---
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=90"
date: "2026-06-15T22:00:40+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)

---

  [ ![two middle aged brothers talking at a family bbq](https://sapience.com.au/images/blog/intro-family-loan-agreements-a-precaution-not-a-plan-sapience-financial.jpg) ](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan "Family Loan Agreements - a Precaution not a Plan") ##  [ Family Loan Agreements - a Precaution not a Plan ](https://sapience.com.au/blog/family-loan-agreements-a-precaution-not-a-plan)

---

### Are you thinking about whether to provide a large amount of money to a family member?

Providing money for family members for a home loan deposit or an aged care accommodation bond is increasingly becoming a part of many people's lives.

But how do you protect the Giver and the Receiver from the unintended consequences of these decisions?

The answer is with a legally drafted and documented **Family Loan Agreement**.

- [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident)
- [ lending money to the kids ](https://sapience.com.au/all-tags/lending-money-to-the-kids)
- [ money advice for the kids ](https://sapience.com.au/all-tags/money-advice-for-the-kids)
- [ family loan agreement ](https://sapience.com.au/all-tags/family-loan-agreement)
- [ 🌳 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/family-loan-agreements-a-precaution-not-a-plan)

  [ ![telescope on ship ](https://sapience.com.au/images/blog/intro-federal-budget-summary-2018-19-sapience-financial.jpg) ](https://sapience.com.au/blog/federal-budget-summary-2021-22 "Federal Budget Summary 2021-22") ##  [ Federal Budget Summary 2021-22 ](https://sapience.com.au/blog/federal-budget-summary-2021-22)

---

### Quick Federal Budget Summary for 2021-2022

### The 2021-22 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below.

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

 [ Read more … ](https://sapience.com.au/blog/federal-budget-summary-2021-22)

  [ ![person standing at petrol bowser](https://sapience.com.au/images/blog/intro-three-facts-of-modern-life-death-taxes-increasing-petrol-prices-sapience-financial.jpg) ](https://sapience.com.au/blog/three-facts-of-modern-life-death-taxes-increasing-petrol-prices "Three facts of modern life: Death, Taxes & Increasing Petrol Prices") ##  [ Three facts of modern life: Death, Taxes & Increasing Petrol Prices ](https://sapience.com.au/blog/three-facts-of-modern-life-death-taxes-increasing-petrol-prices)

---

### What does life look like if petrol hits $3 per litre?

The latest financial stressor for families and businesses as we face the new normal in 2022 is runaway fuel prices.

But this recent price rise at the petrol bowser might have a very different long term effect for us all.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ 🌳 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/three-facts-of-modern-life-death-taxes-increasing-petrol-prices)

  [ ![Road closed during heavy rain road sign](https://sapience.com.au/images/blog/intro-learning-new-skills-to-survive-another-different-kind-of-year-sapinence-financial.jpg) ](https://sapience.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year "Learning new skills to survive another different kind of year") ##  [ Learning new skills to survive another different kind of year ](https://sapience.com.au/blog/learning-new-skills-to-survive-another-different-kind-of-year)

---

### Has Flooding & Extreme weather affected you or your family this year?

If the last two years have taught us anything, it’s that anything can happen, it usually does - and we all do better knowing we have a backup plan in place.

- [ family safety ](https://sapience.com.au/all-tags/family-safety)
- [ getback on track ](https://sapience.com.au/all-tags/getback-on-track)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ 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/learning-new-skills-to-survive-another-different-kind-of-year)

  [ ![father and son with pink piggybank](https://sapience.com.au/images/blog/intro-is-it-time-for-you-to-get-more-money-into-your-super-fund-sapience-financial.jpg) ](https://sapience.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund "Is it time for you to get more money into your super fund?") ##  [ Is it time for you to get more money into your super fund? ](https://sapience.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund)

---

### The four key facts about super you need to know if you want to pay less tax in 2022

Is fair to say double-digit investment growth may not return to the investment market for some period of time, so making sure we get good value for what we are saving to invest, is more important than ever.

- [ super ](https://sapience.com.au/all-tags/super)
- [ salary sacrifice into super ](https://sapience.com.au/all-tags/salary-sacrifice-into-super)
- [ downsizer contributions ](https://sapience.com.au/all-tags/downsizer-contributions)
- [ savings decisions ](https://sapience.com.au/all-tags/savings-decisions)
- [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/is-it-time-for-you-to-get-more-money-into-your-super-fund)

  [ ![two parents and two adult children](https://sapience.com.au/images/blog/intro-helping-adult-children-become-financially-independent-is-harder-than-you-think-sapience-financial.jpg) ](https://sapience.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think "Helping adult children become financially independent is harder than you think") ##  [ Helping adult children become financially independent is harder than you think ](https://sapience.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think)

---

### How to begin setting limits on The Bank of Mum & Dad

Annual research indicates an average of 6 out of 10 parents report supporting their adult children financially to the detriment of their own financial stability - and it's getting worse.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ loans to adult children ](https://sapience.com.au/all-tags/loans-to-adult-children)
- [ inter family loans ](https://sapience.com.au/all-tags/inter-family-loans)
- [ stepfamilies ](https://sapience.com.au/all-tags/stepfamilies)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/helping-adult-children-become-financially-independent-is-harder-than-you-think)

1. [ Australian Company Directors now need a Directors ID Number](https://sapience.com.au/blog/australian-company-directors-now-need-to-have-a-directors-id-number-asap)
2. [ COVID-19 & Life Insurances FAQs](https://sapience.com.au/blog/covid-19-and-life-insurances-faqs)
3. [ When your child asks about money](https://sapience.com.au/blog/when-your-child-asks-about-money)
4. [ Adaptability: the underrated skill for living a bigger financial life](https://sapience.com.au/blog/adaptability-the-underrated-skill-for-living-a-bigger-financial-life)
5. [ Are you prepared for the cost of surviving cancer?](https://sapience.com.au/blog/are-you-prepared-for-the-cost-of-surviving-cancer)
6. [ What happens if my mortgage provider goes bankrupt?](https://sapience.com.au/blog/what-happens-if-my-mortgage-provider-goes-bankrupt)
7. [ Family Guarantors, money and mortgages and what you need to know](https://sapience.com.au/blog/family-guarantors-money-and-mortgages-and-what-you-need-to-know)

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

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