“If I had a penny for every time I put something off until tomorrow, and never got to it… I’d put them all in a sock and hit myself with it.” Unknown In our digital age, it has become increasingly easy to create lists of things to do and remember. We can just call out...
“In short, we call this an emergency account,” Ruark Pepler. Many people have heard, but not heeded, the advice to “save for a rainy day”. In financial planning terms, we view this as an emergency account and it should form a basic part of every financial plan. Your emergency account must: Be easily accessible Not...
As we build businesses and seek to create various income opportunities, we are always confronted with the challenge of pricing. It’s a challenge because all of our situations are different. Those with qualifications and experience often charge more for their time. But it’s not a sure way to work out billing and costs; sometimes people...
“Every financial plan starts with a budget!” Ruark Pepler. It is almost impossible to plan for your future financial needs if you don’t have a budget. Contrary to popular belief, a budget shouldn’t make you feel bad or feel like you’re useless with managing your money, rather, a budget is an important tool to guide...