Smart Money Mindset

A Simple Household Finance Budget

Simplifying the way you manage your finances can make sticking to a budget much easier. Limiting the amount of time it takes to actually manage your budget will make it more likely that you will do it. With the right technique it should only take you 20-30 minutes a week to stay on track. The [...]

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Salary Negotiation – How I Helped a Friend Get a 7 Times Larger Pay Rise

Making sure you get paid what you are worth can be difficult, especially if you have just been offered a great job. But don’t be shy, and remove the myths about salary negotiation from your brain, because if you don’t, they can prevent you from getting the salary you deserve. I used these principles recently [...]

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Lecturing at the London School of Economics today, Interest-Free Overdrafts and Drug Dealing – Eeek!

Sometimes life throws you a surprise… like being given two days notice that you’re booked in to give a lecture to 35 students at the London School of Economics! Which just happened to sell out in 2 mins… no pressure then… So here’s the interesting thing, not that I had the lecture arranged – it was [...]

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The Big “Saving Money” Scam

In the lead up to Christmas we are always bombarded with sales messages. “Save 50% here!”, “Buy one get one free!”. These offers come to us with the promise of “saving” us money. Are you really saving money? Probably not! It’s often the case that we end up spending, not saving as a result of [...]

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Relying on Your Pension? You’re Dead Already

Relying on just a pension to get you through your old age? You could be setting yourself up for disappointment, pain and financial hardship. Are you being manipulated and ripped off by financial companies? Read below and judge for yourself. This post is for all of you not lucky enough to have a final salary pension [...]

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Watching TV? You’re Committing Financial Suicide!

Like watching TV or movies? You could be programming your brain for financial suicide! TV and movies are full of false values or beliefs, also known as “Memes”, that we pick up and believe in without even realising. Some of the worst are around money and wealth. By getting these into your head you could be [...]

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Reduce the APR on Your Credit Card in 5 Minutes!

Learn how in only a 5 minute phonecall you could save double digit amounts on your credit card interest rate! Credit card companies are keen to keep you as their customer – no matter how they may act. You are worth a lot of money to your card company and have a lot more power than [...]

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How Being Too Polite Costs You Money

Here’s some advice on using negotiation tactics learnt from Indian parents to save yourself plenty of money. One thing about being the child of Indian parents is that you get to see them in operation across a number of areas – feeding 200 members of family with a highly effective mobile kitchen infantry unit; fitting 200 [...]

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Save Money With Indian Negotiation Tactics!

Save Money on Virtually Anything With The Top Ten Indian Negiotiation Tactics (TINTs) Here’s my top ten list of the Indian Negotiation Tactics (TINTs as I call them) that I have picked up off parents, uncles, and random relatives I’d never seen before or probably will again… I’ve used these and similar tactics to negotiate anything from [...]

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A Guaranteed Profit On Your Money? It’s Possible!

If someone offers you a guaranteed profit or return on your money what should you do? Yes, that’s right, RUN!! You see in personal finance there are very few things that offer a guaranteed return, in fact I know of only one. (if you know any more please do tell me!). However that doesn’t stop people [...]

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