Personal finance Archives - Financial Spectrum

Personal finance

6 ways our subconscious affects our spending

Think you’re mindful with your money? Scientists might prove you otherwise with their findings on common human cognitive biases that greatly impact spending behaviour.

How the Pension Loan Scheme could help your parents boost their retirement income

With interest rates at rock bottom and investment markets continuing to be volatile, could the Pension Loan Scheme help your parents boost their retirement income?

What to consider when making a will as a blended family

Wills for blended families can be complex, but there are effective legal mechanisms for the deceased’s assets to be divided according to their wishes.

How a pronup can improve your relationship

Planning for financial success before entering into marriage could save you a lot more than just money. Learn how a pronup could improve your relationship.

10 factors self-made millionaires have in common

The lifestyles of the wealthy might look effortless, but their climb to the top has often taken hard work, commitment and resilience. Here we share some of their secrets.

Child Care Subsidy: A simple guide

Read our simple guide to the Child Care Subsidy to quickly understand how it will impact your family and what you need to do to receive it.

What should you do with a financial windfall or inheritance?

70 percent of people that receive a financial windfall spend it within three years. Here we share how you can make the most of the opportunity.

How to stop living paycheck to paycheck

Living from paycheck to paycheck without setting money aside can be stressful and will culminate in retirement on the pension. Learn some simple strategies to turn your financial position around and start building wealth for a better future.

Should your first property be a home or an investment?

With the average Sydney house price over the $1 million mark, many first homebuyers are acquiring an investment property and continuing to rent. Read on to find out if your first property purchase should be a home to live in or an investment property.

6 essential steps to protect your finances after separation

If you are facing the trauma of separation, it’s likely you’ll be overwhelmed and uncertain about the future. These steps will help you feel more in control, move forward faster and mitigate complications down the track.

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