Money HabitsMore money. It's an appealing goal for most of us, but the unfortunate truth of working a 9 - 5 job is that most of us take home a fixed amount of money each week/month/year. As such, we often think that the possibility of having more disposable income is generally achieved by taking on extra work, asking for a pay rise from our employer, or cutting back on what we spend our money on. There is, however, another option, and that is to train ourselves to be wiser about how we use our money, to think about where and why we spend our money, and to understand how to get our money working for us. Simply put, we need to shed our bad money habits and entrench good money habits.

'A penny saved is a penny earned'

No doubt you've heard of that saying. But most people associate saving with 'cutting back', and they associate cutting back as being somewhat of a chore and a lifestyle-cramping exercise. It needn't be so. Most people, if they took the time to actually track their spending and look at their money habits, would be horrified to see just exactly where all their hard-earned money goes each week. It's a well known phenomenon that no matter what our earning ability we generally increase our spending habits to meet (and more often, exceed) our earning capacity. What this means is that, even with a pay rise, we generally increase our daily spending to such a degree that we are financially no healthier than we were before the pay rise.

So, how can we have more money in our pockets at the end of each week? The answer is to think smarter about money. Thinking carefully about where we spend our money, why we spend our money, how we spend our money and where we throw our money away will help to create great money habits that will not only last a lifetime, but will also create a more financially comfortable lifetime. is dedicated to helping you get more from your hard earned money. We're all about helping you to learn good money habits and to shed bad money habits. We're all about making your money, no matter how much you earn, go further and work harder for you. Whether it's mortgage advice, information about managing your credit cards or even teaching children about money, if it's about good money habits, we cover it all.

Money Saving Tips
Money Saving Tips
Inattention, laziness, ignorance and sheer stupidity. Just some of the ways we throw our hard-earned money away each day

. While saving a few pennies here and there might not seem much on the surface, taken collectively and over a longer time span, small savings can really add up to significant...

Frugal February
They say it takes a month to form a habit, so why not choose the shortest month of the year to try to instill some money-saving habits?

Frugal February is your chance to get rid of some bad money habits and introduce some life-changing routines that will set you on the course to financial health....


Teaching Children about Money

Teaching Children About Money
Teaching your child about money is a journey, not a destination. There is no end-point. In essence, you’re not teaching your children about money, you’re teaching them about ‘learning about money’. This is a process you want them to continue with their entire adult lives. You can start as...Read More >>

The Supermarket Trap

Any money-wise shopper will tell you that it’s much cheaper to buy your groceries from a supermarket as opposed to your local convenience store. But is it? To the unwary, or undisciplined, supermarkets can be a real drain on your wallet – without you even realizing it. Sometimes it can be, in...Read More >>

The Rule of Thirds

The Rule of Thirds is not only a great way to get children to learn the habit of saving but also serves as a nifty math exercise each and every time your child gets some money. It’s also a great way to show children that small but consistent savings really can add up over time....Read More >>

The Highest Paid Hour's Work You'll Ever Do

If you spend just one hour of your time doing this, it will pay you dividends far higher than any other hour's work you're likely to ever do. And it's not even that...Read More >>

Getting Out of Debt

Better Sleep
For most people, once they get into debt, it can be an extremely long and hard road back to financial freedom. One of the stark realities of debt is that it's often the additional costs of penalty charges and higher interest rates that prevent many people from making a dent in their debt amount in...Read More >>