The Level 2 Money Plan

When managing our finances, Level 2 is the lowest level we should all want to be at. A person at this level has no debts, is spending less than they earn has a grip on how to implement The Level 1 Plan and is able to live the most affordable lifestyle they can get with what they earn.

This is the simplest principle we should all be living by if we want to have good money management and financial health. It seems like it should be enough but it’s not. Continue reading

Advertisements

The Level 1 Money Plan

The money struggle is real.

If you’re like me, you’ve tried numerous ways to get a grip on it, but 15 Excel spreadsheets, 5 apps and 2 best friend-turned-financial advisers later, nothing ever seems to work. It seems like you’re forever in a bind and forever taking from one pot (usually any savings) to make up for over spending or not having enough in another pot i.e. petrol because you just bought a new pair of shoes. Excel budget sheets get more complicated and the pay cheque to pay cheque life spirals out of control.

You know it needs to stop and it needs to change soon before you crash and burn but how do you do that? Where do you begin? How do you even start to get better with your money?

Continue reading

First Steps to Financial Health Pt.1

Emerson Fry

Image via Emerson Fry

Sometimes when we want to revamp our lives it can be hard to know where to start.

In order to get our finances in shape it’s not just enough to tackle our shopping habits, we need to look at all aspects of our finances and how our shopping habits fit into that.

Here are seven things I’ve learnt to help me get my finances (and hopefully yours too!) back on track.

Continue reading