---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=140"
date: "2026-06-24T21:26:13+00:00"
language: "en-GB"
---

[ ![](https://sapience.com.au/images/blog/intro-master-the-dark-arts-of-using-an-offset-account-to-reduce-your-mortgage-sapience-financial.jpg) ](https://sapience.com.au/blog/master-the-dark-arts-of-using-an-offset-account-to-reduce-your-mortgage "Master the dark arts of using an Offset Account to reduce your mortgage") ##  [ Master the dark arts of using an Offset Account to reduce your mortgage ](https://sapience.com.au/blog/master-the-dark-arts-of-using-an-offset-account-to-reduce-your-mortgage)

---

### We all have to learn how to use financial tools to our advantage to get ahead in our financial life.

Learning how to use key financial tools is one of the habits of wealthy people… not learning how to use those same financial tools, are often the habits of people who don’t get ahead.

- [ offset accounts ](https://sapience.com.au/all-tags/offset-accounts)
- [ managing the mortgage ](https://sapience.com.au/all-tags/managing-the-mortgage)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/master-the-dark-arts-of-using-an-offset-account-to-reduce-your-mortgage)

  [ ![women thinking about a question](https://sapience.com.au/images/blog/intro-do-you-get-paid-super-on-your-overtime-sapience-financial.jpg) ](https://sapience.com.au/blog/do-you-get-paid-super-on-your-overtime "Do you get paid Super on your overtime?") ##  [ Do you get paid Super on your overtime? ](https://sapience.com.au/blog/do-you-get-paid-super-on-your-overtime)

---

### Do you get paid Super on your overtime? Well, the answer is usually no, but also that depends.

Your superannuation is your forced savings for your retirement, so it’s important to understand these two key features:

- How much Super are you being paid?
- How is it actually calculated when it comes to commissions, bonuses, overtime and back pay?
- [ small business ](https://sapience.com.au/all-tags/small-business)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ superannuation ](https://sapience.com.au/all-tags/superannuation)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/do-you-get-paid-super-on-your-overtime)

  [ ![carnival clown games](https://sapience.com.au/images/blog/intro-defacto-inheritance-tax-hiding-in-your-super-payout-sapience-financial.jpg) ](https://sapience.com.au/blog/defacto-inheritance-tax-hiding-in-your-super-payout "Is defacto inheritance tax hiding in your Super payout?") ##  [ Is defacto inheritance tax hiding in your Super payout? ](https://sapience.com.au/blog/defacto-inheritance-tax-hiding-in-your-super-payout)

---

### When is an inheritance tax not called inheritance tax?

When it's a super death payment tax of course!

Like to know more? Well, you should because this tax problem has special meaning for people with super, and adult children of people with super.

If you plan on leaving your superannuation to your now adult kids when you pass away, there's a strong possibility your super death benefit payout will be hit with tax.

- [ nominated benificiary ](https://sapience.com.au/beneficiary)
- [ binding death nominations ](https://sapience.com.au/all-tags/binding-death-nominations)
- [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/defacto-inheritance-tax-hiding-in-your-super-payout)

  [ ![grandfather and grandchild reading together](https://sapience.com.au/images/blog/intro-what-does-a-comfortable-retirement-actually-cost-sapience-financial.jpg) ](https://sapience.com.au/blog/what-does-a-comfortable-retirement-actually-cost "What does a Comfortable Retirement actually cost?") ##  [ What does a Comfortable Retirement actually cost? ](https://sapience.com.au/blog/what-does-a-comfortable-retirement-actually-cost)

---

### Want to know if you'll be financially comfortable in retirement?

Well, first you need to have a standard of what's comfortable and what's, well ... a modest standard of living.

Thankfully, an annual assessment run by the **Association of Superannuation Funds of Australia** (ASAF) can help you start thinking about what you want to achieve in your retirement.

Then we can help you get there.

- [ the cost to retire ](https://sapience.com.au/all-tags/the-cost-to-retire)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)

 [ Read more … ](https://sapience.com.au/blog/what-does-a-comfortable-retirement-actually-cost)

1. [ When can you get money out of Super early on compassionate grounds?](https://sapience.com.au/blog/when-can-you-get-money-out-of-super-early-on-compassionate-grounds)
2. [ Claim a tax deduction for making a personal contribution into your Super](https://sapience.com.au/blog/claim-a-tax-deduction-for-making-a-personal-contribution-into-your-super)
3. [ How to compare home loans](https://sapience.com.au/blog/how-to-compare-home-loans)
4. [ Breaking a lease on a rental property because of Domestic Violence](https://sapience.com.au/blog/breaking-a-lease-on-a-rental-property-because-of-domestic-violence)
5. [ Tips for when you’re looking to buy strata residential property](https://sapience.com.au/blog/tips-for-when-you-re-looking-to-buy-strata-residential-property)
6. [ What do you have to do as an Executor of a Will?](https://sapience.com.au/blog/what-do-you-have-to-do-as-an-executor-of-a-will)
7. [ 8 Things couples can do to talk about money better](https://sapience.com.au/blog/8-things-couples-can-do-to-talk-about-money-better)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 36 of 73

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