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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Unfortunately, fraud is a prevalent part of today’s society. For a scam to work it is almost always necessary that the targeted individual, although unwittingly, will be asked to provide or do something to help the scam progress.
Read MoreTopics: Personal Financial Planning, Wealth creation, Risk Management
What does financial success look like for you? Everyone has different hopes and dreams, but one thing shared by every individual goal is the need for a plan to make it happen. Whether you’re looking to save for an overseas holiday next year or you’re working towards a retirement free of money worries, making a financial plan is an important step in the right direction.
Topics: Retirement Planning, Personal Financial Planning, Wealth creation