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Budget

2025–26 Federal Budget Summary

Budget, Insights, News, Tax
The 2025–26 federal budget is shaped by an upcoming election and rising cost-of-living pressures. While there are no sweeping reforms, the government has delivered a budget designed to offer immediate relief without rocking the boat. From targeted tax cuts to housing and healthcare changes, this year’s announcements offer a mix of modest support and strategic…

The secret to raising money-wise kids

Budget, Insights, News, Savings
The fear that financial success will ruin the next generation is real. This article offers strategies to ensure that your wealth not only benefits your children but also supports and sustains future generations. Most of us aim to achieve wealth, yet the fear that financial success might negatively impact future generations is real. It’s a…

How can you buy property with your superannuation?

Budget, Insights, Investing, News, SMSF, Super
Self-managed super funds (SMSFs) remain a popular retirement funding option for Australians due to greater control and investment flexibility. Many SMSF members have also gone on to harness an SMSF’s full potential with property investment.  In this post we explore why you may want to use your super to buy property through an SMSF and…

How to be financially free

Budget, Insights, Investing, News, Savings
Most of the time when we talk about being financially free, the focus is trying to make as money as possible, as quickly as you can, so you can get on with the things you enjoy rather than work. However here’s the thing – what does it mean to be free? We have created incredibly…

How to manage financial stress and anxiety

Budget, Insights, News, Savings
Financial stress and anxiety can permeate every area of your life – from your relationships and parenting, to work performance and sleep.  It’s also one of the most common causes of marriage breakdown. But as bad as it might seem at times, know that there are things you can do to improve your financial situation and manage…

16 tips for saving on your next holiday

Budget, Insights, News
We know how costly holidays can be, especially with extra expenses such as insurance, eating out, tours and excursions all loaded on top. But saving for a holiday isn’t complicated, and shouldn’t stop you from experiencing the world with your family and friends. There are hundreds of budgeting hacks online.  But to save you time…

7 tips to help sort out your budget

Budget, Savings
How does feeling confident about your finances sound? Make budgeting part of your healthy habits to boost your personal wellbeing. So you can understand more, here are some tips to help you sort out your budget. Curious how you can manage your money and create a personal budget? A personal money plan helps put you…

7 steps to take control of your money in the new year

Budget, Investing, Super
The new year is an ideal time to create positive change in your life. For many, this includes getting on top of their money and improving their financial position. It’s a busy time for us at Financial Spectrum as we see a lot of people who feel that they can be “doing better” and want…

How to stop living paycheck to paycheck

Budget, Insights, News
Despite most people being familiar with the term ‘living within your means’, more and people are living on, or even above their means, rather than within them.  Generally speaking, building wealth starts with savings.  What you can put aside from each pay builds up and you can use this to buy property, shares and other assets. But…

How to manage financial stress and anxiety

Budget, Insights, News
Financial stress and anxiety can permeate every area of your life – from your relationships and parenting, to work performance and sleep.  It’s also one of the most common causes of marriage breakdown. But as bad as it might seem at times, know that there are things you can do to improve your financial situation and manage…

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