Planning
Preparing financially for a baby

Preparing financially for a baby

Having a baby is an exciting time but it is also one of the most expensive phases in our lives. There are many things you can do to prepare for having a baby and the expenses that come along with it. A few simple steps can secure your finances so you will be stressing less about the price of nappies and can spend more time focusing on the fun stuff.

22 Jan 2018 Read More
Planning
How to break the debt cycle

How to break the debt cycle

Unfortunately, a large percentage of us are trapped in a debt cycle. With credit cards and personal finance products operating as a standard part of modern life, many don’t question the way this vicious cycle impacts on our financial well-being. With a few simple steps you can make active choices to help you break out and gain financial freedom.

22 Jan 2018 Read More
Planning
Is Avocado Toast Keeping You from Buying a Home?

Is Avocado Toast Keeping You from Buying a Home?

Australian real estate developer Tim Gurner has recently become the source of global scorn and derision after he told “60 Minutes” that he wasn’t buying $19 avocado toasts and several $4 coffees a day when he was in the process of buying his first home. Anger at his statements stems from the fact that it will take skipping an awful lot of avocado toasts to save up the down payment for a home.

22 Jan 2018 Read More
Planning

How to plan for a big purchase

If you’ve decided to upgrade to a new car or buy a house, then it’s easy to feel overwhelmed by the figure and long journey facing you to pay it off. However, with a few simple steps you can prepare for a big purchase for your family which will reduce stress and help you make the best choice to save both time and money.

22 Jan 2018 Read More
Saving

The cost of convenience - 5 things to know when buying direct life & income insurance

You do not buy a trolley full of groceries from the corner store, you never buy good coffee at the service station and you certainly never purchase drinks & lollies at the cinema - unless you’re happy to get ripped off. 

Full disclosure - I knowingly pay 500% above cost for hot popcorn at the cinema and that’s a decision which I am comfortable with. I once did go to the mother's room of a shopping centre (like before a 9:30pm movie - so no one was in there) and microwaved packet popcorn; however, it was just weird. So, I have stopped that practice.

27 Jun 2017 Read More
Planning

3 things to do when you want to turn over a new [financial] leaf.

You were pumped up for a new weight loss and get-fit program, you had the blender, shakes, books and online subscription. The only issue was that after 6 weeks of the program, you had not lost any weight and there was no real change. Would you continue or go back to your old ways? Probably the latter if you’re human.

Personal finance and financial planning is no different to fitness and weight loss. It’s about habit and behaviour. There is no point turning over a new leaf financially and wanting to take your finances to the next level unless you have a clear path, with no distractions and some accountability helps, too.

27 Jun 2017 Read More
Saving

Things to consider before taking out a mortgage

Are you thinking of buying a property? Whether you are a first home-buyer or looking to invest, there is always something to learn to help you get a better deal.

27 Jun 2017 Read More
Saving

Five money-saving apps that will transform your financial life

Are you having trouble staying on top of your personal finances? It’s a horrible feeling when you are drowning in a growing pile of unpaid bills. Or if you can’t do something you really want to do simply because you can’t afford it. If you have the right technology at your fingertips then you can easily save time (and make money) on the go.

27 Jun 2017 Read More
Planning

Prosperity in Old Age; Managing Finance for the Retired in Australia

The biggest fear for any retiree, anywhere in the world, is running out of money. To prevent that from happening, retirees in Australia look for ways to keep their pension safe. Unfortunately, it has been reported that most Australians do not plan for their retirement sufficiently during their employment phase of life. 

27 Jun 2017 Read More