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 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.
Bad credit — not sure? It's not surprising
The company that has been keeping the records may have been keeping them from you as well
In December 2016 Australian consumer action groups won a case against credit reporting agency Veda Advantage Information Services and Solutions Ltd (Veda) that resulted in the Privacy Commissioner ordering Veda to refund thousands of consumers who were charged for obtaining a copy of their credit report.
Let's be really honest here. It doesn't take long to realise that life never quite works out just the way we planned.
To suggest it's unpredictable - is an understatement.
Call it chance, accident, fate or even serendipity; sh!t happens. Ok now that's out in the open and we're being honest, the point we're making is life just happens to us all and some things catch us all off guard. How we deal with hard times makes us human; how we plan for those potential hard times makes us successful. To Protect and Provide is the very essence of being human – and we think its one of our most endearing traits.
When hard times happen remember it's not personal - its just the statistical realities; its the numbers of life
Meet George - logistics co-ordination ninja
He spends most of his workday chasing boxes, deadlines and freight companies.
His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.
- 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
- Professional people need their own life insurance adviser and this is why
- What are the key documents in an estate plan?
- LEGO time-lapse
