Ready to discover the life changing magic of simplifying your money management? Taking the lead from minimalism guru Marie Kondo, we bring you a step-by-step guide to applying decluttering principles to your finances. Less really is more Of course, we’re not talking about giving all your money away to make life simpler. But simplifying your […]
How to get rid of holiday credit card debt
You may still be recovering from Christmas festivities, whether eating and drinking less or getting to the gym. But how is your credit card balance? Finder.com.au analysed data from the Reserve Bank of Australia (RBA) and found that Australians have an average of $1,863 in holiday credit card debt. And a year from now, 27 […]
Keep calm and carry on – tackling your financial stress
With costs of living on the rise and wage growth stagnating, it’s not hard to see why Australian households are increasingly feeling the pinch.i In fact, a recent Ubank survey revealed 59% of Aussies admit their current financial situation causes them stress or loss of sleep.ii Even in the oft-labelled ‘Lucky Country’, this is a worrying statistic. […]
How to max your tax refund
For most of us, tax refunds rarely come as a complete surprise. In fact, sometimes we might even be using the ATO as an unofficial savings account, knowing we’ll get a quick cash windfall to reward ourselves for getting all that paperwork together and lodging a return. But treating this entire cash windfall as a […]
Time to review household debt
Fuelled by rising house prices and low interest rates, the level of personal debt in Australia is relatively high compared to many other countries.i The largest proportion of this debt is often used to purchase a valuable asset – the family home. With careful planning, you might be able to control your household debt and […]
How to Get Rid of Debt
Stop spending! Cut up your credit cards Credit Cards are Loans – Drill it in your head that using your card is borrowing money that needs to be repaid. Take Ownership – The most important step in becoming debt free is taking responsibility. The credit card companies may have encouraged you through the years but […]
Ten Things To Help You Feel Financially Protected
Imagine feeling financially protected, well here are the 10 things I can help you with: Manage your cash flow It’s a simple statement to say that you’ll never get ahead if you spend more than you earn, yet in many households spending more than you earn is what happens on a regular basis. Your adviser […]
Early retirement: living the dream
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 […]
New year, new financial resolutions
You may have already given thought to some health-related wellness goals for 2018, but what about your financial wellness? AMP research has revealed that a quarter of Australian workers have difficulty in making ends meet, with the most common triggers for financial stress found to be bad debt, the need to save for retirement and […]
2018 SMART Goals
Week 1 – Starting your plan and SMART goal setting Most of us have plans for the future. Maybe it’s a dream holiday, paying off our debt, retiring early, building up a share portfolio, running a marathon, or saving enough for a house deposit. Some of us will succeed but many of us won’t. One […]