---
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=176"
date: "2026-06-24T17:06:28+00:00"
language: "en-GB"
---

[ ![Australian currency](https://sapience.com.au/images/blog/intro-understanding-lenders-mortgage-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/understanding-lenders-mortgage-insurance "Understanding lenders mortgage insurance") ##  [ Understanding lenders mortgage insurance ](https://sapience.com.au/blog/understanding-lenders-mortgage-insurance)

---

### LMI: the good the bad and the ugly.

Using lenders mortgage insurance (LMI) is one way to buy a property without having the 20% deposit which is typically required by most lenders.

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

 [ Read more … ](https://sapience.com.au/blog/understanding-lenders-mortgage-insurance)

  [ ![ship mounted telescope](https://sapience.com.au/images/blog/intro-federal-budget-summary-2018-19-sapience-financial.jpg) ](https://sapience.com.au/blog/federal-budget-summary-2018-19 "Federal Budget Summary 2018-19") ##  [ Federal Budget Summary 2018-19 ](https://sapience.com.au/blog/federal-budget-summary-2018-19)

---

### Quick Federal Budget Summary.

### The 2018-19 Federal Budget has an emphasis on retirement planning and contains several important considerations which may affect both retirees and pre-retirees, explored further below.

- [ federal budet highlights ](https://sapience.com.au/all-tags/federal-budet-highlights)
- [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive)

 [ Read more … ](https://sapience.com.au/blog/federal-budget-summary-2018-19)

  [ ![measuring tape](https://sapience.com.au/images/blog/intro-severity-based-insurance-sapience-financial.jpg) ](https://sapience.com.au/blog/new-severity-based-insurance "New Severity Based Insurance") ##  [ New Severity Based Insurance ](https://sapience.com.au/blog/new-severity-based-insurance)

---

### Severity Based Insurance (SBI) is a more comprehensive high-grade alternative to the traditional 'all or nothing approach' to Crisis/Trauma and Income Protection insurance.

How is it different to traditional Crisis/Trauma and Income Protection insurance policies?

- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ crisis & trauma recovery insurance ](https://sapience.com.au/all-tags/crisis-trauma-recovery-insurance)
- [ severity based insurance ](https://sapience.com.au/all-tags/severity-based-insurance)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/new-severity-based-insurance)

  [ ![road sign warning runaway shopping trolley](https://sapience.com.au/images/blog/intro-how-to-survive-a-financial-train-wreck-sapience-financial.jpg) ](https://sapience.com.au/blog/how-to-survive-a-financial-train-wreck "How to survive a financial train wreck") ##  [ How to survive a financial train wreck ](https://sapience.com.au/blog/how-to-survive-a-financial-train-wreck)

---

### The question is more about 'when', not 'if'. Financial life is, well complicated.

We all experience a dry spell from time to time and if you're in business a cash flow squeeze. It's the part of life that happens to everyone.

But then to make matters worse comes slow debtors, perhaps sickness or accident forcing time off work, supporting frail aged parents with declining health or maybe a family law court financial settlement after a relationship change or retrospective investment property land tax (thankyou OSR).

Financial life when we're honest is complicated.

- [ budgeting ](https://sapience.com.au/all-tags/budgeting)
- [ percentage based budgeting ](https://sapience.com.au/all-tags/percentage-based-budgeting)
- [ money habits ](https://sapience.com.au/all-tags/money-habits)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/how-to-survive-a-financial-train-wreck)

1. [ 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)
2. [ Would you prefer to talk with your teenager about sex or money?](https://sapience.com.au/blog/having-the-money-talk-with-the-kids)
3. [ 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)
4. [ Who gets your super and its life insurance, when you die?](https://sapience.com.au/blog/nominating-who-gets-your-super-and-life-insurance)
5. [ How to split expenses as a Couple](https://sapience.com.au/blog/how-to-split-expenses-as-a-couple)
6. [ Downsize your home and put the profit into your super](https://sapience.com.au/blog/sell-the-family-home-and-contribute-to-your-super-fund)
7. [ Who can make emergency medical decisions for you?](https://sapience.com.au/blog/who-is-your-person-responsible)

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

 Page 45 of 73

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