Be suspicious of anyone that offers you easy money. Scammers are skilled at convincing you that the investment is real, the returns are high and the risks are low. But there’s always a catch. How to spot an investment scam There are three main types of investment scams: • The investment offer is completely fake. …
Author Archives: Chris Connolly
How To Do A Budget
Easy steps to plan and manage how you spend your money. Having a budget helps you to feel in control of your money. You can put aside money for big bills when they arrive, and plan savings to achieve your money goals. You don’t need an accountant or special software to set up your own …
The Overwhelming Cost of Christmas
When we get to the end of another year, we often feel the stress and events of the last 12 months weigh on us. As we head into the holiday season, the overwhelming pressure and stress of spending can take a toll. You don’t need to keep up with the Jones’ at Christmas, or any …
Joined Up Finances
If things are getting serious with your partner, is merging your finances a natural next step? Learn about different ways to manage money as a couple so you can decide on the right approach for your relationship. Being open about money is pretty important in a successful relationship. Secret spending and other forms of financial …
How Much Super Should I Have?
How Much Super Should I Have? It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Above or Below Average? Assuming you’ve been in the workforce for a few months, years, or even decades, your retirement …
Business Communities –Are You Part of One?
For small business owners and particularly solopreneurs, being part of a business community is so important. A community of YOUR TYPE of people is like having your own cheer squad, backup singers, counsellors, business coaches and so much more. Being connected with like-minded people who are sharing the same trials and tribulations as you, enables you …
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10 Tips for Clever Business Owners
As a business owner, there is always something to do, however, many business owners often spend more time working in the business than they do ON the business. Here are 10 simple management tips to help you maintain a successful business in the good (and not so good) times. Watch trends in your industry. Compare …
What You Can Claim Working From Home
Setting up a home office? Here’s how to create a comfortable workspace, while offsetting the extra costs of working remotely. If you’re among those who’s decided to say ‘so-long’ to the office, you’ve probably also realised that having the right home-office set up is essential for your productivity – and sanity. As many of us …
How To Protect Your Finances From Cyber Crime
Cybercrime rose sharply in 2020, as more people worked, shopped and socialised online due to the COVID-19 pandemic. Anyone can be a target, so it’s essential to be proactive when it comes to protecting your finances and identity online. Our digital tools and technology were a welcome relief last year, allowing us to stay connected …
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How Will An Inheritance Affect Your Children
Australia has emerged from a mix of wonderful cultures, many of which came to our country in search of a new life in a new country with great promise. The courage and commitment our forefathers brought with them from often difficult lives elsewhere has been the basis from which the Australian ethos of “never give …
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An Often Forgotten Aspect of Insurance
When most people think about financial planning they tend to focus on the wealth creation side of things, but often forget about the wealth protection. Building a financial plan without adequate insurance is like building a house on flimsy foundations. Comprehensive insurance cover can be a significant expense; however these costs can be made more …
Budgeting for a Baby
Having a baby is an exciting and life changing experience. But what about the cost? There are many hidden and unexpected expenses that go along with your new bundle of joy. Follow our handy guide to planning your finances, so you can avoid any money worries once baby arrives. No two ways about it, having …
It’s Not Really A Sacrifice
If you are earning more than you need to live comfortably, salary sacrificing may be an attractive option to reduce your tax, boost your superannuation and prepare for a more comfortable retirement later on. Salary sacrificing simply involves having part of your salary paid into a superannuation fund by your employer rather than receiving it …