Money Talk

Saving for your home deposit faster

When you’re saving up for a house deposit, every little tactic can help. Here are some ways to save smarter so you can buy your first home sooner. Start with a goal Buying a home is big financial commitment and saving enough for a house deposit can seem daunting. Having a goal

Read More

ORGANISE YOUR SPACE, YOUR MIND AND LIFESTYLE WILL FOLLOW

Few of us are naturally enthused by the idea of rolling up our sleeves and undertaking an intensive deep clean, whether it be of our desk drawers or downloads folder. We’re more likely to procrastinate than organise our lives. All too often we let pesky distractions get in the way of real

Read More

Refinancing traps to avoid

Whether you’re after lower repayments or want to tap into the equity sitting in your home, refinancing can offer significant benefits. Here are some things to be aware of so that you don’t find yourself hooked into a bad deal. Don’t be fooled by the interest rate Finding a lower

Read More

HOW TO PERSUADE ANYONE THAT YOU’RE RIGHT – EVERY TIME

Learning to persuade people is a skill that’ll take you far in life. From navigating a pay rise, to deciding where to get dinner, knowing how to change people’s minds is something everyone can benefit from knowing. In fact, it’s such a difficult skill to master that people dedicate time, training

Read More

Improve the Cash Flow of my Business

If you’re running a small business, one of the biggest problems you face is cash flow. Here we look at some of the ways in which you can improve the cash flow of your business, including:     Overdrafts     Credit cards     Factoring, debtor finance or invoice

Read More

6 THINGS TO STOP BUYING TO SAVE REAL MONEY

Small savings goals are important, but are you really going to save for a house deposit or a Europe trip in foregone takeaway coffees alone? Here are six substitutions to make on things you’re already buying – that could save you thousands per year. Stop buying to start saving. #1

Read More

Investing in Commercial Premises through an SMSF

Some of the most important decisions a business owner will make are about their premises: whether to rent or buy, where to base the business and even the style of the property are important to get right. For those with an SMSF, there is one more option to consider: landing

Read More

A property report can help you pay the right price

When you fall in love with a property, it’s possible to get carried away and pay too much. But a property report can help you strike a balance between your heart and your head. After dozens of uninspiring open houses, you finally stumble across a place that just feels right

Read More

Safeguard your ability to pay off your home loan

It’s not unusual that life can be smooth sailing one minute and throw you a curveball the next. You might be hit with an injury or illness, a reduction in income or redundancy, a separation from your partner, or even a death in the family—all of which can be difficult,

Read More

How can I own my home sooner?

It doesn’t have to be the stuff of dreams. There are several strategies that could help you pay off your home loan sooner. And it doesn’t necessarily mean sacrificing the things you love doing today. The first step towards paying off your home sooner is to understand your loan—how much

Read More

Managing your money when you move in together

Living together is a big step. You may be merging your lives more closely, but should you merge your finances? So you’ve taken the leap and decided to move in together. It’s an exciting time which can take your relationship to a new level, but it can also add new

Read More

It’s happened!  The Australian Prudential Regulation Authority (APRA) has bumped up the serviceability buffer in response to concerns around overall household debts. In a letter to lenders explaining the move, APRA said that it now expects lenders to assess a new borrower’s ability to meet their loan repayments at an

Read More

How Aussies can invest like Warren Buffett

Arguably the most successful investor of the modern age, Warren Buffett is still the chairman and CEO of Berkshire Hathaway at 90 years old, and currently has a net worth of over $100 billion, writes Robert Francis. While Buffett is famously frugal, eating at McDonald’s for breakfast every day (spending

Read More

How to avoid paying too much on your loans

Knowing what a property is worth is central to avoiding paying too much for it. Set a benchmark Comparing nearby properties that have sold recently is the best way to assess an acceptable price for the property you are looking at and provides a valuable bargaining tool when you are

Read More

Calls for car registration refund in Victoria grow stronger

An online petition calling for financial relief from car registration costs in Victoria has recorded more than 65,000 signatures. With the majority of Victorian residents living in lockdown conditions for more than 240 days this year – and their vehicles sitting mostly unused – many are demanding a reprieve from

Read More

4 property trends and how first home buyers can navigate them

Finding your sense of direction in Australia’s property landscape is usually the first step towards taking advantage of it. The last 18 months have seen new patterns of behaviour emerge in the property sector, but first home buyers might struggle to make sense of them. Two Red Shoes’ Rebecca Jarrett-Dalton

Read More

2 in 5 relying on credit card to fund festive season

According to new research by consumer education website CreditSmart, more than 40 per cent of surveyed Australians said they would rely on credit to help them with their festive budget blowout this year. Asked whether they are likely to spend more than they budgeted for this year, one in three

Read More

Contact us for an obligation free consultation

Talk to a Centra Money Adviser today!

Centra Money Scroll to Top