How to create a Debt Repayment Plan
Debt can be overwhelming and stressful, but creating a plan to pay it off can help ease that burden. In Australia, household debt is on the rise, with the average…
How to help your adult child buy their first home
By Robert Goudie This savings strategy is about building a healthy deposit and allowing kids to learn about consistent, regular saving. The strategy will require patience to build a substantial…
Why millennials should be mapping their retirement today
While millennials have for decades been treated like ‘the children of Neverland, who never grew up’, reality is fast catching up with this generation, who are now young adults between…
Thriving in the ‘Gig Economy’
If you’re a freelancer or contractor or maybe even a consultant then you’re part of the “gig economy”. Gone is the job for life, or even a job in the…
The difference between a savings account and a term deposit
Depositing cash in a savings account or a term deposit are the most common ways to invest your money. But, how do you know which is right for you? First,…
Economic Update: October-December 2022
According to the Reserve Bank of Australia, domestic headline inflation is expected to reach 8% in the final month of 2022 as consumers continue to spend despite higher interest rates….
Three-Minute Financial Check-up
While the standard of living is constantly improving in Australia, economic disruptions, stagnant wage growth and continually increasing house prices are putting more and more people under financial stress. A…
6 steps to a sustainable Christmas
Just as the Grinch stole Christmas, excess spending can rob us all of yuletide happiness. Seasonal credit card splurges can create ballooning long term debt, while unnecessary consumption inevitably leads…
Being sensible with Buy Now Pay Later this silly season
Move over debit and credit cards; consumers are flocking to Buy Now Pay Later (BNPL) services. Afterpay, Zip Pay and several similar payment solutions allow shoppers to take home their…
A helping hand for the holidays
Summer and the festive season are times we all look forward to, balmy evenings, relaxing holidays and social get-togethers. Like a beacon on the horizon, it provides something to aim…
Director Identification Numbers – time is ticking!
Do you have an SMSF with a corporate trustee or are you a director of a company? Do you know you have to register for a director identification number (director…
Federal Government’s October 2022 Budget
A sudden uptick in the unemployment rate and slower economic growth combined with continued strong inflationary pressures are set to test the Australian economy during the next two years, according…
Why the share market is not the same as the economy
At the beginning of 2022 the Australian economy appeared to be sliding into recession, dragged down by higher interest rates and even higher inflation levels. As a result, it was…
Quarterly Economic Update: July-September 2022
As geo-political tensions tighten in Ukraine, economies around the world are reeling from mounting energy prices, soaring costs of living and in a desperate attempt to bring down inflation, higher…
Personal risk management plan – do you have one?
Risk Management Plans don’t only apply to businesses – every person and family should also have a plan to help them cope in the event of an unexpected crisis. No…
Retirement wrongs that could send you broke!
While retirement should be the best years of your life, many Australians make simple, avoidable mistakes with their finances that can leave them without the funds to really enjoy life….
An often forgotten aspect of insurance
When most people think about financial planning, they tend to focus on the wealth creation side of things, but often forget about the wealth protection. Building a financial plan without…
The effect of rising inflation
The word ‘inflation’ doesn’t only dominate business news headlines but finds its way into general news reports too. So, what is inflation and how does it affect you? In simple…
Quarterly Economic Update: April-June 2022
The price of a lowly head of lettuce has never been a recognised barometer of the strength of the Australian economy, that is until the media started reporting iceberg lettuces…
The female investor
Investment and portfolio building has traditionally been a male-dominated world, but these days more women are trading on the market – and they’re good at it! According to an ASX…
4 simple techniques to reduce your tax
Here is a list of tips to help you minimise the amount of tax you pay this end of financial year: 1. Keep records Even if you use an accountant…
4 fool-proof ways to keep on top of your credit cards
Credit cards certainly make life easier – they are simple to use, accepted almost everywhere, and help you to buy what you want, when you want, particularly online. So much…
A different “End of Financial Year Sale”
As the end of financial year fast approaches, there is still time to consider the strategies available to you this June 30 to build your wealth, some of which are…
Don’t leave your family’s future in the hands of a crowdfund
If there is anything we have learnt in the last two years, it is just how quickly things can change. Between devastating bushfires, floods, and a life-altering pandemic (just to…
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