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Your home loan will likely be the largest debt you pay off in your lifetime.
Importantly, by taking a proactive approach—such as refinancing, if appropriate—you could reduce the amount of interest you pay and the life of the loan. In turn, freeing up cash flow sooner to direct elsewhere.

Just when you thought you’d reached your limit, life throws more unexpected challenges at you. How can you get through it? For many, life isn’t easy at the moment. The floods have devastated parts of NSW and QLD, and while it might be having a hiatus from front-page news for a minute, COVID is still […]

Change is inevitable, and is more often than not associated with progress. However, this is not to say change, especially regarding technological advancements, is always beneficial to our professional and personal lives. This is something we briefly discussed in our article, ‘Consumer payments behaviour: How do you compare?’. Namely, technological advancements, and the potential for them to influence consumers; […]

Becoming a master of delayed gratification means you can buy as many marshmallows as you want, forever.
Delayed gratification is basically your ability to resist the allure of an instant reward and hold out for a potentially greater reward in the future.

Saving money can be difficult at the best of times. But when everyday items such as electricity, groceries, and petrol prices go north, it pays to have some smart strategies up your sleeve to help you keep the saving momentum going.

A core purpose of super is to provide support (benefits) in retirement—accessing and using the wealth we accumulated while working to generate income to support us in our retirement years. And, death aside, the main conditions of release (ie situations in which we can access super) broadly operate in conjunction with this.

For many of us, personal insurances can be a key risk-management strategy worth considering. It’s a plan B in the event of an unexpected passing, disabling sickness or injury, or traumatic event.
Notably, the probability of claiming* on an insurance policy by age 65 is 28% for males and 23% for females.

Reflection can be a useful tool when entering a new year and looking to build upon what you have already achieved towards your goal. Reflection can help identify present habits that are either aiding (desirable), or hindering (undesirable), you on your path to achieving your future goals.

Approximately one-third of our adult life can be spent at work. Importantly, without work and the income derived from it, many of us would find it difficult to: maintain our present living costs, and, execute plans in relation to accumulating wealth to fund our future living costs. However, income is often just one reason (albeit a key […]

Spending money or saving money? This is the ongoing battle between present and future self. The battle can be unfair as your current self can be stronger than your future self – and this applies to money as well.