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.
12 Days of Christmas and the occasional New Year's Resolution
- Bah humbug!
Did you know the 12 Days of Christmas tradition, actually doesn’t start before Christmas Day (regardless of what the retailers would like us to believe) but actually begins post-Christmas?
So why do we need to be continually upgrading our financial literacy?
Because there are increasing numbers of financial decisions needing to be made throughout our retirement, we all need to get used to making better financial decisions now.
The arrival of a new child, either by birth, adoption or some other happy moment brings life-changing times to someone's life.
Baby proofing a home can feel like a never-ending job constantly scanning the horizon looking for risks to manage.
From putting soft pads on hard corners of tables, using soft door guards to keep little fingers from getting caught and moving everything below waist height that's bright, shiny and reachable.
When can you make a contribution to your spouses super fund and claim a tax credit yourself?
If your spouse (wife, husband, de facto or same-sex partner) is a stay at home parent, is a low-income earner, or not working at the moment, chances are they’re not increasing their super and might have little or no super to fund their retirement.
The good news is if you want to help you can put money into their super, and you might be eligible for a personal tax offset while helping to create a better future.
Feeling guilty about deciding between paying down your mortgage or topping up your super?
After all putting extra money into your mortgage means you can pay off your debt quicker and save interest, but putting extra money into super builds your retirement nest egg.
Sounds like an impossible choice?
The hidden victims of our road toll
We all read about the terrible road tolls that affect our modern life.
Every day the same stark reality of yet another death on the roads tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention.
But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can be devastating to the survivor and their family in both personal and financial ways.
- A Modern Day Cinderella Story
- Who is your super beneficiary?
- What happens if you unconsciously equate money with Status?
- What happens if you unconsciously idolise money?
- What happens if you unconsciously Avoid money?
- Can a person with diabetes get life insurance?
- The question every blended family wants answered (but never asks)
