Blog Posts

What is Buy Now Pay Later?

What is Buy Now Pay Later?

Whether we like them or not, Buy Now Pay Later (BNPL) platforms have changed the way many Aussies pay for things, but do you even know what they are? In this blog I’m going to cover: How you can legally take something from a shop without paying for it. BNPL platforms - the new...

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The pros and cons of declaring bankruptcy in Australia

The pros and cons of declaring bankruptcy in Australia

Filing for bankruptcy is a serious decision, and it is important that you are aware of the pros and cons of declaring bankruptcy before you make it. Understandably, no one wants to consider bankruptcy, as it can have a significant impact on your financial situation for several...

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Bankruptcy Due to Lockdown

Bankruptcy Due to Lockdown

There’s no denying that the extended COVID-19 lockdowns being imposed, initially in Melbourne and Sydney, and now more regionally in NSW, thanks to the emergence of the highly infectious delta variant, are starting to bite. While this measure is integral for our health and safety,...

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Can I get finance if I have a bad credit score?

Can I get finance if I have a bad credit score?

With a recent report stating that almost 1 in 4 people in Australia having some form of an adverse listing on their credit report, it’s not surprising that we are commonly asked if someone can get approved for finance with a bad credit history. So, if this is something you have...

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Low interest rates – are they good or bad?

Low interest rates – are they good or bad?

A worldwide pandemic like COVID-19 will always dominate the news, however, there are many other hot topics that regularly make news headlines. In recent times think Olympics, elections, natural disasters, the royal family shenanigans – there is certainly no shortage of material for...

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Who benefits from the Government stimulus package.

Who benefits from the Government stimulus package.

The COVID-19 pandemic has caused major widespread economic costs, significantly impacting economies across the world. In response, many Governments’ released stimulus packages to keep their economies alive. The Australian Government introduced it’s “HOMEBUILDER PROGRAM “. Who...

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Credit Repair And Debt Negotiation Industry Major Shake Up

Credit Repair And Debt Negotiation Industry Major Shake Up

In September 2020 the Australian Government announced its intention that companies offering debt management and credit reporting assistance will be required to hold an Australian Credit Licence. Treasury provided the below summary for the rationale behind this: “An element of the...

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Do you want to know how to fix your credit rating?

Do you want to know how to fix your credit rating?

Your credit rating can have a major impact on your ability to live the life of your dreams, but do you even know what it is? Most people don’t learn about their credit rating until it is too late, so in this blog I am going to share: What your credit rating is and how it is the same...

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How To Increase Your Net Worth Without Spending A Cent

How To Increase Your Net Worth Without Spending A Cent

In recent blogs I've been talking a lot about investing in your money, but do you invest in your relationships? We can spend a lot of time dreaming about increasing our net worth but do we spend too much time focussing on the wrong set of assets? In today's blog we are going to look...

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How You Can Become a Money-Making Machine!

How You Can Become a Money-Making Machine!

In previous blogs I have discussed the importance of setting goals (Check out the blog How to reach your goals faster). Yet are you wondering how you'll ever make enough money to achieve them? Well, this may surprise you... You don't have to have a huge income or win the lottery to...

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The Psychology Of Saving and How You Can Beat The System

The Psychology Of Saving and How You Can Beat The System

There's no doubt about it, saving money can be hard work. According to ME Bank, around 48% of us Aussies have less than $10,000 in savings (including savings accounts, term deposits and offset accounts). That includes fewer than 21% that have less than $1,000 in savings. But why is...

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Interested in making money while you sleep?

Interested in making money while you sleep?

In the previous blog, we learnt that the worst investment we can make is exchanging our time for money. Instead, if we really want to live the lives of freedom we deserve, we need to pursue opportunities for other streams of income. We need to start making money while we sleep! But...

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The worst, and best, investment you can make

The worst, and best, investment you can make

Have you ever wondered what is the best investment to make the most money? Well, there is a simple answer to this question, and it’s not what think!In this blog we are going to take a look at: What is a commodity? and what commodity is worth more than money? How have we all been...

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The Biggest Risk in life is ….

The Biggest Risk in life is ….

Failing to accurately assess your personal levels of risk tolerance and risk capacity before throwing yourself into the investment ring can have a significant impact on your investment decisions and subsequent outcomes, yet not many people consider these until it’s too late. In this...

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The most important investment decision you will make is…

The most important investment decision you will make is…

Asset allocation is one of the most important decisions that an investor will make for their financial future. If financial freedom is one of your goals (and let's be honest, who doesn't have that as a goal?), then you're going to want to make sure your money is working for you....

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How To Reach Your Goals Faster

How To Reach Your Goals Faster

According to studies, a staggering 92% of people fail to achieve their goals. We all have goals and things we want to achieve in our lifetime. But wishful thinking alone won’t get you there. Taking control of your finances and making a plan for your money is the best way to ensure...

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What’s a financial plan, and why do you need one?

What’s a financial plan, and why do you need one?

Less than 20% of Australian's have a financial plan, yet it is reported that 63% of people with a written financial plan say they feel financially stable, compared to only 28% of those without a plan. Put simply, a financial plan is an overview of your goals and the steps you need...

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Achieving Financial Freedom

Achieving Financial Freedom

Feeling broke sucks, owing money sucks. Isn't it time you stopped simply surviving and started living the dream? Everyone has different dreams, and likewise financial freedom looks different to everyone, but the pathway to financial freedom is pretty consistent. In this blog we are...

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How to be Financially Savvy this Christmas

How to be Financially Savvy this Christmas

No one could have predicted 2020, but what we do know is that Christmas will be on the 25th of December. However, there’s no denying that we’ve had bigger things to worry about this year than the coming Christmas period, which is bearing down on us faster than a freight train. So,...

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13 Common Myths & Misunderstandings About Bankruptcy

13 Common Myths & Misunderstandings About Bankruptcy

Understandably, no one wants to consider bankruptcy, as it can have an effect on your financial situation for several years. However, most people that file for bankruptcy usually find themselves stronger and more financially stable on the other side of it. Remember that classic...

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10 Things You Can Do To Tackle Debt Right Now

10 Things You Can Do To Tackle Debt Right Now

When your debt only seems to increase, living life can become stressful and frustrating, you can’t sleep at night and your relationships are affected. One common emotion is feeling hopeless. You might feel like there’s nothing you can do right now to make progress on clearing your...

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10 Good Money Habits You Should Adopt

10 Good Money Habits You Should Adopt

If you’re like more than half the adult population, every year, you make a New Year’s resolution to get your finances in order. That’s a great start, but unless you do things differently from what you’ve done up till now, why should anything change? But if you change your mindset...

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How to Budget Like a Boss

How to Budget Like a Boss

Budgets? So boring! If you’re anything like me in the past you’ve written one before and promptly forgot about it or realised it was totally unrealistic and given up before you even got started. But as boring as budgets are, they can be the difference between sharing a can of baked...

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