Resources

31 Good Money Habits to Model for your Kids

Free eGuideLearn 31 Good Habits in 31 days

You're never too old to learn some new money management skills and share them with the ones you love

This fresh helpful resource is designed to cover the key essentials to help you manage your money, compare your bills and make sure you know why those important things affect your ability to get ahead.

Each day links to relevant blog articles, downloadable resources and the occasional helpful checklist.

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Badass Budgeting Spreadsheet

Download a free excel template

Learning to budget like a badass can be made simple when you have the right tools.

Here's a downloadable excel spreadsheet using the 50-30-20 percentage based budget system that many clients rave about. So if you need to get more control over your spending plans (Yep that's what we call a budget here) you need to learn how to budget like a badass.

If you haven't read our article Budget Like a Badass, click here to read it.

If you'd like a Google Sheets version of the spreadsheet, click here and save a copy to your own Google Docs account.

 

Budget like a Badass Infographic

Free InfographicHow to Budget like a Badass

You're never going to create wealth until you can learn to better budget your money.

The power's in the percentage and not just the amounts of money involved. So if you're up to learn a new financial skill, why not download our six step process infographic. 

If you haven't read our blog article Budget Like a Badass, click here to read it.

31 Families lose a parent everyday

A special Sapience eGuide

Examining the statistical realities of the effect the death of a parent has on a child, and what you can do to reduce the damage.

A helpful guide on How Families Can Plan for the Unexpected

We believe by having realistic conversations and planning for the unexpected, Australian parents can have greater certainty about the future security of their family. The good news is there are practical positive steps we can all take to be better prepared for the unexpected.

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Sample business records - Keyperson insurance for revenue purpose

Key business decisions need to be documented

Key person protection and insurance strategies have different tax treatment depending on a number of factors including the intent of the insurance cover

Tax Tip

If you have Key person insurance in place but haven't properly documented the reason for the cover, you may not get favourable tax treatment on its premiums or its payout.

If your current risk adviser hasn't carefully explained this, maybe you need to be working with an adviser like Sapience who helps you manage these important details better.

Business Capacity Statement template

Download a free word template

Supply chain risk is a known manageable business risk. Your capacity statement helps demonstrate you're appropriately managing that risk.

When you're dealing with larger companies or engaging with Governments contracts, supply chain risk is at the front of their considerations.

Nobody wants to commit long term funds and contacts to a business that cannot demonstrate they’ve taken a commercial approach to the predictable risks and requirements of a good business.

HNY 2017 Smallville Contributor Blogs

Happy New 2017

Here's a collection of short blog articles for small business from the Smallville Business Community to help kickstart your thinking.

A great collection of helpful quick read fast result articles from premium small business owners, leaders and advisors.

The Ultimate Plan B - 7 Myths about Modern Estate Planning

Estate planning is about protecting you and your loved ones today, tomorrow and later on.

Our free Australian Consumer Guide to 7 Myths About Modern Estate Planning will help you prepare for a meeting with our Senior Estate Adviser (or just give you some powerful insights to share at your next BBQ with friends).

For those who like to watch check out our fun Explainer Video here about estate planning too?

Business People Protection Information Guide

Most Australian small to medium businesses are family run.

Business Partnerships are usually run by friends and colleagues that have very specific risks that need safeguarding — so the business risks don't become family risks.

Our Business People Protection Guide acknowledges the additional risk protection needs of a small business and the family that support it.

We believe protecting your business is an important part of protecting your family.

Discussion Starter worksheet - Transferring or Retaining risks

Here's one of our popular discussion worksheets

We all have risks in life and business to mange. But young families and businesses are often their most vunerable in the early years and need additional protection and support until the have sufficient assets and emergency savings behind them.

When they begin using mortgages or private funding to accelerate their growth, shareholders need protection for their funding.

This worksheet is a conversation starter about how to begin your thinking about these important issues before speaking with your financial adviser.

Sapience Lego Ute instruction sheet

Having problems with your Sapience Lego Ute build (and don't want to ask the kids for help again)

Relax - Download the Sapience Lego car instructions or watch the 10-second video below.

 Feel free to post a video or picture to our FaceBook page of your creation.

Introducing Sapience Financial and Investment Services

If you find financial decisions difficult to make, perhaps you've been talking with too many people.

We've been working with Australian Small Business owners and families for over 18 years and believe that we all benefit from a Clearer Look at The Bigger Picture.

Our web friendly brochure is a great way to start to get to know us and whether we're you're kind of people.

Developing a commercialised product

Here's one of our client discussion worksheets

Small businesses usually develop products and services that solve the meaningful problems of their market. As we move further into the digital age the productisation of services is becoming an increasingly interested frontline. If you're in this business space you may find this conversation starter helpful.

This worksheet is a conversation starters about how to begin your thinking about this process.

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