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Investing money young

How To Invest When You’re Young

Throughout high school, we are taught so much that we never end up using, but sadly we often don’t learn some of the life skills that would be helpful around financial literacy such as budgeting tips, planning finances and learning how to invest when we’re young. Investing can seem daunting at any age, but more so when you’re younger when you may not have the experience or as much disposable cash. But, there are so many benefits to investing, which you can learn by educating yourself or your kids. Here is everything you need to know about investing when you’re … Read more

Finfluencers

Finfluencers – Helpful or Dangerous?

TikTok and Instagram have become increasingly popular when it comes to millennials and Gen Z’ers and the growing interest in money management. While some may say young people showing a greater interest in their financial wellbeing is a good thing, it’s important to question whether this is the right channel to get your information. Financial influencers known as ‘finfluencers,’ have varying degrees of knowledge, yet most do not hold an Australian Financial Services Licence which means they aren’t subject to codes and regulations to act honestly, efficiently, and fairly or to have capital buffers set aside in case of investor … Read more

Budgeting tips

5 Budgeting Tips and Strategies You Should Try

No matter how much you earn for a living, when it comes to budgeting, some of us simply find it easier than others. With so many budgeting tips and tricks available it can get confusing when trying to invest in a long-term strategy that works for you. An alarming 86 per cent of the Australian population don’t know how much money they’re spending every month – that’s a considerable amount of money that’s not being used effectively. Here are Inovayt’s top 5 budgeting tips to help you save. Budgeting tip #1: Decide why you’re budgeting and set a goal  The … Read more

Personal Loans Tax Deductible

Is a Personal Loan Tax Deductible?

If you’re looking for personal finance to help you out of a jam or to purchase a big-ticket item, one of the many questions you might be pondering is whether a personal loan is tax deductible. What is a personal loan? A personal loan is just that – personal. The motivations people have for obtaining a personal loan vary, but typically, they’re for something special like travel, a new car or maybe new furniture. They may also be to cover a shortfall that you might have. Personal loans are repaid with interest over an agreed term which is typically between … Read more

Estate planning

Estate Planning: 10 Things You Should Consider

When it comes to planning the exciting things in life, such as buying a house, having kids, or getting married, estate planning isn’t something that immediately springs to mind. Although it may be a sombre topic, it’s certainly an important one many of us avoid. You may not know what estate planning entails, or think that it’s simply a will, but it’s a lot more detailed and there are several aspects you need to consider. Here are our top ten things to keep in mind when you’re completing your estate planning. Family Structure It’s important to consider your family structure, … Read more

Personal loan with poor credit

Can I Get a Personal Loan with Poor Credit?

If you’ve had previous money problems, you may be worried you won’t be able to obtain a personal loan with poor credit. While many of us are under the impression that no one will lend to those of us without a gleaming track record, this isn’t the case. There are many aspects that make up your overall credit score and there are ways you can improve your score. Read on to see how you can get a loan despite a poor credit score, as well as ways to boost your current one. What is bad credit?  Credit can be a … Read more

Insurance broker

Why Use an Insurance Broker?

Insurance is an extremely important aspect of our lives – whether it’s for individual or business needs. With an abundance of information available online, it’s not uncommon to feel stressed. Enter an insurance broker and you may have found the perfect person to help you navigate your way through the stressors of insurance. Even with an insurance broker involved, dealing with insurance can be confusing and quite frankly, overwhelming. However, when you engage a broker, you’ve got someone on your side who is working for you, and not the insurer, so you know you’re getting the best advice possible. Why … Read more

Ownership structure

The Importance of Ownership Structure When It Comes to Investing

When it comes to investing in property, there is a lot of information readily available around what kind of property will give you the best return and how to choose the right loan. However, there’s very little information or discussion around ownership or loan structure even though it’s fundamental for property investors to consider these structures carefully. Remember, your decisions will not only impact you now but into the future. What should I consider when it comes to ownership structure?   Asset protection An important consideration when determining ownership structure is asset protection. If you have an owner-occupied property and … Read more

children and your finances

5 things You Should Know About Children and Your Finances

Without a doubt, starting a family is one of the biggest decisions mentally, emotionally and financially you’ll ever have to make. From pre-baby costs such as medical care, baby furniture and cute clothes to everything that comes after, from nappies to nannies, there are countless things to consider when it comes to children and your finances. Before you jump on the baby bandwagon, it’s time to get your finances sorted to set you and your family up for what’s to come. Read on for five things you should know about children and your finances. Consider all costs and create a … Read more

Loans with one lender

Should All of Your Loans be With One Lender?

There are so many things to consider when you’re looking for an investment property. Are you going to buy a residential or commercial property? What suburb will you invest in? Do you have enough equity in your home to use when buying the place? What you may not think about is whether all of your loans should be with one lender. There are pros and cons to having your loans with one lender or choosing a different lender altogether. We’ll look at both of these below and help you make an informed financial decision when choosing your perfect investment property. … Read more

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