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At Sapience Financial, much of our advice involves helping people learn new skills and insights.
- We have a range of individually hand-crafted Blog Articles relevant to our client's needs and lives.
- We also have separate more in-depth Key Articles to help you understand some of the practical details of our specialty products and services in greater depth, specific to the needs of many of our small business clients, friends, and supporters.
Use the blue site Search Button at the top right corner of our site. And if you really want to drill down through our data for something very specific, you can also search by Article Tag here. Alternatively, if you're looking for something in particular, just get in contact here.
Below you can search our archive of Blog Articles by title or date published.
So how do you actually start setting financial goals?
By now you’ve had a chance to read the ‘thinking' A Beginner's Guide to Thinking About Setting Financial Goals’ part of making financial goals and decisions, it's time to start the ‘doing’.
It's no secret the COVID19 pandemic has hurt many Australians and has either derailed many of us from our financial goals or has forced us to re-prioritise our current situation.
With historically unusually low interest rates, many Australians are now prioritising their debt and looking for strategies to consolidate and pay down credit card debt much faster than they previously had planned.
This is a great step, but how do we make sure it's just not just another stand-alone opportunity to take and miss the chance to pause and refocus our thinking about what we all actually want to be doing?
Living happily ever after — in a rented house, maybe
At a recent business conference the presenter, a young speaker from Generation Millennial made some insightful comments about changes he saw occurring in Australia - the rise of the sharing economy (ride-sharing, home sharing and job sharing) and how these new approaches to ownership were changing the way people thought about traditional forms of ownership.
Some interesting insights, I thought.
He went on to list emerging business examples of the new sharing and rent-on-demand economy including renting music through Spotify, accessing movies on demand from Netflix, renting a community car (or van) from the Car Next Door and renting movies online direct from YouTube.
Three high-stakes risks of being a Sole Trader
Most people going into business for themselves cite a desire to provide more opportunities for their family and greater personal freedom.
But working for yourself involves more personal decisions, greater risks and depending upon your business structure, greater personal liability.
And if you're making this decision based simply on cost alone, this is the question you need to answer, ‘What could possibly go wrong?’
Thinking about setting some financial goals this year?
Sounds simple enough right? But simple doesn't always mean easy
When it comes to managing our personal debts and credit cards, savings and investing, many people are quick to look for a sequence of simple steps to follow (or a three-minute blog to read) to achieve what can usually be a complex outcome.
- How to restart your financial life during a COVID pandemic
- Can your family get your money back from your business if it's Director or Owner dies?
- It's been a tough year… there have been some tough learnings
- Can you still get life insurance living with a mental illness diagnosis?
- How to leave an inheritance to your Grandchildren, but not your adult children
- Are you remarried with adult children from a past relationship?
- What you can't give away in your Will and why?
