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Take control of your money

By Advertising Feature - 14 November 2011 36

money

If you don’t know where your money goes each week, you’re not alone. Most people have no idea what happens to their money.

Focus Your Money is your very own money coach. Come to us and learn where your surplus money goes. Then use our tools to take control of your own finances.

We help you to change spending habits built up over many years and teach you new ones so that you can live the way you want AND achieve your financial goals.

Our Personal Money System program helps you get control of your money. You will learn:

    — seven ways to get more out of your money while reducing debt
    — how to reduce your debts and enjoy living without credit cards
    — how to minimize your interest costs.

We will:

    — help you to simplify those credit card-related complexities
    — help you to put together a personal budget planner that outlines all your liabilities, living expenses and entertainment
    — find out where your money may be leaking to so you can stop it before it’s too late
    — show you how to more effectively pay off your loans
    — show you how to work out the annual budget for your business without an accountant
    — show you how to work out the costs of buying and maintaining a new car
    — show you how to work out the costs of doing up your house and how to work out the estimated value of your property.

We will also send you a monthly newsletter full of great money-saving tips.

You can also download a CD on financial coaching and a book full of tips and information to turn around your finances.

Our Personal Money System program provides you with specific recommendations to suit your spending and savings abilities.

Learn how to develop a lifetime budget so you can see what you can afford to spend each year, and how much you should save.

See how you can enjoy a sustainable living standard every year of your life, both before and after you retire.

You also have the option of a two-hour session with a financial coach and money expert plus ongoing appointments to help you tailor your Personal Money System program and help you reach your financial goals.

Call me, John de Ridder, on 0419 427 419 and take control of your finances today.

[Photo by martinhoward CC BY]

What’s Your opinion?


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36 Responses to
Take control of your money
16
Jivrashia 9:30 pm
14 Nov 11
#

poetix said :

The Chronicle was made for your anus’s more pressing demands.

WHAT THE HELL AM I READING?!

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17
LSWCHP 10:11 pm
14 Nov 11
#

Stevian said :

poetix said :

Grail said :

In addition to the “spend less than you earn” method of budgeting, here are some ideas for people who are struggling to make ends meet:

Get rid of the TV. No Foxtel, no TransACT, no Wii/XBox/PS3
Get rid of the telephone and Internet connection, switch to a mobile phone plan worth about half the monthly telephone/internet costs
Take up gardening instead of watching TV or playing computer games: this is especially useful if you grow your vegetables from seeds that you’ve collected yourself!

Never eat anything but gruel, although at Christmas you may eat your pet.
Shank’s pony is the only proper means of transport.
Each teabag to be used until the water is totally un-tead.
Cask wine is quite adequate for a birthday treat. Use the liner to scare birds from your vegetables, and the box to make fun Christmas presents such as ‘cask-people’.
The Chronicle was made for your anus’s more pressing demands.
KFC is a ‘restaurant’.
Holiday in Canberra! It has everything you’ll ever need.

We should be thankful we live in a world where frugality is a joke.

It wasn’t so long ago that such extreme economies were the norm. A few of us are willing to learn from history, but people like you seem intent on dooming us to repeat our mistakes.

My parents are children of the Great Depression. The grew up in rural NSW with no electricity and no cars. Mum still gathers all the little tail end pieces of soap and mixes them together to make a big piece. She also advised me a while ago that I can save on my rubber band expenses by cutting old rubber gloves into strips. The fingers make small rubber bands, the wrist sections make large rubber bands.

I’ve been hearing stuff like this all my life. They were poor and hungry as kids, and that has never left them. It’s soaked into me as well. have one credit card which gathers dust, and I haven’t paid a cent of credit card interest since 2002.

Spend less than you earn. Don’t use credit cards. Purchase things with money you’ve saved up. Live like that, be debt free as far as possible, and you’ll fell a helluva lot better in yourself.

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18
ScienceRules 10:32 pm
14 Nov 11
#

+ a bajillionty

Another RiotACT massacre. I love you guys!

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19
m_ratt 10:54 pm
14 Nov 11
#

LSWCHP said :

have one credit card which gathers dust, and I haven’t paid a cent of credit card interest since 2002.

Don’t use credit cards.

I have a couple of credit cards, used almost daily.
I haven’t paid a cent of credit card interest _ever_.

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20
LSWCHP 11:12 pm
14 Nov 11
#

m_ratt said :

LSWCHP said :

have one credit card which gathers dust, and I haven’t paid a cent of credit card interest since 2002.

Don’t use credit cards.

I have a couple of credit cards, used almost daily.
I haven’t paid a cent of credit card interest _ever_.

My hat is off to you. Unfortunately, most people aren’t able to work like that, and end up throwing money away in pointless interest charges. It’s very easy to fool yourself into thinking “I have $1000 in the bank, and I owe $1000 on my card, therefore I have assets of $1000”. The evil banks rely on this sort of thinking to make their profits.

I stood behind a woman in a bank one day. She was complaining that a credit card transaction had been refused. The teller explained that the transaction had gone hundreds of dollars over her $5000 credit limit, thus causing the problem. The woman said that her card had been maxed out for years, and she always went over her limit, but paid it back so it was slightly below the limit each month. She was really upset that things had gone wrong this time around.

So there’s someone who had been paying probably $1000+ annual interest on her credit card debt for years. I suspect that that’s a lot more representative than your card usage, or mine.

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21
EvanJames 2:36 am
15 Nov 11
#

Stevian said :

We should be thankful we live in a world where frugality is a joke.

If you’re a single hoping to own your own home in the age of the Working Family, you can try frugality before the maths have you subsiding into a gibbering jelly.

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22
Deref 7:13 am
15 Nov 11
#

LSWCHP said :

I stood behind a woman in a bank one day. She was complaining that a credit card transaction had been refused. The teller explained that the transaction had gone hundreds of dollars over her $5000 credit limit, thus causing the problem. The woman said that her card had been maxed out for years, and she always went over her limit, but paid it back so it was slightly below the limit each month. She was really upset that things had gone wrong this time around.

[Facepalm] A fine example of stupidity being its own punishment.

Report this comment

23
astrojax 8:09 am
15 Nov 11
#

MERC600 said :

” Most people have no idea what happens to their money.” Regret I know where a good deal of it went; Pies to win back to back.

c’arn those cats! sadly, had no money on that…

Report this comment

24
poetix 8:24 am
15 Nov 11
#

Stevian said :

poetix said :

Grail said :

In addition to the “spend less than you earn” method of budgeting, here are some ideas for people who are struggling to make ends meet:

Get rid of the TV. No Foxtel, no TransACT, no Wii/XBox/PS3
Get rid of the telephone and Internet connection, switch to a mobile phone plan worth about half the monthly telephone/internet costs
Take up gardening instead of watching TV or playing computer games: this is especially useful if you grow your vegetables from seeds that you’ve collected yourself!

Never eat anything but gruel, although at Christmas you may eat your pet.
Shank’s pony is the only proper means of transport.
Each teabag to be used until the water is totally un-tead.
Cask wine is quite adequate for a birthday treat. Use the liner to scare birds from your vegetables, and the box to make fun Christmas presents such as ‘cask-people’.
The Chronicle was made for your anus’s more pressing demands.
KFC is a ‘restaurant’.
Holiday in Canberra! It has everything you’ll ever need.

We should be thankful we live in a world where frugality is a joke.

It wasn’t so long ago that such extreme economies were the norm. A few of us are willing to learn from history, but people like you seem intent on dooming us to repeat our mistakes.

‘People like me’ aren’t always serious, Stevian. You seem to notice this, than fade back into a tired little homily. I forget that some people are a bit frugal on the funny.

We are commenting on a thread leading from an advertisement; a way for people to be parted from their money, in order here, to save money. This struck me as slightly odd. Hence my ‘That’ll be $500’ that you didn’t reproduce. And lists of ‘good ideas’ are always slightly patronising, I feel.

How does my defending the enjoyment of good wine and food ‘doom’ *you* to making mistakes, anyway? Please go ahead and save as much as you like, and enjoy yourself as little as possible.

Report this comment

25
blindcommissioner 2:14 pm
18 Nov 11
#

Watson said :

– find out where your money may be leaking to so you can stop it before it’s too late –

It’s about 7 years too late for an abortion…

Its all about planning..you have at least another 14 years of spending to go.

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26
blindcommissioner 2:16 pm
18 Nov 11
#

Henry82 said :

Classified said :

Try this: spend less than you earn and save/invest the rest. Worked for me.

Yep, what he said.

Also, if you’re low on funds, don’t waste money on booze, cigarettes, flashy cars, consumer electronics, 42″ plasmas, junk-food, and fast-food.

Its all about spending between wants and needs. Most people I come across can’t tell the difference.

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27
SusanV 6:11 pm
25 Apr 12
#

I’m also a big fan of saving while you are paying off debt. Behavior is a key element of getting out of debt. You want to establish a good overall financial habit rather than just paying off debt. It is mathematically inefficient to save while paying off debt, especially if you have high interest debt. Are you going to pay more interest in the long run? Yes, but you will have established a solid basis for when you are out of debt. The worst thing to do when you get out of debt is to get back into debt with some online loans no credit check, because you forgot about the saving portion of your financial habit while focusing on the paying off portion.

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28
Jethro 7:22 pm
25 Apr 12
#

Are the ‘7 ways to get more out of your money while reducing debt’ the same as the 7 dot points underneath?

If so, I have scored a free path to richdom.

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29
Very Busy 10:03 pm
25 Apr 12
#

My general rule: Never borrow money to buy a depreciating asset. Follow this rule in the first place, have a job, take an interest in where your money goes, and you’ll never need a “money coach”.

…….and have any riotact readers used the services of this mob? any good?

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30
milkman 8:04 am
26 Apr 12
#

Very Busy said :

My general rule: Never borrow money to buy a depreciating asset. Follow this rule in the first place, have a job, take an interest in where your money goes, and you’ll never need a “money coach”.

…….and have any riotact readers used the services of this mob? any good?

Which means that if you want to get ahead, you need to borrow for appreciating assets?

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