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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.
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Man Down

How is it possible for a book to be depressing, supportive and hopeful all at once? Man Down looks at the problems men have today and how it managed to get this way. What price 'success'? It seems so many of the problems come from the external pressure to be a 'success' - whatever that means. Over time this pressure becomes internal and drives us to make decisions to satisfy that pressure, but which are detrimental in so many other ways. It can be the pressure to take a 'successful' career, though it's one we don't want or aren't suited for. Or to take a promotion, because salary is apparently success - or at least it buys all the things that signal success to others.  The promotion only means more pressure, less sleep, and poorer health. At the same time the extra responsibility takes away from our ability to exercise, take care of our health and form social connections. The lack of social connections means that retiring is one of the most dangerou

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

Minimalism Documentary - for FREE online

 The Minimalists' first documentary - "Minimalism" is now available to stream for free. If you'd like to know more, check out my original review of the movie. Otherwise, kick back and enjoy the movie...

How to never worry about the share market

The Ulysses Contract doesn't sound like a book about investing. The subtitle "How to never worry about the share market again" is what grabbed my attention. The book is mostly about the mindset and strategy of investing in shares. The obscure title refers to Greek mythology, the temptation of the siren songs, and the measures Ulysses took to keep his ship and crew safe - including being tied to the mast of the ship, to hold himself to his own plan. In the book, Michael Kemp outlines the temptations (siren songs) in the share market, gives some solid guiding principles (the mast) that investors can secure themselves to, and outlines his idea of a Ulysses contract for investing. The temptations include spending too much on consumer items (it's hard to invest if we spend all our income) doing what everyone else is doing (when the crowd is selling, it might be the best time to buy) expert predictions (not worth that much, and can be wrong as much as right) market-timing,

Dollars and Sense

Dan Ariely is an expert on human psychology and decisions. His book  Dollars and Sense is focussed on how to avoid "money mishaps" . That can include paying too much for something; buying something that doesn't provide value; or in some cases not buying something that we really should buy. We can be better spenders of money by avoiding money mishaps. We can get more value for our money - or get the same value for less money. So what are the mishaps? Here are some highlights. Opportunity Cost This is the idea of thinking about what else we could do with money - and whether that's better value.  In one experiment, people were given the option of (A) a $1000 stereo or (B) a $700 stereo and $300 cash. People chose option A. Then people where given the option of (A) a $1000 stereo or (B) a $700 stereo and $300 worth of music. Now they chose option B. In the first choice, people gave up the $300 because they wanted the more expensive stereo. But when forced to think of some

Inheriting Clutter

This book stood out on the library shelf. Massive clutter can create anxiety at any time, let alone when it has to be dealt with during one of the toughest points of life. Author Julie Hall deals with estates for a living. Her book covers the nitty-gritty of dealing with all that stuff. It also covers caring for parents while they are here and what to do to make life easier for them, your siblings and you. Parent Logic We may wonder why parents keep so much stuff. Julie explains that our parents (having grown up in a different time) have their reasons. Often they had to 'go without' as kids and so don't want to 'go without' again. Sometimes they think items will become valuable with age.  Also there's the thought "the more I leave the kids the more they will have" . This is obviously mathematically true - but whether that's a good thing is questionable. Ironically, this admirable quality of aversion to waste often ends up causing waste. Items get s

The Latte Factor

For the first time ever I'm reviewing a novel. Latte Factor is a short story  - around 120 pages - and is equal parts of inspirational story and financial education. The combination of the two is quite rare, and done quite nicely. The story is about Zoey Daniels, associate editor for a travel magazine. Although she's never been outside the USA  - "a travel editor who's never travelled". She struggles with money and is considering a higher-paying job at the company her friend Jessica works for. The job would provide more income, but would also be more stressful and demanding. She already has a nightmare about being on an increasingly-fast treadmill that she struggles to stay on. Her current boss Barbara - aware only of the money situation - suggests she talk to Henry at the coffee shop. This peculiar suggestion is where Zoey's life begins to turn a corner. Spoiler Alert Being a book of fiction, I don't want to spoil the story for you. It's a book you ca

Monopoly, money and you

One of the most well-known board games can also be a great way to learn about money and investing - according to this book. Perhaps one way to teach kids (and maybe ourselves) about finance is to play a board game. In so many ways, the game parallels our own financial life - and we can practice financial decision-making without losing any real money. Is monopoly like life? Yes and no. We manage our cash, negotiate, make deals, make choices, go through tough times, make investments, pay tax and reap rewards. To do well we have to make investments. It's very hard to win just by collecting $200 each time you pass go. There are rules, and wise moves. The better we know them, the better we do. However, in real life, you can win without forcing others into bankruptcy. Principles that work in the game and life Diversify. You might have hotels on the two most expensive properties on the board, but if no-one lands on them, you still might lose. Investments have a price and a value. They are

Die with Zero

This book is not for everyone - but can be immensely valuable for those who are meant to read it. If you're thinking you'll reach zero a lot earlier than that, then I'd recommend starting with  Your Money or Your Life . Otherwise, here is what I learnt from Die with Zero  and my personal reaction. Many people in the middle class (and above) retire with heaps of money. Then they spend some of the investment earnings, while their capital continues to grow - even into their 80s and 90s. Their last day is possibly the wealthiest they've ever been. What's wrong with that? That might sound good. Why wouldn't we want ever-increasing wealth? The answer is in the book's subtitle "Getting all you can from your money and your life". There's no prize for being the richest person in the cemetery. Bill figures that if someone dies at 90 with 4 million dollars, that they either missed out on doing things with that money, or spent way too much time working - f

Snoopy and decluttering - item #598

What do Snoopy and the Peanuts gang have to do with decluttering? It's a typical example of parting with things we no longer need. In doing so we're making money, saving money and bringing joy to the lives of others. Peanuts While I still enjoy the Peanuts characters, comics and movies, I wasn't really using these Linus and Lucy figures. They were sitting in a shoe box (along with Schroeder and Snoopy). Schroeder and his piano now serve as a bookend on our bookcase . But for Linus and Lucy I decided they'd be more loved by someone else. The other day a Peanuts-loving parent bought them for her (and her kids) to enjoy. Another success is increasing the joy in the world. Numbers I love stats, so I keep a record of our sales. Together, these two Peanuts figures were the 598th sale my wife and I have made. This particular sale because the $8 took our combined sales to $4,500 (over several years). I've double checked with my tax accountant and this is tax-free income. :