PhD update, November.

I am not sure if it is the fact that it is half-way through November, that I have a million and one things to do, that I had a whirlwind trip around the USA for a couple of weeks, or (my money is on this one) a combination of all the above. But, I am feeling slightly unmotivated and overwhelmed […]

Read More →

Retirement Plans: Do You Need One?

** In Collaboration**  Retirement planning relates to the process of making financial plans for the period of your life when you will have stopped working. In general, this process involves depositing money into a retirement account. Yet, there are many types of retirement plans available, and so it is imperative to assess your options carefully. A lot of people will already have a retirement plan in place with their employer. In this instance, contributions are deducted from the employee’s paycheck before they receive it. However, not everyone is in traditional employment and many people want to look into the prospect of additional pension plans. This blog post will reveal the various reasons why you need a pension plan, as well as provide you with some excellent tips on saving for this period of your life. Continue reading to find out more… Why do you need a retirement plan?   It is quite simple; time is everything. This is the most important component in relation to saving for the future. In your early adult life, it may seem strange to consider aged care facilities and the cost of living once you have no income, but if you don’t address it now, it will be too late. It is clichéd, but every dollar really does help, and so even if you can only afford to contribute a small amount to your retirement plan in the beginning it is still worth it. Moreover, […]

Read More →

Key Steps to Live a Comfortable Lifestyle

** In collaboration**  Most people are likely to experience hardships throughout their lives, including some relating to money. Being able to live a comfortable lifestyle for your whole life might seem impossible, but there are ways to make sure that you always feel happy and fulfilled. Of course, everyone has a different definition of just what “comfortable” means. For some, it’s never having to worry about money. For others, it might mean always being content and satisfied with the choices you make. If you want to live a comfortable lifestyle, there are various ways you might approach this goal. Here are some of the things you might do. Create Income Security Dealing with money problems is something that many people find themselves having to do. In fact, most people are likely to struggle financially in some way or another during their lives. While you might not be able to guarantee a stable financial situation forever, you can take steps to create income security. Firstly, finding a reliable employer and a job that you’re good at is a good start. However, many people don’t want to have to rely on an employer for their income. Other options include starting a business, making investments and setting up different income streams from various sources. Set a Comfortable Budget If you want to be financially comfortable for as long as possible, you need to set a budget that you can follow. Firstly, you have […]

Read More →

Another personal story

I wasn’t sure if I would write a blog post about this. But sitting here in Lorne (one of my favourite places), looking out onto the ocean, and remembering all of the wonderful things that is Jake, it felt right to write. I choose to take a few days away by myself for the ‘year since’. Self-reflection for me is so important, and in truth I couldn’t face being around people this weekend. It is so interesting because you never think tragedy will happy to you, and you can never predict how you will deal with it when it does. For me this last year has been a learning curve I never expected or wanted. I won’t dwell too much on the past year, apart from noting that perhaps one of the oddest feelings is not being able to remember the end of August through to January last year (apart from a few small memories). I went in to autopilot and my brain cushioned me from the grief by not letting me remember, which I am thankful for. However, the fact that I can’t remember four months of my life has given me even more inspiration to live in the present. I want to remember the big things, the tiny things, and everything in between. I also honestly wouldn’t be the person I am today if it wasn’t for the people around me. “it takes a community to get here” […]

Read More →