Money and Health: The Not So Surprising Connection

  • Debt: the good, the bad and the ugly 

    Updated on Debt

    The opinion of many people towards debt can be best summed up in the often quoted line from Shakespeare, ‘neither a borrower nor a lender be.’ Yet others will embrace…

  • 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.

  • Smart Ways to Use Your Tax Refund This Year

    Updated on Tax

    You may be one of many Australians who make an interest-free loan to the federal government every year. That’s because, when you receive a tax refund, you’re not getting free money. All that’s happening is that cash which is rightfully yours is being returned, somewhat late. So it makes sense to make it work as hard as possible once it’s back in your hands.

  • The Truth About Paying Off Your Home Loan in 7–10 Years

    Updated on Debt

    If you’ve ever clicked on a Facebook or Instagram ad about paying off your home loan in under 10 years, chances are you’ve been bombarded with more of them since. I’m all for reducing debt as quickly as possible. But let’s be real: not all strategies are created equal, and not all of them are safe.

  • How to start investing with just $500

    Investing

    When you have a spare $500 and are wondering whether to spend it or save it, why not consider a third option?
    Invest it. Make a commitment to your financial future, instead of wasting it on purchases that will deliver only temporary pleasure.
    Invest that $500 and watch it grow. Here’s how.

  • Estate planning for blended families – proceed with care 

    Education, Retirement

    Despite a slowdown in Australian economic and productivity growth in the last five years, Australia’s economy is usually considered strong and resilient when compared with other developed nations. Given our economic strength, why would anyone want to invest anywhere else? 

    To answer this question, let’s consider what stocks might be included in a share portfolio with an international focus.  

    For simplicity purposes, we will look into the portfolios of a leading provider of index managed funds and their top 10 holdings. These funds tend to be passively rather than actively traded, and seek to reflect their chosen share index over the medium-to-long term.

  • Avoid Lifestyle Inflation

    Updated on Budgeting, Economy

    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…

    Updated on Budgeting, Education

    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?

  • 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…

  • Investing for income 

    Updated on Education, Investing

    Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might…

  • Is your money mindset holding you back?

    Updated on Budgeting, Education

    Does your Money Mindset have your back? Or… Is it holding you back?   If you’ve never really thought about it, you’d be forgiven. When it comes to our financial success,…

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