There is no doubt that all of us have been forced to make changes to our lives over the last year, due to the pandemic. Much of that has been largely outside of our control, but how we move forward is very much up to us.

In a nutshell, cashflow forecasting is the process of projecting what your income might be in the future, based on your current financial circumstances and a number of assumptions.

There is no doubt that 2020 has been a year like no other. We have all faced challenges we would rather not have, and for many that has caused us to re-evaluate and reflect on our lives. It’s easy to assume that just because we have always done something a certain way, it has to

You will recall that I recently shared with you what is inside your bucket. Why that is important and what you need to think about moving forward. So, this time we are going to focus on what’s outside of your bucket… In essence, everything that you can’t immediately turn into cash belongs in this category.

Many business owners assume that their business will be their pension. But making that assumption can be dangerous, so I want to share some things for you to consider. In light of what we have all faced in 2020, I think it’s fair to say none of us can make assumptions in life. And that’s

I know – you’re wondering if I have lost my marbles! Just what on earth do I mean about your bucket, and why does that even matter? OK, let’s step back a bit… Assuming you are not already retired, you have access to income and cash. We call that liquid assets. Or, in the world