See what things you might have at home that could deliver you cost savings later on.
Most people know that I am passionate about paying off debts of all descriptions. Obviously budget control is part of that.
People have bad vibes about budgets because they think that it is about denial - I believe the complete opposite is true. A good budget should mean you can have everything that you desire for your lifestyle - just not all at once. By saving ahead of time for your next holiday, you will ensure the holiday doesn't add to your credit card debt, or worse, increase your mortgage debt. For some people, the mere word budget is enough to render serious anxiety. I have recently come across an excellent friendly professional service who will not only help you set a budget, but pay your bills and hold you accountable. The clients using it have improved their position no end.
The bottom line is that we are all individuals and there is always more than one way to do something. If you want better control of your bottom line, give us a call on 8980 9300.
Recent articles
For the next time you’re itching to get out, but don’t want to spend a fortune, here’s a list of 10 things to do for about $10 (or less).
Six out of ten Australians own investments outside of the family home and super. That’s good news.
If I could sum up the contents of my junk emails over the last 12 months in a single word it would be: Bitcoin. I can’t tell you how many unsolicited invitations I’ve received to start trading bitcoin – you may have experienced the same thing. This alone is a concern but when heavy hitters like the International Monetary Fund (IMF) start calling out the risks of bitcoin, the warning bells should definitely start ringing.
If, like many others, your life and money feels a bit like a juggling act - paying bills here and there… and “Uh oh, forgot about the council rates, guess that one’s going on the credit card”. You may be thinking that having some extra cash would solve a lot of your problems.
Many women dream of a retirement where they can kick back and relax, do whatever they like and be free from the demands of others – actually focusing on caring for themselves. But this step often means being free from financial worries or concerns and for a large proportion of women, the prospect of a comfortable retirement can seem elusive. Especially when you do the sums.
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How you’d like to spend your retirement is as unique as you. From the big life changing goals, to the smaller, more personal ones that give your life meaning.
It’s always that time of the year when our thoughts turn to summer holidays, but amid the excitement of choosing a destination, neverforget to arrange travel cover. In the last three years, one in three Australians have headed off internationally without the protection of travel insurance.
I recently came across a news story about a hapless New York couple, who have taken their 30-year old son to court in a last ditch effort to get him to move out of home. My first thought was “only in America”. But here in Australia, high rents and low housing affordability are seeing plenty of parents shelve plans for an empty-nester lifestyle as their 20-, 30- and even 40-something offspring show no signs of leaving the family home.
The line “as rich as Croesus” is littered through literature in works as bizarrely diverse as Alexandre Dumas’ The Three Musketee
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Every parent wants the best for their children but kids often won’t listen to the wisdom of your experience, especially when it comes to money. Don't give up! Here are some of the common beliefs and misconceptions kids have about managing money—and how you could get them to take your advice.
Using goals to achieve your dreams. Many people don’t find budgeting and saving easy, nor is it on top of their priority list. Most of us are programmed to look for short cuts, or believe that with a bit of luck – and rising house prices – ‘we’ll be right’. But in reality, saving for the lifestyle we want does require a degree of discipline and an active interest in looking after your finances. And one of the easiest ways to do this is by setting up some short, medium and long term financial goals.
Northern Territory Concession Scheme and Northern Territory Seniors Recognition Scheme. From 1 July 2018 the Northern Territory Government will introduce the NT Concession Scheme (NTCS) and NT Seniors Recognition Scheme (NTSRS).
A budget can help you work out what you’re spending money on and when.
It's an honour to be named as a #TelstraBizAwards Finalist.
The common thread shared among Walt Disney, Paris Hilton and Britney Spears goes well beyond entertainment. They are all clients of a non-profit company that researches, advocates for and performs cryonics. That is, the preservation of humans in liquid nitrogen after death with hopes of restoring them to full health when new technology is developed in the future.
Intergenerational wealth transfer – or in simpler terms, passing on assets to your family, can be, and often is, a huge issue for all family members concerned. If done well and executed properly, it can make a real difference to the financial position of the recipients. If misjudged or poorly handled, it can cause enormous grief, fights and resentments that are never forgotten nor forgiven.
Bidding for a property at auction can be stressful but you can reduce the stress involved. Before you consider bidding use our tips to make sure you’re prepared and know what to expect.
Joy and surprises. For most couples, the birth of their first child means surprise, anticipation, awe — and some major financial changes.
Because we are always looking for driven people who want to be part of an award winning team!
"Overall, the prevailing global economic backdrop is very investment-friendly.
Here at All Financial Services, we see the direct impact of men's health all the time. We know how tough it can be on a family and their finances when illness strikes, that's why we've decided to participate in Movember.
It's a horrible topic - something we all hope we (or a loved one) never hear and we all hate talking about it ....
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A long life is something to celebrate, and figures from the OECD show Australians enjoy one of the highest life expectancies in the world. Even better, our life expectancy is rising and is expected to increase well into our 90s over the next four decades. But living longer also raises questions about how we will fund a retirement that could span one-quarter of our life.
I wanted to share with you a small part of my journey and the lessons learned over the last few months.
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"You've seen the TV advertising about comparing your Super accounts, you know the adds .. 'Compare the Pair'
Federal Treasurer Scott Morrison put forward a number of proposed changes, mainly around contributions to superannuation and taxation, in
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Most people know that I am passionate about paying off debts of all descriptions. Obviously budget control is part of that.
As our population ages, there will be a significant rise in the incidence of Cognitive Decline and Dementia, illnesses that pose a signif
From 1 January 2016, the income test deductible amount for most defined benefit income streams has been capped at 10%.
Dr Shane Oliver, Chief Economist and Head of Investment Strategy at AMP Capital offers his insights into current market conditions.
Australians love making New Year resolutions. The only problem is that we’re not very good at sticking with them.
The weather is warming up and the festivities have already started. Each year we reflect on our year and celebrate our successes. Read our Christmas newsletter.
With the silly season fast approaching, it’s time to start planning how you pay for Christmas.
We are a professional team of 16 in the Darwin CBD looking for a Front of House Professional to fill a 4 week temporary assignment.
All the headlines on the overseas grown Berry products causing illness for Australians got me thinking.
The recent decision by the Reserve Bank to cut the official cash rate will put money back in the pockets of home loan borrowers through l
What follows after a long and successful career can feel like a big void to fill, leaving men socially adrift.
In my household my partner is always trying to work out ways to save money or make more.
With about a month to go before the end of the financial year, now is the time to look at ways to save on tax.
All Financial Services are pleased to welcome David Coutts, a financial adviser who brings with him 14 years experience to our friendly t
These days many of our actions and attitudes are shaped by environmental concerns.
I’ve always thought life insurance is something of a misnomer – it should really be called ‘death insurance’ because death is what you ar
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When it comes to growing personal savings we have a tendency to look for short cuts or hope to win Lotto.
A recent US study conducted by Professor Michael Finke, Director of Personal Financial Planning at the Texas Tech University, charts the decline in our ability to maintain our financial literacy as we age.
Do you know where all your super is?
If you, or your loved ones finances could do with some fine-tuning, it’s worth taking part in MoneySmart Week.
When it comes to investing, everyone wants to beat the market.
The internet has transformed our shopping habits.
Running your own business can offer flexibility plus financial rewards, and if your venture proves successful it can also be a healthy long term investment.
The lead-up to the Federal Budget was dominated by talk of cutbacks, with the National Commission of Audit helping to build
You CAN retire before age 70, despite what some reports are suggesting.
With interest rates at record lows, the returns on savings accounts and term deposits aren’t all that exciting. But high quality shares can pay compelling dividends – and there is a way to get more bang for your buck.
Follow the link to listen to Paul Clitheroe "Talking Money"
Learn on the job, Full time position, Professional team of 12, Office located in Darwin City
All Financial Services is looking for inspiring individuals to join our professional team of 12.
The global economy is expected to grow in 2014, and this may encourage some investors to look beyond Australia and consider investing in overseas share markets.
If you have a self-managed super fund (SMSF), you don’t just need to watch out for the strict laws and regulations that govern SMSFs.
It’s round about now that those post-festive season credit card statements start to arrive in the mail.
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AMP have created the first app in Australia where you can view your banking, super, insurance and investments, all in one place.
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Now that the government's new MySuper legislation is in place, you may have received a letter from your super provider detailing how you are affected by this new legislation.
Money can be a major issue for all of us at some stage of our lives. But it doesn’t have to be.
