How to spend more to save The old saying “penny wise, pound foolish” couldn’t ring truer than in today’s throw-away world of overconsumption and excessive production of disposable items. Did you know that many manufacturers have been using techniques to deliberately reduce the life of a product to increase its replacement rate and sell you…

7 budgeting apps to help you save in 2018 Where does all that money go? A host of apps are available to help you easily answer that question and even budget better, so you don’t get caught short in the event of a ‘rainy day’ and can feel more comfortable and in control of your…

7 healthy habits that could improve your bank balance this year See how you could benefit your body, while upping the change in your back pocket at the same time. For many of us, the new year often begins with good intentions and a handful of new year resolutions, which may or may not begin…

In 2017, the Government flagged plenty of changes to the tax and superannuation system, but how many of them have actually been made into law? Parliament ended its final sitting week in December 2017 with many outstanding matters for the Government to deal with in 2018. Here is a brief summary of these proposals and…

Travel tips to help you spend less on your next holiday It’s that time of year again when it feels as though everyone you know is escaping winter to head off across the world on a fabulous holiday (and sharing many photos to prove it). Whether you’re about to head off on a travelling adventure…

Compare principal and interest and interest-only home loans Finding out which home loan is right for you depends on your personal situation. Are you looking for a home loan to buy your first home, update your current one or as an investment in retirement? Are you confused by all the jargon and what type of…

Working after kids – is it worth it? To work, or not to work? That is the question many Australian women (and some men) have to consider after having children. Sadly, both options can have long-term negative financial consequences. While it would seem obvious that not working is likely to set your bank balance back,…

Overseas holidays, new cars and having the latest technology aren’t considered luxuries anymore, but are standard lifestyle expectations of the new ‘average’ Australian, according to research by MLC. It’s all about what we define as average, and it’s not so average anymore, with Australians’ perceptions of a middle class standard of living shifting significantly upward…

For most of us ‘spending’ is the first thing that springs to mind when we have money. So when a financial adviser suggests the idea of having a ‘budget’ most of us recoil in horror. It’s because many people believe that budgeting is all about sacrifice – in other words, having to cut back on…

The new cost

Australia’s perception of a comfortable lifestyle has shifted significantly upwards in recent decades, according to new research from MLC called the ‘Australia Today’ report. For most, this new comfortable living comes at a high cost. Almost half of all Australians believe you need a household income of at least $150,000 to maintain a comfortable lifestyle…

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