Sailing the high seas is the easiest holiday for a lot of us, but here are secrets and tips that could make your cruise even more fun and relaxing! Embarking Arrive at your embarkation port a day early. This allows you to avoid any last minute stress caused by potential delays and allows you to adjust to a new time zone or allows you time to sightsee. Everyone wants to be on board fi... read more>

Are you aware of how much waste you’re creating, and how much money you’re throwing away in the process? Spending money on unnecessary items is not only bad for the environment, but it can also add up over the course of a year. Much of our consumption these days is based around convenience says Deborah Southon of budgeting and debt solutions provider Fox Symes. “People would rather bu... read more>

First world problem : What can we do with all these extra years and extra dollars? It’s no news many of us are living longer and healthier lives but there’s plenty of scope, and no little uncertainty, around how best able to spend this so-called longevity premium. Every generation, say 25 years, the average life expectancy of those in the western, and other parts of the world, climbs by t... read more>

You’ve only got days left to turn in your tax return before the October 31 deadline. Hopefully, you get money back and can then focus on how to actually spend it. The ATO will issue a Failure To Lodge (FTL) penalty if your return isn’t lodged by the deadline. It’s calculated at the rate of one penalty unit for each period of 28 days or part thereof that you’re overdue. Penalty units are ... read more>

52% of Australians do not have a will. Of those that don’t have a will, 34% haven’t gotten around to it yet. WHAT IS A WILL? A will is a legal document that sets out your wishes for distribution of your assets after your death. In non fancy legal speak, it is a legal document that tells your family what you want done with your belongs and money when you die. WHY A WILL IS IM... read more>