Money Tips

For those of you still buying Christmas presents in the last minute rush, this might make things a little easier for you to find that perfect Christmas gift for a loved one.

Ask any parent and they will tell you that when you have children you learn to live with embarassment and teaching your children about money can include a little too.

I encourage parents to start teaching their children about money from an early age. What is an early age? I will happily give my 3yo nephew money lessons when I'm looking after him and he picks it up so certainly 3 isn't too young. Kids learn so much by following your example that you can start with this lesson from when they are even younger.

Today's tip is Teach your kids to stick to a budget

We often get asked what is the best way to start a Savings Plan and if you don't have a set goal like a new car, a holiday or something else you are dreaming of right now, it can be hard to know where to start.

The best place to start with for a savings plan is to setup a rainy day fund for yourself. Yes I know the last time you probably heard the term rainy day fund was from your Grandma but the term is just as relevant today as it was for your grandparents.

The Post Christmas sales seem to have come early this year with many stores already offering discounts to entice shoppers in and to spend some of your cash with them.
The offers will only get more and more tempting as Christmas nears and then passes so how do you minimise the chances of getting caught in the hype and manage to keep your cash in your wallet?

It can be tough to resist the sales and for some of us there are items we genuinely need and have been waiting for the sales in the hope of the best bargain possible. So here are my top tips to surviving the post Chritmas sales.