CASHFLOW AND BUDGETING

Salary sacrifice vs personal contributions to super

If you are an employee, there are two ways in which you can optimise the tax effectiveness of your additional super contributions: opt for a salary sacrifice arrangement, whereby your …

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Financial literacy for our children

Financial literacy is a fundamental life tool. Teaching our kids about financial management from a young age should be a high priority as this is now recognised as an important …

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Is paying your mortgage off quicker really the best option?

Not so long ago one of the most effective, low-risk wealth creation strategies was to pay down a mortgage using spare savings, either directly or via the disciplined use of …

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Work, life, travel – you can do it all!

Travelling the world and seeing the sites is an expensive endeavour, particularly when young. This article explains how working abroad can help you live the work-life-travel dream. Michael was twenty-something …

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If you think you’d never fall for a scam, read this

If you are aged over 50, male, highly educated, financially literate and manage your own super, beware. You’re at a higher risk of being the target (and victim) of organised …

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8 handy tips for travelling overseas

Even for seasoned travellers there’s a little bit of magic involved in hopping on a plane in Australia today and disembarking in a far-off destination like Istanbul or London tomorrow. …

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Traps to avoid in retirement – Going too hard too fast

Retirement: you’ve made it! And one of the rewards for all your hard work is that you can now access your superannuation. Suddenly a world of opportunities opens up – …

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When to start talking money with kids

If you want your kids to get into good habits with money, when should you start teaching them about it? Are the pre-school years too soon for pocket money and …

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How much income do you need in retirement?

Many people will say they are dreaming of retirement, but some are not taking the necessary action to make it a reality. In fact, there are not too many people …

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Building your ‘Family Future Fund’

How much does it cost to raise a child? Obviously, the answer is highly dependent on individual circumstances. However, as a guide, a 2013 national study* found that a typical …

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What’s your magic number?

According to a recent survey *, Australians tend to underestimate the amount of money needed in our retirement years by as much as 20%. Survey respondents, including active Australian investors, revealed …

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When is a good time to retire?

There has been much social and political debate since the federal government proposed pushing out the age at which Australians can access the age pension. Although most occupations don’t have …

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5 common financial mistakes people make in their 40s

The 40s are, for many people, a critical decade for building wealth. Income is usually on the rise, but so are expenses such as mortgages and school fees. Juggling priorities …

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What will you do with your tax refund?

Thousands of Australians receive tax refunds every year. Some refunds won’t even cover the cost of a pizza to celebrate, however many are quite substantial. If you’re one of the …

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Buy now, pay later – manage carefully

Before heading off on an overseas holiday, Sam decided to buy an expensive new camera to document his travels. The camera store offered a ‘buy now, pay later’ option and, …

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