These articles will assist your clients to understand the importance of budgeting. Articles provide guidelines for setting and managing personal budgets to save money for investing or achieving other financial goals.
This article discusses research that suggests people with a holiday planned not only feel optimistic about the future, but reap health benefits. By comparing two Generation X couples the article demonstrates how saving for a holiday rather than borrowing to fund it, can enhance the experience.
We all need something to look forward to and for many members of Generation X the lure of discount airfares and package deals are irresistible; others have luxury holidays high on the agenda.
And why not? We all love a holiday and what’s more, happiness, apparently, is not just in the holiday itself, but in the planning of it too.
Research conducted by Roy Morgan Research concluded that people with an overseas holiday planned are optimistic about the future. Not surprisingly, there’s a demonstrated link between optimism and health and well-being.
But it’s not just the planning; it’s how you fund your trip that has the biggest impact.
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Incredibly, Australians are now literally throwing away coins rather than using or saving them. This article highlights this issue and recommends some ideas to reduce wasting money; whether it is as coins or other expensive habits. It provides a simple example of how much a small amount can grow into a substantial figure.
While the move is on to become a cashless society, notes and coins are likely to be with us for some time yet. ‘Touch and go’ payments may be increasing, but for many small purchases most of us still rely on good old cash. And because it’s easier to hand over a note for each purchase than to scramble in our pockets or purses for the correct change, by the end of the week we often end up with a hefty pile of low value coins. These coins are such a pain that, according to one survey, 93% of respondents admitted to throwing away five cent pieces, with 29% even ditching ten cent pieces.
Okay, so tossing away a dollar’s worth of small change each week won’t put much of a dent in your future wealth, but at least consider dropping those coins into a donation box. Combined with thousands of other peoples’ donations your spare change can make a real difference to the services that charities provide.
There are, however, other areas where we effectively throw away money, and in amounts that can really add up:
Many articles discuss the costs associated with raising and educating children. This article takes a step further back to address the issue of starting a family, and offers practical suggestions for planning and saving for a baby.
Welcoming a new family member is exciting but with so many aspects of your life changing, when it comes to your finances some forward planning can make the transition so much easier.
Fortunately, babies allow several months to prepare for their arrival and can be easy to get caught up in the excitement. When making preparations it’s important to have all of Bub’s needs ready; but is equally important for Mum and Dad to be financially organised.
With increasing energy bills, Australians are being urged to make changes to their power usage to save money. This short article gives five simple tips (reminders) on the easiest way to cut power costs and diverting that money to more enjoyable pursuits.
When developing a budget, it’s easy to think that you have no control over costs for essential items such as electricity, particularly when every bill seems to be higher than the last. But if you look closely at your energy usage at home and make a few small changes to reduce your consumption, you will be able to use that extra cash in more enjoyable ways than paying it to an electricity provider. In addition, you are making a valuable contribution to the environment.
This short article is a good reminder for your clients to not squander any extra cash they have or receive. These 4 quick tips provide a handy filler for your newsletter. For a tax refund focus, use the associated infographic INFOG005 too.
If there is a good chance you will receive a tax refund this year or through being thrifty you have accumulated some extra cash in your everyday account, try to contain the temptation to splurge or celebrate; instead make it work harder for you. Here are some places you can stash extra cash that will pay off in the long run.
This article provides some basic guidelines on monitoring spending and reducing unnecessary expenditure. Very simplistic but sometimes that’s what is needed to get the message across.
Each year in early May, the Treasurer delivers the Federal Budget and many people across Australia listen intently. The Budget tells us how the government plans to spend its revenue in the coming year, whether it can afford to give us tax cuts, and whether it expects to spend more (creating a deficit) or less (creating a surplus) than it receives.
Budgets are also important on a personal level, especially when living costs are rising and uncertainty abounds. So it’s worth having a look at how you can manage your finances in the current economy.
This brief article outlines the role of money in close personal relationships. It lists some financial points which should be considered.
The days of the sole breadwinner looking after all the family finances without any involvement of their partner are long gone. With two-income families more often the norm, both parties in a relationship have a say in the financial situation and an understanding of what is going on.
A good reminder for your clients about using credit cards to pay for holidays. It provides some simple ideas to make sure holiday memories aren’t tainted by the pain of debt.
The holidays are over and you’ve had a great time. The dreaded credit card statement has arrived and you wonder how you’re going to pay it off. The happy holiday memories suddenly disappear. Unfortunately there are no magic ways to wipe out debts - it just takes discipline.
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