Five free apps to help you deal with your money worries

Struggling to ditch a bad habit? Feeling overwhelmed by anxiety about money? These apps could help you get your budget back on track. GROUPEE Cost: Free OS: iOS 11.4 or later; Android 7.0 or later If you've ever had trouble collecting…

A beginner's guide to investing in shares for the first time

The concern about the economic impacts of the coronavirus is a classic example of how fear and uncertainty can create share price volatility (prices moving up and down a lot). As hard as it may seem to buy shares into market sell offs, this…

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 employer makes additional superannuation contributions…

Reviewing your insurance as you get older

So, you are seriously starting to think about your retirement. The kids are finally more independent, the mortgage is less than it was, and the super is more than it was. You look at your monthly bank statements and one particular debit is…

Super life cover

Is holding insurance cover in your superannuation fund a good idea? Read on...   Life and total and permanent disability (TPD) cover Many super funds provide insurance that pays a lump sum if you die or are disabled to such an…

Five reasons to refinance your home loan

Many people treat their home loan as a set-and-forget, riding out whatever the original loan terms and prevailing interest rates dish up. They may be doing themselves a disservice, as there are several ways in which borrowers can benefit from…

A helping hand to step into your first home

Struggling to save for a 20% deposit on your first home? A recent Australian Government initiative may allow you to buy your first home with a much smaller deposit, helping you take that first step to home ownership years sooner. What is…

Unlocking financial secrets for different phases of life

One of the keys to financial success is to adopt the right strategy at the right time. As you move through the stages of life here are some tried and tested ‘secrets’ that will help you build and protect your wealth. Teens and young adults Time…
,

Getting your bills paid on time

Running your own business can be extremely rewarding but there will always be times when it will be quite the opposite. Depending on the business, many factors will determine the success or failure of a small enterprise however the most common…