For many Australians, the home loan is their biggest financial commitment and it often spans three decades. But what if a 30-year mortgage doesn’t actually align with your life goals?

Let’s explore what that means, and why adjusting your loan term might be one of the smartest financial moves you can make this year.

Building wealth might sound like something for "future you," but the best time to start is now, especially in your 20s or 30s. Whether you're juggling student debt, just starting a career, or trying to save for your first home, it’s not about how much you earn but how smart you are with what you have. Here are real-world strategies young Australians can use to grow wealth from the ground up.

Debt can feel overwhelming, but with the right strategies, young adults in Australia can take control, pay it off faster, and build a strong financial future. Whether it's student loans, credit cards, or personal loans, these practical and lesser-known tips will help you tackle debt smarter.

Life is unpredictable, and financial emergencies can strike at any time. Whether it’s a sudden medical bill, a car repair, or an unexpected job loss, having an emergency fund can be the difference between financial stability and debt. Yet, many Australians are unprepared for unexpected expenses. If you don’t have a solid financial cushion, now is the time to start building one, fast.

Financial literacy is one of the most valuable life skills a child can learn, yet many Australian families overlook its importance. Teaching kids about money from a young age helps them develop healthy financial habits, setting them up for a secure and successful future. The good news? You don’t need to be a finance expert to teach your children about money. You just need a few simple strategies to make learning fun and practical.

Ever walked into Kmart for a $10 household item and walked out with a trolley full of things you never planned to buy? You’re not alone. Impulse spending is a common challenge, and retailers know exactly how to trigger it. Understanding the psychology behind spending can help you take control of your finances and make smarter choices.

Amongst the HR community, it’s well known that many businesses are preparing to “right-size” over the next 12 months. Current projections indicate that anywhere from 2.5% to 10% of the workforce may be impacted by layoffs or role reductions. For many employees, redundancy is a situation they have never encountered before, bringing a mix of emotional and financial stress.

With the cost of living on the rise and interest rates making headlines, many Australians are looking for ways to stretch their dollars without feeling like they’re missing out. The good news? You don’t have to give up the things you love to stay financially comfortable. With a little creativity and smart planning, you can cut costs while still enjoying your lifestyle.

Managing your finances effectively is essential for securing long-term financial health, especially as you move through different life stages. Your 30s, 40s, and beyond present unique challenges, and the money mistakes you make now can have long-lasting consequences. In this blog post, we’ll explore some of the most common financial mistakes Australians make at each stage of life and offer practical tips to avoid them while highlighting relevant local rules and authorities.

As we step into 2025, it’s the perfect time to take a fresh look at your finances and make positive changes that can have a lasting impact. Whether you're looking to save more, invest smarter, or simply manage your money better, developing good financial habits can set you up for long-term success.

Managing finances is a universal challenge, but budgeting is particularly nuanced because the ideal solution differs for everyone. As an HR professional, you may find yourself advising colleagues or clients not only about workplace matters but also about their personal financial well-being.

The investment environment in 2025 is marked by cautious optimism and considerable uncertainty. Both local and global share markets have reached record highs, sparking apprehension about potential corrections. With a mix of opportunities and challenges ahead, investors must adopt a balanced and strategic approach to protect their wealth and capitalise on growth.

For many families, moving from an apartment to a house feels like a natural progression as their needs grow. While this dream is achievable, it often comes with challenges, especially in affluent areas, requiring compromises or careful planning.

In this week’s 2-minute guide, we’ll explore the financial aspects of upgrading to a house. Whether it’s securing additional funds, increasing your income, or making lifestyle adjustments, let’s break down the key factors to consider.

Once the emotional hurdles of downsizing are addressed, the next step is to focus on the financial and practical aspects of the transition.

Downsizing isn’t just about moving to a smaller space—it’s about making informed decisions that align with your lifestyle, priorities, and long-term goals.

In this part, we’ll cover essential topics like identifying non-negotiable features in your new home, preparing your finances, and managing the challenges of selling and buying properties.

With proper planning and a clear strategy, you can ensure a smoother transition that maximises both financial benefits and quality of life.

Downsizing from a family home to a more manageable space is a significant transition that often brings up a mix of emotions and practical challenges.

While the prospect of reduced maintenance and financial benefits can be enticing, the emotional toll of leaving behind a long-time home, along with the practical hurdles of adjusting to a smaller living space, can make the process overwhelming.

In this first part of our guide, we will explore the emotional aspects of downsizing, how to manage your belongings, and the lifestyle changes you’ll encounter as you adapt to a new environment.

By addressing these key considerations early on, you can approach the downsizing journey with a clearer perspective and a smoother transition.

Now may not be the ideal time to buy a house due to rising interest rates and market uncertainty. With fixed-rate loans soon to reset at higher variable rates, many homeowners could face significantly increased mortgage repayments.