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Money management Archives - Caroline Jean-Baptiste

Money management

Now is the time for preparation!

2024-10-30T10:10:54+10:00October 30th, 2024|Money management|

We’re coming up to an expensive time of year so it’s a good time to review your spending plan, your shopping lists and your gift lists. There’s no doubt that it’s a great idea to take advantage of Black Friday sales and other deals that come up - but only if you need what you’re buying! I can’t tell you the number of outfits, [...]

Do you focus on your saving or your spending?

2024-09-18T10:06:06+10:00September 11th, 2024|Money management|

I meet a lot of people who are having trouble saving money. My first question to them is "Where is your focus? Earning or spending?" One of the biggest misperceptions that we have is that the more we earn, the more we’ll have. Sadly, this isn’t always right and it ends up being “the more we earn, the more we spend”. It’s a little [...]

Want to get real with your finances?

2024-08-05T08:29:17+10:00August 5th, 2024|Money management|

Want to get real with your finances in 30 days? Here’s how I did it. I knew something had to change if I was going to pay off my mortgage so we could have the freedom of being debt free. That change needed to start with me. So here’s what I did! For 30 days straight I wrote down every single dollar I spent. [...]

Taking personal responsibility is the key to change

2024-07-31T08:05:46+10:00July 31st, 2024|Money management|

Taking personal responsibility for your outcomes is such a big thing in my opinion. It allows you to totally own your victories as well as your mistakes - or opportunities for learning, as I prefer to call them. So why is it such a big deal and why do so many people avoid it? Whether it's the state of your career, your bank balance, [...]

Money hacks

2024-07-24T08:09:14+10:00July 24th, 2024|Money management|

Money management is always a thing when you're trying to arrange finance or save for something special, so I thought I'd share my top 5 money hacks: Meal planning - figuring out your week of meals and making one trip to the supermarket instead of multiple will always save you money. It also saves time and mind power by not having to think about [...]

The key is to mindfully manage your money

2024-04-10T09:52:05+10:00April 10th, 2024|Money management|

And it's the key to so many things. Mindfully managing your money simply means that you think before you spend. Which means that you are conscious of the impact on your financial bottom line, you think about whether you really need the item you're considering, you may also be conscious of the impact on the environment, the difference it will make to your life [...]

7 tips for saving

2024-03-13T08:28:33+10:00March 13th, 2024|Money management|

Do you want to save instead of spend? Here are my top tips to get your bank balance going up instead of down. Cancel a subscription for 6 months. Do you really need Netflix, Stan, Disney, Prime, HayU, Foxtel, and Spotify? Getting rid of just one for 6 months would save you at least $60. Hold onto your phone for an extra 6-12 [...]

How are planning on dealing with the “extra” that December brings?

2023-11-29T08:33:19+10:00November 29th, 2023|Money management|

This time of year can be very demanding on your bank account. You’re buying Christmas gifts, preparing for holidays plus dealing with increasing mortgage rates and increased cost of living. It’s a lot. It’s a lot extra when “normal” might already be a lot right now. So how do you manage it? By doing exactly that - managing it rather than it managing you. [...]

Girl Maths – let’s stop right there!

2023-11-22T09:37:58+10:00November 22nd, 2023|Money management|

Girl Maths… what even is this? Is it a new phenomenon or am I just late to the party? If I’m late the the party I think I’ll change my RSVP to no. Thank you, but no. I know it’s tongue in cheek and a bit of fun… but it’s not really and it seems to be rife right now with Black Friday sales [...]

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