Harpel Financial Group in Greensborough, Victoria | Financial service

Harpel Financial Group

Locality: Greensborough, Victoria

Phone: +61 403 733 361

Address: Level 1 103-105 Grimshaw street Greensborough 3088 Greensborough, VIC, Australia

Website: https://harpelfg.com.au/

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25.01.2022 Some of life’s biggest financial decisions are made together with a partner. Buying a new car, saving for your first home, or having children are all big triggers for differences in your spending habits to crop up. Whatever your relationship status, there’s never been a better time to step up and take charge of your finances. #finances #spendinghabits #expenses

23.01.2022 Some ways to use your tax refund for a stronger financial future Given it’s been a financially challenging year for households, many Australians will be looking forward to some financial relief in the form of a tax return from the Australian Taxation Office. Here we look at some ways you could use your tax return for a stronger financial future. #Taxreturn #EOFY

23.01.2022 Shares remain vulnerable to short-term setbacks given uncertainties around coronavirus, the speed of economic recovery, the US election and US/China tensions. But the positives should keep any pullback to being a correction and on a 6 to 12-month view shares are expected to see reasonable returns. #Ausbiz #ASX #Investing

23.01.2022 The Lunar New Year begins on 12 February as we usher in the year of the Ox. Ancient Lunar New Year traditions are believed to encourage health, wealth and prosperity, so why not create your own good fortune with these five financial tips. #CNY #LunarNewYear #YearOfTheOx

22.01.2022 Superannuation 101: Your guide to a happy retirement Although it may not seem like it yet, your superannuation savings are likely to be one of your greatest assets as you approach retirement. Here we look at some of the key ways you can make sure your superannuation savings are working hard for you. #Superannuation #Retirement #Nestegg #Savings

22.01.2022 Financial wellbeing is often overlooked as one of the pillars of good health, but it’s every bit as important to your physical, mental and emotional state. When you take the time to focus on your financial health, you may see a range of positive flow-on effects such as peace of mind and enjoying your leisure time more. #Financialwellbeing #Financialfreedom #Financialplanning

21.01.2022 The financial impact of COVID-19 has forced many households to review their finances, rein in spending and consider tighter budgets. If you’re facing challenges, here are some steps that can help in establishing good financial habits. #Financialhabits #Savings #COVID-19

21.01.2022 Financial counsellor or financial planner, what’s the difference? Financial planners and financial counsellors are both types of financial specialists, so which one is right for you? It all comes down to the reasons why you’re seeking financial advice. Here we look at the difference between a financial planner and a financial counsellor and the services they offer. #Finanicalplanner #Financialadvisor #Financialprofessional

20.01.2022 How is your credit score affected by COVID-19? If you’re one of the many Australians financially impacted by COVID-19, who have deferred $218 billion worth of payments this year fear not. Your credit score is unlikely to be affected by payment deferrals or mortgage holidays due to the current state of the world. However a strong credit score is still important when it comes to future loans. Here we look at how it’s calculated and what you can do to maintain a good score. ... #Finances #Creditscore #COVID-19

20.01.2022 Easy access not so super for women The Australian Government’s early access to superannuation scheme has allowed many of those financially affected by COVID-19 to make significant dips into their superannuation savings. However, it may not necessarily be a wise course of action over the long term, particularly for women who often have lower... superannuation savings than men. Here are five reasons why this could undermine future financial security for women. #Superannuation #Women #Coronavirus

20.01.2022 Get on top of your finances post COVID-19 We’re beginning to see some relaxation of the restrictions implemented in response to COVID-19. While this is good news for businesses and their employees. It’s clear that things won’t completely return to normal for some time. For those workers who’ve been forced to drop hours or accept lower pay, this could mean adapting to life with a reduced income for the foreseeable future. Here we look at some strategies that may help.... #Coronavirus #budgeting #personalfinance

17.01.2022 What tax deductions can I claim working from home? Many Australians transitioned to working from home as COVID-19 escalated earlier this year. As a result, many of us will be entitled to greater tax deductions when it comes time to filing our tax return for the 2019/20... financial year. Here’s what it might mean for you. Related article What tax deductions can I claim working from home? #ausbiz #eofy #taxtime

16.01.2022 It’s a topic most people avoid discussing, but organising your legal Will and estate plan while you are fit and well can make things less stressful for your family when you eventually pass away. Here are six ways to start the estate planning process today. #estateplanning #attorney #wills

15.01.2022 Digital payments and online banking explained With the current health crisis, many businesses have moved away from cash and are accepting payment by credit or debit card only. While older Australians are still those most likely to prefer to pay by cash, habits are changing. Here we explain some of the common online or ‘contactless’ payment methods. #Digitalpayment #Onlinebanking

15.01.2022 Give yourself a new financial year check-up An annual medical check-up is something many of us take for granted, and for good reason. It’s essential to maintain a healthy mind and body and to identify any underlying issues that may present problems further down the track.... A new financial year is also the ideal time to review your finances and future outlook. Here are a few tips to get started. #Financialfuture #EOFY #Finances

15.01.2022 How seniors can come out of isolation on top With seniors more at risk of the serious health impacts of Coronavirus, staying home has made good sense. But it’s not easy being away from friends and loved ones. Here we look at some ways older Australians have kept their spirits up and maintained contact with loved ones during isolation as well as some tips to keep worries at bay as restrictions ease. #Seniors #Isolation #Coronavirus

15.01.2022 Having a baby is an exciting and life-changing experience. But what about the cost? There are many hidden and unexpected expenses that go along with your new bundle of joy. Follow our handy guide to planning your finances, so you can avoid money worries once baby arrives. #Babybudget #Pregnant

14.01.2022 Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you’ve planned it correctly, it heralds a life stage synonymous with relaxation and enjoyment. However, to make sure retirement works out well for you, it’s important to make smart decisions and stick to a sound financial plan. Here are five tips that can help. #FinancialFreedom #Retirement #RetirementPlanning

14.01.2022 Not many people can say they’ve been unaffected by COVID-19. Whether you’ve lost work, had hours reduced or been fortunate to maintain employment, COVID has been a wake-up call for how we manage our money and set financial goals. Whatever your situation, now could be an ideal time to revisit your financial goals and decide if they’re still right for you. #Holidays #Savings #Goals

13.01.2022 Should you give your teenager a credit card? We live in a culture of smartphones, WIFI, home delivery, online shopping and online gaming, where most needs and wants can be met almost instantly. ... With so much temptation to spend, it’s important to teach children sound money management skills. But where do credit cards come in, and should your teenager have one? #Creditcard #Finances #Teenagers

12.01.2022 Social isolation can be a challenge, but there are lots of ways to keep your head while keeping your distance. There are people who are better at the whole social distancing game than others. If you’re happy and productive working from home you may find it a breeze. Others, however, may struggle. Here we look at some tips that can reduce anxiety and improve your outlook while maintaining a social distance. #Covid19 #SocialDistancing #Isolation

11.01.2022 Five ways to help prepare your finances for a recession The full economic impacts of COVID-19 are still being felt across Australia. If you’re worried about the threat of redundancy, your investments or your retirement plans being disrupted, here are five things you can do that may help. #Recession #Finances #Economy ... Read more: https://harpelfg.com.au/five-ways-to-help-prepare-your-fin/

11.01.2022 Essential apps for budgeting and saving money Just like finding an exercise regime that suits your lifestyle, it’s important to work with the right tools to manage your finances. Here we look at seven money management mobile apps that are designed to make managing money easier.... #Finances #budgeting #personalfinance

10.01.2022 The use of a tap-and-go system and other digital payment technologies has grown rapidly over the last 12 months. In fact, many retailers now prefer contactless payments over cash. With this trend set to continue, is it time to say goodbye to cash? #ContactlessPayment #PayPal #TouchandGo

10.01.2022 Term deposit vs savings account Whether it’s business or personal, saving and investing are two key components of a financial plan. Interest-bearing savings accounts and terms deposits are popular options for many people who require stability and easy access to their savings, but which option is right for you? Here we unpack what you need to know.... #Termdesposits #Savingsaccount #Money

09.01.2022 What to do next if you’re facing redundancy There has been a dramatic increase in workers facing redundancy due to the economic impact of covid-19. If you have been affected, here are some ways to make the most of your entitlements and start planning for the future. #Redundancy #COVID-19

07.01.2022 Retail therapy feels great at the time, but those spending spree memories quickly subside once your credit card statement arrives. Research shows that investing in life experiences, rather than consumption can have a more positive impact on our overall happiness and wellbeing. Is it time to reassess your spending habits? #Spendinghabits #Happiness

07.01.2022 Surviving on a student budget isn’t easy, but it can be done. Whether you’re studying remotely this year, or returning to campus, we’ve gathered some tips to help you manage your finances. #student #budgeting #university

07.01.2022 Putting your own needs first An elderly parent selling the family home to move in with the children’s family may seem like a good idea and mutually beneficial to both parties. However, it’s a big decision that requires great consideration. Things may not work out as planned which could lead to resentment and conflict. Here are some key things to consider before you make any lasting decisions. #Elderabuse #Financialplanning

05.01.2022 Owning your home is often considered the great Australian dream. But for many, it can feel out of reach. Before you can step onto the property ladder and buy your first home, you’ll likely have to do some serious saving to build up a deposit. Here are some things to consider that can help get you started, and on the road to home ownership sooner. #Home #Homeowner #Dreamhome

05.01.2022 Don’t let overspending be your undoing Do you struggle to control your spending around your friends and family? If the urge to ‘keep up’ with a certain lifestyle is stretching your finances, it could be time to take action. Fortunately spending habits are just that habits and they can be changed. Here’s how to avoid the debt spiral and get your finances on track.... #Overspending #Spending #Excessivespending

04.01.2022 Some big life changes and big expenses can occur in your 30s such as HECS debts, paying rent while trying to save for a first home deposit, or starting a family. Yet even with all these competing demands for your money, it’s still possible to plan ahead for the future. #savings #money #financialfreedom

03.01.2022 Five common financial mistakes to avoid during a crisis Many households are struggling financially as a direct result of the COVID-19 pandemic. In an ideal world, everyone would be financially prepared for tough times, but in reality it’s not always the case. Here are five common financial mistakes to avoid. #Finances #COVID19 #Crisis

03.01.2022 Cybercrime rose sharply in 2020, as more people worked, shopped and socialised online due to Covid-19. Anyone can be a target, so it’s essential to be proactive when it comes to protecting your finances and identity online. Here’s what you can do to stay safe #Cybercrime #Onlinebreach

01.01.2022 If the Coronavirus pandemic has disrupted your retirement plans, reviewing and adjusting your superannuation strategy could help get you back on track towards achieving your retirement goals. Here are three smart super strategies that could help. #retirement #rethinkingretirement #money