The #1 Cause Your Spending Gets Out Of Control?

Sometimes it just doesn't take much for something to trigger an out of control wobble, right? Could be the kids, could be work, could be your partner, or a multitude of other reasons.

Do you know what the number one cause of losing control is? What gets us anxious?

It's Money.

Do you control your money or does it control you?

Whether you are starting your financial journey out of Uni, getting your first job, climbing the career ladder, jumping into, or out of a relationship, buying property, or even starting a business, you need to take control of your financial future.

There are a heap of 'Manage Your Money' APPs and Software Platforms out there now.

They're a fantastic start for anyone that doesn't have control over their money.

They scrape your bank accounts and show you what you are spending and categorise that spending, so you roughly know what you are spending your money on.

Better to know than not to know, right?

These Apps aren't really going to let you get ahead, or save, they just help you to not overspend.

Now if you are really serious about getting on top of your money, you need to be preparing a budget of your cash-flow.

But no-one wants to create a budget. That's way too hard. Unless . . .

Your Spending Plan from Your Money Sense is a budget planning tool, stepping further into managing your spending categories than the account scraping APPs, in order to save you real money, and put more in your pocket, and even get you saving for those bigger purchases or life-event needs.

It's a step-by-step module course showing you how to gather, categorise and act on your expenses and make real savings.

Your Spending Plan is not an automated scraping tool, like the multitude of APPs out there, as the information needs to be accurate and detailed.

I won't sugar-coat it, there is manual entry required to get it started so you will need to gather your bills and expenses together.

One of the great things about the Your Money Sense course is that it guides you through each step like an easy course, so you know what to do and have plenty of time to do it.

Once your money flow is categorised you can model your expenses to see what a slight adjustment can do to affect your savings in the short, mid or long term.



Best created on a desktop, the smart dashboard shows you what your ideal target expenses should be and once you have made some realistic changes, what your expenses target looks like.

Your Spending Plan is a living breathing document that you can, and will want to, adjust every month, if not more regularly.

If you really want to get on top of your money – control it rather than letting it control you – then you should use Your Spending Plan. It should end up saving you considerably more than it costs each month.

Do you control your money or does it control you?

Whether you are starting your financial journey out of Uni, getting your first job, climbing the career ladder, jumping into, or out of a relationship, buying property, or even starting a business, you need to take control of your financial future.

There are a heap of 'Manage Your Money' APPs and Software Platforms out there now.

They're a fantastic start for anyone that doesn't have control over their money.

They scrape your bank accounts and show you what you are spending and categorise that spending, so you roughly know what you are spending your money on.

Better to know than not to know, right?

These Apps aren't really going to let you get ahead, or save, they just help you to not overspend.

Now if you are really serious about getting on top of your money, you need to be preparing a budget of your cash-flow.

But no-one wants to create a budget. That's way too hard. Unless . . .

Your Spending Plan from Your Money Sense is a budget planning tool, stepping further into managing your spending categories than the account scraping APPs, in order to save you real money, and put more in your pocket, and even get you saving for those bigger purchases or life-event needs.

It's a step-by-step module course showing you how to gather, categorise and act on your expenses and make real savings.

Your Spending Plan is not an automated scraping tool, like the multitude of APPs out there, as the information needs to be accurate and detailed.

I won't sugar-coat it, there is manual entry required to get it started so you will need to gather your bills and expenses together.

One of the great things about the Your Money Sense course is that it guides you through each step like an easy course, so you know what to do and have plenty of time to do it.

Once your money flow is categorised you can model your expenses to see what a slight adjustment can do to affect your savings in the short, mid or long term.

Best created on a desktop, the smart dashboard shows you what your ideal target expenses should be and once you have made some realistic changes, what your expenses target looks like.

Your Spending Plan is a living breathing document that you can, and will want to, adjust every month, if not more regularly.

If you really want to get on top of your money – control it rather than letting it control you – then you should use Your Spending Plan. It should end up saving you considerably more than it costs each month.

START HERE >> www.yourwealthvault.com.au

7 Steps to a Financially Independent Divorce

Are you a single parent? It’s more common than you think. The first thing to accept is that you are now financially independent, or need to be. At first that can seem overwhelming, particularly as a single mum. Just understand that there is plenty of help out there if needed. There is such a great network of support through women in business networking groups on Facebook and LinkedIn. And they really are very supportive and helpful with lots of personal experience to tap into.

Get out and live your life, personally and in business. Embrace your kids, activities, the city, and financial opportunities. And take control of your finances; understand them and rework them to suit your new lifestyle.

Here are 7 financial steps to get you back on track after divorce:

1: Embrace that you are now financially independent. Yes, you may be eligible for child support, but also remember this, you may not end up getting it. But you can control how much you earn, and you can earn far more than a judge may order you be paid. It’s also very important at this stage to move on emotionally in this phase of your life; don’t rely on someone else.

2: Set some short- and long-term financial goals. In the short-term you may need to pay off a credit card bill, build an emergency savings account, or simply put; make more than you spend. Your longer term goals may include buying a home, saving for your kids’ college, or investing for retirement.

3: Set quality of life goals. There is no point in paying off a credit card bill if it means you work so much that you never see your kids or have time to exercise. Consider free time, quality time with your family, for their health and well-being. Think about how your money and life can work together.

4: Decide to make more money. Take a mentor, someone you know is doing it well, out for coffee to learn about opportunities in your profession. Research about doing further study. Consider starting your own business. Talk to your boss about working from home and other life-balance arrangements.

5: Get rid of bills for stuff you don’t need. Haven’t been to the gym in six months? Get real with yourself and cancel that bill. Look at your mobile phone and cable bills – can you trim down your services?

6: Go on a shopping diet. No more trips to the shopping centre to browse, on or offline. Make a strict list before stepping foot there, and do no stray into the cosmetics department for a “treat” no matter how good a deal it is! By making each purchase a conscious one, you will feel empowered and confident about your money.

7: Give yourself a break. Getting back on your feet after a divorce can be a long process full of setbacks. But this can also be one of the most exciting and empowering times of your life.

For most single parents, their lifestyle will be different from the past because of their changed financial circumstances. Try not to dwell on the past, and how different it may have been, because it will just eat away at you emotionally.

Build a financial plan that outlines your assets, income streams (from investments and working) and obligations (debts, living costs etc). Calculate a cost of living figure and come up with an amount that represents the weekly, monthly and annual commitment. If there is a gap between cost of living and income (wages, investment income and government entitlements) then develop a plan to plug that income deficit.

Here’s a helpful downloadable guide to take back control of your financial situation. 6-steps to Financial Security, a Free e-book from Your Money Sense. It’s a good starting point to get you in the right mindset to manage your money.