Are you a money pushover?

Are you a money pushover? Being loyal, generous and spontaneous are all positive human traits. But if you’re spending more than you need to because you can’t say no, then it could be time to own up to being a money pushover. Get tips on how to stop compromising on your finances and start standing up for yourself. If you’re shy about coming forward to collect money you’re owed and always the one picking up …

Being a smart Santa with your gift budget

Being a smart Santa with your gift budget When you’re under pressure to give that perfect present at Christmas it can be much harder to stick to a budget. Find ways to make your gift budget go further with our top tips for giving generously without going overboard on spending. When giving gets expensive According to comparison website finder.com, the average Aussie is planning to spend $464 on Christmas gifts in the lead up to …

Your festive finances

Your festive finances Debt isn’t a welcome guest for any family at Christmas time. And yet blowing the budget and paying it all back next year is tempting when we’re trying to make it the best festive season ever. Get tips on how to keep your finances in the best of shape as you get ready for Christmas so you can enjoy a debt and stress-free new year. The festive debt hangover Getting into debt …

Debt – just how big a problem is it?

Debt – just how big a problem is it? Recent figures show personal debt levels in Australia are among the highest in the world. So does this mean we’re heading for a debt disaster? Or are we doing the right kind of borrowing to get ahead with finances? Find out what kind of debts can be a problem and how to keep borrowing within safe limits. Top five in the world for debt In Australia, …

Breaking the debt cycle: Tips for millennials

Breaking the debt cycle: Tips for millennials Research from James Walker-Powell CFP®, Principal at More4Life Financial Services shows millenials are having their lifestyle choices limited by debt. Find out more about how personal borrowing can hold you back and get guidance on how to keep your finances on track in your younger years. When borrowing becomes a problem As father to a daughter who left school recently, James takes both a professional and personal interest in the …

How much super should I have?

How much super should I have? It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Find out more about coming up with a super balance target, for your age group, and for the retirement lifestyle you have in mind. Above or below average? Assuming you’ve been in the workforce for a few months, years or …

The super split

The super split By the time you retire your super may be one of your biggest assets. So when it comes to a divorce, it’s a very important part of a financial settlement. Find out from legal and financial experts what you need to know, and what to keep in mind when it comes to super and separating your family finances. Splitting your financial assets during divorce is often a complex and difficult process. In …

Who calls the money shots in your relationship?

Who calls the money shots in your relationship? When it comes to all things money, how are decisions reached in your relationship? Is everything up for discussion or do you each take the lead on different financial matters? The recent UBS Own Your Worth report based on a survey of 1700 married couples in the US revealed some interesting findings about who takes charge in money matters. 88% of women in same-sex couples and 90% of women …

What to look for on your super statement

What to look for on your super statement Super statements come but once a year (or twice with some funds). When yours arrives, it’s important to take a proper look because it could become one of the biggest assets you’ll ever have. Here’s our quick guide to what you should watch out for and why. 1. Personal details Check your name and address are present and correct. Not having the right details could lead to …

8 family finance tips to have more money

8 family finance tips to have more money How can you make a difference to your family finances in the year to come? By acting on even one of these eight tips you could be finding yourself a lot better off in 12 months’ time. And if you do all eight, the sky’s the limit. Cameron McLean is a Financial Planner AFP® with Acumen Wealth Management in Perth. His special area of interest is helping families to be …