How to Get Yourself Independent from Credit Cards Credit cards have almost become a necessity in today’s world for most people. They have made the use of hard cash a little less important in society while simultaneously becoming something on which people seem almost hooked up. Credit cards can be used constructively to have a positive impact on your life. However, there may be times when they cause a negative financial situation in your life. …
How Can You Repay the Debt on Your Credit Card Faster? When people get their first credit card, they assure themselves that they will not use their credit card for unnecessary purchases. However, they have just lied to themselves, as in the coming months; they find themselves in debt. If your credit cards are maxed out and the interest rates are through the roof, you are in a desperate need to get out of debt …
How can I own my home sooner? It doesn’t have to be the stuff of dreams. There are several strategies that could help you pay off your home loan sooner. And it doesn’t necessarily mean sacrificing the things you love doing today. The first step towards paying off your home sooner is to understand your loan—how much you owe, how much you are paying and what other financial commitments you have. Once you know …
How to keep SMILE-ing in retirement If you’re crunching the numbers to work out how much you need in retirement, it’s time to sit down and take a deep breath… The latest Retirement Standard from the Association of Superannuation Funds of Australia estimates that people retiring today, who are in good health and own their own home outright, will need $430,000 if single and $510,000 for a couple to maintain a comfortable standard of living …
How can you give your kids money smarts? Children learn a lot from their parents when it comes to money—arm yours for financial success. When it comes to money, your own behaviour and attitudes can strongly influence your kids. Help your kids to be money smart by demonstrating positive money habits and teaching them valuable lessons as they grow older. Teaching money smarts Money management has always been important for children to learn about, especially …
How You Could Save up to $500 In A Month There was once a man who was not the most responsible person environmentally, and yet, he continued to reiterate his commitment to go green. One day a friend asked him how he intended to go green despite not being responsible for the protection of the environment. He hit back and responded, “I don’t care about the environment; the best way to go green is to …
How to make working later in life work for you Tips for taking a freestyle approach to work and retirement The relationship between work and retirement is changing. Nowadays we expect a lot more from our later years than previous generations—we’re no longer satisfied with treading water and we want to go freestyle. But with the pension qualification age increasing,[1] people living longer[2] and concerns about whether we have enough money in our super, we …
How to Give Saver’s Block the Boot Are you suffering from saver’s block? If you don’t know if you are or not, we will list two of the most common symptoms associated with saver’s block. Lack of ideas or never ending to-do lists are two symptoms that lead to saver’s block. The most prominent sign that you have saver’s block is that you lack the ability to save money. Money, at this point, is not …
