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Cutting costs can be a useful starting point when you’re struggling to make ends meet. But true financial progress comes from mastering your cash flow. This article explores how creating a consistent surplus through smarter budgeting can help you move beyond simply getting by and start building long-term wealth through investing.

As the end of the 2025/26 financial year approaches, now is the time to consider making those additional contributions to top up your super balance. There are various types of contributions avaliable to superannuation members, each with their own pros and cons. This article takes a closer look at their respective features including caps and eligibility rules.

Here at Seedli, we believe you’re never too young to start planting those financial seeds. Building healthy money habits is an essential life skill and can be introduced to kids by setting fun and age appropriate goals to make learning engaging and effective.

This article explains the concept of “loyalty tax,” where long-term customers may end up paying more than new customers for services such as insurance, utilities, and loans, often without realising it. The article highlights how regularly reviewing expenses, negotiating with providers, and seeking advice can help reduce costs and improve your overall financial position.

Congratulations on your pay rise! Commiserations on your resulting higher tax bracket. Find useful information in this article on how to avoid the consequences of income tax bracket creep so you can actually feel the benefit of your salary increase.

A feature article by Vanguard which analyses the key differences between the two asset classes. What are the primary factors investors should consider when deciding where to allocate their funds?

Our latest quarterly economic update includes commentary on the war in Iran and its impact on oil prices, interest rate increases, inflation pressures, market performance and cost of living challenges.

Higher interest rates may be causing many Australians to delay buying property, but waiting for rates to fall is not always the safest financial strategy. This article explores how borrowers can navigate a higher-for-longer rate environment and includes a checklist to help review existing mortgages or prepare for a future home loan.

Having a baby can be one of life’s biggest joys, but also one of its biggest financial shifts. Spending some time planning your finances can help make the transition smoother.

This article highlights some of the key super issues (excluding investment markets) that should be at the forefront in these volatile times, and also covers salary sacrifice to cash, and life insurance through super.

We take inspiration from this year’s International Women’s Day “Give to Gain” theme and provide some practical tips on closing the gender gap when it comes to personal finance.

Are you currently a remote worker or digital nomad? Or are you considering becoming one? This article will explain some of the tax, income structure, superannuation, banking, cash flow, insurance and investment issues you may face, and how to adjust your financial planning to meet them.