Using debt wisely: how borrowing can build or break your financial plan
Debt can either help build wealth or create financial stress. Understanding when and how to use it strategically can make all the difference.
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How to set SMART financial goals that stay on track
Clear, measurable goals turn good intentions into progress you can see. Learn how to use the SMART framework to set financial goals that work, whether you’re saving for a home, reducing debt or building long-term wealth
Eight smart ways to put your tax refund to work this year
When used wisely, a tax refund can ease financial pressure today while helping you build security for the future.
Funeral bonds explained: Covering future expenses
Funeral bonds are a way to set aside funds for funeral costs that grow over time and may receive favourable Centrelink treatment. Here’s how they work and what to consider.
Reassessing your mortgage: Is paying it off the best move?
Extra mortgage repayments feel smart, but they’re not always the smartest option. If your surplus cash could earn more elsewhere, it may be strategic to rethink your mortgage-first mindset.
Gaps to watch if you have multiple jobs
Workers compensation can help if you’re injured at work, but if you have more than one job, it may not cover all of your income. Here’s what to watch out for and how financial advice can help bridge the gap.