The word “thrifty” is rarely thought of in a positive sense but that’s not fair. If we continually spend more than we earn, our debts will eventually catch up and other words such as “default” or “bankrupt” might become more familiar.
Read MoreTopics: Wealth creation, Debt Management, Personal budget
Many Australians like to invest in property. However, property is not the only investment option out there. It is important to think about diversification – spreading your investments across a range of assets, markets and industries. There’s no question that property can be a great investment, it can provide good returns via capital growth and rental income and depending on your circumstances can allow for negative gearing. Although, as with all investments it does have its risks and disadvantages, so what other investment options are available?
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Whenever the term financial advice is mentioned it is commonly associated with an individual’s financial goals. Whether you have a type of ‘Christmas list’ as long as your arm of things that you’d like to buy, or perhaps you’ve never really thought about it and just buy what you want when you want – financial goals are almost always at the forefront of your mind, you just might not know it yet.
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Life insurance is more important and more accessible than you might think.
Read MoreTopics: Personal Insurance
While 81% of Australians think life insurance is too expensive, 61% overestimate the cost.[1] But as you can see through the examples below, compared to other things that we spend our money on*, life insurance is not that expensive at all.
Read MoreTopics: Personal Insurance