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 […]
Superannuation and separation: Who keeps the money?
A divorce from your husband or wife, or a separation from your de facto, could mean a division of your assets and debts, whether they’re held separately or together, and superannuation is no exception. Another thing to note is even if one of you hasn’t contributed to super for many years, that person could still […]
How to spend more to save
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 […]
Protecting the life (and people) you love
With more Australians having children later in life, starting a second family and carrying significant levels of debt well into their 50s and 60s, life insurance has never been more important. Life is full of unexpected twists and turns and you never quite know what is around the corner. Protecting your family against the loss […]
Mindful Spending
Take care of the pennies and the pounds will take care of themselves……… I love this phrase. Yes it’s straight out of nanna’s handbook, but nanna was right. To have a good life you need to have a good relationship with money. And that means getting educated, organised and practicing discipline, not for a few […]
Here’s how to lead a happier life
From our beaches and outdoor lifestyle, to our democracy and cultural diversity, there is a great deal to feel happy about in Australia. However, living a happy life doesn’t always come easy. Concerns about money, relationships and the future can often stand in the way of living the life you want. The good news is […]
6 ways to navigate your finances in your 40s
Although marriage, mortgage, and young children may have characterised your 30s, your 40s often feature growing responsibilities and ever-competing priorities. Your parents are older, your mortgage is still on foot, children’s education costs are growing, and though retirement may seem a distant reality, planning for that reality becomes an important consideration. The good news is […]
My views on the Royal Commission into Financial Services
Whilst I haven’t been inundated with calls on the current royal commission into the banking and financial services sector, I felt compelled to speak with you about it. It is early days into the royal commission inquiry but we have already witnessed shocking revelations of dishonesty and misconduct within some of Australia’s largest financial institutions. To […]
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 […]
Money and relationships
Leaving the single life behind to become a twosome is an exciting and romantic time. The last thing on your mind is how to manage your joint finances. Yet relationship success and financial success as a couple have a lot in common. Both rely on good communication and negotiation. Money may not be romantic, but […]