I am staggering, limping, into Christmas. Happens every year. Work like crazy through December … to end another year of crazy. Attend about 50 pre-Christmas catchups, leaving a liver in need of detox. Just like you. It’s simply life as a Gen Xer. We’ve got a lot on our plates. Stuff falls off all the […]
WHOA! Hold on a minute. I have to choose? Um, I can’t. Further, I won’t. If you think the decision is simply about which has the best headline interest rates now … you’re deluded. (And further, it’s not an either/or choice.) The main reason to choose variable rates is […]
Easy! Borrow until your nose bleeds, you can’t sleep at night, or you’re finding it hard to breathe. Then pay a little back. Nope. That’s definitely not the way to do it. But there’s no simple calculation either. How much borrowing is too much is as personal as a finger print. For some, the right […]
Well, that depends, doesn’t it? Perhaps just wriggle your way into a some $10 Kris Kringles, and you’ll be right, hey bro? But, sadly, a tenner won’t wrap a six-pack of beer, a CD, or a even a decent box of chocolates. And with roughly 94 Christmas drinkipoos in the next 25 days – to […]
Wrong question. Try this one: “How much do you love your partner and/or kids?” Life insurance covers your family when you can’t fog up a mirror anymore. That is, you’re dead. An unfortunate situation to find yourself in. But even less fortunate for your family. You’re not around to earn an income for the next […]
Sometimes, saving is easy. Other times, some effort is required. Occasionally, you need to have a little fight. Mrs DebtMan announced a year ago that by driving an extra five minutes each way to a different supermarket, she saved us $100 a shop. “Soooo,” came my query, “why don’t we do this every week […]
Been thinking about a self-managed super fund? Listen to your gut. What’s it telling you? If you’ve been researching SMSF … and you think you’ve got the requirements covered … you’ll probably know it. But if you’ve been looking into it, but still question whether a SMSF would suit you, continue deliberating. Don’t start […]
Pick winners. Punt big. Celebrate hard. Shout lots of drinks when you win, so everyone knows you’re the bomb! That’s the dream. The reality can be a nightmare when you’re half a pay packet lighter. How could you could be so bad at punting? Melbourne during Cup Week is awesome. I’ve made it to Flemington […]
I have a mate who once declared: “I earn enough money now that I shouldn’t have to cook for myself anymore”. No secret, he couldn’t cook much beyond scrambled eggs. It would probably prolong his life if he let others permanently cook for him. When it comes to me and Mrs DebtMan … the costs of […]
When the house-buying lightning bolt struck me, Mrs DebtMan wasn’t ready. “No! You can’t buy a home until WE can buy a home,” she said. We weren’t married. We were living together, playing house. Where I had savings, she had none. And where she had credit card debt, I had none. I gave her […]
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