---
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=198"
date: "2026-06-16T03:14:15+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)

---

  [ ![](https://sapience.com.au/images/intro-31-families-every-day-lose-a-parent-sapience-financial.jpg) ](https://sapience.com.au/blog/31-families-every-day-lose-a-parent "Free eGuide - 31 Families Every Day Lose a Parent") ##  [ Free eGuide - 31 Families Every Day Lose a Parent ](https://sapience.com.au/blog/31-families-every-day-lose-a-parent)

---

### Every day in Australia, 31 families lose their primary (or equal) income earner

### It's time for a family reality check - by the numbers.

- [ family safety ](https://sapience.com.au/all-tags/family-safety)
- [ say it like it is ](https://sapience.com.au/all-tags/say-it-like-it-is)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ eGuides ](https://sapience.com.au/all-tags/eguides)
- [ 🛡️ 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/31-families-every-day-lose-a-parent)

  [ ![family birthday with cake and candles](https://sapience.com.au/images/blog/intro-new-medical-second-opinion-service-sapience-financial.jpg) ](https://sapience.com.au/blog/new-medical-second-opinion-service "New Medical Second Opinion Service available to Sapience clients") ##  [ New Medical Second Opinion Service available to Sapience clients ](https://sapience.com.au/blog/new-medical-second-opinion-service)

---

### Sometimes we could all feel better with a second opinion

### New Medical Second Opinion Service now available

Sapience is pleased to be able to announce we've now secured access to an International Medical Second Opinion Service for our specialist clients.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ crisis & trauma recovery insurance ](https://sapience.com.au/all-tags/crisis-trauma-recovery-insurance)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/new-medical-second-opinion-service)

  [ ![free eguide download](https://sapience.com.au/images/blog/intro-free-eguide-31-good-money-habits-to-model-for-your-kids-sapience-financial.jpg) ](https://sapience.com.au/blog/free-eguide-31-good-money-habits-to-model-for-your-kids "Free eGuide - 31 Good Money Habits to Model for your Kids") ##  [ Free eGuide - 31 Good Money Habits to Model for your Kids ](https://sapience.com.au/blog/free-eguide-31-good-money-habits-to-model-for-your-kids)

ok

---

![Our New eGuide is ready for download](https://sapience.com.au/images/resource-thumbs/cover-31-good-money-habits-400.png)

### Financial life skills are always in high demand

### We took 31 Key Financial lessons and brought them together in a free eGuide to help you become more life confident in just 31 days.

- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/free-eguide-31-good-money-habits-to-model-for-your-kids)

  [ ![father sitting with his two children on stairs](https://sapience.com.au/images/blog/intro-its-time-to-choose-a-guardian-for-your-children-just-in-case-sapience-financial.jpg) ](https://sapience.com.au/blog/it-time-to-choose-a-guardian-for-your-children-just-in-case "It's time to choose a Guardian for your children, just in case") ##  [ It's time to choose a Guardian for your children, just in case ](https://sapience.com.au/blog/it-time-to-choose-a-guardian-for-your-children-just-in-case)

---

### If you have kids, you need to name a Guardian for them as part of your Will — this is how you do it.

### How to Choose a Guardian for your children

Getting your Will in place probably feels a lot like flossing — it's uncomfortable work for no current obvious result — we know we should do it but we either put it off or fall into the bad habit of simply finding more reasons to keep putting it off completely.

- [ guardians ](https://sapience.com.au/all-tags/guardians)
- [ nominating a children's guardian ](https://sapience.com.au/all-tags/nominating-a-childrens-guardian)
- [ letter of wishes ](https://sapience.com.au/all-tags/letter-of-wishes)
- [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills)
- [ 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/it-time-to-choose-a-guardian-for-your-children-just-in-case)

  [ ![Australian paper currency](https://sapience.com.au/images/blog/intro-how-to-budget-like-a-badass-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-budget-like-a-badass "How to Budget Like A Badass!") ##  [ How to Budget Like A Badass! ](https://sapience.com.au/blog/how-to-budget-like-a-badass)

---

### How to Budget Like A Badass

### **(Psst**: It's not the amount, it’s the percentage that counts)

When it comes to the financial foundation that makes everything in life possible, the two numbers you must know are;

- how much **income you take home** each month? and
- how much are **you spending** each month?

Perhaps it's time to move beyond the traditional views of a budget tracking every expenditure (because we know you're not going to do it and we don't either).

And this is why ...

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ Badass ](https://sapience.com.au/all-tags/badass)
- [ saving ](https://sapience.com.au/all-tags/saving)
- [ percentage based budgeting ](https://sapience.com.au/all-tags/percentage-based-budgeting)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-budget-like-a-badass)

  [ ![two people relaxing on sofa drinking coffee](https://sapience.com.au/images/blog/intro-how-to-have-the-money-talk-with-your-partner-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-have-the-money-talk-with-your-partner "How to have the money talk with your partner") ##  [ How to have the money talk with your partner ](https://sapience.com.au/blog/how-to-have-the-money-talk-with-your-partner)

---

### Matters of the wallet can be just as important as matters of the heart

- [ 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-have-the-money-talk-with-your-partner)

1. [ How can you give money to the kids and keep them safe?](https://sapience.com.au/blog/how-can-you-give-money-to-the-kids-and-keep-them-safe)
2. [ Conversations about money I wish I had with my parents](https://sapience.com.au/blog/conversations-about-money-i-wish-i-had-with-my-parents)
3. [ Managing the emotional cost of big financial decisions](https://sapience.com.au/blog/managing-the-emotional-cost-of-big-financial-decisions)
4. [ How a Letter of Wishes works, in Modern Estate Planning](https://sapience.com.au/blog/how-a-letter-of-wishes-works-in-modern-estate-planning)
5. [ Love Insurance](https://sapience.com.au/blog/love-insurance)
6. [ How do you share ownership of a property with another?](https://sapience.com.au/blog/sharing-ownership-of-a-property-with-another)
7. [ Understand how an offset account works](https://sapience.com.au/blog/understand-how-an-offset-account-works)

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

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