s political stances based on his actions as a senator voting on budget issues. The budget issues in question run into the billions of dollars, but… Continue reading How to set and achieve money saving goals