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.
The fringe benefits of Christmas
Christmas Fringe Benefits and Christmas in July
Children’s health is really family health
Children getting sick it’s part of life and growing up so we do our best to be prepared for that moment, whenever it may be.
The Domino Effect in Life and Business
If you're running a small business, or your family supports a person who does, it's not long before you realise Family Life and Small Business Life are interlinked. What happens in one flows through to the other in some fashion.
Is it any wonder people need to be protected from their small business?
The problem we all face is when we don’t understand something or its relevance to our lives, it’s easier not to think about it.
Sometimes just not knowing where to start or where to go for advice can freeze many people into inaction.
Your emergency savings fund is the cash you've set aside in case of—you guessed it—an emergency
Some people call it a rainy day fund, others call it a sleep-better-at-night-account, regardless of what you name it we all need to be saving towards it.
Automate your savings habits
Actually knowing where your money goes is the clever first step to gaining more control over your money.
Sometimes it’s the habit you make rather than the amount you save that’s really useful.
- How to keep track of your credit history
- The Numbers of Life
- How much life insurance is enough?
- What are the chances of needing to claim on your personal insurance policy?
- Six key insights to greater success with money
- Who inherits your business debt if something happens to you?
- Accountants and new laws affecting SMSF advice
