Nicole Heales

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Pursue your passion without breaking the bank

January 23, 2019 By Nicole

Some hobbies are expensive, but you can still do what you love with some careful planning. Whether you love climbing mountains, playing golf, racing go-karts or photography, some passions can get very pricey, very quickly. Between club memberships, specialised equipment, tournaments, and auctions, it’s very easy for your spending to soar. Hobbies are important for […]

Filed Under: Finances, Lifestyle, Money Management Tagged With: Expenses, Lifestyle, money, money management

10 money conversations to have when your relationship heats up

January 23, 2019 By Nicole

It’s probably not the sexiest thing the two of you have on the to-do list but putting it off could see you butting heads. Here is a list of things worth discussing with your partner before you consider merging your money, moving in together, or buying any big-ticket items in both your names. Your views […]

Filed Under: Finances, Lifestyle, Money Management Tagged With: Budget, Finances, money management, Savings, Spending

7 hot tips to saving for your summer holiday!

December 3, 2018 By Nicole

Saving for a summer holiday? Boost your funds by tracking your spending, cutting one unnecessary expense and staying home for dinner. If you’re still saving up funds for your next getaway, here are tips to help you along the way. 1. Check your bills to ensure you’re getting the best deal It’s easy to go with the flow […]

Filed Under: Lifestyle, Money Management Tagged With: Holidays, Lifestyle, money, money management, Summer

Important Changes to Lending Practices

October 2, 2018 By Nicole

With the Royal Commission and recent changes to lending practices it’s more important than ever to understand your credit score and borrowing capacity. Understand your credit score Some of the nation’s largest financial institutions have all started collecting customers’ positive credit information, including how many open credit accounts you have, how much debt you are […]

Filed Under: Money Management, Mortgage Brokering, News Tagged With: credit score, lending, money management, mortgage

Dream Big, Save Up, Make It Happen

October 2, 2018 By Nicole

Most of us have plans for the future. Maybe it’s a dream holiday, paying off debt, starting a business, or saving enough for a house deposit.  Some of us will succeed but many of us won’t. One of the reasons we don’t meet our goals is lack of clarity and planning. Value and Goals Based […]

Filed Under: Financial Planning, Money Management Tagged With: Financial Advice, Goals, Holidays, Lifestyle, money management

How to spend more to save

September 18, 2018 By Nicole

The old saying “penny wise, pound foolish” couldn’t ring truer than in today’s throw-away world of overconsumption and excessive production of disposable items.  Did you know that many manufacturers have been using techniques to deliberately reduce the life of a product to increase its replacement rate and sell you the same thing again? It’s called […]

Filed Under: Financial Planning, Money Management Tagged With: Financial Advice, Money Behaviour, money management, Saving, Spending, Women and Money

Early retirement: living the dream

February 13, 2018 By Nicole

When you visualise your retirement, what do you see? If you’re like thousands of other Aussies, chances are you think about getting stuck into a hobby, spending more time with your family, seeing the world, or exploring the great outdoors right here in our own backyard. Whatever your image of the ideal retirement, it gives […]

Filed Under: Financial Planning, Money Management, Retirement Tagged With: Debt, Income, Lifestyle, money management, Retirement

SIMPLER FINANCIAL ADVICE

Teaching women to be clever with money, so they can relax and enjoy their lives. Let's get started!

Nicole Heales: 0417 167 024


INDUSTRY AWARDS

  • Power50 – 50 Most Influential Advisers in Australia 2017 – Financial Standard
  • Winner: Most Inspirational Woman in Financial Planning Australia 2017 – Women in Wealth
  • Finalist: Financial Adviser of the Year 2017 – Women in Finance
  • Finalist: Female Excellence in Advice 2017 – Association of Financial Advisers
  • Finalist: Financial Planner of the Year 2016 – Women in Financial Services Awards

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Postal: P.O. Box 361, Balaclava VIC 3183
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What’s news for you

  • Keep calm and carry on – tackling your financial stress
  • Pursue your passion without breaking the bank
  • 10 money conversations to have when your relationship heats up
  • Would you like to retire by 40?
  • How to max your tax refund
  • What to look for on your super statement
  • The biggest mistake home buyers make
  • 7 hot tips to saving for your summer holiday!

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