Blog
Welcome to our Personal Finance Blog
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.
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.
At Sapience, we're all about The How.
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.
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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.
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.
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 ...
Matters of the wallet can be just as important as matters of the heart
How can you give money to the kids and keep them safe?
One of the questions we’re often asked is about how to best help family and friends with money. Parents often talk about wanting to be part of the solution but at the same time not becoming part of the problem.
- Conversations about money I wish I had with my parents
- Managing the emotional cost of big financial decisions
- How a Letter of Wishes works in Modern Estate Planning
- Love Insurance
- How do you share ownership of a property with another?
- Understand how an offset account works
- Making a more conscious choice about where you spend your money
