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Random Thoughts whilst working

Random Thoughts whilst working

Practical advice on sales, leadership, and Australian property from 30+ years in banking.

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Wednesday, September 16, 2026
  • Finance

What Actually Happens to Your Repayments When the RBA Moves

The RBA's next decision lands September 28-29. Here's the actual mechanics of how a cash rate move turns into a different number on your repayment schedule — and why the gap between "the RBA moved" and "your bank moved" matters....

Wiggy
September 16, 2026
  • Finance

Should You Refinance? The Simple Maths That Actually Answers It

Wiggy
September 10, 2026
  • The Real Reason

The Real Reason: How a Rejected Application Became an Approved Loan

Wiggy
September 5, 2026
  • The Real Reason

The Real Reason: Why a Business Owner Earning $180K Almost Couldn’t Buy a Home

Wiggy
September 5, 2026
Person dropping coins into a piggy bank to build savings
  • Finance
  • Goal Setting

The Path to Financial Stability in Australia: 5 Steps

Many Australians grapple with financial insecurity, desiring freedom from paycheck-to-paycheck living. Scott C Pape advocates taking control for financial freedom. Practical steps for stability in Aus...

Wiggy
January 29, 2024
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  • Finance

Opportune Time for Property Transactions in Steady Wagga Market

The latest Fitzpatricks Report on Wagga Wagga's property market shows continued strength with a median house price up 11.2% to $555,000 and units up 10.3% to $361,000. The area's affordable living cos...

Wiggy
January 25, 2024
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Person putting coins into a jar as part of a money-saving challenge
  • Finance
  • Planning

5 Best Money Saving Challenges for 2024

With the cost of living rising, automatic savings transfers offer a solution to save over $5,000 in 2024. Consider the No Spend Challenge, Auto Save Challenge, 52 Week Money Challenge, Quarterly $100 ...

Wiggy
January 23, 2024
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Person reflecting on their long-term career goals and purpose
  • Coaching
  • Goal Setting
  • Planning

Defining Your 10-Year Career Goals and Purpose

Using the Golden Circle model to map out a career vision across three horizons — from the next 1-3 years to your boldest 10-year ambitions, starting with your why....

Wiggy
January 20, 2024
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Two people having a coaching conversation, asking questions rather than giving advice
  • Coaching
  • Goal Setting

Book review: The Coaching Habit by Michael Bungay Stanier – A Practical Guide for Better Conversations

"The Coaching Habit" by Michael Bungay Stanier emphasizes asking questions over giving advice. It provides practical coaching tips for managers, encouraging meaningful dialogues. Key questions include...

Wiggy
January 18, 2024
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A couple signing home loan documents with their lender
  • Finance

Orchestrating Financial Success: Navigating the Intricacies of Home Lending in Australia

As the Australian property market continues its dynamic evolution, homebuyers find themselves at a pivotal juncture, carefully weighing the advantages of low-interest rates against the practicality of...

Wiggy
January 15, 2024
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Person returning to work at their desk after the festive holiday break
  • Coaching
  • Planning

Navigating the Return: Tips for Returning to Work After the Festive Break

The post discusses strategies for a smooth transition back to work after the holiday season. It emphasizes reflecting on achievements, setting realistic goals, prioritizing tasks, reconnecting with co...

Wiggy
January 10, 2024
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Person setting a SMART business goal
  • Coaching
  • Goal Setting

Avoid Wishful Thinking – Set Proper Stretch Goals

The post emphasizes the importance of setting SMART goals: Specific, Measurable, Achievable, Relevant, and Timebound. It highlights the need for clarity, measurement, feasibility, alignment, and deadl...

Wiggy
January 8, 2024
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Person celebrating after achieving their goals
  • Coaching
  • Goal Setting

From Setting Goals to Delivering Results

The post delves into the reasons behind failed New Year's resolutions and suggests strategies for effective goal execution. It emphasizes starting before feeling ready, learning from experts, embracin...

Wiggy
January 6, 2024
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Person sitting and contemplating whether it's time to set a new goal
  • Coaching
  • Goal Setting
  • Planning

How to Know It’s Time to Set a New Goal

Ambition without direction, restlessness without a plan — these are signs it's time to set a new goal. Here are the signposts to watch for and questions to ask before you commit....

Wiggy
January 2, 2024
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