Blog Articles
How to create savings while paying off debt
Over the past 30 years, Australians' household debt has increased.According to the Reserve Bank of Australia, our household debt-to-income ratio has risen from 70 per cent in the early 1990s to around 190 per cent today. With numbers like this, it's understandable...
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 goodies now while paying them off via a few weekly, fortnightly or monthly...
The link between financial stress and mental health
If you’ve ever laid awake at night thinking about your finances you’ll know: financial stress can be debilitating. What you may not be aware of is the strong link between financial stress and mental health. According to the Australian Institute of Health and Welfare,...
Why financial advice may be your best investment
It is commonly assumed that seeking financial advice is for the wealthy, and it only helps the rich become richer, yet financial advice can prove useful to anyone who wishes to better their financial future.Financial advice is like getting a health check-up for your...
How much should I have in my emergency fund?
It’s the most common story financial professionals hear. Unfortunately, too many people fail to set aside emergency savings to see them through life’s hiccups.So when the inevitable happens, and an unexpected bill arrives, they are put under pressure to find the funds...
Protect your estate from these mistakes
You will most likely have clear ideas as to how you would like your hard-earned wealth – your ‘estate’ – to be divided amongst your loved ones or other beneficiaries.However, estate planning is a complex area of law and basic mistakes can see Wills declared invalid,...
Scattered super? Consolidate now!
I have to admit, I get a real buzz when I hear someone talking about not knowing what to do with their money.The buzz comes from the excitement I feel knowing that I can help them. It might be in some small way, but more often it’s enough to help make a major change...
Protect yourself and your future
Life can be full of unexpected turns, so it’s important to protect yourself and your family from whatever the future holds.Insurance provides peace of mind, giving you certainty your debts could be repaid and you could continue to maintain your lifestyle if you were...
Rebuild your Super
Research has found that the largest number of early super payments were made to Australians under age 40 with Australians under 30 receiving nearly one-third of these payments.The research also revealed that Coronavirus had a big impact on the retirement savings of...