Monthly Archives: November 2013

Expect the unexpected. Be prepared. There are lot’s of ways to say why you should have an emergency fund.

Eight reasons why budgets fail – an infographic. Click to view a larger image.

Budgeting is a learning process. We’ve said before that there is no such thing as the perfect budget. The truth is no two people will make the same budget even if they are living on the same income, in the same neighbourhood with the same number of dependants, nor should… Read more

There are a lot of budgeting tools out there. What’s right for you?

Budgets need to be managed. That means keeping track on a fairly regular basis. Without some form of monitoring, you will have no way of knowing: If your budget is realistic; if you are working within your budget; or if you will be successful in achieving your financial goals. Here… Read more

Routinely missing bill payments can negatively affect your credit score.

Are you hoping to prepare a balanced budget that meets your goals. Our infographic explains the process of zero based budgeting.

Whether you are living beyond your means or looking for ways to save more, getting your monthly cash flow back under control will be your top priority. To do this, you need to balance your expenses, including debt repayment and savings, within your income. This is often called zero-based budgeting…. Read more