Wealth Management

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  • AI, Copyright, and you
    AI, Copyright, and you

    Here in Australia, the creeping Tech Industry spectre is trying to subvert copyright law so they can freely use copyrighted material to train AI models.

  • Thoughtless shopping and life
    Thoughtless shopping and life

    Recently I’ve been thinking that shopping can be a metaphor for life. Not so much the shopping itself, but why we are so thoughtless about the shopping. And living.

  • More Morning Routine
    More Morning Routine

    I’m not sure whether it’s because this is already an unusual year, but I’ve been thinking more about my morning routine. Perhaps because there’s been so little else to pin the days on, and the lazy, langourous, sleepy sense of nothing much happening lasts for about 87 hours per day.

  • There’s been a Data Breach!
    There’s been a Data Breach!

    “There’s been a Data Breach!” (please imagine the grizzled voice of Taggart’s Detective Chief Inspector Burke).

  • Inflation and You
    Inflation and You

    I’ve been watching the inflation rate with interest. The local commercial tv stations running around like headless chickens talking about how disastrous inflation is

  • Revisiting Just-in-Time Delivery
    Revisiting Just-in-Time Delivery

    The concept of just-in-time delivery is essentially having ZERO stock on hand, ordering it when when you need it. In 2015, when I was long-term unemployed, I wrote a post about developing the virtue of Wealth. Essentially, it involved: But, times are changing… In the good old pre-Covid days, it was possible to buy as…

  • Dating Spending Plan
    Dating Spending Plan

    I heard the divorce rate has skyrocketed, so it’s the perfect time to set up a dating spending plan

  • How to mind the beeswax of business
    How to mind the beeswax of business

    I’ve been thinking about minding the beeswax of business. It started when I was happily watching a period drama.

  • House Deposit  Spending Plan
    House Deposit Spending Plan

    It’s โ€œThe Great Australian Dreamโ€ to own a house on a quarter acre block. And for this, youโ€™d save a house deposit, and take out a mortgage for the rest.

  • How to celebrate your 100th birthday
    How to celebrate your 100th birthday

    A few days ago, Mary Beard asked; “How do you celebrate your 100th birthday?” Like her, I don’t have a fond hope for reaching 100 years.

  • How to Win in the Sales Season
    How to Win in the Sales Season

    Itโ€™s sales season again โ€“ that time of year when it seems everyone is trying to get their hands in your wallet. Preferably to empty it, leaving you (and their competitors) with nothing.

  • How to do an annual review
    How to do an annual review

    Here in Australia, there’s only three weeks to lodge our tax returns, so it seems good idea to talk about the annual review.

  • Debt Reduction Spending Plan
    Debt Reduction Spending Plan

    Increasing adding to increasing credit card debt mean itโ€™s time to think seriously about debt reduction.

  • Start a New Business  Spending Plan
    Start a New Business Spending Plan

    It’s tax time here in Australia. Often people seeing their numbers in black and white on their returns start wondering about starting a new business.

  • Your Role as Purchasing Agent
    Your Role as Purchasing Agent

    Have you ever thought about your role as a Purchasing Agent? Or are you like most people who just buy stuff?

  • How to Create a Savings Plan
    How to Create a Savings Plan

    While I’ve talked about Spending Plans, and how to rearrange them to accommodateย your goals, I’ve not mentioned how to create a Savings Plan.

  • How to Recognise and Take Advantage of Opportunities
    How to Recognise and Take Advantage of Opportunities

    You’re only a few steps from losing or winning it all. You just need the ability to recognise and take advantage of opportunities that come your way.

  • How to Make Good Purchasing Decisions
    How to Make Good Purchasing Decisions

    Here in Australia, the Banking Royal Commission is well underway. And you may wonder what this has to do with good purchasing decisions, but at some point, we all chose to buy their services, and some of us chose to invest in them, and all of our superannuation funds invest and bank with them.

  • Get Moving! Spending Plan
    Get Moving! Spending Plan

    Around now, when life settles back into its usual rut, many of us cry out “I wish I could just get moving again.”

  • Quit smoking spending plan
    Quit smoking spending plan

    Sooner or later, some smokers will decideย it’s time to quit smoking. It’s not a snap decision; it’s something most of us think about for many years, and take several attempts to do.

  • Read More Books Spending Plan
    Read More Books Spending Plan

    I am quite often told, “I wish I had the time to read more books.” And I understand that because I wish it too!

  • Christmas Spending Plan
    Christmas Spending Plan

    With Christmas 2017 over, you may be wondering why you spent so much. The easiest way to get 2018 under control is with a Christmas Spending Plan

  • Stay in Touch Holistic Spending Plan
    Stay in Touch Holistic Spending Plan

    Every year almost everyone forms an intention to spend more time with their friends, so this month I’m looking at aย Stay in Touch Holistic Spending Plan.

  • Make New Friends Spending Plan
    Make New Friends Spending Plan

    Something that’s been on my list for a while is meeting new people, and I know others do too. So letโ€™s look at a Make New Friends Spending Plan.

  • Pet Ownership Spending Plan
    Pet Ownership Spending Plan

    My poor Pretty Boy’s been ill for the last few weeks. Fortunately, he’s recovered, so let’s look at a Holistic Pet Ownership Spending Plan.

  • Weight Loss Spending Plan
    Weight Loss Spending Plan

    So many of us decide to lose weight as if it’s something without cost – but we’re all wrong! Today, we’ll examine a Weight Loss Holistic Spending Plan.

  • Overseas Vacation Spending Plan
    Overseas Vacation Spending Plan

    With Holistic Personal Finance about ready for release, it’s time to start sharing it with you. Starting with a Holistic Overseas Vacation Spending Plan.

  • How to Eat Well and Save Money on Food
    How to Eat Well and Save Money on Food

    As I mentioned for my 2016 Transplantiversary, I’m hoping to make some significant lifestyle changes to get down to the hospital recommended weight. I’ve ordered new cookbooks to help! During my cookbook shopping, I found a review of Jamie Oliver’s Everyday Super Food, which dismissed it (1 star) because if you made the dishes as described…

  • Wealth Management for a Happy Retirement
    Wealth Management for a Happy Retirement

    The tender โ€œwinnersโ€ are an older couple in their sixties who canโ€™t afford to retire, so they have started an office cleaning business. Instead of the happy retirement life of sun-seeking travel, relaxation, and comfort they had fondly imagined.

  • Deliberations on Luxury
    Deliberations on Luxury

    With the research for my new book Holistic Personal Finance progressing nicely, Iโ€™ve been thinking about luxury. Partly inspired by the old guy who just paid $55 for a packet of cigarettes (I believe they were about $15 when I quit), but more particularly luxury in food.

  • The Happy Benefits of Old Fashioned Budgeting
    The Happy Benefits of Old Fashioned Budgeting

    Iโ€™m researching a book on Holistic Personal Finance, and finding the difference between modern and old fashioned budgeting amusing, confusing and a disquieting indicator of the change in our values.

  • A Short History of Attitudes Towards Household Expenditure
    A Short History of Attitudes Towards Household Expenditure

    I am intrigued in particular about how the attitudes towards household expenditure I’ve been reading about have changed.

  • How to Protect Yourself from buying counterfeit goods
    How to Protect Yourself from buying counterfeit goods

    Recently I had the misfortune to purchase counterfeit goods online. Owning counterfeit goods in Australia is illegal, let alone selling them. I found it very shocking โ€“ I thought I had been really careful, but once you click the buy button itโ€™s too late!

  • Why Wardrobe Plans are Valuable
    Why Wardrobe Plans are Valuable

    The key wardrobe plan problem is building this year’s wardrobe around last year’s clothes (not lack of funds). I think this may be…