Fitzroy Financial Advice 
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 …
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 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 …
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 …
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, …
Ok we get it, knowing where to turn to for financial advice can be confusing sometimes! Financial planners and financial counsellors are both types of financial experts, so which one is right for you? To …
If you think storms may lie ahead, it makes sense to prepare your craft for choppy waters. With Australia facing continued economic uncertainty, it may be time to take stock of your finances and get …
Putting your money into a savings account, or in the alternative, a term deposit, are two common methods of saving. Working out whether either of these options are right for you depends on your personal …
Financial year 2019-20 is now behind us and there’s nothing like closing a chapter to inspire thoughts of a fresh start. But global challenges persist: Australia is officially in a recession while also bracing for …
When we talk about financial wellbeing, what do we mean? More than just earning an income, financial wellbeing is about having financial security and the freedom to make choices. There are three interrelated aspects to good financial …
The economic impact of the COVID-19 pandemic is playing havoc with finances for many households. In an ideal world, the financial boost should be enough and assumes that everyone was financially prepared for tough times. …
The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this …
Determined to master your money and stick to a budget in 2020? It doesn’t have to be boring or difficult if you keep it simple, and easier still if you let technology do the heavy lifting for …
There’s no denying that staying home has been the best defence against Coronavirus. The less contact you have with other people, the easier it is to stay healthy. But staying at home day after day …
As lockdown restrictions begin to ease Australia-wide, a new normal is emerging for businesses and employees. While it’s too soon to say what the post-lockdown economy will bring, for many Australians life won’t be quite …
According to the Australian Taxation Office, there are three ways to claim your home office running expenses. The actual cost method Under this method, your tax deductions include the actual costs of work-related expenses. This …
Finding the right level of insurance cover is important when you’re thinking about retirement. If retirement’s coming up on your horizon, the impact of COVID-19 (Coronavirus) may have thrown a warehouse-sized rack of spanners in …
Face-to-face encounters have become less frequent in so many areas of our lives – and banking and shopping are no different. So, now’s an ideal time for older Australians to start integrating more digital transactions …
We’re dealing with a health crisis that no one in our lifetime has experienced, which is having an impact on global and domestic economies that no one could have forecast. Entire industries – tourism, entertainment …
There are people who are better at the whole social distancing game than others. If you already normally work from home, for instance, you might be laughing into your elbow as you listen to the …
How to reduce expenses after a job loss and get back in the driver’s seat of your finances. With many thousands of Australians experiencing job losses and reduced hours as a result of the COVID-19 …
For many traditional office-workers, working from home has now become the new normal. For some it’s an easy transition to make, while for others, it can be a struggle. If you find yourself struggling to …
Global economic activity has grounded to a halt, prompting fears the world is in for a re-run of The Great Depression. While there might be similar scenes, the parallels are not as strong as you …