Money Talk

Keeping you up to date with tips, tricks and insights into your money and all things finance

How to keep moving house costs from spiralling

Moving house can be exciting, but it is also pretty stressful. In fact, moving house is widely considered one of life’s most stressful events, often ranking up there with divorce, job loss, or bereavement. One of the reasons for the stress can be the financial impact of a move, so

Read More

New vs established property: a key shift for investors

Recent Federal Budget announcements have introduced changes that significantly tilt the investment landscape in favour of newly built residential property. While the full impact of the measures has yet to play out, the direction of policy is clear: encourage investment into housing supply rather than established stock. This shift means

Read More

AI is changing everything. Does your portfolio need to?

It can feel as if artificial intelligence (AI) makes its way into almost every conversation, and especially for investors. From headlines about trillion-dollar technology companies to predictions that entire industries will disappear, we are being bombarded with AI news, forecasts and investment themes every day. For investors, the challenge is

Read More

Fixed or Variable? What to consider when rates rise

When you have a mortgage, choosing between a fixed or variable loan can feel like a big financial decision, especially during a period of rising interest rates. The headlines can create a sense of urgency, but the right decision is less about reacting to the media and more about understanding

Read More

Grow or stay safe: Leave your comfort zone behind

Spring has long been celebrated as the season of renewal. Trees bud, gardens awaken and nature quietly reminds us that growth continues, season after season. Perhaps we should take the hint. It’s natural to settle into routines. We shop at the same supermarket, holiday in familiar places, cook the same

Read More

Finances feel tight? Check if your home loan is the right fit

For many households, managing the cost-of-living has become an ongoing balancing act. Grocery bills, insurance premiums, utility costs and everyday expenses have all increased in recent years, placing pressure on household budgets. If this sounds familiar, you’re not alone, 77 per cent of Australians currently feel extremely or somewhat stressed

Read More

Digital tools for easier money management

Getting ahead with money used to mean spreadsheets, strict self-control and a slightly awkward monthly check-in with your bank statement. These days, you have something far more powerful on your side. Smart, accessible technology can help you plan, organise, optimise and even negotiate on your behalf.  Whatever your financial goals

Read More

Mortgage brokers

The ultimate teammate, cheer squad, and coach for first home buyers Buying a home can be daunting, particularly when it is your first time. For most people, purchasing a property will be the biggest financial decision of their lives, and to make that purchase most people will need to borrow

Read More

Providing work vehicles or other perks to staff?

Providing perks to employees If you provide work vehicles or other perks to employees – even if they’re provided occasionally – you may be providing a fringe benefit. This means you could have FBT obligations for the FBT year. Many businesses provide fringe benefits without realising it. Fringe benefits are non-cash perks provided to

Read More

AI and money decisions

Using publicly available, general-purpose artificial intelligence (AI) for money questions? Learn when it can help, and when you should get more information. If you’ve ever asked AI a money question, you’re not the only one. More Gen Z Australians (those born between around 1996 and 2010) are using AI tools

Read More

Perspective, not policy, drives long-term investment success

In the weeks after the Federal Budget’s announcement to change the rules for negative gearing and the reduction to Capital Gains Tax (CGT), headlines continue to spark debate, and a familiar question lingers: what does this mean for my investments? With ongoing global developments layered on top, it can feel

Read More

Pay off your mortgage faster

Paying off your mortgage early will save you money and take a financial load off your shoulders. Here are some ways to get rid of your mortgage debt faster. Switch to fortnightly payments If you’re currently paying monthly, consider switching to fortnightly repayments. By paying half the monthly amount every

Read More

Tips to fight funflation

Having fun has never been more expensive but you don’t have to sacrifice your social life to keep your savings on target. While the cost of most things has increased, the cost of a lot of things associated with having a good time – travel, movie tickets, sporting events, concerts,

Read More

Fuel tax credits

Fuel tax credits provides you with a credit (in dollars) for the fuel tax (excise or customs duty) that’s included in the price of fuel used in eligible business activities. Before claiming fuel tax credits, make sure: the fuel you acquire for use is eligible the business activities are eligible.

Read More

Payday Super could prompt a wave of business sales in Australia

As Australian small business owners brace for the introduction of Payday Super on 1 July 2026, industry experts are sounding alarms about the potential impact on the nation’s business landscape. The reform, which mandates that employers pay superannuation at the same frequency as wages, is expected to significantly alter operational

Read More

Financial planning for your growing family

Starting a family, whether it be taking those first steps of planning or knowing your baby is on their way, is exciting – and expensive. Before you start thinking of paint colours for the nursery, it’s wise to understand the costs involved in raising a child. Knowing the costs While

Read More

Investing for the next generation

For many, the goal of investing is about creating wealth for a comfortable financial future, as well as a legacy that supports your children and grandchildren for decades to come. But one of the greatest risks to that legacy can be the challenge of dealing with sudden wealth. When adult

Read More

Switching home loans

There can be an interest rate difference of more than 2% in variable home loan rates on the market. So, it’s worth checking the market from time to time. What difference could a lower home loan rate make? Eight times a year the Reserve Bank of Australia (RBA) Monetary Policy

Read More

Contact us for an obligation free consultation

Talk to a Centra Money Adviser today!

Scroll to Top