Loyalty tax – are you paying more than you should?
Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee.
Planning for Life’s What-Ifs
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.
Setting SMART financial goals that actually stick
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 Value of Simplicity – why simplifying your finances can reduce stress and improve outcomes.
When it comes to money, more is not always better. Multiple super funds, a handful of bank accounts, different investment platforms, and stacks of paperwork can make it hard to see the bigger picture. Simplifying your finances can reduce stress and often leads to better results.
Avoid Lifestyle Inflation
A client once shared a poignant regret:
“When I was working and the kids were young, I saved too much. It restricted what we did when the family was together.”
This simple reflection struck a chord with me. It got me thinking about the delicate balance between saving for the future and living fully in the present. While we all know the importance of financial security, is it possible to save too much—at the expense of the moments that matter most?
Wait! Before you buy that…
A client once shared a poignant regret:
“When I was working and the kids were young, I saved too much. It restricted what we did when the family was together.”
This simple reflection struck a chord with me. It got me thinking about the delicate balance between saving for the future and living fully in the present. While we all know the importance of financial security, is it possible to save too much—at the expense of the moments that matter most?
Why Budgeting Sucks (and What to Do Instead)
Why Traditional Budgeting Fails We’ve all been told that the key to managing money is to create a budget and stick to it. Track every dollar, set spending limits, and…
Loud budgeting: Amplifying your financial awareness
Saving for a first home often requires a significant amount of discipline and sacrifice. The challenge of accumulating the necessary deposit can feel overwhelming, making it difficult to maintain motivation….
6 steps to a Happy New Financial Year
The new financial year provides an opportunity for a fresh start for your finances. Make this the financial year you get on top of yours… for good! We’ve broken it…
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…
When was the last time you paid cash?
Prior to COVID, we were steadily moving towards a cashless world. Post 2020, even the most resilient of us has made the leap to tap-and-go payments sooner than we expected….
6 common financial mistakes people make in their 30s
Climbing the career ladder, perhaps buying a home and starting a family – the 30s are an exciting stage of life. However, decisions made now can make a big difference…
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