Budgeting

Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other words, the areas that need some attention and possible alterations. These might include: While it’s normal to have pain points like these, it’s important to recognise them for what they are […]

The maths behind financial independence is incredibly simple. But, if that’s the case why do so few Australians achieve financial freedom? It’s not for the lack of knowledge – there are so many money blogs, videos, and podcasts out there. Instead, it’s a combination of our mindset, habits, and behaviours that rule our financial destiny.

Ah, the holiday season: a time for festive gatherings, endless cheer, and, let’s face it, a bit of financial chaos if you found yourself swept up in the whirlwind of gift-giving, travel, and all those delicious holiday treats. Now the holidays are behind us, you might be feeling the aftershocks in your bank account—a classic

Debt consolidation is when you rollover all your unsecured debts under one debt so that you only have one interest rate, monthly payment and fees to pay off. However, there’s no single way to knock down debts. Some people consolidate their debts and pay them off by taking out a loan or applying for a

In the fast-paced world we live in, managing finances can often become an overlooked aspect of our daily routines. However, the advent of technology has introduced a seamless solution to this challenge: automating your savings. Particularly in Australia, where the financial landscape is ever-evolving, setting up an automatic savings plan can offer a multitude of

For many people, debt is a dirty word. But not all debt is created equal. There’s good debt and there’s bad debt, and then there’s the good debt that can get pretty ugly if it’s not managed properly. Learning to use debt intelligently could make all the difference to your personal bottom line. Good debt

Rising levels of debt and finding ways to manage it is a concern for many of our clients. For some, it’s aiming to improve their credit score when applying for a mortgage or government home ownership scheme. For others, it’s being able to cover rising mortgage repayments or unexpected expenses. Fortunately, there are a number

The new year is a great time to start thinking about your future and how you would like to spend your retirement. As well as creating a bucket list of things you’d like to achieve or experience in the next stage of life you should also check your finances and see if your savings are

What is an emergency fund? An emergency fund is a financial safety net, offering you instant access to money when you need to cover the cost of unplanned expenses, like losing a job, unexpected travel or a medical emergency. This involves putting funds aside periodically so you can dip into this cash reserve without needing

Life is expensive. The cost of living seems to be increasing almost as swiftly as Sydney’s house prices, and it can be a struggle to keep your head above water financially, let alone prosper. But do you want to know the truth? Deep down, there’s usually a reason why you’re broke… and it’s often because you

Here are some quick ways to reduce your living costs. Having a money plan helps you stay on top of your spending and bills. There’s also free support and services to go to if you’re feeling overwhelmed. If you’re in crisis and struggling to pay for essentials, there are services to help you with food,

Let’s face it, while we want to be living our best lives, it is only too easy to get bogged down by the daily grind. If you are one of those who tends to put off financial admin tasks – read on as the boring stuff can have benefits! This is particularly true if you