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Personal finance

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

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

Impulse Buying: How to Control Your Spending When You ‘Want it Now’

Regardless of how strict your budget is, impulse buying can tempt even the savviest saver. Advancements in technology have allowed businesses to capitalise on consumers’ need to ‘have it now.’ Gone are the days when shoppers needed to physically head to a department store to browse the latest trends. Online shopping means consumers can browse their favourite stores without ever having to leave the house. Add credit cards and buy now pay later platforms to the mix and it’s no wonder impulse buying is an easy trap to fall into. If you struggle with spontaneous spending, here is how to … Read more

how to become debt free

5 Tips to Become Debt Free

Debt is a normal part of life. Whether it’s a mortgage, credit card, or even HECS debt, it often plays a part in achieving financial goals. Becoming debt-free is the dream for many Australians so they can look to their next investment opportunity or enjoy a more comfortable lifestyle. Although it may feel unachievable some days, here’s how you can become debt-free. Dealing with debt Whether it’s happened through a large purchase, or slowly crept up on you through smaller loans, debt is unavoidable for many of us. When you pay off your debt, there are multiple benefits, including: The … Read more

Things to Consider When Buying a New Car

Buying a new car is an exciting time. Browsing around car yards, looking up new features and searching different makes and models can be fun – until you see the dreaded price tag that comes with it. Much like houses, cars are a long-term purchase, so a decision to buy a car shouldn’t be made lightly. There are many factors to consider before pulling the trigger on a certain vehicle, including what purpose this car will serve, whether you plan on extending your family and how buying a new car will impact you if you’re trying to save to buy … 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

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