---
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=144"
date: "2026-06-16T01:26:14+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)

---

  [ ![couple holding hands on sofa](https://sapience.com.au/images/blog/intro-when-can-you-get-money-out-of-super-early-on-compassionate-grounds-sapience-financial.jpg) ](https://sapience.com.au/blog/when-can-you-get-money-out-of-super-early-on-compassionate-grounds "When can you get money out of Super early on compassionate grounds?") ##  [ When can you get money out of Super early on compassionate grounds? ](https://sapience.com.au/blog/when-can-you-get-money-out-of-super-early-on-compassionate-grounds)

---

### Getting money out of super early on compassionate grounds

Many people are unsure about whether they could get early access to some of their superannuation funds.

While this is a very complicated task (and perhaps the stuff of urban legend) it's worth setting the story straight; so you know where you stand with your super.

- [ super ](https://sapience.com.au/all-tags/super)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ early release of super ](https://sapience.com.au/all-tags/early-release-of-super)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/when-can-you-get-money-out-of-super-early-on-compassionate-grounds)

  [ ![person sitting on orange chair working on laptop computer](https://sapience.com.au/images/blog/intro-claim-a-tax-deduction-for-making-a-personal-contribution-into-your-super.jpg) ](https://sapience.com.au/blog/claim-a-tax-deduction-for-making-a-personal-contribution-into-your-super "Claim a tax deduction for making a personal contribution into your Super") ##  [ Claim a tax deduction for making a personal contribution into your Super ](https://sapience.com.au/blog/claim-a-tax-deduction-for-making-a-personal-contribution-into-your-super)

---

### Did you know you can now claim a tax deduction for making a personal contribution to your super?

### Previously, most Employees were excluded from claiming a tax deduction for their personal contributions to super.

- [ salary sacrifice into super ](https://sapience.com.au/all-tags/salary-sacrifice-into-super)
- [ getting more into super ](https://sapience.com.au/all-tags/getting-more-into-super)
- [ spouse super contribution ](https://sapience.com.au/all-tags/spouse-super-contribution)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/claim-a-tax-deduction-for-making-a-personal-contribution-into-your-super)

  [ ![two identical jam donuts on a plate](https://sapience.com.au/images/blog/intro-how-to-compare-home-loans-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-compare-home-loans "How to compare home loans") ##  [ How to compare home loans ](https://sapience.com.au/blog/how-to-compare-home-loans)

---

### How do you compare home loans so you find what's right for you?

### That's often the [$64,000 question](https://en.wikipedia.org/wiki/The_%2464,000_Question) we're asked by our clients.

So here are six keys to start your thinking.

- [ mortgage ](https://sapience.com.au/all-tags/mortgage)
- [ comparing mortgage intererst rates ](https://sapience.com.au/all-tags/comparing-mortgage-intererst-rates)
- [ comparing intererst rates ](https://sapience.com.au/all-tags/comparing-intererst-rates)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-compare-home-loans)

  [ ![female sitting on floor](https://sapience.com.au/images/blog/intro-breaking-a-lease-on-a-rental-property-because-of-domestic-violence-sapience-financial.jpg) ](https://sapience.com.au/blog/breaking-a-lease-on-a-rental-property-because-of-domestic-violence "Breaking a lease on a rental property because of Domestic Violence") ##  [ Breaking a lease on a rental property because of Domestic Violence ](https://sapience.com.au/blog/breaking-a-lease-on-a-rental-property-because-of-domestic-violence)

---

### In 2019 new NSW Tenancy Laws supporting victims of domestic violence living in a rented property came into effect.

### If you live in rented accommodation and have been affected by domestic and family violence, you need to know there are new Tenancy Laws to help protect the victims of domestic violence.

These new laws have implications for property managers, property renters and investment property owners alike.

- [ property investors ](https://sapience.com.au/all-tags/property-investors)
- [ investment property ](https://sapience.com.au/all-tags/investment-property)
- [ 🌍 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)

 [ Read more … ](https://sapience.com.au/blog/breaking-a-lease-on-a-rental-property-because-of-domestic-violence)

  [ ![legs of couple sitting on fence](https://sapience.com.au/images/blog/intro-tips-for-when-you-re-looking-to-buy-strata-residential-property-sapience-financial.jpg) ](https://sapience.com.au/blog/tips-for-when-you-re-looking-to-buy-strata-residential-property "Tips for when you’re looking to buy strata residential property") ##  [ Tips for when you’re looking to buy strata residential property ](https://sapience.com.au/blog/tips-for-when-you-re-looking-to-buy-strata-residential-property)

---

### If you're looking to buy into a residential strata property, there are many new things to consider and learn.

When you buy into a property with a strata management service in place there are additional risks to manage and background checks to run with your conveyancer or solicitor

Here are some of the things we discussed with a client about to purchase into a strata property.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ property ownership ](https://sapience.com.au/all-tags/property-ownership)
- [ investment property ](https://sapience.com.au/all-tags/investment-property)
- [ strata property ](https://sapience.com.au/all-tags/strata-property)
- [ case study ](https://sapience.com.au/all-tags/case-study)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/tips-for-when-you-re-looking-to-buy-strata-residential-property)

  [ ![wall graffiti with the word Courage](https://sapience.com.au/images/intro-what-do-you-have-to-do-as-an-executor-of-a-will-sapience-financial.jpg) ](https://sapience.com.au/blog/what-do-you-have-to-do-as-an-executor-of-a-will "What do you have to do as an Executor of a Will?") ##  [ What do you have to do as an Executor of a Will? ](https://sapience.com.au/blog/what-do-you-have-to-do-as-an-executor-of-a-will)

---

### There are some life skills we should all get to know before we need to use them.

### One of those skills is knowing what you have to do as an Executor of a Will

Here are 12 Steps to help you better understand what to do when you're the Executor of someone's Will.

- [ letter of wishes ](https://sapience.com.au/all-tags/letter-of-wishes)
- [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills)
- [ executors ](https://sapience.com.au/all-tags/executors)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/what-do-you-have-to-do-as-an-executor-of-a-will)

1. [ 8 Things couples can do to talk about money better](https://sapience.com.au/blog/8-things-couples-can-do-to-talk-about-money-better)
2. [ How to begin talking about money with your partner](https://sapience.com.au/blog/how-to-begin-talking-about-money-with-your-partner)
3. [ Five key mistakes people make with Powers of Attorney](https://sapience.com.au/blog/five-key-mistakes-people-make-with-powers-of-attorney)
4. [ What happens when you're deemed too old for a home loan?](https://sapience.com.au/blog/what-happens-when-you-re-too-old-for-a-home-loan)
5. [ Get to know your New Credit Card Laws](https://sapience.com.au/blog/get-to-know-the-new-credit-card-laws)
6. [ Get to know your New Credit Score](https://sapience.com.au/blog/get-to-know-your-new-credit-score)
7. [ Frankly I'm embarrassed about the Banks](https://sapience.com.au/blog/frankly-im-embarrassed)

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

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