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Being your own boss offers flexibility, but it can also mean dealing with uneven income. Learn how contractors and freelancers can budget more effectively, prepare for tax obligations and super contributions, and build financial buffers to help smooth out the ups and downs of self-employment.

Key global developments in July The end of the US-Iran peace deal led to a renewed surge in oil prices and bond yields, yet equities held up due to continued solid growth in earnings. Higher oil prices and bond yields helped the energy and financial sectors especially.

You don’t need to be “good with money” to build wealth. Budgeting isn’t about restriction. It’s about understanding where your money goes so you can choose where it should go next.

Lower mortgage repayments can be tempting, but resetting your home loan back to 30 years could cost you far more in the long run. Discover the hidden disadvantages of extending your mortgage, from extra interest and slower equity growth to the risk of carrying debt into retirement.

Your borrowing capacity isn’t determined by your income alone. Find out why interest rates, lender policies, existing debts and living expenses can change how much you may be able to borrow.

As Labor’s new budget rolls out,  Australia’s taxation system will be subject to major reforms including the abolishment of the 50% capital gains tax discount across almost all asset classes. This will be replaced with an inflation-indexed system and a minimum 30% tax rate on real gains starting July 1, 2027. However, this change does have some unintended consequences.

Our latest quarterly economic update includes commentary on the Iran–US peace deal and its impact on oil prices and share markets, the RBA’s latest interest rate decisions, sweeping tax changes for property investors, the falling gold price and the resurgent US dollar.

Small monthly subscription fees can quietly add up, costing your household hundreds or even thousands of dollars each year. This article explains how to conduct a simple subscription audit, eliminate unnecessary expenses, and put the savings towards achieving your financial goals.

Many Australian households are feeling the pressure of the “middle-class squeeze,” where rising living costs are making once-comfortable incomes feel increasingly stretched. This article explores the impact of lifestyle inflation and cost-of-living pressures, while highlighting practical budgeting strategies and the value of professional financial advice to regain control and build long-term financial security.

This article analyses how a clearly structured estate plan can help both you and your beneficiaries to minimise unnecessary taxes as your assets are passed on to your loved ones. Wills, trusts, and strategic death benefit nominations are all important considerations when exploring how to best transfer assets.

Do you have too many bank accounts, or too few? This article will help you to set up a bank account structure tailored to your own needs, allowing you to take control of your bills, beat stress and invest for your future.

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.