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personal budget

Does your lifestyle dictate your budget? 5 important reasons for keeping a personal budget

written by: Ritchie Cruz, Principal Director   “My problem lies in reconciling my gross habits with my net income.” ~ Errol Flynn More often than not, our lifestyle dictates our budgets.  We get the pay rise we want, but how quick do we find a use for it?  How many times have we said “where […]

by Ritchie Cruz
May 25, 2015
Accounting Business Management

Small Business Start up – 7 items to consider when starting a business

Starting a business is sometimes a reaction to an idea. I have come across many individuals who have a viable idea, then ask around for information on starting a business. Friends and acquaintances want to give their 2 cents worth of knowledge, so they impart with advice such as “apparently you can…” or “I heard…” […]

by Ritchie Cruz
May 22, 2015

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