How to retire early

How to retire early Whether you choose or need early retirement, having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your retirement savings last, while still enjoying a few of your favourite comforts in life. Here are some retirement planning tips to consider when thinking about retiring …

How to play catch up with your super

How to play catch up with your super Now you can put more into super at the concessional rate of tax, starting from the 2019-20 financial year Putting more money into the tax-friendly framework of superannuation to help you enjoy a fulfilling retirement… it’s one of those things that seems like a no brainer, especially with the benefit of hindsight. In a recent report Australians in retirement said that making extra super contributions was the …

How to avoid a travel debt hangover

How to avoid a travel debt hangover You don’t want to arrive home with a spring in your step and a hole in your wallet. Here are some ways to budget for your holiday. We’ve all had the feeling. You step off the plane from Bangkok still buzzing, images from your holiday flitting through your mind—the Parthenon, Big Ben, the Eiffel Tower. What a trip…you’re not going to kiss the tarmac or anything but it’s …

How to adult—a quick guide to personal finances in your 20s

How to adult—a quick guide to personal finances in your 20s Getting to grips with debt, budget and cash flow It’s a pity there’s no handy ‘How to’ book to teach you about adult life, especially when it comes to finances. It’s something that you need to learn on the job. To make the task easier, here’s a breakdown of the three trickiest areas to get to grips with in your twenties – debt, cash …

How to spend mindfully this Christmas

How to spend mindfully this Christmas Some ways to manage your money and your time this festive season. It’s the morning after the night before. You wake up on Boxing Day and stumble into the lounge room to face what looks like…Armageddon. There’s wrapping paper strewn all over the floor, every surface is covered with toys and knick-knacks that seemed like a good idea at the time and the recycling bin is already choc-a-block full …

Holiday budgeting tips— How to avoid a travel debt hangover

Holiday budgeting tips— How to avoid a travel debt hangover We’ve all had the feeling. You step off the plane from Bangkok still buzzing, images from your holiday flitting through your mind—the Parthenon, Big Ben, the Eiffel Tower. What a trip…you’re not going to kiss the tarmac or anything but it’s good to be home! You post the final selfie to Instagram on your mobile but as you flick back to the home screen you …

How to invest in property without actually buying one

How to invest in property without actually buying one You don’t have to be a landlord, deal with tenants or put a deposit down on a home to get your foot in the property market. While investing in property may be a dream of yours, saving for a deposit, dealing with tenants and paying off a mortgage mightn’t be. The good news is there are opportunities where you can invest in property without actually buying one, with …

How to talk to your kids about money

How to talk to your kids about money Children first learn about money and how to manage it – earn, spend, save, invest, give it away – from watching and listening to adults. When we share positive behaviour and are frank about money, we create realistic expectations for children and we empower them to become financially capable adults. So, why not weave smart money lessons into your everyday moments? Download our free eBook now for ideas and …

Here’s how to lead a happier life

Here’s how to lead a happier life From our beaches and outdoor lifestyle to our democracy and cultural diversity, there a lot to feel happy about in Australia. However, living a happy life doesn’t always come easy. Concerns about money, relationships and the future can often stand in the way of living the life you want. The good news is there are ways to take charge of your happiness. Measuring happiness It may sound simple …

Successful investing despite 115 million worries and Truth Decay – how to turn down the noise

Successful investing despite 115 million worries and Truth Decay – how to turn down the noise Key points A surge in financial information and opinion combined with our inclination to focus on negative news risks making us worse investors: more fearful, more jittery, more reactive, less reflective & more short term. This is potentially harmful to our long-term financial health.   Five ways to turn down the noise & stay focussed as an investor are: …