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Big Purchases & Life Changes
Decision guides for pay rises, lifestyle changes, big purchases and planned future spending.
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Big Purchases & Life Changes guides
Clear explanations with practical next steps and relevant tools.
4 articles
What Should You Do With a Pay Rise? A Practical 25%, 50%, 75% Plan
A pay rise can improve your life now and your finances later. Use 25%, 50% and 75% saving scenarios to decide how much of the increase becomes lifestyle and how muc…
Lifestyle Creep: Why More Income Does Not Always Make You Feel Richer
A higher income can disappear into nicer versions of ordinary life: a better car, more delivery food, upgrades, subscriptions and convenience spending. The fix is n…
Sinking Funds: How to Pay for Big Costs Without Raiding Your Emergency Fund
A sinking fund turns a predictable future cost into a monthly line in today’s budget. It keeps annual bills, holidays, car repairs and Christmas from repeatedly bec…
Can I Afford This? A Simple Test Before Any Big Purchase
Before spending thousands on a holiday, wedding, furniture, bike or tech, run four tests: protect emergency cash, price the full cost, compare saving time with borr…
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