Money Management


This guide presents the view of the author, and must not be considered financial advice.
This guide serves as a primer. If you need further information use any Further Reading Links or get proper financial advice from a qualified expert.



Consider the following statements;

• Money can be daunting, anxiety generating and/or just not interesting.
• Money can be fun, bring happiness and even life changing if managed properly.
• Money can be both of the above, but I just never have enough.
• I want more money than I can spend.

If you agreed with one or more of the statements then this guide could be for you.

Let one thing be certain, if you want to reach your financial goals, it wont happen on its own. You need to take control, make a commitment, and work at it.

Why Money Management is Important

Money can’t bring happiness but it can generate unhappiness if poorly managed. Money is essential for all basic services, a roof over your head, water, electricity, sewerage, medicine, food, transport. Unless you want to live as a cave dweller (catering for all your own needs), which you have the right to, money is important.

Creating a high net worth provides security, an extra boost by making your money work for you instead of the other. This does not have to stop your continued working life, but it may give you the flexibility to do want you want instead of what you have to do. A high net worth when leveraged properly provides a steady passive income and can be used to easily invest further.


This guide is intended to be a straight forward guide in everyday language. This section is deliberately condensed as something too large won’t be read, and / or put the reader to sleep with waffle.

This guide is not a definitive answer for all problems. It’s a starting point for you to take charge. It is based on personal experience of the authors and as such is point of view. Some sections will work for you and others not – you do not have to agree. Adapt as you see fit, but always remember the lesson and it’s required outcome.