Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, how to 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.
Business insights while standing in line, again
Have you ever wondered why you keep going back?
(Tales of shame from the Dry Cleaners)
Have you ever been so busy in life that you've forgotten whether you're still enjoying it?
Have you ever found yourself after a less than sparkling customer experience asking yourself, 'why do I keep putting up with this?'
I can relate.
Embrace your inner commodity - you know you have to
Death, BAS returns and Commoditisation
If there’s a single word that strikes fear in the heart of every forward-looking business owner more than, ATO Audit or HR Claim - it’s Commoditisation.
It’s like death, but not as you understand it.
Navigating the new casual business etiquette and the 7 things to look for in a new relationship
When browsing online, I came across an advertisement that seems to echo the desire of many business owners.
They want more from life.
Sometimes reading what other people want, can make for compelling reading.
We all want something.
5 Ways to avoid the happy distraction of a very deep rabbit hole
In business, it doesn’t take long until you get to thinking about ‘new ways to do stuff. New ideas for products, services, and new opportunities always come to mind. And the shiniest ones seem most alluring.
The challenge is sorting these new ideas into the ones you keep, and the ones you don’t.
And then there is the tricky question of implementation.
Selling half-truths to whole questions
In our connected world of 30 second sound bites and increasingly shortening attention spans, it's difficult to think that some things can't be explained in a tweet and require more discussion. But sadly that doesn't stop some people from trying to sell half an answer to a whole question and expecting nobody to notice.
Perhaps the only thing that makes a half-truth more dangerous is the fact it makes the half-lie more convincing.
Do you have to be brave or be safe?
The Snakes and Ladders board game has been a traditional favourite for thousands of years. Like all good board games played with dice and others, it’s a game of chance.
Budgeting for Big Picture People
It's not the amount, it’s the percentages that count
There are some numbers in life you should always remember. Your PIN numbers, your spouse's birthday, (maybe your mother-in-law's birthday), the number of children you have, their birthdays, and quite possibly the annual date for the football grand final.
The new problem of liking working from home (WFH)
When it comes to building robots that look uncannily similar to humans in facial appearance, the end result usually makes even the most stoic of people uncomfortable, and simply creeps us out. Our sense of being uniquely human is core to our understanding of self, our personal autonomy and our sense of innate value.
Robots purposely made to look a little too human, seem to violate that sensibility.
Understanding the psychology of making good decisions
Ask many men ‘how they are feeling’ and they'll tell you ‘how they are thinking’ - because they don't understand the question.
The problem we face traditionally as men is, ‘How you think determines how you make decisions, so what determines how you think has a more direct and measurable impact upon your business then you may first, well, ‘Think’.
So how do we improve the quality and speed of the decisions we’re making every day, while decreasing decision overload? How do we know if we’re building the right service or product? – Such questions fundamentally come down to the quality of our decisions.
- Taking the 'C word' out of social responsibility
- Purpose isn’t everything, but it beats everything else
- Patronus spells and the growing awareness nobody is coming to rescue you
- 10 Habits to make personal growth automatic
- Six Significant Changes Small Business Owners will face from 1 July 2023
- New ATO checklist for Trust Distributions
- New Directors Penalty Notices (DPN's)
