Enjoy the self-employed lifestyle

Whether you like to work hard, play hard, or just want to fit your business round your everyday life (or the other way round), being your own boss is not always what it's cracked up to be. We can help you ensure you get the best of both worlds
Being self-employed is great. You set your own salary and have the freedom to do whatever you want, whenever you want. Yeah, right! Running your own business can also be very stressful, it can be hard to find enough time in the day, juggling family and work responsibilities can drive you round the bend. This section of the site will help you regain your sense of control and find ways to enjoy what your business should be about - your lifestyle!

Make the most of being your own boss

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A small change in your interest rates can make a big difference to your mortgage and your bottom line. Stuart Wills has some tips to help you save money.

Check Your Interest Rate

It will take you less than two minutes,

But could save you $1,000’s,

Or mean you can pay your mortgage or business finance off years earlier!

Small Changes Can Make Big Differences

We recently visited a couple who had a $350,000 mortgage on their home and were being charged an interest rate of 5.65% from their bank. Straight away we knew that their bank was not offering them the best interest rate.

This couple agreed to some... more

Calculator
If you’ve ever spent hours trying to work out what price or rate to charge, or come away from a negotiation thinking ‘I’ve undersold myself – again!’ you’re not alone. Hannah Samuel has some great advice to help you charge what you know you are worth.

Determining what you’re worth, or what to charge, is critical – not only in terms of the profit we want to have at the end of each month or year – but also to our sense of self-esteem and self-worth.

There are numerous ways of determining price, but before you work out any kind of dollar amount, it’s worth taking stock of the three ‘C’s that will directly impact the price you settle on.

To be paid what you’re worth you need:

Confidence

First and foremost, are you... more

Some basic guidelines for home business operators who would like to try some DIY aromatherapy but haven't yet had the courage.

As we all know, running a business from home is rather stressful, especially when juggling it around family life. It\'s not even the children pestering you all the time, or the pets who are bored and think you should be playing with them because you are at home. I personally find it is more trying to reserve energy to keep the house maintained when all I really want to do is create and design. I enclose myself into my own little world, and then discover what I thought would just be an... more

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Easy steps to sustainable homes. Benefits to all now and the future. Save the planet. Save energy. Save water. Save $$$.

Start with what you really need, rather than all the bells and whistles. People put more thought into the fittings which can be replaced and often are, than those areas of the house that are not so easily accessed once built.

Sustainability need not cost the earth, ignoring to make simple steps could cost the earth for our grandchildren. Choosing products that suit your way of life carefully and getting the right advise is a priority and will most certainly add value to your home and... more

How to break out of the work rut
Spring has sprung, the grass is riz, what comes next is up to us. It's so easy, as seasons change, to drift along, losing sight of what's important - both to us and to our business. Spring is here - and Christmas is in sight. Why not just cruise? Even when you value work / life balance, you really can give more to your business and life by keeping things interesting.

When the seasons change, it’s hard to stay productive. Eventually monotony will set in and you’ll switch over to autopilot. Unfortunately, it’s not something that caffeine or a prescription will really fix. Here are a few simple adjustments to help you get the most out of yourself and your team.

Set a home schedule

We get so set in monotony that our lives blend together like a vat of vanilla ice cream. Switch things up for a few weeks. Set a... more

Are you achieving what you want to achieve in your life? Clare Mann says it all comes down to articulating your dream

Many home and small business owners face challenges in creating an integrated lifestyle. Barriers may stand in the way of you making the necessary changes for personal fulfilment.

There are many reasons that stand in the way of us changing our lives. Some have

1) We resist the anxiety that results from relinquishing alternative choices.
In choosing to change our lives, we are inevitably are faced with the dilemma of turning down alternative courses of action. Although the... more

Busienessman showing resilience
Resilience is critical if you want your business to survive and grow. An unplanned "aha!" leaves Eileen McDargh reflecting on four key actions which will boost your ability to get back up and carry on when you need to.

I left the hotel in downtown Columbus, determined to take a brisk jaunt before preparing for my keynote address in the convention center.  Not knowing the city, I spied signs on street lamps and taped to the sidewalk that read "Make-A-Wish Walk."

A great idea!  Surely the path would be around safe and interesting neighborhoods.

To my delight, I ended up in a large park just down from the Ohio State campus where families of all sizes had gathered to START the walk. Funny, I had... more

Retire in style
No matter what your age or stage of life, every business owner needs to be preparing for a happy, healthy and well funded retirement. Duncan Balmer has some tips on where you can start

Business owners can sometimes get so caught up in the day-to-day management of their businesses that they find no time to step back and make broad, long-term plans for their retirement years. This article discusses the basic issues that must be addressed when planning for financial security in retirement.

First of all, there is the question of how long you are likely to live. Everyone knows that males and females are living well into their 70s and 80s on average, and many people are... more

budget numbers
As mortgage advisers (brokers) we meet people all the time who want or need some tools to assist them with managing their money, their expenses and their debt. Heaps of these people are already very organised and are looking for a smarter easier way to do this while heaps of others have their finances in a complete mess but have recognised the need to get themselves sorted out better and are really looking for an easy way to get started.

As mortgage advisers (brokers) we meet people all the time who want or need some tools to assist them with managing their money, their expenses and their debt.

Heaps of these people are already very organised and are looking for a smarter easier way to do this while heaps of others have their finances in a complete mess but have recognised the need to get themselves sorted out better and are really looking for an easy way to get started.

There have been numerous concepts... more

When you believe in yourself, the world's your oyster. Nicole Atias steps you through how to enhance your confidence and how not to allow others to pull you down

Where would you like to see yourself personally and professionally in the next 5 years? What career path have you chosen? How far are you willing to go to achieve your desired goals?
Building a business of any kind takes work and patience. Most people complain that they are NOT where they want to be in some areas of their lives, but do nothing to improve their situation. Don't be one of them.

Instead, get out there and test yourself. Test your strengths and... more

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