Cash Flow Management

Keep your spending under control at Christmas

Keep your spending under control this summer

The summer months can be a time of heavy spending for many Australians, particularly in the lead-up to Christmas. In fact, we spend an average of $573 on presents alone1. For many of us, this puts a major strain on our credit cards. And instead of giving our finances the chance to recover, we continue…

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Deeming rates changes

It has been four years since the deeming rates changed, but the government has responded announcing a rate cut from July 1, 2019. The lower rate reduces by 0.75 per cent and the upper rate by 0.25 per cent. The new rates announced are: The rates are announced to change effective from July 1, 2019,…

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Where is the best place to stash your cash

Where is the best place to stash your cash?

If, like many Australians, you’re looking for ways to put some cash away for a rainy day, a holiday or to earn extra income, the job has just become a bit harder. It’s also become more urgent if you are expecting a handy tax return. In early July, the Reserve Bank cut rates to 1 per…

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Becoming financially independent - LifePath financial planning

Financial freedom: Your financial future starts now!

They say every great journey begins with a single step — and yours is just beginning. Here’s how to get on the path to financial freedom at the same time. Every year, thousands of young Australians start one of the biggest journeys of their lives: their careers. And if you’re one of them, you’re probably…

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Flying Solo: Financial Advice for Singles

Single and fabulous? Make sure your finances are in top shape as well. Whether you’re single by choice, readjusting after a break-up or the death of a partner, or maybe you just haven’t found The One yet – you probably agree that single life comes with a lot of personal freedom and flexibility. It can…

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Do you know how much it costs you to live?

Broadly speaking our finances can be broken down in to four categories; assets, liabilities, incomes and expenses. Most clients we see are able to rattle off the first three at the drop of a hat, but often falter when it comes to expenses. If you were going to buy shares in a company, but they…

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