---
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=150"
date: "2026-06-16T01:23:56+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)

---

  [ ![happy couple at outdoor celebration](https://sapience.com.au/images/blog/intro-8-things-couples-can-do-to-talk-about-money-better-sapience-financial.jpg) ](https://sapience.com.au/blog/8-things-couples-can-do-to-talk-about-money-better "8 Things couples can do to talk about money better") ##  [ 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)

---

### 8 Things couples can do to talk about money better

Practical ideas for happier conversations between **savers** and **spenders.**

- [ family loan agreement ](https://sapience.com.au/all-tags/family-loan-agreement)
- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/8-things-couples-can-do-to-talk-about-money-better)

  [ ![mixed race couple taking in cafe](https://sapience.com.au/images/blog/intro-how-to-begin-talking-about-money-with-your-partner-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-begin-talking-about-money-with-your-partner "How to begin talking about money with your partner") ##  [ How to begin talking about money with your partner ](https://sapience.com.au/blog/how-to-begin-talking-about-money-with-your-partner)

---

### How do you begin talking about money with your partner (and avoid the shouting?)

The problem with money is it’s an important part of our life and can’t be ignored, and most people have been taught to ignore it - to the extent talking about money can be the source of serious relationship problems.

- [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-begin-talking-about-money-with-your-partner)

  [ ![mother and daughter laughing and looking at tablet device](https://sapience.com.au/images/blog/intro-five-key-mistakes-people-make-with-powers-of-attorney-sapience-financial.jpg) ](https://sapience.com.au/blog/five-key-mistakes-people-make-with-powers-of-attorney "Five key mistakes people make with Powers of Attorney") ##  [ Five key mistakes people make with Powers of Attorney ](https://sapience.com.au/blog/five-key-mistakes-people-make-with-powers-of-attorney)

---

### Have you ever found yourself locked out of your car, perhaps your house or even your phone?

### Some people find themselves locked out of their financial lives due to sickness or injury when they can’t make decisions for themselves.

- [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/five-key-mistakes-people-make-with-powers-of-attorney)

  [ ![exit road sign](https://sapience.com.au/images/blog/intro-what-happens-when-youre-too-old-for-a-home-loan-sapience-financial.jpg) ](https://sapience.com.au/blog/what-happens-when-you-re-too-old-for-a-home-loan "What happens when you're deemed too old for a home loan?") ##  [ 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)

---

### Been told maybe you're too old for a home loan?

### Just wait — the perfect storm is approaching.

- Australians over 50 are being told they may be too old for a home loan
- Skyrocketing property prices mean more Australians are being forced to rent forever
- And this can lead to an increased risk of homelessness for older people who get sick and can't continue to work, and rent forever.
- [ mortgage guarantor ](https://sapience.com.au/all-tags/mortgage-guarantor)
- [ credit cards ](https://sapience.com.au/all-tags/credit-cards)
- [ mortgage exit strategy ](https://sapience.com.au/all-tags/mortgage-exit-strategy)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/what-happens-when-you-re-too-old-for-a-home-loan)

  [ ![hip pocket full of credit cards](https://sapience.com.au/images/blog/intro-get-to-know-the-new-credit-card-laws-sapience-financial.jpg) ](https://sapience.com.au/blog/get-to-know-the-new-credit-card-laws "Get to know your New Credit Card Laws") ##  [ Get to know your New Credit Card Laws ](https://sapience.com.au/blog/get-to-know-the-new-credit-card-laws)

---

### Get to know your New Credit Card laws

New laws about credit card debts will be phased in from January 2019 and will have a long-lasting impact on your ability to refinance a loan, or even just apply for a mortgage.

### There's a new problem in your pocket.

- [ credit cards ](https://sapience.com.au/all-tags/credit-cards)
- [ credit score ](https://sapience.com.au/all-tags/credit-score)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/get-to-know-the-new-credit-card-laws)

  [ ![person sitting in front of laptop computer thinking about using a credit card for a purchase](https://sapience.com.au/images/blog/intro-get-to-know-your-new-credit-score-sapience-financial.jpg) ](https://sapience.com.au/blog/get-to-know-your-new-credit-score "Get to know your New Credit Score") ##  [ Get to know your New Credit Score ](https://sapience.com.au/blog/get-to-know-your-new-credit-score)

---

### Get to know your New Credit Score

### New Comprehensive Credit Reporting (CCR) has arrived (and it’s collecting a lot of new information about you and your financial behaviour).

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ credit score ](https://sapience.com.au/all-tags/credit-score)
- [ refinancing a mortgage ](https://sapience.com.au/all-tags/refinancing-a-mortgage)
- [ mortgage exit strategy ](https://sapience.com.au/all-tags/mortgage-exit-strategy)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/get-to-know-your-new-credit-score)

1. [ Frankly I'm embarrassed about the Banks](https://sapience.com.au/blog/frankly-im-embarrassed)
2. [ How to nominate who gets your insurance and super payout](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout)
3. [ Breaking Bad Money Habits and What would Mary Poppins do?](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do)
4. [ The One Question I ask myself each Christmas](https://sapience.com.au/blog/the-question-i-ask-each-christmas)
5. [ If you expect to retire, you need to upgrade your financial literacy now](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now)
6. [ Stay at home parents and a glitch in TPD insurance](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)
7. [ Make a contribution to your spouses super fund and claim a tax credit yourself](https://sapience.com.au/blog/spouse-contributions-tax-offset)

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

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