8 ways to save money on Christmas shopping
The joy of Christmas gift-giving can mean a debt hangover in the New Year. It doesn’t have to be that way — here are some tips to help you get into the Christmas spirit without getting into debt.
It’s almost the end of the financial year. Which means it’s time to start thinking about your tax. Sorting out how you can keep the maximum amount of your income from the tax man can be a tricky dance Get your deductions right and you could save yourself a bunch of money while you’re at it.
If you’re nearing retirement, one of the biggest questions on your mind might be, “Do I have enough money to have a comfortable retirement?” The answer to this question will differ from person to person. For instance, a retiree simply wanting a weekly income to cover bills, groceries and outings with the grandkids, will require a different amount compared to another retiree looking to travel the world once retirement rolls around. Whatever kind of retirement you envision for the future, it’s important your retirement budget reflects this.
You’ve done it again. It’s the week before payday, and there’s nothing left. Did you really need that new pair of shoes? This was supposed to be the month you made your own lunches. Feel familiar? Here’s a few apps to keep your budget in check.
It’s one thing to decide to start your own business or to strike out as a sole trader, but deciding how to manage your finances effectively is another thing entirely. It’s not like the entrepreneurial spirit automatically downloads bookkeeping knowledge – it’s okay not to know it all automatically.