Blog posts

The question on the lips of so many everyday Aussie’s: “Where do I start?”

The great Australian dream of owning your own home seems a mile away, your savings plan is non-existent and you wouldn’t dare mutter the word ‘budget’. But seriously, where does it all start? While it may sound like another lecture from your parents, you need to understand your finances from the ground up. Keeping it simple, “What do I get paid? What do I spend? Is there anything left over?”. But why is that even necessary?

There is no one size fits all when it comes to spending ‘needs’, it is a personal decision considering what you want versus what you need. But again, why does it really matter?

In the age of technology and instant gratification, saving for the great desires in life unfortunately doesn’t fit the mould so well. However, if you can set yourself up with a plan and tick off the goals along the way you can start to build something special. Maybe it is your first home, maybe it’s a European escape, maybe it’s a new car, the specifics don’t matter. The common ground is setting the goals to meet your personal dreams and desires.

So, where do you start? Let’s find out where we are going and what we want to achieve first. We can work out how to get there later.

Recent blog post

Don't rush when buying your first home - By Aimee Lucas

For as long as I can remember, all I wanted to do was my buy own home. I’m not sure if it stemmed from my parents, my older sister or perhaps it was just always a dream I had.

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Let the specialist do what the specialist does best! - By Ben Kemp

If your pipe breaks you call the plumber, if the powers out you call the electrician. But, if your finances are broken, what do you do? For most people, it’s a case of ‘hope for the best’.

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Times are a changing…. - By Ben Kemp

Instant gratification. Everyone wants it, everyone needs it, everyone craves it, and generally everyone these days seems to manage to get it! But what impact does that have on our medium and longer term “gratifications”?

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Wait…it costs how much?! - By Caitlin

I was so excited when my partner proposed to me that I completely forgot all the ‘Yes, of course!’ lines I’d rehearsed in the mirror and something along the lines of ‘what are you doing?’ fell out of my mouth instead. Very shortly after our engagement was announced, everyone started asking ‘have you set a date yet?’ and honestly, the wedding planning questions haven’t stopped since.

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I’m embarrassed… - By Teresa

I have to admit that I knew nothing about superannuation before I started working for a financial planner. No one ever told me the advantage of looking after and growing your super and how, with the right advice, you can plan to have enough money for the things you need and want in your retirement!

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Toto, I've a feeling we're not in Kansas anymore - By Jay Burke

Like Dorothy, many financial advisers and consumers are awakening from a dreamlike psychedelic decade to find themselves in OZ, a new world of Crypto currency, Robo Advice, Acorns, Instagram investment gurus and the internet of everything.

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Retirement. What does that mean? - By Peter Burke

I suggest it’s a very very bad use of terms. Why do we work for 60% of our lives, often doing stuff that we really don’t love? Do we do it to fund our lifestyle? To feed and educate our kids? To pay off our house mortgage?  Perhaps also it’s to fund this mystical thing we call retirement. What does this really mean?

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But, where do I start? - By Ben Kemp

The question on the lips of so many everyday Aussie’s: “Where do I start?”

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