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Budget

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…

Is your money mindset holding you back?

Budget, Investing, News, Savings
There are five common negative money mindsets that continually creep into your subconscious, holding you back from true financial freedom. In this article we unearth these beliefs to help you gain awareness and shift them. 1. Fear of failure Earning and spending from your job is safe. It’s easy. It keeps you in your comfort…

Budget 2021-22: Quick guide to the important budget changes affecting you

Budget, News
The 2021-22 Federal Budget represents a significant turnaround compared to what we were reporting on when last year’s budget was handed down.  As usual, we’ve extracted the important budget changes most likely to be relevant to you, our clients. In 2020, we were facing $966 billion in debt by 2024 and a deficit of $218…

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