Planning
6 clever ways to manage your credit card

6 clever ways to manage your credit card

Did you know that Australia’s ‘personal debt’ has been reported as the highest in the world, according to Finder.com.au?  Australia’s debt has increased drastically over the last thirty years. Even though most of us enjoy the benefits of credit cards, it can become a serious issue if we let it get out of control.

Here are six smart ways to get the most out of your credit card.

28 Feb 2018 Read More
Protecting
The real cost of not having insurance – peace of mind is priceless

The real cost of not having insurance – peace of mind is priceless

Chances are you or someone you know will need insurance over the course of their lifetime. For example, statistics show that 1 in 3 women and 1 in 2 men will suffer cancer during their life.*

So how best to manage this reality as much as possible? While each person’s circumstances are different, below are some of the main reasons for having adequate life insurance:

28 Feb 2018 Read More
Planning
Stop living pay cheque to pay cheque

Stop living pay cheque to pay cheque

Why do so many of us have to live from one pay cheque to another?

Having to borrow money from people who never really want to lend it, take out loans, or use credit cards to cover expenses until the next payday is a horrible way to live. It’s also very easy to accumulate credit card debt. However, the more debt you collect, the higher your minimum payments become. You can risk having to borrow even more to keep things afloat.

Want to get off the just-making-it by merry-go-round? Here are some useful tips:

28 Feb 2018 Read More
Protecting
Starting a small business? These easy tips will set you up for success

Starting a small business? These easy tips will set you up for success

Safeguard the financial health of your small business and establish a strong financial foundation with these helpful tips.

There are a host of financial considerations that need to be made over the lifetime of a small business– from cash flow, to payroll and paying taxes to investing money back into the business. Without an equal measure of forethought in the financial side of your business, you could be setting yourself up for hard times no matter how well tuned into the consumer consciousness you are or how good your products or services are.

28 Feb 2018 Read More
Planning
8 golden rules of investing

8 golden rules of investing

Would you like to be able to purchase a house in a few years? Travel the world? Retire before you are 60? Unless you win the lottery, chances are that you will need to save and also start investing to get many of the things you want.

Haven’t started investing yet? Then maybe 2017 is the year to save ten percent of your income and invest! A smart investor doesn’t rely on good luck. Instead, they take the time to consider their investment goals. Then they develop a plan and choose investments that align with their needs and objectives. So, how do you do it? It really is easier than you might think.

28 Feb 2018 Read More
Planning
5 Questions you should ask a financial adviser

5 Questions you should ask a financial adviser

Once you are ready to meet potential advisers, here are some questions you should ask to help you find the best person to fit your needs. By Charles Badenach.

28 Feb 2018 Read More
Protecting
How would you deal with a financial crisis?

How would you deal with a financial crisis?

If you’re suffering from a serious financial setback, remember – you’re not alone and there is help at hand.

Although it’s always good to have a positive mind-set, we all know that the reality is we need to be prepared financially for the loss of our job or income, a sudden medical emergency or an unexpected financial setback. Being faced with any of these challenges can be a scary time so it is important to be prepared.

28 Feb 2018 Read More
Saving
10 easy tips to help feed your family on a budget

10 easy tips to help feed your family on a budget

When your wallet’s feeling the pinch, planning meals, buying in bulk, shopping at sales and avoiding takeaway food can take the squeeze out of feeding your family.

With Australia having one of the highest cost of living in the world is it any wonder we’re worried about making ends meet? While there isn’t much we can do about rising utility prices or interest rate hikes, there is something we can control – our grocery bills. Avoiding junk food, sticking to a budget and coming up with a meal plan will see you saving money in no time.

22 Jan 2018 Read More
Planning
Keep the kids entertained these holidays without breaking the bank

Keep the kids entertained these holidays without breaking the bank

According to a recent survey of ASIC Money Smart users, the majority of parents say they spend more money during the school holidays than any other time of year. But hanging out with your loved ones needn’t blow your budget.

22 Jan 2018 Read More