An ongoing collection of Jonathan’s thinking on financial wisdom, leadership and the human judgement behind better choices.
Twice-weekly perspectives on money, business and the decisions that matter.
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Revenue, profit and cash are three of the most frequently discussed numbers in business. They are also three of the easiest to confuse. A business owner might say: “Sales are…
A business can be profitable and still run out of cash. Understanding the key differences between profit vs cash flow is essential for managing a sustainable company. For someone looking…
Convenience feels harmless. That’s what makes it so easy to spend more on it. You order food because you’re tired. You take a taxi because it’s faster. You pay for…
Sometimes lifestyle creep isn’t caused by wanting more. It’s caused by seeing what everyone else seems to have. You get a pay rise. Your life improves a little. Then you…
Getting a pay rise should make life feel easier. You earn more. You have more room. You should feel more comfortable about your money. But sometimes the opposite happens. A…
Getting a pay rise should make you feel like you’re moving forward. But sometimes something strange happens. Your income increases. Your lifestyle improves. You can afford more. And yet, somehow,…
Not every increase in spending is lifestyle creep. That’s important. If your income goes up, there’s nothing wrong with using some of that extra money to make your life better….
Lifestyle creep doesn’t always look like reckless spending. Sometimes, you’re actually being careful. You compare prices. You avoid unnecessary purchases. You don’t buy everything you want. You even tell yourself…
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