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What you should know about using cryptocurrencies

By On September 30, 2019

In an increasingly technologically dependent age, it can be useful to keep up with new forms of currencies in the digital space. Cryptocurrency is internet-based, digital money that is not controlled by… Read More


Getting to know your credit score

By On September 18, 2019

Your credit score is an important number in your life as it can affect many financial aspects of your life. The three-digit number is a representation of your credit history, based on… Read More


Spring clean your finances

By On September 6, 2019

When it comes to your money, whether it be loans, insurance, savings or superannuation, having a ‘set and forget’ attitude can be detrimental to your long term finances. Checking in on the… Read More


Short-term vs long-term financing

By On August 21, 2019

Maintaining healthy cash flow can be challenging; between ongoing expenses and bills, poor cash flow can severely impact your customers, staff and bottom line. Business owners need to understand the differences between… Read More


Getting on top of cash flow

By On August 6, 2019

Managing cash flow is critical to the success of a small business. While it is necessary to be profitable, your profit is a number that shows up on your accounts at the… Read More


Strategies for achieving your financial goals

By On July 22, 2019

Setting financial goals can be a great way to ensure that you’re always in control of your money. However, we all have frivolous spending habits that can derail us from achieving these… Read More


Using your tax return wisely

By On July 9, 2019

Getting your tax refund back is exciting, but as tempting as it is to splurge, consider other ways you can put that money to good use. It is easy to get caught… Read More


Ratio analysis methods for your business

By On June 11, 2019

Financial ratios are useful tools for business owners to monitor, analyse and improve their business performance. By using ratio analysis methods, you can gain insight into a company’s liquidity, efficiency and profitability… Read More


Risk management strategies for investors

By On May 29, 2019

When it comes to investing your money, there is the possibility that it may not perform as well as expected with you losing some or all of the original investment. While no… Read More


Consolidating your debt

By On May 10, 2019

Debt consolidation loans are a financial solution that may be suitable when you have multiple debts at once and are struggling to manage them all. Debt consolidation is the process of bringing… Read More


Ensuring your invoices are paid on time

By On April 29, 2019

Having a healthy supply of cash is vital for the survival of small businesses, as it is required to operate and enables you to pay workers, rent and other expenses. Unpaid invoices… Read More


The pro’s and con’s of using someone else’s money

By On April 1, 2019

Borrowing money to invest, also known as ‘gearing’, can be a risky business. While it can increase your returns when markets rise, losses can be extreme when markets fall. It is important… Read More


Income investing: Managed funds vs. ETFs

By On March 18, 2019

There are a number of options when it comes to choosing an income investment scheme. Investments that generate regular income can be useful in a number of various situations, such as funding… Read More


Invest in your investments

By On March 1, 2019

If you are in a position to invest, it can be a great venture to help grow your wealth as well as provide opportunities for others through your contributions. Before investing though,… Read More


Payday loan apps and websites; the pros and cons

By On February 14, 2019

Personal loans have become a fast-growing financing option for consumers, with payday apps and websites gaining popularity. For aid between paychecks, payday loans can be very helpful for the pay cycle lull.… Read More


Switching banks for your business

By On January 31, 2019

Businesses need to access finance with ease in order to sustain and develop themselves. Is your current bank still cutting it? Here are some indicators and tips to effectively assess your business’… Read More


Areas of investment you might not have considered

By On January 18, 2019

People and internal processesArguably one of the best forms of investment is in the employees you hire, and the talent, experiences and skills that come with them. Take the time to reflect… Read More


Get your invoices paid on time

By On December 20, 2018

Allowing late invoice payments can set a harmful precedent for your business. Keep your cash-flow steady and avoid wasting time chasing up invoices by following these tips. Have a written agreement of… Read More


Improving cash flow for your business

By On December 14, 2018

Cash flow can be an issue for small businesses, especially if you have peak and low periods. Follow these tips to improve your cash flow and avoid running into a tight financial… Read More


Celebrating Xmas at the office on a budget

By On December 11, 2018

Christmas is a great time to reward your employees but the celebrations you plan do not have to break your bank. You can have a frugal and fun Christmas at your office… Read More


Credit card do’s and don’ts

By On November 29, 2018

Credit cards are useful financial tools that can help you manage cash flow but can run you into debt if you are not careful. Before you swipe your first credit card consider… Read More


Cut marketing costs

By On November 27, 2018

Marketing is necessary to increasing your customer traffic and boosting your bottom line but comes at a significant cost. You can reduce your marketing expenses without decreasing the quality of your marketing… Read More


Ways going green can save your business money

By On November 20, 2018

Going green at your office will reduce your environmental footprint and save you money in the process. Follow these tips for eco-friendly policies that will benefit your business’ bottom line. Reduce utility… Read More


Save money on your office printing

By On November 8, 2018

Printing is vital to running your office but may incur significant costs. Save money around your office by following these tips on managing your printing supplies. Manage your ink and toner useInk… Read More


Tips to save money on office space

By On October 30, 2018

The expenses of running your office and paying for rent add up to a significant cost to your business. There are several key ways you should consider to reduce costs, without sacrificing… Read More


Save money on your recruitment costs

By On October 26, 2018

Recruiting new staff can be costly and time-consuming. In the long run, using an external recruiting service will keep your team on task and streamline your hiring process. Advantages of an external… Read More


Saving money on your fuel bill

By On October 21, 2018

For those who use a vehicle to commute, fuel is an expense that adds up. To save on the costs consider the following tips: Change the way you driveSuddenly braking, taking multiple… Read More


Managing your debt

By On October 12, 2018

Debt management is key to staying on top of your finances. Avoiding debt by paying your bills on time and budgeting wisely is the best approach but if you slip into the… Read More


Haggle like a pro

By On October 5, 2018

When it comes to saving money on anything from home loan interest rates to new appliances for your house, haggling is critical. Master some of the haggling skills below to reap some… Read More


Tips to save on office supplies

By On September 28, 2018

Office supplies may seem like insignificant purchases, but like anything, the costs add up. It makes sense to save on what you can in your business. Consider some of these smart tips… Read More


Everything you need to know about paying off your uni debt

By On September 24, 2018

In Australia, we are lucky enough to have student loan programs to cater to the broad demographic of people who want to progress their careers or knowledge through tertiary studies. What is… Read More


Using your credit card wisely

By On September 14, 2018

A credit card can be a useful way to pay for the things you want in life. But if you do not keep track of your credit balance, you may find your… Read More


Managing your working capital

By On September 6, 2018

Working capital is the money needed for day-to-day business operations and is often a measure of a business’s liquidity, efficiency and financial health. To ensure your business has adequate working capital, the… Read More


Investing: the basics

By On August 31, 2018

Before launching your investment portfolio, it is important to be aware of the strategies you can adapt to manage the risks involved in achieving your investment goals. Here are some basics to… Read More


Following up on your debtors

By On August 24, 2018

It is important for business owners to be consistent when chasing debtors to recover debts in a timely manner. By doing so, they will be able to maintain stable customer relationships while… Read More


Saving for a home

By On August 20, 2018

Buying a house is a great accomplishment; you gain a place to call home where you can create a life full of memories in. It is important to develop a plan for… Read More


Eliminate a product and boost your bottom-line

By On August 3, 2018

Sometimes the best way a small business can improve their bottom-line is by merely scraping their under-performing products or services. Refusing to let go of stagnant products will put your business at… Read More


Internet banking: safeguard your savings

By On July 27, 2018

Each time you use internet banking to transfer money to family or friends, pay your bills, or check your account activity, consider these handy tips to help keep your savings secure. Check… Read More


Handy tips to prevent personal loan rejection

By On July 20, 2018

When applying for a personal loan, it is essential to do everything feasible to improve your probability of getting approved. Receiving just one knockback for a loan will be recorded on your… Read More


Bad business habits

By On July 13, 2018

When you run your own business, it can be hard to step back and look at the big picture. Failing to do so, however, not only harms your business; it can also… Read More


How to spot a phishing scam

By On July 6, 2018

Falling for a phishing scam is often easy. You receive an email or a text message from your bank asking you to click on a link and verify your account details for… Read More


Boost your business’ cash flow

By On June 29, 2018

Managing cash flow is the golden rule for most small business success. Too many small businesses fail due to poor cash flow management. To avoid getting your business into trouble, consider the… Read More


Reducing your winter bills

By On June 15, 2018

When the winter season commences, you might notice a spike in your bills. Although, it is no surprise that additional heating and hot water adds up, you may be surprised at how… Read More


Financial checklist before you die

By On June 1, 2018

While preparing for a time when you are gone can be morbid, sorting out your financial matters now will help to protect your loved ones later on. Take a look at these… Read More


Financial tips to reach your goals

By On May 25, 2018

Whether it is saving for a new car, a house deposit or a holiday; we all have spending habits that can derail us from achieving our financial goals. But luckily, most of… Read More


How to spot a fake loan

By On May 18, 2018

When shopping around for a personal loan, it is wise to be conscious of any potential scammers that may try and offer you a deal that sounds too good to be true.… Read More


Finance tips for first-time entrepreneurs

By On May 11, 2018

Starting a new business is a big commitment. There are many financial factors a first-time entrepreneur must consider if they are aiming to create a long-term business. Check your personal credit score… Read More


5 Spending habits to break

By On May 7, 2018

Our spending habits play a fundamental role in determining how well we can save our money. If you wish to save more efficiently, it is important to recognise a bad spending habit… Read More


How to make passive income

By On April 27, 2018

With more and more people opting away from traditional 9-5 jobs, the appeal of joining the gig economy is at an all-time high. However, for many people, forgoing their full-time job is… Read More


Should you use a personal loan?

By On April 19, 2018

A personal loan can come in handy if you need some extra cash to fund a purchase, but it may not always be your best option. Before you sign away, you will… Read More


Reducing business expenses

By On April 16, 2018

Having control over your business expenses is an essential part of running a successful small business. Fortunately, controlling your expenses does not have to be hard work. Consider the following ways to… Read More


Risks of investing in cryptocurrencies

By On April 6, 2018

Bitcoin experienced its worst first quarter in history in 2018, falling from $13,412.44 to $6,928.85 in the three months to 31 March. Bitcoin, among other cryptocurrencies, are slowing down with market values… Read More


Cutting down your marketing costs

By On March 28, 2018

When business is struggling, one of the first places business owners look to cut costs is in their marketing efforts. Although many do not view marketing as an essential element, it can… Read More


Tricks to save more money

By On March 23, 2018

Most people, at some stage or another, will need to save money. Whether it is for a large purchase such as a house deposit or money for a rainy day, similar savings… Read More


Saying no to pushy salespeople

By On March 16, 2018

It is more than likely at some stage of your life you will encounter a pushy salesperson attempting to close a sale. And although you may feel rude to decline, it is… Read More


Starting a business with minimal funds

By On March 9, 2018

Starting a business with little to no personal capital will be challenging, but it is not impossible. Luckily, if you think creatively, there are a number of ways you can start your… Read More


Managing investment risks

By On March 5, 2018

Investing can be a great financial strategy, but only if risks are managed appropriately. When investing, it is important to understand three aspects surrounding risk; what it is, why it’s important, and… Read More


Managing risks associated with investing

By On February 22, 2018

Whenever or however you choose to invest, there will always be risk involved. Luckily, there are strategies you can adopt to manage this risk in the best way possible for you and… Read More


Maximising your accounts receivable

By On February 16, 2018

Freeing up working capital can help businesses fund growth, reduce debt levels and lower costs. One way to improve working capital is by managing your accounts receivable. Many businesses fall into the… Read More


Tips for maximising business cash flow

By On February 6, 2018

The ability to manage cash flow is a critical tool for business owners. Incorporate the following cash flow tricks to keep the money coming in and the business running smoothly. Make payment… Read More


Cash flow tips to improve your business

By On January 25, 2018

Poor cash flow is one of the biggest reasons why small businesses fail. A healthy cash flow allows you to operate your business free of hassle; allowing you to pay your staff… Read More


Making your money stretch further

By On January 19, 2018

If improving your finances is on your resolutions list for 2018, you may be searching for ways to make your money work smarter for you. Fortunately, a few simple changes can see… Read More


Money resolutions for the New Year

By On January 12, 2018

Many start the New Year with an optimistic list of resolutions. Not meeting those resolutions many months later is all so familiar too, especially when it comes to financial goals. Setting unrealistic… Read More


Getting out of small business debt

By On December 14, 2017

Managing debt in your small business is essential to maintaining the financial health of your business as well as preventing bankruptcy. Consider the following tips to ensure your small business debts do… Read More


Chasing up payments from slow customers

By On December 1, 2017

Following up on customers that don’t pay their bills is a nuisance, but unfortunately, it is part of running a business. There are ways you can protect your business and take action… Read More


Make your credit card work for you

By On November 21, 2017

Not keeping track of your credit balance can be a hard but an important lesson many individuals can learn from. Thanks to interest and fees, many individuals may pay for more things… Read More


Getting customers to settle debts

By On November 14, 2017

Good credit management is an important business strategy to maintain cash flow and stable finances. A cornerstone of managing credit is not only making sure an invoice gets paid, but gets paid… Read More


Financial considerations for students

By On November 12, 2017

Managing money on a student budget can be challenging but it does not have to be burdensome. With the right financial skills and knowledge, you can learn to manage your money more… Read More


Benefits and risks of joint accounts

By On November 2, 2017

Joint accounts can be a great financial tool, but they can also be the source of conflict for partnerships. Before setting up a joint account, consider the following pros and cons to… Read More


Questions to ask before applying for a loan

By On October 20, 2017

A loan can be great help. It can assist you in achieving your goals faster, such as buying a house, purchasing a new car or getting your business up and running. However,… Read More


Why real-time bookkeeping makes a difference

By On October 13, 2017

Keeping business records up to date and in order isn’t necessarily a habit that comes naturally to all business owners. With owners needing to be on top of essentials like expenses, cash… Read More


Managing your financial affairs when self-employed

By On October 6, 2017

There are many rewards when working for yourself; no boss, freedom to choose your own hours and some lifestyle perks. However, self-employment also means you are responsible for balancing your personal and… Read More


Choosing the best loan

By On September 22, 2017

Getting a good loan can save you thousands of dollars in fees and interest, so it is important to shop around for the best deal. There are many considerations when choosing a… Read More


Making the most of your tax refund

By On September 7, 2017

Getting your tax refund back is exciting, but as tempting as it is to splurge, consider other ways you can put that money to good use. Consider the following options: Add to… Read More


Quick financial tips to make your money go further

By On August 25, 2017

There are no steadfast rules for saving money. Everyone’s financial situation is different; people earn different amounts, need to save different amounts and have varying expenses. Luckily, the following tips can apply… Read More


Strategies for getting out of debt

By On August 15, 2017

Getting into debt is not usually something you plan for; you may have an emergency fund but sitting down and planning how to pay off debt may not be something you have… Read More


Small business budgeting tips

By On August 4, 2017

Budgeting in relation to your small business can make the difference between business success or business failure. A budget helps you keep a better eye on your expenditures and hence your profit… Read More


Top tips for term deposits

By On July 28, 2017

Term deposits are an easy and secure way to invest your funds. But it is always a good idea to do your research and shop around first to find the best return… Read More


Cash flow tricks you should be practising

By On July 14, 2017

The ability to manage cash flow is a critical tool for business owners. Incorporate the following cash flow tricks to keep the money coming in and the business running smoothly. Make payment… Read More


Handling pushy salespeople

By On July 10, 2017

Rejecting a sales pitch can be difficult when dealing with a persuasive salesperson – however, having additional time to think about their offer is much more beneficial in the long run. Salespeople… Read More


Containing business costs effectively

By On June 30, 2017

Saving money should be a priority in any business. The ability to cut costs on the overheads involved in running a business is a skill that can set you apart from others… Read More


Saving on overhead costs

By On June 23, 2017

Owning a business will, especially for new business owners, entail a number of fees and costs that can reduce profits. Luckily, there are many ways to save money on overhead costs. Below… Read More


What is an interest-only loan?

By On June 15, 2017

Interest-only loans have grown considerably in Australia over the past few years. However, a recent crackdown from the Australian Prudential Regulation Authority on this type of lending highlights the risks of these… Read More


Weighing up unit trusts

By On June 1, 2017

Unit trusts are a way of holding assets and are most commonly used as a form of investment strategy. A unit trust is a particular type of trust that allows individuals to… Read More


Successful business borrowing

By On May 19, 2017

With banks conducting careful research to determine a business’ risk factor, it is more important than ever for businesses to maintain a good relationship with their bank in order to safeguard their… Read More


How to cost-effectively drive business sales

By On May 9, 2017

Making more business sales, especially through slow periods, can seem difficult. With rising overheads and limited cash flow, increasing sales is likely to be high on the agenda. Fortunately, business owners can… Read More


Do you have unclaimed money?

By On May 4, 2017

In Australia, there is currently $1.1 billion worth of unclaimed money. Unclaimed money usually eventuates as a result of people moving often or moving internationally, and some people simply forget or do… Read More


Managing your finances

By On April 21, 2017

The ability to be smart with your finances in order to make more money is not always easy. We live in a society where we are encouraged to consume, and we often… Read More


Understanding credit scores

By On April 13, 2017

Credit scores are an impact factor in determining an individual’s credit worthiness. When an individual applies for a loan, such as a mortgage or car loan, a credit provider will use a… Read More


What investors will look for when funding a startup company

By On April 6, 2017

Ultimately, every investor is different. However, when looking to invest in any startup company, there are a number of boxes you will need to check regardless of who decides to invest in… Read More


How to increase prices without deterring customers

By On March 31, 2017

Although, some business owners may be apprehensive at the thought of increasing prices, it is an inevitable and necessary part of business survival. While most customers may not be thrilled by the… Read More


Tips to prevent business fraud

By On March 24, 2017

Business fraud is a significant and growing issue for small business owners. Although fraud is not completely unavoidable, there are ways businesses can protect their private and confidential information. Here are five… Read More


Understanding financial ratios

By On March 9, 2017

Financial ratios are useful tools for business owners to monitor, analyse and improve their business performance. A financial ratio contains one or more financial figures and is expressed as a ratio, rate… Read More


Budgeting for growth

By On February 17, 2017

It may seem obvious that business growth can only occur when there is money available for reinvestment. However, many businesses do not consider this when budgeting and planning their long-term finances. One… Read More


Tips to get out of debt faster

By On February 9, 2017

An overwhelming majority of people will face debt at some point in their life. Uncontrolled debt can easily snowball and severely impact an individual’s lifestyle and financial freedom. Fortunately, debt is manageable… Read More


Tips for improving cash flow

By On February 2, 2017

Maintaining appropriate cash flow is a critical component of running a successful business. Despite this, running out of liquid capital is one of the most common reasons that small businesses fail. Monitoring… Read More


Personal insolvency agreements

By On January 27, 2017

Individuals with high debts can see bankruptcy as a solution to their problems. However, being declared bankrupt has some serious long-term consequences and should be seen as a last resort. A personal… Read More


Improving your accounts receivable

By On December 15, 2016

Freeing up working capital can help businesses fund growth, reduce debt levels and lower costs. One way to improve working capital is by managing your accounts receivable. Many businesses fall into the… Read More


Increasing sales revenue

By On December 8, 2016

Stagnant sales can quickly plummet a business’s profitability. Business owners must constantly monitor sales and customer behaviour to reflect their market’s needs, or risk falling behind. Fortunately, there are ways to increase… Read More


Setting sales targets

By On November 25, 2016

Setting realistic sales targets is a key factor in improving performance and maximising profits. Realistic sales targets can help improve cash flow, increase motivation of sales staff and meet your overall business… Read More

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