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.
We're all in this together
Getting better at managing our personal and business risks in our connected world
The current Coronavirus epidemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect.
Australians are not new to facing risks to manage. Communities who live in areas of risk have bushfire plans, flood plans and even snow closure emergency plans.
Capacity Statement of Sapience Financial
March 2020
The outbreak of COVID-19 is impacting all of us in many different ways. It has understandably caused disruptions in the financial markets, disruptions in how people work and socialise, will have flow-on effects in businesses in means not yet envisaged and has made us worry about our family and friends.
Special Information Alert for Sapience Clients - the end of new Agreed Value Income Protection insurance
There are some very important changes coming to Income Protection Insurance that will affect those who don’t yet have appropriate cover in force by the beginning of April 2020.
Welcome to a New Year, and a New Decade 2020
Creating wealth and prosperity is extra hard work, and here’s why
Have you felt the fashionable pull to publicly commit to a New Year's Resolution?
Has your social news feed been flooded with images of bottles of Champaign, Wealth and high Fashion photos that only makes you feel isolated, or even bad about yourself?
Welcome to the annual New Year advertising splurge designed to separate you from what's left of your money, before you can really think about it.
Welcome to a new year (and a new decade). Remember old habits don't usually take us to new places.
Hopefully this year you’ve decided to set some family goals and get a little more proactive on achieving some saving goals.
One of the challenges of a busy life can be we keep our ideas and hopes about our personal money goals locked in our heads, rather than writing them down where we can see them, talk about them and maybe even ask about our progress to achieve them.
What is Trauma-Informed Financial Advice?
Sapience Financial recognises while everyone is 'going through something,' some people are going through so much more.
Trauma affects people differently and trauma-informed organisations are those who redesign their process and approach to serving their customers and supporting their team, so as to reduce and minimise the risk of re-traumatising a person by unnecessary and ill-considered business practices and customer and team interactions.
Nobody understands the impact of trauma, stigma or discrimination better than the person experiencing it.
- Do you still have Adult Children living at home?
- Supporting the siblings of people living with a disability or chronic health condition
- Business Owners & Partners increased risks of needing to claim on a personal insurance policy
- Not running with Scissors and Credit Cards
- Help! My ageing parents have no retirement savings
- Confessions of a 13 year old loan shark
- How we think about our money dictates many of our responses to it
