New Year’s Resolutions: Why we make them—and why some stick while others don’t
Every January, millions of people around the world embrace the symbolic “fresh start” that the new year provides. Fuelled by optimism and the desire for self-improvement, we set resolutions that promise better habits, healthier living, and greater fulfilment.
But as the enthusiasm of January fades, so too do many of these well-intentioned goals.
Educating investors: Building the foundations for long-term generational wealth
A new year carries a quiet kind of magic. It invites reflection without judgement and possibility without pressure. No matter what the past year looked like, January represents a reset button — a chance to realign your priorities and move forward with intention.
Whether you’re aiming to improve your financial position, lifestyle, relationships, or health, the new year offers a powerful opportunity to take small, meaningful steps that add up to lasting change.
Educating investors: Building the foundations for long-term generational wealth
Investing can feel intimidating for many people, particularly those just starting out. Markets fluctuate, headlines create fear, and misinformation is everywhere. Yet at its core, successful investing is not about chasing hot tips or timing the market—it’s about understanding a few fundamental principles, staying disciplined over the long term, and seeking quality advice to guide decision-making.
Retirement isn’t an age — it’s a financial position
For decades, retirement has been framed as a milestone tied to age. Sixty-seven has become a default finish line — the point at which work stops and “retirement” begins. But this traditional view no longer reflects reality.
Retirement is not about reaching a specific birthday. It’s about reaching a point where your finances give you choice.
Your dream trip: The globe lands on… Portugal!
Here’s a fun “spin-the-globe” travel suggestion—written as if fate itself chose your next dream adventure:
Imagine giving the globe a good spin, closing your eyes, and stopping it with your finger. When you open them—boom—Portugal.
Helping an older loved one feel ready for aged care
Here are five practical, compassionate tips to help an older person move to aged care or a retirement home—and, just as importantly, to help them feel on side and able to speak positively about this next chapter of life.
1. Reframe the Move as Support, Not Loss
2. Involve Them in Every Decision (Even Small Ones)
3. Focus on What Stays the Same
4. Talk About the Next Chapter, Not the Final On
5. Acknowledge Their Feelings—Don’t Dismiss Them
Financial security: four key strategies to safeguard your financial future
Financial stability doesn’t usually come by chance; it requires preparation and strategy. Most of us depend on a steady paycheck, but few consider what would happen if it disappeared suddenly.
Protecting yourself against financial disaster means planning ahead. Here are four key strategies to safeguard your financial future.
1. Establish an Emergency Fun
2. Diversify Your Income Streams
3. Get Adequate Insurance Coverage
4. Aggressively Reduce Your Debt
Using your accountant or adviser as a mentor for your new business
Starting a business is an exciting yet challenging endeavor. As an entrepreneur, you need to navigate various systems and processes while minimising errors and maximising success. To gain a competitive edge and make informed decisions, establishing a working relationship with a professional mentor is invaluable. While mentors can come from diverse backgrounds, finding an Accountant or Adviser who also functions as a business mentor can provide unparalleled benefits for your new venture. In this article, we will explore three fundamental ways in which the mentorship of a trusted Adviser can add value to your business.
Some steps you can take if you are struggling to make mortgage repayments?
Owning a home is a significant milestone. However, the financial responsibility of mortgage repayments can be daunting for some homeowners.
In times of financial difficulty, it’s essential to find ways to manage your mortgage and avoid defaulting on your loan. Here are some practical tips you can implement right away if you’re struggling with mortgage repayments:
1. Assess your financial situation.
2. Reach out to your lender.
3. Consider refinancing your mortgage.
4. Seek financial counselling.
5. Explore government assistance programs.
What to do if you’re being sued or asked to pay damages
Facing legal action, whether it comes as a lawsuit or a demand to pay damages, can be incredibly stressful. It may trigger feelings of fear, confusion, anger, or embarrassment, especially if the claim feels unfair or comes as a complete shock.
During such times, it’s important to stay calm, act quickly, and make informed decisions. Here’s a guide to help you through this difficult time, including why seeking legal advice is essential and how to emotionally manage the situation.