---
title: "Blogs - Sapience Financial"
description: "Our Financial Blog is for people who want to grow and remain wealthy. While the journey toward wealth is clearly marked, you do have to be looking in the right direction."
url: "https://sapience.com.au/blog?start=126"
date: "2026-06-15T23:27:31+00:00"
language: "en-GB"
---

#  Blog

### Welcome to our Personal Finance Blog

![Pic of Senior Advisor Drew Browne](https://sapience.com.au/images/author-pic/ceo-drew-browne-round.png)

Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.

These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.

- Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.

Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. **The most difficult of questions are those with both economic and emotional answers**.

At Sapience, we're all about **The How**.

Our educational **Personal Finance Blog** is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.

### Explore Our Blog by Speciality

Select a speciality below to view our curated specialist insights and practical strategies.

[🧠 Evolutionary Finance](https://sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://sapience.com.au/insights/sapience-general-archive)

![Not made by AI sapience financial](https://sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png)

---

  [ ![faces of different types of friends](https://sapience.com.au/images/blog/intro-friends-flatmates-or-de-factos-and-how-to-tell-them-apart-sapience-financial.jpg) ](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart "Friends, Flatmates or Defactos and how to tell them apart") ##  [ Friends, Flatmates or Defactos and how to tell them apart ](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart)

---

### Friends, flatmates or de facto partners - and how to tell them apart

### When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different from the legal decision about who is legally considered your de facto partner.

The questions about who may be a *boyfriend* or *girlfriend* and who is a *de facto* become important distinctions when it comes to **super** payouts, **life insurance** payouts, and **family law** claims on your finances, investments and property interests.

- [ blending families ](https://sapience.com.au/all-tags/blending-families)
- [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia)
- [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations)
- [ defactos ](https://sapience.com.au/all-tags/defactos)
- [ pride in advice ](https://sapience.com.au/all-tags/pride-in-advice)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/friends-flatmates-or-de-factos-and-how-to-tell-them-apart)

  [ ![pink piggy bank with face mask](https://sapience.com.au/images/blog/intro-coronavirus-and-life-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/coronavirus-and-life-insurance "Coronavirus, Life Insurance, Income Protection and You") ##  [ Coronavirus, Life Insurance, Income Protection and You ](https://sapience.com.au/blog/coronavirus-and-life-insurance)

---

### We're all in this together

### Getting better at managing our personal and business risks in our connected world

The current Coronavirus[ ](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert)epidemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect.

Australians are not new to facing risks to manage. Communities who live in areas of risk have bushfire plans, flood plans and even snow closure emergency plans.

- [ Covid-19 ](https://sapience.com.au/all-tags/covid-19)
- [ family safety ](https://sapience.com.au/all-tags/family-safety)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/coronavirus-and-life-insurance)

  [ ![white and red paper boats](https://sapience.com.au/images/blog/intro-standing-with-you-through-covid-19-sapience-financial.jpg) ](https://sapience.com.au/blog/standing-with-you-through-covid-19 "Standing with you through COVID-19") ##  [ Standing with you through COVID-19 ](https://sapience.com.au/blog/standing-with-you-through-covid-19)

---

### Capacity Statement of Sapience Financial

##### *March 2020*

The outbreak of COVID-19 is impacting all of us in many different ways. It has understandably caused disruptions in the financial markets, disruptions in how people work and socialise, will have flow-on effects in businesses in means not yet envisaged and has made us worry about our family and friends.

- [ covid ](https://sapience.com.au/all-tags/covid)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/standing-with-you-through-covid-19)

  [ ![red airship alert message](https://sapience.com.au/images/blog/intro-special-alert-end-of-agreed-value-income-protection-sapience-financial.jpg) ](https://sapience.com.au/blog/special-alert-end-of-agreed-value-income-protection "Special Alert: End of Agreed Value Income Protection ") ##  [ Special Alert: End of Agreed Value Income Protection ](https://sapience.com.au/blog/special-alert-end-of-agreed-value-income-protection)

---

### Special Information Alert for Sapience Clients - the end of new Agreed Value Income Protection insurance

### There are some very important changes coming to Income Protection Insurance that will affect those who don’t yet have appropriate cover in force by the beginning of April 2020.

- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ SME News ](https://sapience.com.au/all-tags/sme-news)
- [ customer alert ](https://sapience.com.au/all-tags/customer-alert)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/special-alert-end-of-agreed-value-income-protection)

  [ ![list of things to do on coloured sticky notes](https://sapience.com.au/images/blog/intro-creating-wealth-and-prosperity-is-extra-hard-work-sapience-financial.jpg) ](https://sapience.com.au/blog/creating-wealth-and-prosperity-is-extra-hard-work "Creating wealth and prosperity is extra hard work") ##  [ Creating wealth and prosperity is extra hard work ](https://sapience.com.au/blog/creating-wealth-and-prosperity-is-extra-hard-work)

---

### **Welcome to a New Year, and a New Decade 2020**

### Creating wealth and prosperity is extra hard work, and here’s why

Have you felt the fashionable pull to publicly commit to a New Year's Resolution?

Has your social news feed been flooded with images of bottles of Champaign, Wealth and high Fashion photos that only makes you feel isolated, or even bad about yourself?

Welcome to the annual New Year advertising splurge designed to separate you from what's left of your money, before you can really think about it.

- [ investing ](https://sapience.com.au/all-tags/investing)
- [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing)
- [ insurance bonds ](https://sapience.com.au/all-tags/insurance-bonds)
- [ payday loans ](https://sapience.com.au/all-tags/payday-loans)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/creating-wealth-and-prosperity-is-extra-hard-work)

  [ ![children and father having a playful water fight with buckets of water](https://sapience.com.au/images/blog/intro-how-to-build-your-personal-emergency-fund-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-build-your-personal-emergency-fund "How to build your personal emergency fund") ##  [ How to build your personal emergency fund ](https://sapience.com.au/blog/how-to-build-your-personal-emergency-fund)

---

### Welcome to a new year (and a new decade). Remember old habits don't usually take us to new places.

Hopefully this year you’ve decided to set some family goals and get a little more proactive on achieving some saving goals.

One of the challenges of a busy life can be we keep our ideas and hopes about our personal money goals locked in our heads, rather than writing them down where we can see them, talk about them and maybe even ask about our progress to achieve them.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ offset accounts ](https://sapience.com.au/all-tags/offset-accounts)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-build-your-personal-emergency-fund)

1. [ Trauma Informed Financial Advice](https://sapience.com.au/start-here/good-mental-health-and-money-matters/trauma-informed-advice)
2. [ Do you still have Adult Children living at home?](https://sapience.com.au/blog/do-you-still-have-adult-children-living-at-home)
3. [ Supporting the siblings of people living with a disability or chronic health condition](https://sapience.com.au/blog/supporting-the-siblings-of-people-living-with-a-disability-or-chronic-health-condition)
4. [ Business Owners & Partners increased risks of needing to claim on a personal insurance policy](https://sapience.com.au/partnership-risks)
5. [ Not running with Scissors and Credit Cards](https://sapience.com.au/blog/not-running-with-scissors-and-credit-cards)
6. [ Help! My ageing parents have no retirement savings](https://sapience.com.au/blog/help-my-ageing-parents-have-no-retirement-savings)
7. [ Confessions of a 13 year old loan shark](https://sapience.com.au/blog/confessions-of-a-13-year-old-loan-shark)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 22 of 49

## Schema

```json
{
    "@context": "https://schema.org",
    "@type": "BreadcrumbList",
    "itemListElement": [
        {
            "@type": "ListItem",
            "position": 1,
            "name": "Home |",
            "item": "https://sapience.com.au"
        },
        {
            "@type": "ListItem",
            "position": 2,
            "name": "Blogs",
            "item": "https://sapience.com.au/blog"
        }
    ]
}
```