---
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=160"
date: "2026-06-24T18:54:22+00:00"
language: "en-GB"
---

[ ![person relaxing on sofa with cat](https://sapience.com.au/images/blog/intro-if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now-sapience-financial.jpg) ](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now "If you expect to retire, you need to upgrade your financial literacy now") ##  [ 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)

---

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

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

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ pre-retirement planning ](https://sapience.com.au/all-tags/pre-retirement-planning)
- [ pensions ](https://sapience.com.au/all-tags/pensions)
- [ super contributions ](https://sapience.com.au/all-tags/super-contributions)
- [ savings ](https://sapience.com.au/all-tags/savings)
- [ 🧠 Evolutionary Finance ](https://sapience.com.au/insights/evolutionary-finance)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now)

  [ ![mother with a saucepan over her head watched by a confused baby](https://sapience.com.au/images/blog/intro-stay-at-home-parents-and-tpd-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance "Stay at home parents and a glitch in TPD insurance") ##  [ Stay at home parents and a glitch in TPD insurance ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)

---

### The arrival of a new child, either by birth, adoption or some other happy moment brings life-changing times to someone's life.

### Baby proofing a home can feel like a never-ending job constantly scanning the horizon looking for risks to manage.

From putting soft pads on hard corners of tables, using soft door guards to keep little fingers from getting caught and moving everything below waist height that's bright, shiny and reachable.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ super ](https://sapience.com.au/all-tags/super)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/stay-at-home-parents-and-tpd-insurance)

  [ ![young family sitting on grass](https://sapience.com.au/images/blog/intro-spouse-contributions-tax-offset-sapience-financial.jpg) ](https://sapience.com.au/blog/spouse-contributions-tax-offset "Make a contribution to your spouses super fund and claim a tax credit yourself") ##  [ Make a contribution to your spouses super fund and claim a tax credit yourself ](https://sapience.com.au/blog/spouse-contributions-tax-offset)

---

### When can you make a contribution to your spouses super fund and claim a tax credit yourself?

### If your spouse (wife, husband, de facto or same-sex partner) is a stay at home parent, is a low-income earner, or not working at the moment, chances are they’re not increasing their super and might have little or no super to fund their retirement.

The good news is if you want to help you can put money into their super, and you might be eligible for a personal tax offset while helping to create a better future.

- [ super ](https://sapience.com.au/all-tags/super)
- [ getting more into super ](https://sapience.com.au/all-tags/getting-more-into-super)
- [ spouse super contribution ](https://sapience.com.au/all-tags/spouse-super-contribution)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/spouse-contributions-tax-offset)

  [ ![poker machines inside a registered club](https://sapience.com.au/images/blog/intro-your-mortgage-or-your-super-which-one-should-get-your-money-first-sapience-financial.jpg) ](https://sapience.com.au/blog/your-mortgage-or-your-super-which-one-should-get-your-money-first "Your Mortgage or your Super - which one should get your money first?") ##  [ 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)

---

### Feeling guilty about deciding between paying down your mortgage or topping up your super?

After all putting extra money into your mortgage means you can pay off your debt quicker and save interest, but putting extra money into super builds your retirement nest egg.

**Sounds like an impossible choice?**

- [ super ](https://sapience.com.au/all-tags/super)
- [ mortgage ](https://sapience.com.au/all-tags/mortgage)
- [ savings decisions ](https://sapience.com.au/all-tags/savings-decisions)
- [ risk appetite ](https://sapience.com.au/all-tags/risk-appetite)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/your-mortgage-or-your-super-which-one-should-get-your-money-first)

1. [ The hidden victims of our road toll](https://sapience.com.au/blog/hidden-road-toll-victims)
2. [ A Modern Day Cinderella Story](https://sapience.com.au/blog/step-families-and-cinderella-situations)
3. [ Who is your super beneficiary?](https://sapience.com.au/blog/who-is-my-superannuation-beneficiary)
4. [ What happens if you unconsciously equate money with Status?](https://sapience.com.au/blog/status-money-beliefs)
5. [ What happens if you unconsciously idolise money?](https://sapience.com.au/blog/idolise-money-beliefs)
6. [ What happens if you unconsciously Avoid money?](https://sapience.com.au/blog/avoidant-money-beliefs)
7. [ Can a person with diabetes get life insurance?](https://sapience.com.au/blog/can-a-person-with-diabetes-get-life-insurance)

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

 Page 41 of 73

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