Did You Know?

  • Planning for Financial Success

    Budgeting, Finance

    Most of us account for our money weeks or months in advance. Whether we use a spreadsheet, or simply mark dates on a calendar, we know that planning ahead makes…

  • Navigating the ‘Help to Buy’ Scheme

    Budgeting, Finance

    Understanding the intricacies of schemes like ‘Help to Buy’ is crucial, offering a deeper insight into its potential benefits and complexities. This article unpacks the key aspects of the ‘Help to Buy’ scheme, aiming to provide clarity for those considering this path.

  • The Hidden Risks of Working from Home (WFH)

    Updated on Finance

    Working from home offers flexibility, but it can also create unexpected financial, tax and career consequences. This article explores the hidden risks of remote work and the steps you can take to protect your long-term financial wellbeing.

  • The Real Value of Financial Advice

    Updated on Education, Finance

    When most people think about financial advice, they picture investments, superannuation, or maybe insurance. But the true value of advice isn’t just about the numbers, it’s about what those numbers allow you to do in your life.

  • Understanding Your Money Story, and Why It Matters

    Updated on Finance

    We all have a “money story.” It is the set of beliefs, habits, and emotions we carry about money, often shaped long before we ever earned our first paycheck. We all have a “money story.” It is the set of beliefs, habits, and emotions we carry about money, often shaped long before we ever earned our first paycheck.

  • Talking Money, Strengthening Relationships

    Updated on Budgeting, Finance

    Money is one of the most common sources of stress in relationships. Whether it is with a partner, family member, or even a business partner, the way we think about and manage money can have a big impact on how we relate to each other.

  • Three Generations, One Goal: Helping Young Australians Buy Their First Home  

    Updated on Aged Care, Finance, Retirement

    There’s a growing issue facing families today, and it spans three generations. At the heart of it is the younger generation—the first-time homebuyers—who are struggling to break into the property market. This challenge isn’t just theirs to bear; it’s one that also involves their parents and grandparents, who want to see them succeed but are grappling with how to provide the right kind of support without overstepping or creating dependency.

  • Cheer today, debt tomorrow

    Updated on Budgeting, Debt, Finance

    From early November retailers have been telling us what we can’t live without and what our kids must have if they are to still love us on Christmas Day. It’s easy to get caught up in the momentum. Of course, the downside is you end up with the post-Christmas blues when the credit card statements arrive. This may mean that wealth plans get scrapped because you have to pay off the debt first.

  • Planning for Life’s What-Ifs

    Updated on Finance, Insurance

    Life does not always go to plan. Illness, job loss, accidents, or unexpected expenses can arrive without warning. While we cannot prevent these events, we can prepare for them. Having the right protections in place provides peace of mind and ensures your family is supported when life takes a turn.

  • How to build a diversified portfolio with ASX ETFs

    Updated on Finance, Investing

    Despite the temporary, sudden downturns caused by the 2007-2009 global financial crisis and the 2020-2021 COVID pandemic, the value of the ASX increased by more than 160% between 2000 and 2024, as evidenced by the growth in the ASX 200 market index. This demonstrates that it’s better to invest in a variety of shares rather than sticking to just a few.

  • Retirement Is More Than a Number

    Updated on Finance, Retirement

    When most people think about retirement, they picture a dollar figure. How much super will I need? Do I have enough investments to last? While money is important, true retirement planning is about much more than a number on a page.

  • Small Steps, Big Impact

    Updated on Budgeting, Finance

    When it comes to money, it is often the small, consistent steps that make the biggest difference. You do not need to make dramatic changes overnight. Building good habits and sticking with them over time can transform your financial future.

  • Setting SMART financial goals that actually stick

    Updated on Debt, Finance, Investing

    In the context of your personal finances, SMART refers to setting clear, quantifiable, feasible and appropriate financial objectives, to be carried out within a defined time frame. You’re much more likely to succeed if you avoid vague, non-measurable, unrealistic and inappropriate aims with no actual deadline. Relying on SMART goals will help you stay on track as you shape your financial future.

  • The Hidden Cost of Lifestyle Creep – why upgrading your lifestyle too quickly can slow down long-term goals.

    Updated on Budgeting, Education, Finance

    It is natural to want to enjoy the rewards of hard work. A new job, a pay rise, or a bonus can make it tempting to upgrade your car, move to a bigger house, or start spending more on dining and holidays. This is called lifestyle creep, and while it feels good in the short term, it can quietly slow down your long-term financial goals.

  • Steps that lead to a successful employee to entrepreneur move

    Updated on Education, Finance

    If you’ve ever dreamed of setting up your own business you’re not alone.
    According to the Australian Bureau of Statistics, (ABS), in the financial year 2023 – 2024 over 400,000 Aussies did just that!
    Over the same period, almost 363,000 small businesses called it quits.

  • Numbers vs. Emotions: The Real Game of Investing   

    Updated on Finance, Investing

    When people think about investing, they often focus on the numbers: analysing balance sheets, forecasting earnings growth, understanding sectors, and evaluating dividend yields and price-to-earnings ratios. While these elements are…

  • Quarterly Economic Update: October-December 2024

    Updated on Economy, Finance, Investing

    The final quarter of 2024 reflected a mixed economic landscape. While consumer spending and equity markets showed resilience, persistent inflation, cost-of-living pressures and a cooling housing market have tempered optimism….

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