Saving

8 Family friendly ways to save

Regardless of the size of your household budget, you’ve probably experienced weeks when money is tight and it feels like your family has to miss out on indulgences. But with simple changes and adopting new habits that actually create closer connections with your family and friends, you can enjoy a richer lifestyle—while also saving money.

6 Jul 2017 Read More
Saving

No Money? Here's how to have a holiday on the cheap

We all know it’s important to take regular holidays to take care of ourselves and those we love. However, what do you do when you need a holiday but there’s no savings to dip into and you don’t want to go into serious debt?

6 Jul 2017 Read More
Saving

Tax tips: what you can and can't claim

Get your receipts ready! While some people delight in the quest to claim every possible deduction at tax time, others are confused and may not be claiming everything they’re entitled to. Here’s what you need to know

6 Jul 2017 Read More
Planning

7 tips to help create a good financial plan

According to Money Smart, 43% of Australians who save don’t have a clear financial plan.However, it’s never too late to sit down and review your finances to make positive changes. Cutting down on spending entirely isn’t the answer. You may think that spending on bigger ticket items such as holidays or that big screen TV is what has been causing you financial grief. Usually it is actually the everyday little things that end up costing you more long-term.

27 Jun 2017 Read More
Saving

3 ways to save money on a family holiday

Travelling with your family can be wonderful and create long lasting memories. It can also be very expensive. Whether it be a local trip or an international getaway, affordable holidays do exist if you know where to look.

27 Jun 2017 Read More
Planning

4 money mistakes to avoid in 2017

What kind of saver are you? Almost half of Australians have no clear strategy when it comes to their finances according to the Australian Securities & Investments Commission. A few wrong moves and you could end up in trouble. That’s why it is crucial to ensure you create a financial plan.

27 Jun 2017 Read More
Protecting

Dad’s little secret

We all know that life doesn’t always go according to plan but where you find comfort, strength and support can be equally surprising. Christine Hornery, AFA 2013 Female Financial Adviser of the Year, of Financial Management Solutions on the Central Coast of New South Wales shares the story of client, Steve who’s family found comfort, strength and support in a secret he’d kept.

10 Jul 2015 Read More
Planning

Are you and your partner speaking the same language?

When two people talk about their goals, what’s important to them and how they see their future, they can seem completely aligned. They use the same words and seemingly agree on what they want.

But are they speaking the same language? If they use the same words but visualise different experiences; and the “when” and “how” are out of sync, the importance of “what” can be lost.

Financial Adviser, Christine Hornery of Financial Management Solutions on the Central Coast of New South Wales shares a story of two clients who struggled to reconcile the different paths they visualised to the same destination.    

10 Jul 2015 Read More
Planning

The Change

When you find out that your partner is wanting divorce, it’s like a traffic accident, everything goes into a slow motion. You can see it all unveiling around you, but you just don’t know what to do, or who to talk to. Whether it comes as a sudden shock or more gradually, divorce and separation brings emotional confusion to peoples’ lives and challenging issues to their finances.

9 Jul 2015 Read More