“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” (Ayn Rand) In Women’s Month, it’s right to reflect on how far we have come regarding women’s rights. The equality of the sexes is pretty universally agreed. However, we also shouldn’t lose sight of…
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“All happy families are alike; each unhappy family is unhappy in its own way.” (Leo Tolstoy) What is a family constitution? You may have heard people referring to their Family Constitution, Family Charter or Family Protocol. These are all different ways of describing a document that sets out the rights, values, responsibilities and rules applying to…
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“It takes as much energy to wish as it does to plan.” (Eleanor Roosevelt) A lot of people don’t like budgeting. Many try it for a few months but give up because it’s too inconvenient. They feel it restricts their enjoyment of life and leaves them feeling guilty about spending. Household budgeting also often falls…
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