Show your finances some self-love
Are you guilty of changing your spending habits when you’re in a relationship? Do you have a financial plan, or are you relying on a partner to take care of you in retirement? Whatever your …
Fitzroy Financial Advice
How to save for retirement in your 50s
For many people, your 50s are your golden years, a time when you may be at the pinnacle of your career and some of the big expenses you needed in your 20s, 30s and 40s …
Budgeting tips for students
Surviving on a student budget isn’t easy, but don’t worry, it can be done. Whether you’re studying remotely this year, or returning to campus, we have some great tips to help you manage your finances. …
Five Financial Habits to Start in 2021
Like any habit, our financial behaviours are formed by doing the same actions repeatedly until they’re second nature. That’s great if you’ve got into the routine of saving regularly – but not so good if …
How much do I need to start investing?
While investing into traditional property might require a significant deposit, and a commitment to a long investment horizon, investing in shares, ETFs, managed accounts or managed funds can be accessed with a much smaller outlay …
Australian housing finance is booming – but can it continue?
According to figures from the Australian Bureau of Statistics (ABS), the total value of new loan commitments for housing and within that, the value of owner occupier home loan commitments has reached record highs. Some …
Read moreAustralian housing finance is booming – but can it continue?
How to save for retirement in your 40s
Let’s start with the good news: studies show that your income peaks between the ages of 45 and 54. You’ll potentially have more money than ever – but you may also have unexpected or unwelcome …
Get your affairs sorted with an estate plan
It’s an uncomfortable truth, knowing that one day we will pass away. No-one likes to think about the distress it will cause their loved ones or what kind of burden they’ll be left with. That’s …
14 money mistakes to avoid in your younger years
Here’s a list of things you could stop doing if you no longer want to rely on the bank of mum and dad, or that credit card. Going without a budget If you’re looking for …
Five ways to shop a little smarter this Christmas
If cash flow is looking a tad grim this year, here are some ideas to up the presents under the tree, noting it’s the presence around it that really counts. We don’t need to list …
The growth of contactless payments
It’s a very 2020 story. Your new homemade breadmaking skills are as uneven as the lump you lifted from your oven, so you pop down to the bakers for their tasty sourdough rolls. But as …
The right times for financial advice
COVID-19 has created uncertainty everywhere and impacted not just our health but our wealth too. From millennials to retirees, we’ve had to review our finances and adapt to the changing environment. We’ve seen volatile share …
Creative holiday ideas to inspire you
Planning a holiday gives you something to look forward to. Even if you’ve been able to maintain a kind of normal during Coronavirus, most people have experienced additional stress from the uncertainty and isolation. This …
How to start saving for your future in your 20s
If you’re in your 20s, chances are that life could feel like a bit of a rollercoaster right now. The economic fallout of the coronavirus (COVID-19) may have knocked your personal finances for six and …
Five tips for a better retirement
Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you’ve planned it correctly, it heralds a life stage synonymous with relaxation and enjoyment. However, to make sure your …
Aussie’s saving for a rainy day instead of a holiday
Not many people can say they’ve been unaffected by COVID-19. Whether you’ve lost work, had hours reduced or been fortunate to maintain employment, COVID has been a wake-up call for how we manage our money …
Read moreAussie’s saving for a rainy day instead of a holiday
A Joe Biden Presidency: Implications for Investors and Australia
Key points The US election has been close and final counting as well as legal challenges could still upset the result, but the now highly likely outcome is a Biden Presidency. While there is a …
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Six steps to building good financial habits
How financially secure do you feel? Recent research1 into Australians’ financial wellness – which is a person’s satisfaction with their current and future financial situation – revealed that people with good financial habits feel more …
How to keep your super safe during COVID-19
If you’re feeling concerned about how the pandemic will affect your super balance, here are our tips to help protect and grow your super. What can affect my super balance? In Australia, your employer is …
Six ways to help reduce your debts before you retire
Carrying debt into retirement is something many Aussies will face, but the good news is there are a number of things you can do now while you’ve still got time on your side and earning …
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The future of work – a new way of working
2020 will be the year that changed the way many people work. COVID-19 introduced both societal and organisational shifts, with businesses and their employees forced to adapt quickly to new ways of working that included …
Why you need a Will
It’s no wonder people tend to avoid making a Will. We can find it hard to face the fact that death is part of our future and that there may be a time when we …
Federal Budget 2020 – What It Means For You
The COVID-19 pandemic has had a profound impact on Australia’s health system, community and economy. The Government has provided $257 billion in support to cushion the economic impact of COVID-19. In doing so, the Treasurer …
When your adult children become long-term residents in your home
There’s no question young people have been hit hard by the COVID-19 pandemic. From casual job losses to widespread hiring freezes, they’re on the front line. Experts fear the youth unemployment rate, which was 16.3% in …
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What to do next if you’re facing redundancy
Uncertainty around COVID-19 might be increasing your stress levels about losing your job, but here are five ways to soften the financial blow. In April, Australia hit its highest unemployment rate in five years, and …
How to budget for your social life in retirement
If you’re in or approaching retirement, you may be prioritising things such as living costs, utility bills, health care and even potentially helping the kids out with their future financial goals. With many Australians looking …
Don’t let overspending be your undoing
Do you struggle to control your spending around your friends and family? If the urge to ‘keep up’ with a certain lifestyle is stretching your finances, it could be time to take action. From splitting …
Superannuation 101: Your guide to a happy retirement
Superannuation is a handy way of saving for retirement, so that you’ll have an income to live on once you’re no longer working. Your employer must pay a portion of your earnings into your superannuation …
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Some ways to use your tax refund for 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 this year, and …
Read moreSome ways to use your tax refund for a stronger financial future
Putting your own needs first
It’s a win-win idea. A parent sells their home to move in with their adult child’s family, providing cash for the deposit or renovations and helping with the mortgage and providing free childcare. In return, …