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The Purpose of Budgeting and Why it’s Important

When done correctly, budgeting is the best way to manage your money. The purpose of budgeting is to focus on how your money is coming in and going out each month, as well as plan for future repayments. There are so many tips and tricks on the best way to manage your money, but not all methods work for everyone. Unsure why budgeting is so important, or how you can create a budget? Here are our helpful hints. Why is budgeting so important? It keeps you focused on your goals Budgeting keeps you on the right track to reaching your … Read more

what is a construction loan

Construction Loans: What are they & how to they work?

If you’re planning to build your dream home from the ground up, or complete structural renovations to your existing home, you may need to take out a construction loan from a lender. This loan differs from a regular mortgage, as it releases the loan funds in stages rather than a lump sum all at once. While building your own home sounds exciting, it can become a bit tricky financially, and the application is more involved than other loans. We’ve broken down how a construction loan works, so you can begin to plan the home of your dreams. What is a … Read more

What’s Ahead for Melbourne House Prices

Over the past couple of years, Australian house prices – and Melbourne house prices especially – skyrocketed due to the increased demand and lacking supply of properties. With an interest rate rise on the horizon, house prices are likely to change again, leaving those looking to buy questioning whether now is the right time. Here is what we’re expecting the property market in Melbourne to look like this year and how you can get into the market. The good Property prices rose in every Australian capital city in the last quarter. In Melbourne, they rose by 3.9 per cent. The … Read more

finance tips 2022

Finance Tips and Hints for 2022

New Year’s resolutions are hard to keep – especially vague ones to which you never properly commit! With two years of chaos that have thrown our finances into disarray, a common resolution for many this year is to get their finances back on track. Setting financial goals, or re-evaluating current ones, can help you keep on track to achieve yours. Finance tips and advice are everywhere, so it can be difficult to know what’s relevant or not. To help set you up for success here are our top finance tips and tricks for 2022. Reflect on 2021 Before you even … Read more

when will interest rates rise

Financial Trends You Should Know About in 2022

The last few years have been nothing short of unpredictable. Financial trends have become tough to predict, with a global pandemic throwing everything into chaos. As the world slowly begins to return to ‘normal’, there are some things you can expect to see. Here are the financial trends our team of experts will be keeping their eye on in 2022. What to watch Inflation One of the significant financial trends consumers need to be aware of in 2022 is inflation. The increased price of goods and services will continue to rise due to issues surrounding the pandemic and other environmental … Read more

What is a Buyer’s Advocate?

Enlisting the help of a buyer’s advocate can make your property buying process a walk in the park. They take care of everything – from house hunting, right up to bidding on auction day. Using a buyer’s advocate can help relieve stress you may encounter during your home buying journey and assist if you’re time-poor. Here’s everything you need to know about buyer’s advocates and whether hiring one is right for you. What is a buyer’s advocate and what do they do? It’s common for people to get confused between a buyer’s advocate and a vendor’s advocate. While they’re both … 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

Are debt consolidation loans worth it

Are Debt Consolidation Loans Worth it for Me?

Between home, personal and car loans, having to pay back multiple loans may make you wonder if debt consolidation loans are worth it based on your current situation. Debt consolidation loans give users the opportunity to simplify their finances, as well as potentially allow people to increase their borrowing capacity. Let’s look at debt consolidation loans in more detail and how they can benefit you.  How does it work? Essentially, debt consolidation is bringing all your existing debts together into one new debt, which can help you manage your repayments and give you a clearer picture of your financial future. … 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

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