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Are you too loyal for your own good? The banks think so

The average Australian homeowner is paying more than $37,000 in extra interest over the life of their home loan due to the loyalty tax, and it’s got three-quarters of borrowers feeling “ripped off” and “angry”. What’s the loyalty tax? It’s this sneaky lender trick where borrowers with older mortgages are typically charged a higher interest…read more

Its all connected! Property prices and interest rates; Intrinsically linked.

Right now, most people who own assets like houses or investment properties should be happy. House prices up; superannuation up; share prices have been at record levels. All good, right? YES (mainly) For the most part, yes! The increase in property prices is directly related to falling interest rates and easy access to debt. And…read more

My First Investment Property was an Impulse Buy

*And it’s one of the best decisions I ever made! My investment property was an impulse buy. Sounds extravagant huh? Let me explain. It was 2011 and I’d flown home to Queensland for my Mum’s birthday. I had a long chat to my parents about wanting to buy my own investment property. I’d been divorced…read more


1. SPARE CASH IS LIKE WINE, THERE’S RARELY ANY SPARE One of the dilemmas for any person or family is what to do with spare cash (though many would argue that, like wine, there is rarely any spare).  But if you are broadly following a financial plan and setting some money aside for future disasters…read more

5 money tips to know BEFORE your divorce

Its not pretty, but heading to Splitsville will cost you if you don’t follow these top tips It’s not pretty but if you know you are heading to Splitsville here are some top tips to follow that I wish I’d known before my divorce. 1. Get a lawyer and an accountant I was lucky in…read more

It’s time to make inflation your friend!

*It could be stealthily eating your wealth. Inflation: National Versus Personal  In the last few weeks, the official annual inflation rate in Australia jumped to its highest point in 13 years – 3.8 percent. Normally this would ring alarm bells that interest rates are about to rise, because part of the Reserve Bank’s charter is…read more

The secret to a happy marriage? Separate Bank Accounts!

They say the secret to a lasting marriage is separate bathrooms. I think it’s separate bank accounts.My husband and I have separate bank accounts. I know that may sound strange to a lot of married people. It’s not about trust or greed, for me it’s about independence. Most of our money goes into one pot…read more

It may be time to get out of cash and into investing, pronto! Your savings could be costing you valuable money.

By Ross Greenwood. These days, many investors have a philosophy of ABC.  But this strategy has nothing to do with the basics of investing … it means Anything But Cash. This approach is borne out of a view that with interest rates so low, you need to get your money out of cash and into…read more


It might seem kind of obvious, but the most valuable piece of advice around tax time is this –  Declare ALL your income on your tax return. Nobody wants Tax Office troubles down the track! Crucially, this includes almost all the special COVID-19 payments. A good example is JobKeeper. If you received this allowance via…read more

Real girlfriends DO talk about money

Is talking about money with your mates taboo? It might be time to pour a wine and rip the band-aid off. Money was a taboo topic when I was growing up.  Women talking about money was deemed impolite.  In fact, it still feels like it is now in 2021.  Which seems crazy considering many women…read more

4 in 5 hopeful buyers don’t understand key financial concepts

While most Australians dream of owning their own home, the majority of hopeful homeowners admit they don’t fully understand how home loans or mortgage rates work. That’s why we make it our mission to enlighten you during your home buying journey. They say knowledge is power. But this week we stumbled across some interesting stats…read more

Want to take the worry out of tax time? Get professional help!

Tax time comes with a lot of worry.  Receipts, accounts, log-books – it all adds up to a headache.  Which explains why more than half of Australians use an accountant.  When it comes to reconciling business tax, the figure rises even more. There are a couple of really good reasons to get professional help at…read more