Underlying reasons for overspending. Sorry to break it to you but you could be the reason... This article outlines the most common reasons for not succeeding with a budget. It's the first step in getting your money on track.

The way a person spends their time and money is a reflection on their values. Are you trading your time and money for things that are the most important to you?

Change the way you think about your money and it's potential. Stop overspending to fill a void in your life.

An emergency fund is a separate stash of money to use in case of emergencies. A top priority for a successful budget. This should be kept separate from all other money to be only used for sudden and unplanned expenses.

A great place to start. Follow these 7 easy steps, 1 each day for a week to start to get your finances in shape. Too much to do? Try and achieve 1 each week for the next 7 weeks instead.

From July 1st 2018, the Australian government will charge GST on all purchases under $1000 adding extra costs for us and possibly stopping overseas sellers trading with Australians.

Break these 15 bad habits and any more you can add and turn them into good habits instead.

Try putting these 15 good money habits into action to improve your finances and improve your life.

Do you need to look at your money and turn bad money habits into good money habits?

Read my expense report. It's unbelievable how much we give companies. Figure out your expenses for 1 year. What is the total of your yearly bills and expenses? Is it more than you thought it might be?