3 ways you can save money this month
Have you ever thought about getting your finances in order, saving and investing but it all seemed so overwhelming that you gave up before you even got started? It’s very common. After living paycheque to paycheque and not worrying too much about where your money has gone, it can be hard to suddenly have these…
Under 40? Your super still matters.
So, you’re under forty. Should you be thinking about your superannuation? The answer is yes. Super is important no matter your age. We’re facing a problem, the baby boomers (yes, our parents) have started retiring putting a strain on the age pension. The government has already raised the age at which you can apply for…
The 3 steps to a successful financial plan.
Finances can be complex. We have found, through years of working with clients to achieve their goals, that simplicity is the best way to ensure that someone commits to and implements their plan to the fullest extent. At Smart Happy Money we have put together 3 steps that we believe may help you, depending on…
3 steps you can take to better prepare for your retirement
Let’s control what we can
In many places around the world only the rich ‘play’ the finance markets. Other people would never dream of having spare money to invest. Australia is different. We have a retirement savings system called ‘Superannuation’. Everybody in Australia who has worked at some point (made more than $450 in a month) has been paid super.…
3 Steps to financial success in your 40’s.
Have you turned the big 40? This decade is one of the most important when it comes to your financial success. Usually, you are entering a higher income earning period of your life. You may have partnered up, you could have kids. You are dealing with a mortgage or rent, rising living costs, school fees,…
To pay off debt, or invest?
What is Financial Planning?
When people think of financial planning they think about investment management. Where should I invest my money? Who will invest it for me? While this plays a part of a financial plan, and any good financial advisor will recommend that you invest your money a certain way, it is only a small part of a…
Everybody wants to retire, but do you know how it actually works?
Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option…