10 things to say about gifts you don't like

Sadly many Christmas present miss the mark. They are not at all what the receiver wants. They waste a bunch of time and effort - not to mention the money.

That's part of why I wrote 10 Great Gift Ideas for people who don't want stuff. If you didn't get a copy (or you loved ones didn't) you may be receiving some less-than-welcome gifts.

This novelty Christmas card has some out-there ideas on what to say when you open that gift that leaves you speechless.

After Christmas, you may want to sell your gift online (and buy something you will actually like / use).
Download my free guide Less Clutter More Cash.

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Less Clutter More Cash - now available

Do you feel like you have too much stuff? Is your home full of things you never use? Would you like to swap them for cash? We did My wife and I have sold more than 550 items online as we downsize and we've learnt a bit along the way. I've put some of our best tips into this handy ebook. I hope you can use these tips so you too can have less clutter and more cash. Enter your email address below to receive the book for free. Less Clutter More Cash Get my new ebook for free. PS. This will subscribe to the But Wait There's Less email list, so you'll know when the new updated version of the book is available. You can unsubscribe at any time.

Motivated money - book review

This book is often recommended. The author sees shares as safer than term deposits, prefers low dividends and isn't keen on property. I was keen to read it. Here are my highlights: Two tips Spend less than you earn. Borrow less than you can afford. Those two tips alone would help so many people. Assets and liabilities What we often call assets are really liabilities (they cost us to maintain). Houses, cars, boats can be liabilities - useful for "status or position in the pecking order" . He uses the example of a retiree with $3 million in assets. A million dollar house, a million dollar boat and two $500k cars. They sound wealthy but how will they buy food, let alone pay the ongoing costs of all those items. By contrast, assets bring in an income. Attitude to shares He says the sharemarket is our friend, and "provided it is treated with respect, it creates appropriate wealth for all those who use it sensibly. However if we approach it as a gambler, we need to be prep...

Four Thousand Weeks - Time and How to Use It

First question. Why 4000 weeks? That's the average human lifespan. If you're reading this you've probably used up 1000 already. If you're a bit older you may have only 2000 left. Maybe just 1000. That can be a startling thought - given how quickly each week goes by. There's so much wisdom in this book, it's hard to summarise it briefly. But I'll give it a go.... Face the Finitude If time was infinite, we could work for 40 years and not miss out on anything. We could spend frivolously as we could always earn more money later. But in the real world there are time limits. Even if we have enough money to escape the nine-to-five, our time (though more plentiful) is finite. Just like money, we will run out if we fritter it away on low-value options. "Face the Finitude" has become one of my internal phrases now. It's my reminder that I don't have infinite time to waste. It may be helpful to think of it like money. eg. I might like something, but d...

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