Time to start your Christmas Budget…

I know! Can you believe we’re already talking about Christmas?! It may seem a little early, but Christmas is one expense that has the biggest effect on our cashflow every year so the earlier we can start planning for it the better. Christmas means different things to different people but the joy of giving gifts is something that’s very special to ... Read more

Christmas Saving Tips!

It's getting to that time of year where things can get a bit expensive if you’re not careful but there are lots of ways to save money and still enjoy your festive season. Check out these great Christmas saving tips: Have a pre Christmas clean up - Clean up around the house and sell items you don’t need - hold a ... Read more

Rounding up Redraw Requests

– the true cost of adding a little extra! It’s that time of year again, nearing the end of winter and the wardrobe needs a little refresh, so you want to get yourself or the kids a few new items. You think you’ll need around $170, but you request a redraw of $200 just to make sure you cover everything. Sound familiar? It ... Read more


The whole key to living a fulfilled and happy life is Contribution and Growth. When you are able to donate your time and money towards areas you wish to give, the feeling you get inside is true fulfilment and the universe rewards you 10-fold. Contribution is something which I have embraced more and more into my everyday life. I used to ... Read more

Your Tax Refund

Is best spent on your home loan It’s tax time again and if you’re anything like me you’ll spend the next few weeks rummaging through all the piles of receipts you’ve stashed in that “safe place” for later. Getting everything together can be a pain but we do it each year in the hope that we’ll receive a small windfall in ... Read more

Five Insurance Policies You NEED!

Do you sleep soundly at night, knowing that you’re well-covered across all areas of your life? According to Lifewise, Australia is one of the most under insured nations in the developed world, with over 80% of us not having adequate insurance to replace our home and contents if it were damaged in a fire, flood or another accident.In fact, recent research ... Read more

Retire sooner on your own terms

How will you retire if you still have a mortgage to pay? I recently sat down with a client of mine, Andrea, who is 49 years of age and had a 28 year home loan with the CBA. We started talking over a cup of coffee and she was telling me that she was starting to become stressed about how she would never ... Read more

Live life on your own terms

Let’s get one thing straight: you will NEVER gamble your way to wealth! Recently, I read a fascinating article about Australia’s lottery system.It described life in the small low-income towns and rural areas throughout Australia, where a high percentage of people struggle with money living from pay cheque to pay cheque. They frequently encounter financial emergencies (such as medical or car issues), ... Read more

How do you plan for upcoming expenses??

Over the past decade of studying peoples spending behaviour we have seen that the clients that regularly call in to discuss their large upcoming expenses and how to best structure them, have benefited financially from the independent advice we give. It has usually resulted in preventing their cash flow from being drained for that large expense / purchase and they continue ... Read more

Will more money make you HAPPIER?

A not-so-secret formula to live happier Over the past 13 plus years of talking to Australian families about money, there have been three key factors that all of my ‘happiest’ clients have had in common: Happiness = A Sense of Purpose + Being in Financial Control + Strong Personal Relationships Everyone always thinks that earning more money will make them happier, but in ... Read more
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*Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. Please note this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.