A recent survey revealed 41% of Australians have credit card debt and of those nearly 4 million cannot afford to repay it! In addition: The average Australian household has a debt of around 185% of their annual disposable income. Australian households have the fifth highest debt levels in the world with household debt increasing fourfold […]

Tip #1: Never enter a negotiation empty-handed  Whether it’s hiring inspectors for a building and pest report, or obtaining quotes from tradespeople, obtaining facts and figures will give you ammunition when requesting a price reduction. Even if it costs you extra, it’s worth getting all the information before making your offer. People often underestimate how […]

Navigating the world of home loans can be as daunting as it is exciting. Whether you’re a first-time buyer or looking to invest in another property, understanding the basics of home loans in Australia is crucial. This comprehensive guide aims to demystify the process, offering key insights and tips to help you make informed decisions […]

Your choice on how to pay for these items can impact your future financial state. All of us will go through some momentous events throughout our life time, many of which will cost a small (or large!) fortune. Isn’t it ironic that many of life’s most exciting occasions can be the most stressful and expensive? […]

You may have noticed the Australian finance sector is in the spotlight at present as a Royal Commission is held into the banking, superannuation and financial services industry. If you’re feeling confused about what it all means you’re not alone – no doubt there will be some improvements in the banking and finance sector. But […]

Property has long been considered a popular path to wealth creation for Australians. It has the potential to generate  capital growth (an increase in the value of your asset) as well as rental income. There are also tax advantages associated with negative gearing. However, when buying an investment property, it is wise to remember that you are making a […]