2020 has taught us the same lesson again

2020 has been one crazy year and it’s still got a little way to go yet. When it comes to investing, both inside and outside superannuation, 2020 has been another case of proving just how costly it is to panic. In the early days of the pandemic in March, sharemarkets around the world suffered a […]

For most of us, the biggest financial enemy we face is inertia. Inertia is a tendency to do nothing or to remain unchanged and when it comes to our money, it can have a massive impact on what our lives are going to look like in the future. Think about the big pieces of your […]

For a few months now, we’ve been hearing about Victoria and a roadmap out of their coronavirus second wave. It has only been recently that the roadmap has started to take shape. They had to first get on top of the problem before they could start to think about the pathway out. What’s interesting to […]

Keep reading to find out how you can save 30%! All of us are living different lives but we also have many things in common. When it comes to money there are a few key things we all need to be on top of: Know where your money is going One of the traps many […]

“Things seem to be going okay”. These are the most dangerous words I hear people say when it comes to their financial future. When it comes to things like superannuation and investments, the most important question you need to consider when evaluating them is, “compared to what?”. Feeling like things are going okay is no […]

There’s a very traditional way that people plan their financial futures in Australia… they don’t! Our knockabout culture has meant that for generations people have relied on the “She’ll be right mate” attitude to guide them through the stages of their financial lives. That is, right up until the time they realise they are not […]

In a society driven by social media and an ever-increasing conditioning of us to “keep up with the Joneses,” it can be tough not to compare yourself to others. Social media would lead you to believe that every person you know is going on overseas holidays, buying new cars, doing renovations, eating out and buying […]

Here is the best free advice I can give you… When it comes to money, the last thing you want to be is normal. This is what normal looks like: Work really hard, earn a decent income, but not save enough (if anything), don’t invest, pay little-to-no attention to super, take too long to pay […]

Have a read of the scenarios below and see which one sounds most like you… You need a new pair of shoes and you’d eyed off a pair in the local store for $150 and decided to wait until the post-Christmas sales to see if you might get them on sale. After Christmas, you find […]

I’ll start this blog with a question. When you spend money, how often do you ask yourself what you won’t be buying as a result of your spend? After all, you can only spend a dollar once. Whenever you buy something, that means there is something else that you cannot buy. Financial advisers call this the ‘opportunity […]