Affording a Higher Education
According to the government’s Study Assist website, a three-year commerce or law degree could be around $50,000 – and that’s just the start. Many Australians believe they can’t afford
October 6, 2026
Budgeting
Budgeting on an Irregular Income: A Guide for Sole-Trader Contractors and Freelancers
Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But
September 8, 2026
Escaping the Subscription Trap
How many subscriptions does your household currently have? Most of us, when we consider subscriptions, think Netflix, Prime, perhaps an online newspaper or magazine. But if you pause for
July 14, 2026
When Good Money Doesn’t Mean Financial Security
Not so long ago, a six-figure salary was considered a solid income. But you didn’t suddenly become extravagant, so why are you now feeling like you need to tighten
June 30, 2026
How Many Bank Accounts Should You Really Have?
There’s no such thing as a perfect number of bank accounts that will suit everyone. But there are good reasons for avoiding the extremes of having only one account
June 16, 2026
Why Budgeting is About Managing Cash Flow – Not Just Cutting Costs
The core purpose of budgeting is to control cash flow: cash in, cash out, and what’s left over. Kudos to you if you’ve created a budget where your annual
June 2, 2026
Loyalty Tax – Are You Paying More Than You Should?
Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee. Imagine her surprise, when a friend
May 19, 2026
How to Avoid Income Tax Bracket Creep After a Pay Rise
You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket,
May 5, 2026
How to inflation-proof your household budget in 2026
There’s no escaping the fact that retail prices, utility bills and interest rates remain persistently high. If you’ve managed so far, but feel as if you’re stretched to the limit
January 6, 2026
Your 10-Step Personal Financial Audit Checklist
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
December 30, 2025
Setting SMART Financial Goals That Actually Stick
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
November 4, 2025
WAIT! Before You Buy That…
Every time you spend money, you’re making a choice about your future. Will this purchase bring lasting value to your life, or is it just a fleeting desire? Will it
March 25, 2025