---
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=210"
date: "2026-06-16T03:59:11+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/blog/intro-understand-how-an-offset-account-works-sapience-financial.jpg) ](https://sapience.com.au/blog/understand-how-an-offset-account-works "Understand how an offset account works") ##  [ Understand how an offset account works ](https://sapience.com.au/blog/understand-how-an-offset-account-works)

---

### Understanding how to use an offset account can help you pay off your home loan faster

### Your home loan is probably the biggest financial commitment you'll make in your lifetime. So what if there was a way to reduce the amount it costs – the interest you pay – and also pay it off sooner?

- [ offset accounts ](https://sapience.com.au/all-tags/offset-accounts)
- [ refinancing a mortgage ](https://sapience.com.au/all-tags/refinancing-a-mortgage)
- [ homeloan ](https://sapience.com.au/all-tags/homeloan)
- [ chart ](https://sapience.com.au/all-tags/chart)

 [ Read more … ](https://sapience.com.au/blog/understand-how-an-offset-account-works)

  [ ![](https://sapience.com.au/images/blog/intro-making-a-more-conscious-choice-about-where-you-spend-your-money-sapience-financial.jpg) ](https://sapience.com.au/blog/making-a-more-conscious-choice-about-where-you-spend-your-money "Making a more conscious choice about where you spend your money") ##  [ Making a more conscious choice about where you spend your money ](https://sapience.com.au/blog/making-a-more-conscious-choice-about-where-you-spend-your-money)

---

### Making a more conscious choice about where you spend your money?

### You're probably part of todays conscious consumer movement (and the brands they choose to love)

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ B Corp ](https://sapience.com.au/all-tags/b-corp)
- [ 🤝 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)

 [ Read more … ](https://sapience.com.au/blog/making-a-more-conscious-choice-about-where-you-spend-your-money)

  [ ![father walking on beach with child on his hip](https://sapience.com.au/images/blog/intro-life-insurance-101-sapience-financial.jpg) ](https://sapience.com.au/blog/life-insurance-101 "Life insurance basics 101") ##  [ Life insurance basics 101 ](https://sapience.com.au/blog/life-insurance-101)

---

### Life insurance 101: Start the thinking on the right track here

### You work hard for what you have and who you love—protect what you cannot afford to lose.

A life insurance policy is a contract with an insurance company that promises to provide your beneficiaries with a certain amount of money upon your death. In return, you make regular payments, called premiums.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ life insurance benificiaries ](https://sapience.com.au/all-tags/life-insurance-benificiaries)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/life-insurance-101)

  [ ![man looking through retro Viewfinder slide viewer](https://sapience.com.au/images/blog/intro-7-crazy-things-some-people-believe-about-life-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/7-crazy-things-some-people-believe-about-life-insurance "7 Crazy things some people believe about Life insurance") ##  [ 7 Crazy things some people believe about Life insurance ](https://sapience.com.au/blog/7-crazy-things-some-people-believe-about-life-insurance)

---

### Myth busting life insurance

### Some of the strange things some people believe, about Life Insurance.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/7-crazy-things-some-people-believe-about-life-insurance)

  [ ![young person sitting on sofa looking at paperwork](https://sapience.com.au/images/blog/intro-7-ways-to-pay-down-your-home-loan-faster-sapience-financial.jpg) ](https://sapience.com.au/blog/7-ways-to-pay-down-your-home-loan-faster "7 Ways to pay down your home loan faster") ##  [ 7 Ways to pay down your home loan faster ](https://sapience.com.au/blog/7-ways-to-pay-down-your-home-loan-faster)

---

### 7 Ways to pay down your home loan faster

### Seven simple and effective things you can do to reduce your home loan sooner.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ percentage based budgeting ](https://sapience.com.au/all-tags/percentage-based-budgeting)
- [ offset accounts ](https://sapience.com.au/all-tags/offset-accounts)
- [ refinancing a mortgage ](https://sapience.com.au/all-tags/refinancing-a-mortgage)
- [ retiring with debt ](https://sapience.com.au/all-tags/retiring-with-debt)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/7-ways-to-pay-down-your-home-loan-faster)

  [ ![](https://sapience.com.au/images/blog/intro-the-fringe-benefits-of-christmas-sapience-financial.jpg) ](https://sapience.com.au/blog/the-fringe-benefits-of-christmas "The fringe benefits of Christmas") ##  [ The fringe benefits of Christmas ](https://sapience.com.au/blog/the-fringe-benefits-of-christmas)

---

### The fringe benefits of Christmas

### Christmas Fringe Benefits and Christmas in July

- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ small business care ](https://sapience.com.au/all-tags/small-business-care)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/the-fringe-benefits-of-christmas)

1. [ How children's health affects family health](https://sapience.com.au/blog/how-childrens-health-affects-family-health)
2. [ Managing the Domino Effect Risk in Life and Business](https://sapience.com.au/blog/managing-the-domino-effect-risk-in-life-and-business)
3. [ 15 Symptoms you're not in control of your future](https://sapience.com.au/blog/15-symptoms-you-are-not-in-control-of-you-future)
4. [ How much should I have in my emergency savings fund?](https://sapience.com.au/blog/how-much-should-i-have-in-my-emergency-savings-fund)
5. [ How to keep better track of your expenses](https://sapience.com.au/blog/how-to-keep-better-track-of-my-expenses)
6. [ How to keep track of your credit history](https://sapience.com.au/blog/how-to-keep-track-of-your-credit-history)
7. [ The Numbers of Life](https://sapience.com.au/blog/the-numbers-of-life)

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

 Page 36 of 49

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