Prior to the holiday season we put out some information on budgeting through this time of the year. How did you manage your finances? Do you have some outstanding credit card debt or overdrafts? The best advice for budget and debt management is to not ‘put your head in the sand’ and hope it goes […]
We are constantly impacted by social media with images of what we should be and should have. Its hard to escape and even more difficult to separate our own goals from those of others. Trying to have it all, juggling to keep up and only to find that you are not only unhappy but also […]
Moving on from the last blog on Budgeting (if you missed it have a read here) where we analysed our expenses and set up a basic Budget account. Now the next step is to have funds ready for the inevitable. While some might call a “Rainy Day” account, we describe it as money kept aside […]
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IT’S THE ‘C’ WORD, AND I’M USING IT FIRST! Christmas that is! It comes only once a year but surprisingly few people are prepared financially. The last minute stress of getting just the right present, having enough food, drink and crackers can be enough to leave us all in a New Year hangover. Not to […]
A simple way to organise your finances! To begin you will need to get your information together. Write down all the bills you spend in a 12 month period. These are the expenses you know you will have, for example: INSURANCE (car, house, personal, health) COUNCIL RATES WATER RATES ELECTRICITY AND GAS PHONE AND INTERNET […]
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In this article in the Sydney Morning Herald we read the story of one young woman who first obtained a Home loan six years ago, today the process is very different. https://www.smh.com.au/business/banking-and-finance/checking-on-lunch-kebabs-has-the-home-loan-crackdown-gone-too-far-20181213-p50lzw.html Changes in legislation and the National Credit Consumer Protection Act have tightened lending requirements and focus on providing a loan that is not […]
summer 2018 December 2018 Newsletter
Spring Newsletter September 18
