---
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=156"
date: "2026-06-24T19:43:13+00:00"
language: "en-GB"
---

[ ![statue from Paris of head and hands held in his palm](https://sapience.com.au/images/blog/intro-frankly-im-embarrised-sapience-financial.jpg) ](https://sapience.com.au/blog/frankly-im-embarrassed "Frankly I'm embarrassed about the Banks") ##  [ Frankly I'm embarrassed about the Banks ](https://sapience.com.au/blog/frankly-im-embarrassed)

A *personal note from Drew Browne, Founder of Sapience Financial.*

## 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.

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ say it like it is ](https://sapience.com.au/all-tags/say-it-like-it-is)
- [ ethics ](https://sapience.com.au/all-tags/ethics)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/frankly-im-embarrassed)

  [ ![father holding sparkler and his young daughter](https://sapience.com.au/images/intro-how-to-nominate-who-gets-your-insurance-and-super-payout-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout "How to nominate who gets your insurance and super payout") ##  [ How to nominate who gets your insurance and super payout ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout)

---

### Life Insurance and Super each have one thing in common...

### If you don't legally decide today, who you want to get your money tomorrow, someone else will make that decision for you - and you might not like the result.

Simply put, you can nominate in writing who you want to receive any future payout with a **Beneficiary Nomination** or **Binding Death Nomination** (depending upon what you choose).

- [ super ](https://sapience.com.au/all-tags/super)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ binding nominations ](https://sapience.com.au/all-tags/binding-nominations)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-nominate-who-gets-your-insurance-and-super-payout)

  [ ![mother and child eating a sandwich in from of a laptop](https://sapience.com.au/images/blog/intro-breaking-bad-money-habits-and-what-would-mary-poppins-do-sapience-financial.jpg) ](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do "Breaking Bad Money Habits and What would Mary Poppins do?") ##  [ Breaking Bad Money Habits and What would Mary Poppins do? ](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do)

---

### It's no surprise many of our habits come from what we've seen our parents do, while we were growing up - and unless we decide otherwise, we'll probably pass them on to our children too.

### Do you need to stop and think about that a little more?

Making good decisions and understanding why we often avoid making them is an essential part of everyone's financial life.

But how do you recognise when an old attitude towards money is no longer working for you and might need to change?

It's actually way harder than you'd think - and there's a good reason why.

- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/breaking-bad-money-habits-and-what-would-mary-poppins-do)

  [ ![Christmas tree with single ball decoration](https://sapience.com.au/images/intro-the-question-i-ask-each-christmas-sapience-financial.jpg) ](https://sapience.com.au/blog/the-question-i-ask-each-christmas "The One Question I ask myself each Christmas") ##  [ The One Question I ask myself each Christmas ](https://sapience.com.au/blog/the-question-i-ask-each-christmas)

---

### 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?

- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ 🌍 Social Leadership & Conscious Business ](https://sapience.com.au/insights/social-leadership-conscious-business)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/the-question-i-ask-each-christmas)

1. [ If you expect to retire, you need to upgrade your financial literacy now](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now)
2. [ Stay at home parents and a glitch in TPD insurance](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)
3. [ Make a contribution to your spouses super fund and claim a tax credit yourself](https://sapience.com.au/blog/spouse-contributions-tax-offset)
4. [ Your Mortgage or your Super - which one should get your money first?](https://sapience.com.au/blog/your-mortgage-or-your-super-which-one-should-get-your-money-first)
5. [ The hidden victims of our road toll](https://sapience.com.au/blog/hidden-road-toll-victims)
6. [ A Modern Day Cinderella Story](https://sapience.com.au/blog/step-families-and-cinderella-situations)
7. [ Who is your super beneficiary?](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary)

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

 Page 40 of 73

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