Adrian Raftery senior lecturer at Deakin University and author of “101 Ways to Save Money on Your Tax – Legally!” reveals the tax changes taking effect from 1 July.
A decade ago I was director of an award winning business and was living comfortably with my husband and children. I never dreamt that in a few short years I would be filing for divorce and bankruptcy.
Whether your dream car is a vintage classic or a top-of-the-line model just off the production line, finding the right car loan can turn that dream car into a reality.
If you want to use a loan comparison site to find your perfect loan, you will need to know what to look for, what to compare, and what is right for you.
While some people of working age are planning never to retire because they enjoy it too much. Others are delaying retirement for economic reasons.
Construction has commenced in Melbourne on a 20 level apartment building designed specifically for women. Situated at 2 Claremont Street in South Yarra, Ella Apartments by Spec Property is comprised of 167 light filled apartments. Located in a prime position, overlooking the expansive Melbourne city skyline, a glamorous hotel style foyer will greet residents and […]
Are you partly (or largely) at fault for the 0.46 per cent rise of credit card debt in Australia since April? With credit card interest averaging 19.55% it’s likely you’re not alone in paying an arm and a leg for your credit splurge. However, before you considerer any drastic options to earn back some coin, […]
We all have our bucket lists, but who among us has given any thought to creating an ‘after you kick the bucket’ bucket list? Yes, climbing the Eiffel Tower is something a lot of us aspire to do in life, but where’s the fun in contemplating your final tax return? LifeInsuranceFinder.com.au have done the deadly […]
It is very important for you to be well informed prior to looking for the right car loan, as every car loan provider will work in slightly different ways, and this can impact on what kind of car loan interest rates you could achieve, and where you may obtain car loan approval with one motor […]
In the first of three instalments by Fred Schbesta, co-founder of leading financial-product comparison website Finder.com.au, Fred shows us how to control our spending. Envious of your financially adept peers who pay off their credit cards monthly, are faithful to their mortgage repayments, and can still holiday every year? Have you, in contrast, unwittingly contributed […]
RETIRING soon without enough super? If you’re worried you will end up sleeping under a bridge, you probably will! You may be stuck on the bad news that you need at least $600,000 in your fund to give you a return equal to the minimum wage; and we all know that’s not nearly enough to […]
Emotional spending is like emotional eating: it just isn’t good for your health. Emotional spending, or spending beyond your means, can end up making you feel worthless. Which makes a lot of sense because you literally are ‘worth less’ after a session of emotional spending. If your credit cards are maxed out, or you cover […]
This is why we should always view commercial survey results with suspicion. According to a survey commissioned by C-date, almost half of women nationally and 52% of women in NSW, earn more money than their male partner. Great stuff for a media release, except it contradicts everything we know about the gender pay gap, the […]
Has the Australian Banking Industry finally grown a Heart? After decades of putting profits before people, Australian banks are taking more responsibility for helping the poor and the most vulnerable members of our society. The banking industry’s latest initiative is a package to help prevent financial abuse of the elderly and other vulnerable people. Last […]
A recent report from the Consumer Action Law Centre, Fresh Start or False Hope, expressed concern at the number of businesses that emphasise the benefits of debt agreements, while understating the consequences. The Consumer Action Law Centre looked at websites that promote debt agreement services and found many provide an extremely optimistic view about what […]
Research released today by the National Australia Bank (NAB) and the Centre for Social Impact (CSI) shows that more than three million Australians don’t have access to a basic transaction account, a moderate amount of credit, or general insurance. The report, Measuring Financial Exclusion in Australia, shows the problem is growing with the percentage of […]
Steven Münchenberg, CEO, Australian Bankers’ Association, talks about the banking industry’s financial hardship package to help bank customers who are experiencing temporary financial difficulties. If you’ve got money worries, would you tell your bank? It’s a question a number of Australians face each year. There can be all sorts of reasons why any of us […]
If you don’t have a large deposit, buying with family or friends could be an attractive option to tackle the cost of home ownership and help you get into the property market. Co-ownership allows you to combine your earning capacity to borrow more and you’ll only need to pay a portion of the deposit and […]
With the cost of living rising to unprecedented levels and our two largest cities, Sydney and Melbourne, appearing in the top five most expensive cities to live in the world, is it any wonder Australians are ‘stressing out’ about money in 2013. While both men and women are increasingly worried their financial situation, according to […]
If you’re wondering why a comprehensive list of ways for ‘women’ to save money is really necessary, consider this: average income for women is 18% lower and we retire with 40% less superannuation than men. Perhaps some day there will be no gender pay gap and women will not be financially worse off when taking […]
Research shows that in Australia women retire with 40% less super than men. The reasons for this include the gender pay gap, which currently stands at 18%, and the time taken out of the workforce by women to raise children. Unfortunately for us, the research also shows that women retire earlier and live longer than […]
It’s easy to find yourself in credit card debt after the silly season, it seems no matter how well intentioned we are over the holiday period, with all the presents, vacations and extra social time available the budget just gets blown. But, it’s a new year and just because your credit card has copped a […]
Traditionally, when two people decided to get married, everything that you owned became the property of your spouse. The term what’s yours is mine and vice versa is also quite appropriate to describe the way your finances intertwined. However, these days this is not always the case – mainly because not everyone chooses to get […]
When it comes to buying a home, it is fair to say that many women get very excited at the prospect of owning a house. However, the key to being able to make the dream into a reality is putting a savings plan in place. This is where a little bit of perseverance is likely […]
No matter how old you are, everyone needs a financial backup plan and this is why having funds specifically for emergencies is a great choice. Having an emergency fund is also an important aspect to consider when you are trying to assess your money health. Getting into a regular habit of putting money aside for […]
Getting engaged can be a very exhilarating feeling indeed. However, often in the aftermath of the big announcement it dawns on you just how expensive weddings can become. Your first thought may be to find a good wedding planner to help create the day of your dreams without breaking the bank. However, another consideration to […]
It is a well-known fact that women tend to live longer than men, making it even more important for women to start saving for retirement as soon as possible. For many of us it is hard to think past the end of the year, never mind to the time when you will be looking to […]
It is a well-known fact that going food shopping when you are hungry can lead to you buying extra food and not necessarily the right type of food. The same is true of shopping for personal items and this may be something to be aware of the next time you are popping out to the […]
When it comes to the financial fallout from divorce, it seems that splitting up and dividing assets go hand in hand. But having the right financial plan can help steer women through the financial strain that often comes about after a divorce. Research from the Australian Institute of Family Studies (AIFS) shows that divorce can […]
Did you know a financial plan may also boost your health? Household budgeting can be challenging, but it could help to safeguard your family’s health and wellbeing. Most mums are all too aware of how important a balanced diet is for their family’s health and the benefits of eating nutritious foods. And along with helping […]
Are you ready to get your finances in shape this financial year? Our team of expert financial planners will give you the tools you need to start saving now. Despite the fact it rolls around every year, the number of people who make new financial year resolutions only seems to grow. And while some people […]
Financial planning and end of financial year. The financial year ends on June 30 – make sure your finances are in order to maximise tax and other entitlements. Last week we talked about the 2011 Westpac Women’s Financial Health Report – the results of which weren’t too positive regarding Australian women and their attitudes toward […]
A report by Westpac has found that women are not planning financially for gaps in their career cycle. While saving for retirement is a concern for all Australians, knowing how and when to maximise your wealth can be tricky. This is one of the reasons why utilising the services of a financial planner can be […]
For women in the workforce, the atmosphere of equality is certainly different to that of the last generation. However the fight for a more balanced working environment for women across all industries and sectors continues, as does the removal of other disincentives to female roles in the workforce. The federal government released its Women’s Statement […]
The importance of initiating a robust scheme of savings for retirement is a concern for many Australian women, however for those in the so-called Sandwich Generation the challenges can be much more difficult. As women begin to live longer, the chances of having to look after parents and children simultaneously begin to rise – this […]
With many Australian women enjoying a higher level of financial freedom later in life than the generations preceding them, the transition to retirement for many will be approached with a sense of anticipation. The changing face of retirement has seen a tilt toward enjoying our post-work years with vigour – this is perhaps a symptom […]
Women in their 40s and 50s may feel as if it is too late to start saving for retirement. It can be hard to start saving later in life, but this doesn’t mean that it is impossible. There are simple steps individuals can take in order to sure up the odds of living well later […]
Post Sponsored by UBank A commercial featuring a man falling 30,000 feet from a plane is the centrepiece of a new nation-wide, multi-channel brand campaign for UBank, developed by Sydney advertising agency The Monkeys. Taking a light-hearted approach to the big questions in life, the ‘Since Today’ campaign encourages Australians to ask themselves whether they […]
Superannuation is an important issue for men and women right across Australia. But it’s women who need to get on top of personal finances and superannuation. It may not have the sex appeal of a trading room floor, but superannuation is a hot button issue in Australia at the moment. With more and more people […]
A new study has found that Gen Y is largely ‘financially fit’, while other sectors of the community struggle to keep on top of money matters. When it comes to making smart financial decisions, it can be hard to know where to begin. This is because people are all different and while there are those […]