You’ve heard the old saying: Failing to plan is planning to fail (if you haven’t you have now!) Or how about this one? If you don’t know where you are going any road will get you there. It’s all in the planning We don’t get in a taxi without directions, we don’t start cooking without knowing […]
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 […]
Pursue your passion without breaking the bank
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 […]
Would you like to retire by 40?
Many younger Australians are joining the Financial Independence, Retire Early (FIRE) movement. Is it right for you? When you’re starting out in the workforce and building your career, retirement can seem like a long way away. And with the age at which you can access your super and age pension creeping up—not to mention the increasing cost of living—you […]
7 hot tips to saving for your summer holiday!
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 […]
Income protection insurance – not just about the amount you earn
A common misconception about income protection insurance is that it’s only for high-earners, but this isn’t the case. In reality, no one can afford to be without this safety net, regardless of the amount of income you earn. The only things certain in life are death and taxes—or so the famous saying goes. Thankfully, income […]
Dream Big, Save Up, Make It Happen
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 […]
Getting to know your ‘money personality’
Ever wish you could get to the root of why your budgeting habits are less than ideal? Or perhaps you’re out to master your investment decision making process. Finding out your money personality is a great start to developing the management, saving and investment strategies that are going to work best for you. Understanding your […]
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 […]
Be different today so you can be different tomorrow!
Every generation thinks life will be different – and of course, each one is right – but when it comes to planning for the future, while we’re young we have a habit of thinking there is still plenty of time. After all, when you’re in your mid-thirties or even early forties, retirement is still decades […]