With all the talk of zero waste and emissions in the run-up to this Christmas, I like to think extravagant Christmas spending and seasonal excesses may be as redundant as traditions like eating goose. But don’t count on it. Spending big on Christmas presents few people need, eating and drinking more than is wise and… Read more »
Good budgeting isn’t about imposing unrealistic restrictions on your lifestyle. Instead, it’s about making sure your spending habits support what you love the most. When it comes to budgeting and financial planning, there is often a misconception that it is about imposing restrictions on your lifestyle. The reality couldn’t be more different; financial planning and… Read more »
How good are the Black Friday sales? It used to be that you’d spend all your money on Christmas gifts and then max out your credit card when the sales rolled around on Boxing Day. These days, you get to save a packet buying your gifts in the Black Friday sales. And hopefully have a… Read more »
Super rules change, but if you want to maximise your superannuation, there are some key things to do no matter what. The rules and regulations around superannuation change often and you need to keep up with things. First things first, read your super statements when you receive them each month. That way you can check… Read more »
Each week we ask a question to help you focus on an area of your finances that might need a closer look. This week: How often do you stick to your budget? It’s one thing to create a budget, quite another to actually stick to your budget. For many of us, budgeting tends to fall… Read more »
Asking your boss for more money isn’t a casual conversation. Instead, to get that pay rise, you need a careful plan and strategy. It is a delicate time right now. Most bosses have been through almost two years of financial hell with lockdowns sending many of them broke. If they’ve survived they are trying to… Read more »
From spendthrifts to penny pinchers, you’ll recognise some of these financial characters among your mates… or maybe yourself. So, do any of these financial characters strike you as familiar? The Scrooge McDuck Of all the financial characters, this one is perhaps the most conflicting. We all have an image of Scrooge McDuck wallowing on top… Read more »
The transfer of intergenerational wealth in Australia looms as a significant opportunity with around $3.5 trillion expected to be passed down over the next 20 years. While this equates to an average inheritance of about $320,000, around 25 per cent of inheriting Aussies will receive more than $600,000 each. Receiving a sudden large sum of… Read more »
Each week we ask a question to help you focus on an area of your finances that might need a closer look. This week: Do you have a five-year financial plan? Do you know roughly how much you’ll be worth in five years time? You should! Five years may seem like a time in the… Read more »
The Gunners were right! Once you’ve got the money basics sorted, patience is really all you need. It turns out that one of the key methods to grow your wealth requires you to do nothing much at all. At least, nothing much after you’ve set a few important plans in motion. Once you’ve set your… Read more »
