As a new financial year rolls around, most of us have been busy getting everything in order. While you are ticking off your financial housekeeping tasks, there is one important area that deserves a spot at the top of the list: your digital security. It is easy to overlook, but reviewing your passwords, security settings, and multi-factor authentication (MFA) is one of the most valuable things you can do to protect yourself as you step into the new financial year. Digital secu

Maybe you’re a new parent or someone who lies awake at night. If so, you may have started to worry you’re not getting enough sleep. Sleep wearables don’t help. They can show your “sleep debt”, a running total of how far you’ve fallen behind. But the word “debt” assumes your sleep works like a bank account. It assumes lost hours stack up, carry over, and you must eventually repay them in full. But sleep doesn’t really work this way. And chasing “enough sleep” may not be helpin

A range of superannuation changes that came into effect on 1 July 2026, are reinforcing the role of super as one of the most tax-effective investment structures available. For many investors, it’s not simply that super remains attractive but that the rules continue to change. Understanding these changes can help ensure your strategy takes advantage of available opportunities while staying on track with your financial goals. A changing tax environment Outside of super, tighter

As the end of the financial year approaches, it’s a busy time for preparing your taxes, reviewing super, and getting your finances in order. Unfortunately, it’s also a peak period for scammers looking to take advantage of people and businesses who are focused on deadlines and end-of-year financial tasks. EOFY creates the perfect environment for fraud. With refunds, payment reminders, super contributions, and updated financial documents all top of mind, scammers rely on urgenc

For many, the goal of investing is about creating wealth for a comfortable financial future, as well as a legacy that supports your children and grandchildren for decades to come. But one of the greatest risks to that legacy can be the challenge of dealing with sudden wealth. When adult children inherit large sums or significant assets without preparation, sometimes the result is family tension, poor decisions or erosion of wealth. While precise figures vary, research and ind

As the days grow shorter and the mornings a little crisper, winter is quietly making its entrance. In some places it brings frosty weather and extra layers, while in others it is a gentle shift with cooler evenings and a respite from the heat. Either way, the change in season often brings a noticeable difference in mood, energy, and overall health. If you are already feeling a bit flat, tired, or more prone to the sniffles, you are not imagining it. The combination of less da

Electricity bills have become one of the biggest household expenses, and for many families, the usual advice of “turn off the lights” simply does not go far enough. While small habits matter, meaningful savings often come from understanding where energy is being used, reducing waste, improving efficiency, and considering whether solar and home batteries can play a role in your household’s long-term savings. The good news is that every home has opportunities to reduce energy

Fuel prices are dominating headlines across Australia, and for many caravanners, they’ve become the single biggest factor shaping how—and whether—we travel. What was once a relatively affordable way to explore the country is now forcing travellers to make tougher decisions. For some, it’s not about stopping altogether, but about adjusting expectations and making practical trade-offs to keep the wheels turning. So here’s the honest question: if you’ve had to cut back somewher

Jim Chalmers’ fifth Budget included significant tax reforms with the package billed as “the most significant tax reform package in more than a quarter of a century”. While Australian workers and small businesses are likely to be happy, property investors and those with discretionary (family) trusts face new rules and tax rates that will require careful review. The package was announced against a backdrop of global uncertainty and demographic change, with the Treasurer emphasi

Background There's a rise in criminals calling, emailing or messaging people and pretending to be from the bank so that they can steal your money. The scammers ask you for personal or financial information or to transfer funds or to give them a one-time security code over the phone. They often claim to be from the bank’s fraud department and might say that there has been a compromised account or suspicious transaction. They may use technology to make it look like the call is

Stress is part of modern life, but living in a constant state of tension isn’t. Left unchecked, stress can quietly erode your physical health, mental wellbeing, relationships, and overall quality of life. The good news? Many of the most effective stress-relief tools are simple, accessible, and within your control. Below are the top 10 ways people successfully relieve stress , followed by five powerful questions to help you self-diagnose whether stress may be running the sho

Turn on the news during any period of global unrest and it can feel like the financial world is unravelling. Markets fall sharply. Headlines scream crisis. Investors begin to question everything. And yet, history tells a very different story. Share markets rise and fall. They always have. Volatility is not an exception to investing — it is part of it. The key to building long-term wealth is not avoiding volatility, but understanding it and resisting the urge to panic when it

Planning a road trip can be an exciting adventure, offering a unique blend of freedom, discovery, and bonding opportunities. Whether you’re exploring familiar landscapes or venturing into unknown territories, preparation is key to ensuring a smooth, enjoyable experience. Here’s a comprehensive checklist to consider for your next road trip: Vehicle Preparation Maintenance Check : Ensure your vehicle is in good condition. Check oil levels, tire pressure, brakes, and batter

Every time markets dip, the same question rises to the surface: Should I move my superannuation to cash before things get worse? It’s a natural reaction. Watching balances fluctuate can be uncomfortable. But superannuation was never designed for short-term comfort — it was designed for long-term growth. The old saying remains true: it’s time in the market, not timing the market, that builds wealth. Since compulsory superannuation began in Australia in July 1992 (source trea

A Will is one of the most important documents you will ever put in place, yet it’s also one of the most commonly delayed. Many people assume they don’t need a Will until later in life, until they have more assets, or until “things settle down.” The reality is that life is unpredictable, and a properly prepared Will provides clarity, protection, and peace of mind for you and the people you care about most. At its core, a Will is your voice when you are no longer able to speak

Two in three retirees are worried about running out of money in retirement, according to new research. Understanding the bucket strategy for managing retirement savings can help you find a balance between having income to spend in the short term and growing your money for the long term. How do you find the sweet spot between using your retirement savings to enjoy a comfortable standard of living, and investing so you won’t run out of money in the future? It’s a big question

Australians are using artificial intelligence tools to impress their boss and cut hours from their working week but the technology is also creeping into the kitchen and renovation plans. Preparing special meals for friends and family has emerged as the surprising top use for ChatGPT in Australia, alongside sourcing recipes and cooking tips. OpenAI revealed the growing trend in a report, which showed generative AI had also crept into considerations about home renovations and t

Tracking your spending is a way to take control of your money. Knowing where your money goes can help you spend less and save more. 1. Track your spending and expenses First, get a clear view of where your money is going day to day. Choose how long to track One week for daily spending Start small by recording your spending every day for at least a week. This way you can see all the money going out. Or monthly for recurring expenses If you have some weeks or months with more e

As we advance into the 21st century, the concept of aging is undergoing a transformation, largely thanks to a new generation of “oldies” who don’t feel old - and are reframing what it means to be getting on in years. Traditionally, aging has been associated with decline, frailty, and a sense of irrelevance. However, today’s generation is challenging societal norms and expectations while embracing a more vibrant and empowered perspective on life in later years. A generational