Foundations

Date Posted: 6 December 2016
Get the most out of your retirement
The key to having the retirement that’s right for you is in planning ahead. Think about what retirement means to you, what you’d really like to do (even if it’s outside the traditional model), and do some organising in all areas of your life.
Date Posted: 2 December 2016
How to set goals you’ll actually achieve
Setting goals is all very well, but you’ll want to make sure they’re really achievable. To do that think outside the square a little, know your why, set your intentions each day and keep up your motivation.
Date Posted: 6 January 2016
Protecting your family’s future
If you have a family who are financially dependent on you, it’s important to make sure they will be looked after if something happens to you and you no longer earn an income. You can take out an insurance policy inside or outside of your super fund, and there are different types of cover available. Deciding how much insurance cover you and your family need can be tricky, but there are guides and calculators available that can help you to work it out.
Date Posted: 29 June 2015
Downsizing to a slower approach to life
If you’ve been used to long hours and a busy lifestyle, slowing the pace of your life can be more challenging than you’d imagined. Head into this transition stage towards retirement with some planning and a positive approach.
Date Posted: 28 June 2015
How to overcome financial stress
If, like more than half of all Australians, you find yourself suffering from financial stress every now and then, there are things you can do to get yourself into a better financial situation. Take advantage of some of the great budgeting calculators and apps available to get an accurate picture of what you spend and what you owe. If you have excessive debt, work out what you’re paying in interest and try to pay off the loans with the highest rates first. Your lender may be able to offer you better arrangements to help you meet your repayments, or you could consider consolidating your debts or refinancing your loans. The most important thing to do is make a plan, and stick to it.
Date Posted: 28 June 2015
Renting vs buying: Which makes more sense for you?
Before you start attending open houses and shopping around for lenders, take the time to work out whether renting or buying your home is the best option for you. Consider whether it makes better financial sense for you to rent your home and invest in an asset other than property, such as shares. Work out how much you will have to pay in ongoing maintenance, rates and insurance on top of your mortgage repayments and think about whether you will be able to afford it, both now and if your circumstances change. Lastly, think about how much you value the security of owning your own home and being able to change a property to suit your tastes and needs.
Date Posted: 13 April 2015
Mortgages explained - Part 2
Deciding to buy your first home can be one of the biggest and most exciting decisions you’ll make. But for the first time buyer, it can also be daunting, especially when it comes to borrowing the money you need. So here’s a run down of what to expect and some tips on organising your mortgage.
Date Posted: 13 April 2015
Mortgages explained - Part 1
Deciding to buy your first home can be one of the biggest and most exciting decisions you’ll make. But for the first time buyer, it can also be daunting, especially when it comes to borrowing the money you need. So here’s a run down of what to expect and some tips on organising your mortgage.
Date Posted: 24 February 2015
How to teach your kids about money
Before the days of online banking, credit cards and ATMs, cash was king. You were paid by your employer in cash, you paid your bills by cash or cheque, and if you wanted to buy something at a shop you used cash for that as well. But people born in the 1980s or later have grown up in a world where a small piece of plastic is the primary way we pay for everything we want and need. Money has become invisible and it’s easy for kids to think that the supply is unlimited.