Personal finance

Category: Personal finance

salary sacrificing

What is salary sacrificing and is it for me?

It sounds like some sort of sacrificial ritual for your paycheck, but don’t worry it’s neither complicated nor sinister. Salary sacrificing is simply asking ...
Retirement

How much money will I need each year of my retirement to live comfortably?

Most of us don’t know how long we will live. As a result, it’s best to have a passive annual income in retirement rather ...
House

 Property tax reform

The states are asking the Australian federal government to adopt a new property tax system offering flexibility to home buyers. A buyer would be ...
Bitcoin

Intrinsic value, a measure of volatility and risk

Intrinsic value is a measure of what an asset is worth. This measure is arrived at through an objective calculation or complex financial model, ...
helping hand

Emergency finance

Your financial wellbeing is intricately linked to your personal health. Our finances can rapidly spiral out of control without warning and in turn our ...
shopping

Apply principles of business management to personal finance – Prioritise, assess, restrain

  Appy the 3 principles of business management to your personal finances - prioritise, assess and restrain. Prioritise – Take a good look at ...
Time

Invest long term for predictable high returns

Share and bond markets go through cycles. It is exceedingly difficult to predict the bottom and tops of these cycles. The share market is ...
self control

Using self-control to increase wealth

Self-control is defined as the ability to regulate behavioural, emotional, and attentional impulses to achieve long-term goals. Self-control early in life is a strong ...
home

Can you afford a rise in the cash rate?

With the Reserve Bank of Australia (RBA) keeping interest rates at historically low levels (currently  0.1 per cent) and competitive mortgage rates as low ...
Ferrari

Debt servicing costs should not exceed 30 per cent of income

Debt is useful for buying assets and leveraging to increase our wealth. But how much debt is too much? For the average Australian, debt ...