Cashtillpayday Blog - Personal Finance Guides and Tips

Don't Wait to Be Debt Free to Enjoy Your Life

04-01-2018 08:00:07
Stephanie Shaw

Do not wait until you clear your debt to enjoy life Don't fall in this school of thought, believe that whether we are in debt or not, we have to enjoy life, otherwise we will not be motivated to live and also work hard and clear what we owe. Enjoy your life, be happy and you will find ways through which the debts that have been bogging you down can be cleared.

27-12-2017 08:00:02
Stephanie Shaw

save money on your next road trip Road trips are exciting but can be expensive at times. If you're not careful, you may spend more than you had budgeted on your road trip. Here are five ways that you can save money on your next road trip.

21-12-2017 08:00:06
Stephanie Shaw

some of your money is being wasted Here is how you can stop wasting your money on five items which use up a lot of your income, yet can be done without. A few changes, however painful at first, will go a long way in saving you money. The amount saved may even be enough to clear a debt or invest in a venture that will give you extra money.

14-12-2017 08:00:06
Stephanie Shaw

Maxed credit cards is a problem Maxed credit cards signal a problem, one which needs to be addressed immediately. It's a sign that all is not well with your spending. Here are some things you can do to address the problem.

07-12-2017 08:00:38
Stephanie Shaw

creative ways to make money Are you looking for money to finance that holiday or want to buy something but don't have enough cash? Don't resort to borrowing; here are six creative ways that you can use to make that extra money.

30-11-2017 08:00:03
Stephanie Shaw

Alternative holiday gift ideas During the holidays, we give our family and friends gifts. You don''t want to give a gift that will never get used or enjoyed. To avoid falling into this trap, here are six alternative holiday gifts which will prove useful for a long time.

23-11-2017 08:00:13
Stephanie Shaw

Frugal travel tips to save money on your vacation Holidays allow us time to relax and escape from everyday hassles. We should not let cost come between us and enjoying our holidays. These frugal travel tips can help you have the kind of holiday that you have always wanted.

16-11-2017 08:00:48
Stephanie Shaw

Expensive holiday shopping mistakes It's tempting to go overboard, arguing that Christmas, only comes once a year and that we should enjoy and reward ourselves. You could be making spending mistakes, and the only way to stop it is identifying them and making some small changes.

10-11-2017 09:19:50
Stephanie Shaw

Keep debt from ruining your Holiday Holidaying is an important aspect of our lives, it's a time to unwind after a long period of hard work. However, this can leave us in serious debt, here are some smart ways that you can use to keep debt away from ruining your holiday.

26-10-2017 08:00:05
Stephanie Shaw

Christmas gifts on budget Christmas is a time when we give gifts to our loved ones. It's a period when we spend and if we aren't careful can overindulge when it comes to gifting. Here are five useful tips that will help you save extra money on your Christmas gifts.

19-10-2017 08:00:20
Stephanie Shaw

stay safe when using public wi-fi Public Wi-Fi is a great way for you to browse the internet and save some money. However, it can also be an easy way for you to lose money. When using public Wi-Fi we log into our personal accounts and also put our files and data out there in the open, we risk it all; especially when we are not careful with what sites we are visiting.

12-10-2017 08:00:46
Stephanie Shaw

fun weekend getaway ideas You may be planning a big weekend adventure but are on a low budget. You can still have the weekend of a lifetime even if you do not have much cash to spare. Here are some tips that will help you have a fun and inexpensive long weekend.

05-10-2017 08:00:01
Stephanie Shaw

Holiday business ideas The holiday season is almost here and with it comes good tidings. You could make some extra cash with some of these business ideas.

28-09-2017 08:00:02
Stephanie Shaw

Spring garden 2017 tips Being short of funds does not mean you cannot achieve a blooming garden. With a little effort and imagination; you can make your spring garden stand out.

21-09-2017 08:00:04
Stephanie Shaw

2017 grocery shopping tips You may find yourself spending a hefty sum of money on your groceries. The fact that groceries are basic needs means that the only way to reduce your spending on this crucial item is to cut on costs. Here are simple ways through which you can save extra money on groceries.

14-09-2017 08:00:01
Stephanie Shaw

hobbies for 2017 Being smarter is a choice that you can make; You may be the sharpest person on earth but the moment you stop developing yourself intelligence may decline. To ensure that you continue being smarter, take up one of these hobbies and you'll find yourself healthier and in some instances even richer.

07-09-2017 08:00:05
Stephanie Shaw

dating someone with bad credit It takes great effort and a long period of time to build a strong credit score, but all this can be shattered in a short time. When you're in a relationship with a person who has a poor credit rating, chances are that you will find yourself moving in the same direction. Your partners spending habits will definitely affect you one way or another.

31-08-2017 08:00:03
Stephanie Shaw

dad's best advice Nothing makes a Father happier than, knowing that he's made a difference in his child's life. Here are some lessons from Dad, which are still very relevant today.

24-08-2017 08:00:04
Stephanie Shaw

embrace a frugal lifestyle Frugal living can be the cure for all our financial problems. It's a lifestyle that should be embraced by all who are looking forward to financial stability.

17-08-2017 08:00:01
Stephanie Shaw

One of the first steps to understanding how you are managing your finances is keeping track of your expenses. Some may feel it's a lot of work but it's worth it.

10-08-2017 08:00:05
Stephanie Shaw

waiting for payday There are several things you can do to ensure that your paycheque stretches the entire month. Some of them may be a little more difficult, but they'll go a long way in ensuring that your needs are met.

03-08-2017 08:00:01
Stephanie Shaw

debt-free fast Although experts argue that paying off the high interest rate debts first will help you save some money in the long run, sometimes it may not be the best approach, especially when you have large balances.

27-07-2017 08:00:03
Stephanie Shaw

talk about money with your spouse Open communication about finances may be a difficult area to venture into, but it's important to understand that for the marriage to succeed couples need to make some things clear and straight.

20-07-2017 08:00:00
Stephanie Shaw

more money in the pocket Money, at times, does not stay in our pockets; we spend it as quickly as we earn it. This can occur when you are living from one payday to another. However, it is possible to play some mind tricks with money to reduce your spending. Here's how you can go about it.

13-07-2017 08:00:08
Stephanie Shaw

fun and cheap date night ideas You don't have to spend a fortune to have a good time; here are cheaper date night ideas that can be used to have fun filled outings with your loved one:

06-07-2017 08:00:04
Stephanie Shaw

things to do with paycheque Getting your first job is exciting, but the excitement can droop when you find yourself overwhelmed by the new challenges that come with the responsibilities. One of the main challenges is financial management. Here are a few tips that can help you manage your personal finances better.

29-06-2017 08:00:05
Stephanie Shaw

manage finances successfully Managing finances sensibly is the secret behind success. This is something that all financially successful people practice. They have made a deliberate decision to manage their money, taking calculated moves, risks and avoiding the pitfalls that can swallow their hard-earned cash. Here are five money mistakes that financially successful people avoid by all means:

22-06-2017 08:00:06
Stephanie Shaw

save money on electricity bills Power bills take up a substantial amount of household expenditure, and finding a way to reduce them is a relief. Here are five ways through which you can reduce your power bills.

16-06-2017 08:00:03
Stephanie Shaw

stay away from these spending mistakes There are some spending habits that push us to waste money we otherwise wouldn't. If we don't avoid or discard them we risk our financial health. Here are five spending mistakes that may be responsible for your poor financial health.

08-06-2017 08:00:05
Stephanie Shaw

manage your monthly income better You may be earning a decent income but still find yourself struggling financially. Every month you find yourself borrowing, and small emergencies throw you a curve ball. It's important to note that failure to manage the situation may only worsen the matter. As you get older and have a family, your expenses will increase dramatically.

01-06-2017 08:00:06
Stephanie Shaw

things to consider before you borrow Borrowing money provides you with the funds to finance your activities when you are short of cash. You commit to pay the full amount, as well as any interest charged within a given time frame. It's important to understand how borrowing affects you and your financial accounts.

25-05-2017 08:00:06
Stephanie Shaw

money-saving tips for winter Winter is with us again and it's a period when we can spend twice or thrice what we normally use on energy bills. We need to keep our houses warm but that doesn't mean we have to incur heavy bills, here are three tips that can help you survive winter without incurring huge heating bills:

18-05-2017 08:00:08
Stephanie Shaw

keep-details-of-all-your-expenses Have you ever wondered where all your money goes? Do you find yourself broke a few days after payday and can't tell where some of the money went? You have some habits that are holding you down even with a reasonable income. Here is what's affecting your finances even when you are receiving a good income.

11-05-2017 08:00:12
Stephanie Shaw

things to do on mother's day What a better way of treating your Mother this Mother's Day than a weekend trip? Taking her out on a trip will help her relax, break her normal routine and she'll come back rejuvenated. There are several treats that you can give her on this special day, from visiting resort spas, to a big city get away, visiting family or having an outdoor adventure.

05-05-2017 08:00:05
Stephanie Shaw

keep yourself fit and healthy Keeping yourself fit and healthy has lots of benefits. It gives you confidence, helps to avoid some life threatening health conditions and can also in build strong relationships. To most people, something that gives you such benefits can only be expensive but you will be surprised to find that you can get fit and healthy on a budget. Here are some tips on how you can get the figure that you have always wanted on a low budget.

13-04-2017 08:00:04
Stephanie Shaw

prepare holiday budget Taking a holiday is something we need to do at least once a year. Most people choose to take it during a particular time of the year and stick to that schedule, and it almost becomes a tradition. If that sounds like you, then you need to plan for it. You will need to have a budget but the question is, how do you go about it?

31-03-2017 08:00:30
Stephanie Shaw

budget for kids essentials An item that takes a significant amount of a parent's earning is their children. Children, right from their early days require clothes, food and in some cases, special foods or medicines. Knowing that you will always need to spend a significant part of your budget on children's essentials, it is important to come up with ways through which you can save on these items. Here are five suggestions to try to save money on children's essentials:

17-03-2017 08:00:50
Stephanie Shaw

know your credit score A bad credit score denies you the chance to obtain credit or increase your cost of borrowing, this limits our ability to grow financially or meet our obligations. Given the value of good credit scores it is important to know what steps to follow to ensure that you score highly in terms of credit levels.

20-01-2017 07:58:48
Stephanie Shaw

save money on home renovations Many Kiwis want to improve their home before summer kicks into gear and the renovations get pricier. It could be a small DIY project or something big that needs more money and time. Every little thing adds up in renovations. If you strategically plan the layout, materials and time involved, you could easily cut costs and save money without cutting corners

13-01-2017 08:00:20
Stephanie Shaw

make financial goals Every year you make goals to spend less, save more or become debt-free. The beginning of the year is one of the best times to assess and adjust your financial goals. To achieve financial success, developing good spending habits are of equal importance to saving or earning more money.

06-01-2017 08:00:56
Stephanie Shaw

set your goals for the new year Most of us are fired up and determined at the start of a new year as we set new goals and hope to make this year a great one. However, if you're trying to achieve someone else's goals, you'll easily fail. Find a goal that motivates you and aim to have a few life-changing goals set across all areas of life.

30-12-2016 08:00:02
Stephanie Shaw

make the new year your best year he New Year is upon us. It's that time again when many people indulge in retrospection and look back at their life choices. If you have failed to break your old regime this year, then now is the perfect time to improve your life by making a list of all the important lifestyle changes you want to do in the coming year.

19-12-2016 08:02:37
Stephanie Shaw

prepare your Christmas holiday plan Too busy to prepare for Christmas? If you're not as organised as you normally would be, and haven't prepared your Christmas holiday plan yet, don't stress out, you still have time to make things right. After all, the most important part of this time of the year isn't just the food or festive decorations - it's about spending time with your family.

15-12-2016 08:01:23
Stephanie Shaw

tips to keep your kids entertained School holidays are an exciting time for many of us as it's the time for fun and family bonding. However, as parents, you are always wondering how to keep your kids happy and fulfil their holiday wish list without breaking your budget. There are plenty of activities that can keep your kids busy and entertained without you reaching for your wallet.

09-12-2016 08:01:27
Stephanie Shaw

make the most of your Paycheque It's impossible not to be excited when your payday arrives. You work hard, put in long hours and even work overtime to earn enough money to cover all of your expenses and save some surplus for the 'fun'. As tempting as it might be to splash out on something flashy with your next paycheque, it's important to resist the urge to spend. Maxing out credit cards could rack up interest and could quickly get you in to debt.

02-12-2016 08:02:59
Stephanie Shaw

We are already in December and it's time to get our festive spending ready to go. Many New Zealanders plan well on what to buy for Christmas but may not plan enough on how they're going to pay for it. During this time of the year, both stress levels and credit card debt increases. Holidays should be the time for fun and joy and to keep stress as far away as possible. If you need extra money to pay for your holiday spending list, don't worry, you still have time to earn some.

25-11-2016 08:04:49
Stephanie Shaw

borrow what you need Applying for a loan is often a necessity. Most people are unable to purchase a sweet new ride or a house upfront without one. Although borrowing money is common, one can easily get trapped in an endless cycle of debt if spending is not kept on track. Smart borrowing isn't that hard. To help you with it, we've rounded up the following tips:

11-11-2016 08:09:20
Stephanie Shaw

what is a credit report There are more reasons than one to keep up an excellent credit score. If you ever want to buy a house, a brand new car or get an insurance policy, a good credit record could get you low-interest rates and premiums for your future purchases.

04-11-2016 08:03:49
Stephanie Shaw

save money at the grocery store Saving money on your grocery shopping begins way before you visit a supermarket. With a little planning and organising you can transform your shopping experience from stressful to serene.

21-10-2016 08:15:45
Stephanie Shaw

cheap, fun things to do on a weekend You've probably worked very hard throughout the week and are eagerly waiting for some time off. Long weekends are a great way to spend some extra time with your loved ones, especially if you haven't had enough downtime lately. Getting to the weekend and then doing something interesting doesn't have to be hard. Read more on how to make the most of your fun time off.

14-10-2016 08:13:12
Stephanie Shaw

sell your old stuff Now is as good a time as any to have a thorough clean out. Do you have lots of unused things and wondering what you can do with them? It can be overwhelming when you have plenty of old junk and want to get rid of it.

30-09-2016 08:12:36
Stephanie Shaw

thinking about spending money Before you start saving for a trip or thinking about spending your hard earned cash, you should think about money. Where does your money go? 'If only I earnt more, then I wouldn't be in so much debt.' Sometimes we end up in an ongoing moneyless cycle and live for each pay day. Some people even when earning a decent income have the same problem as people earning a lot less, it's all about changing your habits.

16-09-2016 08:07:32
Stephanie Shaw

borrow and lend things conveniently It's best to borrow and save money instead of buying things that you will only use once or twice. Every house will have clutter that is rarely used. You can save some cash and cut down on your expenses by borrowing certain things only when you need them. Lending has been around for a long time in human civilisation. If you have a good rapport with your friends, neighbours and community you could borrow and lend just about anything conveniently.

02-09-2016 08:02:46
Stephanie Shaw

shopping for good deals Mindful spending will save you money. Shopping around for good deals, spending just enough on clothes or shoes and passing on morning flat white coffees could help you in your saving goals.

18-08-2016 08:21:43
Stephanie Shaw

get out of debt quickly Whether it's credit card debt, a personal loan, a car, or a student loan - No matter what type of debt you have, by following the simple strategies listed below, you could pay off your debt quicker and start living the life you really want.

05-08-2016 15:28:25
Stephanie Shaw

Pokémon Go: the new augmented reality game for smartphones is the revival of the popular '90s game. This time around people of all generations have become enthralled and are getting into action to 'catch 'em all.' Even though the game's app is free, players are still spending heavily. If you and your family are taken by the Pokémon Go storm but are living payday-to- payday or have outstanding debts and loans to pay off, you should avoid making the following money mistakes. Not to mention, you should also talk to your kids about how to be safe and responsible when playing the game.

05-08-2016 08:12:45
Stephanie Shaw

things to do when you retire Retirement can be pretty appealing; sleeping in, golfing or traveling the world at your leisure. If your retirement is turning out to be too easy and you have nothing much to do, you could keep your life exciting and fresh with these activities.

21-07-2016 08:15:02
Stephanie Shaw

spending money on lunch An average daily spend on lunch ($10), coffee ($5), soda ($2), and snacks ($5-$10) may seem insignificant, it can add up over time. If you're a working Kiwi who eats out almost every day, then you could be spending close to $3600 this year just on lunch and coffee! Can you imagine what this amount would add up to over your entire work lifetime?

07-07-2016 08:16:35
Stephanie Shaw

clutter-free beautiful room What is great about living in a clutter-free space? Clutter is bad for both your mind and wallet. You will lose a lot of time searching for missing things around your cluttered home or office. Is it worth it to get charged with late fees on your credit card bill just because it was hidden under the piles of paper on your desk?

Note: The above is intended to be general information and not financial advice. Cashtillpayday does not give financial advice.

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