Seasonal Affective Disorder….5 ways to beat the winter blues Have you found yourself full of energy during the warmer months but as the cold winter weather closes in, you begin to lack energy, sleep more and lose pleasure in things you would usually enjoy? There is a name for it… Seasonal Affective Disorder or SAD. […]
Have you ever been given advice from your family, uncle John or friends about what is the best loan and where the best properties are? Why you should invest in property and why you shouldn’t? It should be negatively geared, it should be positively geared… and so on. Even people who have never invested in […]
Interest free loans can work in a number of different ways: • Pay by instalments – regular payments are required each month. • Buy now, pay later – you are not required to make any minimum repayment. WHAT YOU NEED TO KNOW MINIMUM PAYMENTS – In most instances the minimum repayment will not be sufficient […]
Tempted to buy that new lounge, home theatre system or television but don’t have enough money to pay for it right now? Before you sign on the dotted line for in-store interest free finance, think carefully and read the fine print. More importantly, do your research! Well… we have done this for you! Many retail […]
Spend less than you earn champagne taste on a beer budget? Pay down non-deductible debt first Any debt that doesn’t make you money or create your wealth should be paid down first. Start repaying your store and credit cards and personal loans then your home loan BEFORE your investment debt. For every $5,000 racked up […]
Apart from all the physical, emotional and family effects, mobile technology has changed the way we use and value money. We live in a world where we don’t see physical money often. Online purchases are made and cards are tapped or swiped. Data from comparison site finder.com.au reveals if current trends continue, physical cash could […]
Why people DO it Around 20% of Australians invest in property for: • potential capital growth • rental income • tax benefits They tend to consider property one of the more solid, less volatile forms of investment because you can actually touch bricks and mortar. They like the feeling of getting ahead financially. They don’t […]
A state of insufficiency We all know that technology has become an increasing part of our everyday lives across all generations – and none more so than children. In fact, Australian children as young as four and five years old are spending 2.2 hours each week day watching screens. Those numbers increase to 3.3 hours […]
TOO MUCH OF THE MONTH LEFT AT THE END OF YOUR PAY? Do you tend to overspend? If so, you are not alone! Did you know?… • A staggering 86% of the Australian population don’t know how much money they are spending every month, although 90% think they have a good handle on their spending. […]
With so many cards, accounts and transactions, combined with less time and more financial stress, we’ve been racking our brain on how to help our clients track their spending better and help them take some financial accountability. So we thought we’d share a few easy to use, low or no cost ways of helping you […]