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.
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?
You're probably part of todays conscious consumer movement (and the brands they choose to love)
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.
Myth busting life insurance
Some of the strange things some people believe, about Life Insurance.
7 Ways to pay down your home loan faster
Seven simple and effective things you can do to reduce your home loan sooner.
- The fringe benefits of Christmas
- How children's health affects family health
- Managing the Domino Effect Risk in Life and Business
- 15 Symptoms you're not in control of your future
- How much should I have in my emergency savings fund?
- How to keep better track of your expenses
- How to keep track of your credit history
