8 Things couples can do to talk about money better

Practical ideas for happier conversations between savers and spenders.

How do you begin talking about money with your partner (and avoid the shouting?)

The problem with money is it’s an important part of our life and can’t be ignored, and most people have been taught to ignore it - to the extent talking about money can be the source of serious relationship problems.

Have you ever found yourself locked out of your car, perhaps your house or even your phone?

Some people find themselves locked out of their financial life due to sickness or injury when they can’t make decisions for themselves.

Been told you're too old for a home loan?

Just wait, the perfect storm is approaching.

• Australian's over 50 are being told they may be too old for a home loan, and

• Skyrocketing property prices means more Australians are being forced to rent forever

Get to know your New Credit Card laws.

New laws about credit card debts will be phased in from January 2019 and will have a long-lasting impact on your ability to refinance a loan, or even just apply for a mortgage.

There's a new problem in your pocket.

Get to know your New Credit Score.

New Comprehensive Credit Reporting (CCR) has arrived (and it’s collecting a lot of new information about you and your financial behaviour.)

12 Days of Christmas and the occasional New Year's Resolution

- Bah humbug!

Did you know the 12 Days of Christmas tradition, actually doesn’t start before Christmas Day (regardless of what the retailers would like us to believe) but actually begins post-Christmas?

So why do we need to be continually upgrading our financial literacy?

Because there's increasing numbers of financial decisions needing to be made throughout our retirement,  we all need to get used to making better financial decisions now.

A personal note from Drew Browne, Founder of Sapience Financial and Investment Services.

Well, this is embarrassing.

Let's talk about the elephant in the room — the soon to be released Banking Royal Commission report.

Frankly, I'm embarrassed by much of the reported behaviours of big financial services.

The hidden victims of our road toll

We all read about the terrible road tolls that affect our modern life.

Every day the same stark reality of yet another death on the roads tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention.

But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can be devastating to the survivor and their family in both personal and financial ways.