For many households, debt doesn’t come from one big decision. It builds up gradually — a credit card used for everyday expenses, a personal loan for a car or renovation,
When markets get bumpy or household budgets feel tighter, it’s common for people to start questioning their super. If your balance has dipped or returns haven’t met expectations, you might
Conventional employees can usually plan for their financial future knowing that certain fundamental parameters will not change: their regular income, their Australian tax residency, their banking arrangements, their superannuation contributions
Mortgage offset accounts have steadily increased in popularity since they were first introduced in Australia in the late 1980s. A recent study by the University of Sydney found that around
There are always two ways for individuals to hold cash – emergency fund cash and investment cash. This needs to be clarified before discussing any investment mix. Emergency
When members of a long-established couple are contemplating divorce or permanent separation, there’s more than the emotional toll to take into account. Ensure you are aware of the potential financial
The end of the year is an ideal time to pause and review your finances, but a personal financial audit can be useful at any stage. Just follow this 10-step
It can be tempting to treat superannuation as a ‘set and forget’ investment. In most years your annual statement will show what appears to be a satisfactory growth rate, so
We’ve all experienced it… the undeniable allure of post-Christmas sales. No sooner has Christmas wrapped up for the year than the frenzy of Boxing Day Sales descends upon us. Every
It’s understandable, in today’s tough housing market, that you want to give your children a leg up onto the first rung of the homeowning ladder. But before you do, stop
You may have come across the SMART acronym in the course of your employment, but here’s a reminder of what it stands for: Specific Measurable Achievable Relevant Time-bound In
The idea of downsizing can be very appealing to empty-nesters. There will be less cleaning, gardening and maintenance, more time for hobbies and travel, and the icing on the