The SMART Financial Advice Blog by Peter Horsfield

Sadly many of us only know how to live life in fear, without knowing how to escape it. We’re even schooled and educated to believe that fear is excellent motivator and a catalyst to our “success”. “Use you fear for motivation” and “Fear is a good thing because it keeps you alive”. Fear, shame, and guilt in some circles is even promoted as good and to be our trusted battle cries to get us off our butts and move forward towards our goals. Being fearless is a total game changer and is even more important than having a pair when facing our fears. Don’t get me wrong. Our fears are big mother f***er, knuckle dragging, fork tongued, devil horned shadows morphing out of the darkness that supernaturally dredge up feelings of insecurity, intimidation and judgement. It’s just that our fears are only emotional shadows. My take on it is our fears are a kind of unsettling twitching feeling we get from our evolved ego self-survival muscle we’ve been developing over the span of ou...

  I love to travel and I like to save too.  In fact when you visit my office in Cairns you'll find a big world map on the wall, inspiring us of new places to plan for and to experience next. This weekend 27th January I'm heading to Japan's Nozawa Onsen for a 10 day ski trip with friends.  It's going to be epic! However the constant of conversations between the sirens of travel and my voices of reason to save more, are an ever present and constant chatter within my head. So to the age old chestnut of a question. How can we travel and also save? Before we continue l should disclose some of pet hates when on holidays. 1. Being a 24/7 tight arse. Penny pinching, wasting time searching between shops, restaurants, or tour companies to find the best or cheapest  deal while on holidays is not only a waste of time, it also totally kills the vibe of one's holidays. Which is to have fun, personal growth and new experiences 2. Rushing & trying to d...