Displaying items by tag: difficult conversations

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?’

Published in Blog

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.

If a fast solution isn’t found, ‘it's obviously the wrong option’ so we quickly browse on elsewhere looking for that dopamine hit of ‘New’ and never really get to where we need to go.

Published in Blog

Not running with Scissors and Credit Cards

As a kid, I clearly remember the repeated warning about the dangers of running with scissors.

What I didn't hear was the dangers of running off with a credit card, and I wonder which one has caused me more damage in my life so far?

Can you relate?

Published in Blog

Are you feeling sandwiched between looking after your adult children and elderly parents?

Maybe you find yourself facing financial demands from both your own young family and older family? You're not alone.

Welcome to the life of the Sandwiched Generation.

Published in Blog

Need to get early access to some of your super?

Nothing starts a heated conversation between mates at a BBQ quicker than a question about superannuation and whether you should be allowed to get access to it before you retire.

The government's stated purpose behind our national compulsory super savings plan is to provide people income in retirement to substitute (or supplement) the Age Pension. This is known as the sole purpose test.

Published in Blog

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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