Your business overdraft is secured by your home. You also have a housing loan with the same bank of course – there isn’t any other way to do both.
When I first engage with a client and see their company I am looking for one key ingredient and that is; momentum!
Say you are planning the trip of a lifetime to an exotic location, just you and your partner. You start getting excited once you have made the decision to go and the …
Going shopping over the holiday period can be a bit like going into battle with retailers who use every sneaky scheme they can think of to get you to buy their goods.
For many businesses, using debt to either acquire other businesses, databases or to fund expansion activities is the only way to increase sales and profits when organic growth is just not fast enough.
Walk through any shopping centre and it is hard to miss the “Sale” signs out front of nearly every retail outlet. There is no doubt retailers are doing it tough right now but should this be a surprise to us.
In the months prior to the Global Financial Crisis fixed interest investors reveled in high interest rates offered by bank deposits, bonds and finance company debentures.
I entered into business later in the career path after a successful run in education…many ask and are surprised to find out there isn’t that much difference between helping a teenager to succeed …
Good communication is important in any relationship and one of the most vital subjects to discuss is money. It is surprising how many couples get together without having a frank and open discussion on how money will be managed in the relationship
Two new government schemes designed to improve access to funding for SMEs should help small businesses to grow.
Every entrepreneur who has ever dreamed of setting up or forming their own business start up is fully conversant as to how tricky it can be
Every Christmas it’s the same story for many families; not enough money to go around, overspending and an aftermath of too much debt, stress and depression.
There are many ways for business to increase productivity without investing in new systems or tools. All you need is objectivity and a flexible mindset.
You don’t need to be a financial expert to see that the economy is struggling. Disposable income is dwindling for many households struggling with rising food costs, energy bills and below-inflation pay rises, pay freezes or even cuts.
One of the traps of borrowing money in a low interest rate environment is not leaving enough spare money, or ‘wriggle room’ in your budget to cope with an increase in interest rates. This is particularly important to consider when you are buying your first home, upgrading to a more expensive home, or increasing your […]
We all dreamed of it on those days when the boss never seemed to stop nit picking, when we had to travel on weekends, when we were bored, over-worked, sick but company culture or your boss (see above) insisted you came in.