What is more important than Personal Finance? Although this website is about personal finance, and that I pedal that understanding personal finance is one of the most important things in life – it is not everything. Mastering personal finance can be a key component to less stress, happier outcomes and ticking off future aspirations (see […]
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What are ETFs (Exchange Traded Funds)? What are they? An ETF or an Exchange-Traded Fund is an investment fund that holds a basket of assets. Meaning that by investing into an ETF, you are exposed to many investments all at once. Think of an ETF like a big box of toys – each toy inside
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Why Investing is Risky? Investing risk isn’t about losing money – it’s about uncertainty around outcomes. Chipping money into that savings account is very safe, you will wake up the next day or 2 years later and the money will still be there. Unless a meteor strikes the Earth or Australia is taken over
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Why is Investing Important? Budgeting and saving is all very important, saving more than you spend and having money for a rainy day is great. You can save up for nice holidays, or a new car, or even a house. However the silent killer is inflation – your buying power with that saved money buys
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Why Personal Finance Matters Personal finance does not have to be complicated, breaking it down into 3 simple steps can make it easy to mould into our lives: Don’t spend more than you earn Invest what you can Don’t spend money on things that don’t benefit you But why is this important? One of
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Psychology of Saving & Mindset Starting to think about money seriously can happen at any age, it’s never guaranteed if you start early you will reach your goals. However the earlier you start, the more time there is for your actions to compound fruitfully. When I write about savings and personal finance it can seem
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Medicare Levy and Medicare Levy Surcharge (MLS) What is the Medicare Levy? The Medicare Levy is a payment you make to the government every year at tax time. This money is used by the government to fund the public health system – public hospitals, urgent care clinics etc This payment is generally approximately 2% of your
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Marginal Tax Rates What is it? Income is not taxed at a flat rate in Australia.Marginal tax rates means your income is separated into different brackets – with each bracket taxed different the higher the bracket you are in.This is known as a progressive tax system – you pay progressively higher rates on each portion
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Top 3 HISA (Feb 2026) These 3 accounts are based on my opinion only and one I would personally use. I rank them based on interest rate return and eligibility conditions (what hoops you need to jump through in order to receive the advertised interest).I tend to avoid and exclude ones that suck you in
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High Interest Savings Accounts (HISA)- all you need to know What is it? It is a type of savings account that you can put money into and it will grow in value. It is considered “High Interest” because it typically will pay out around 2-5% per year – hovering close to the Reserve Bank of
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