money & you

3 ways to pay off your home loan sooner
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At some stage in our lives most of us will experience the various highs and lows that go hand in hand with home ownership.  Undeniably today the biggest pressure associated with realising the dream of having a place to call our own, is keeping up with the mortgage repayments. For those who buy their home…

How financially literate are you: take this quiz
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The Household, Income and Labour Dynamics in Australia (HILDA) Survey, out today, found women exhibiting much lower levels of financial literacy than men – how do you score? writes… Roger Wilkins, University of Melbourne The Household, Income and Labour Dynamics in Australia (HILDA) Survey tells the stories of the same group of Australians over the…

5 critical estate planning documents
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Estate planning is different for everyone and especially in today’s modern environment of potentially blended families. So, with more people remarrying, it’s critical to prepare for the distribution of your wealth on your passing. While you are alive, the estate planning process allows you to manage and preserve your wealth for those you will one…

The Number One Key to Wealth
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The average person sees over 5,000 marketing messages a day. Almost all of it says the same thing: “Buy this and you’ll be happier, healthier, cooler or better looking.” It’s always been this way, only now, the Internet and social media have amplified the frequency and intensity to a point where it’s inescapable, and a lot…

Here’s What People Buy When They Spend Impulsively
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Work is crazy, your schedule is crazy, and you feel like you’re going crazy. You attempt to buy your way to calmness, so you hit up your favorite store or you hit the BUY NOW button online.  Somehow, you feel a sense of satisfaction. Relief, even. We’ve all been there. Impulsive spending is certainly nothing…

7 of the most common SMSF errors — part two
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Did you know that there are now more than 600,000 Self-Managed Superannuation Funds (SMSF) in Australia? Plus the average fund balance is more than $1 million?  SMSFs have soared in popularity over the past decade, especially because funds can purchase certain types of property to help grow their retirement wealth position. However, as outlined in…

17 Saving Strategies That Actually Work
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If you’ve ever checked your bank balance at the end of the month and wondered “where did all my money go?” you’re not alone. In fact, a 2016 survey revealed that nearly 60 percent of the population doesn’t have enough money saved to handle an unexpected expense of $500 to $1,000. That means something like…