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

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

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

Smart Ways to Use Your Tax Refund This Year

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

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

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

How to start investing with just $500

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.

Wait! Before you buy that…

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?

Is your money mindset holding you back?

Is your money mindset holding you back?

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,…

Roadmap to retiring young

Roadmap to retiring young

The dream of retiring young is one that captivates many peoples’ imaginations. The freedom to live life on your own terms, doing what you want, when you want is undeniably…

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