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.
Thirty Business owners speak out about the importance of talking more about money with children
In 2016 we surveyed over 300 small business owners in Australia about what were the conversions about money they wish they’d had with their parents — but didn't.
Managing the emotional cost of big financial decisions
When I was a child, if I was good my Aunt would give me half a Mars Bar (the original 54 grams chocolate and caramel nougat snack that promised ‘Pleasure you can't measure’). If I was still good a month later, I’d get the other (slightly dehydrated) half. Even today, the thought of eating an entire Mars Bar myself, makes me feel uncomfortably indulgent.
What can be written in a Letter of Wishes?
A Letter of Wishes is part of your family backup plan documents and its purpose is to provide general guidance to the Executor or Trustee of a person’s estate, following their death.
Valentine’s Day means different things to different people
But ultimately it's about Love
There are many ways to own property with other people
Different ownership structures bring different rights and responsibilities so it makes sense to understand the basics.
When a single property is owned by more than one person (or company) it can be owned either as;
- Joint Tenants, or
- Tenants in Common
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?
- Making a more conscious choice about where you spend your money
- Life insurance basics 101
- 7 Crazy things some people believe about Life insurance
- 7 Ways to pay down your home loan faster
- The fringe benefits of Christmas
- How children's health affects family health
- Managing the Domino Effect Risk in Life and Business
