Should I still change jobs despite COVID-19?
Go back a month or two and you’d be forgiven for thinking we were on the fast track to pay rises all round. The unemployment rate fell to its lowest level in …
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Mortgage versus super – a common dilemma
Conventional wisdom used to dictate Australians were better paying off their home loans, and then, once debt-free turning their attention to building up their super. But with interest rates at record lows …
How salary sacrificing into super could work for you
An effective way of building your super savings (and potentially reducing your taxable income) is through salary sacrificing – that is, asking your employer to put some of your before-tax income directly …
Financial rights and wellbeing for LGBTI couples
Since marriage equality was achieved in 2017, LGBTI people have had access to the same legal and financial rights as heterosexual married couples. Yet members of the LGBTI community still face some …
11 things everyone should know about their super
Super is there to provide you with an income when you stop working and it may provide a tax-effective way to save for your retirement over the long-term. What’s probably more interesting, …
Women and superannuation – how the pay gap can impact your super
According to the Australian Bureau of Statistics, women are retiring with 37% less than men in their super accounts, which is a frightening thought considering women, on average, live up to five …
Should you use your super to save for a home?
Getting money together to buy your first home can be a big ask. As well as a deposit (ideally 20% of the house price), you also need to consider stamp duty and …
Money worries and your mental health
It’s been a trying time for many people, with our collective mental health taking a toll as the COVID-19 pandemic rolls on. The Melbourne Institute says one-in-three Australians are now reporting financial …
How to use your tax return to build a stronger financial future
Whether you breeze through tax time or dread the extra admin, receiving a tax refund makes the effort worthwhile. For many of us, getting a financial boost will be even more welcome …
Creating an emergency budget that works for you
It could take months, even years, to clear debt – especially if you used your credit card and you know you’ll be slugged with snowballing compound interest each month you don’t pay …