---
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=172"
date: "2026-06-24T18:39:37+00:00"
language: "en-GB"
---

[ ![father and child playing on monkey bars](https://sapience.com.au/images/blog/intro-the-question-every-blended-family-wants-answered-but-never-asks-sapience-financial.jpg) ](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks "The question every blended family wants answered (but never asks)") ##  [ The question every blended family wants answered (but never asks) ](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks)

---

### The question every blended family wants to be answered is often 'Does a child in a blended family lose their rights to an inheritance if their step-parent dies?

### A Contractual Will Agreement might provide the answer to this difficult question.

Many blended Australian families wanting greater certainty in their estate planning choose to make a *Mirror Will* with their spouse - effectively leaving everything to each other.

- [ blending families ](https://sapience.com.au/all-tags/blending-families)
- [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia)
- [ inheritance ](https://sapience.com.au/all-tags/inheritance)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills)
- [ Mirror Wills ](https://sapience.com.au/all-tags/mirror-wills)
- [ Mutual Wills ](https://sapience.com.au/all-tags/mutual-wills)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/the-question-every-blended-family-wants-answered-but-never-asks)

  [ ![father putting sock on young child sitting on grass](https://sapience.com.au/images/intro-legal-consequences-of-borrowing-with-others-sapience-financial.jpg) ](https://sapience.com.au/blog/whats-really-at-stake-when-you-borrow-with-others "What's really at stake when you borrow with others?") ##  [ What's really at stake when you borrow with others? ](https://sapience.com.au/blog/whats-really-at-stake-when-you-borrow-with-others)

---

### Get clear on what's at stake when you borrow with others

### Understanding 'joint and severally liability loans' and what it means for you.

You might think when you take out a joint mortgage with someone else you’re only responsible for your ‘half’ or share of the loan.

Think again because this is not the case.

- By signing a mortgage contract with someone else, you’re each agreeing to pay off the whole debt if the other can’t – or won’t – pay it.
- [ joint and severally liability ](https://sapience.com.au/all-tags/joint-and-severally-liability)
- [ ⚖️ 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/whats-really-at-stake-when-you-borrow-with-others)

  [ ![carnival ride merry go round](https://sapience.com.au/images/intro-think-before-you-refinance-the-mortgage-sapience-financial.jpg) ](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage "Think before you refinance the mortgage") ##  [ Think before you refinance the mortgage ](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage)

---

### Refinancing isn’t for everyone or every financial situation.

### Refinancing a mortgage can put you at a better interest rate, but still, increase your debt. Before you jump on the refinance-the-mortgage ride; so here are six occasions when it might not be right for you

- [ retiring with debt ](https://sapience.com.au/all-tags/retiring-with-debt)
- [ refinance ](https://sapience.com.au/all-tags/refinance)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage)

  [ ![The four moneyisms segments](https://sapience.com.au/images/blog-assets/moneyisms/moneyism-4-segments-sapience-financial.png) ](https://sapience.com.au/blog/moneyisms "Moneyisms") ##  [ Moneyisms ](https://sapience.com.au/blog/moneyisms)

---

### Both successful people and unsuccessful people have very different patterns of thinking about money.

### Not surprising I hear you say, but where do these money attitudes come from?

Is it about finding new ideas or more about losing the old ones?

- [ moneyisms ](https://sapience.com.au/all-tags/moneyisms)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 🧠 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/moneyisms)

1. [ Understanding lenders mortgage insurance](https://sapience.com.au/blog/understanding-lenders-mortgage-insurance)
2. [ Federal Budget Summary 2018-19](https://sapience.com.au/blog/federal-budget-summary-2018-19)
3. [ New Severity Based Insurance](https://sapience.com.au/blog/new-severity-based-insurance)
4. [ How to survive a financial train wreck](https://sapience.com.au/blog/how-to-survive-a-financial-train-wreck)
5. [ What to teach your children about money, before they are 10](https://sapience.com.au/blog/what-to-teach-your-children-about-money-before-they-are-10)
6. [ Would you prefer to talk with your teenager about sex or money?](https://sapience.com.au/blog/having-the-money-talk-with-the-kids)
7. [ When is it possible to get early access to my super?](https://sapience.com.au/blog/when-can-i-get-early-access-to-my-super)

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

 Page 44 of 73

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