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 …

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 …

Getting personal insurance right

Getting personal insurance right Does everyone need life insurance? Is the policy you’re paying for through your super fund enough? Deciding what sort of personal insurance is right for you and how much cover you need takes time and asking the right questions about your individual situation. Find out more about what you need to think about to get the right insurance to protect you and your family.  With recent media coverage about insurance sales …

Your guide to getting the right personal insurance

Your guide to getting the right personal insurance Knowing you’re covered for what life has in store can really take a load off your mind. Our no-nonsense guide to personal insurance can get you on the right track to choosing cover that gives you peace of mind.   Online source: Produced by The Financial Financial Planning Association of Australia and published on 20 November 2017.  Original article.  

Personal debt – maybe the mortgage isn’t so bad

Personal debt – maybe the mortgage isn’t so bad Household debt in Australia is high but more of us are taking a sensible approach to debt management. Nationally, our household debt ratio is nudging 200%. On paper it means we owe twice as much in debt as we bring home in our pay packets each year. It sounds like an alarming figure but as 74% of all households have some level of debt, the reality …

Things you need to know about personal insurance

  Things you need to know about personal insurance Personal insurance premiums have increased significantly over the past 18 months, running the risk that cost-conscious consumers might consider cutting back their cover. Suddenly those quick, off-the-shelf insurance products advertised on TV look enticing. But simple is not always cheaper, the cover may be inadequate or, worse still, may not pay out when you need it most. Underinsurance Personal insurance is a general terms for term …