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25.01.2022 Your emergency account is there for emergencies (duh), so we want to make sure you've got as much of a buffer as possible! Here's your reminder to top up your emergency account if you've let it slip for a bit. #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

25.01.2022 It's never too early to start teaching your children good money habits and one of the best places to start is: sometimes you have to wait to get something you want. We know, that's hard enough for adults to learn let alone children, but delayed gratification makes a big difference with your money. It can also easily be translated into everyday things for your child like waiting for a swing at the park, not buying a toy straight away, or waiting a little longer for the ice cream.

24.01.2022 Everyone loves a nice fancy date night but dates which don't break the bank can often be even better! Here are our top five date ideas to get you started: 1. Go for a hike and swim under a waterfall - an obvious one to start but it's great getting back to nature 2. Volunteer together - whether you're helping at your local animal shelter or cooking food for the homeless, it's bound to help you feel warm and fuzzy 3. Test drive an expensive car - of course, just don't buy it af...terwards 4. Go berry picking and have a picnic afterwards - indulge in the fruits of your labour and maybe share a pizza or some cheese and crackers too 5. Cook a nice meal at home together - there's nothing like a home cooked meal, just ignore the dishes afterwards #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

21.01.2022 Budget home reno tips coming your way! Look around for deals - Just because something isn't brand new doesn't mean it can't spice up your home, so take a look on Facebook Marketplace, Gumtree, and in op shops to find a bargain. Try tile paint - Instead of retiling your bathroom which can be very costly, have a look at what options are available in tile paint and turn those shabby old tiles into something fresh. Add some plants - Natural greenery can hide pretty much ...anything, so shop at your local nursery or try propagating some plants you already own. Refresh the hardware - You'd be surprised at the change some new handles can make on your cabinets or doors and they're easy to change yourself. #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

20.01.2022 What's one of the biggest mistakes a lot of 20 year olds make? Not investing early enough in their future! Avoid thinking of your money as a future you problem or as something that you'll only get on top of when you earn more. The sooner you start investing in yourself and your future, the better off you'll be in the long term

20.01.2022 How do you balance financial priorities? We all have different financial goals and we often have multiple at the same time, so it can be tricky to know how to balance them effectively. Have a go at these key steps: weigh up the trade-offs, avoid delay, clarify your goals, set up for your future, and look at it regularly. #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave

19.01.2022 You've likely heard the term before because it pops up regularly in the news but what IS mortgage overcharge? Mortgage overcharges occur when borrower's have been charged too much on their mortgage due to the lender miscalculating interest, an incorrect base rate being applied, administrative errors, spurious charges, or excessive arrears fees. Not to worry though! Our team of experts are here to help you if you feel as though you may have been overcharged

19.01.2022 Just got engaged? Firstly, congratulations! Secondly, be prepared for it to cost some real $$$. The average Australian wedding costs $36,000 which is a lot more than many people are prepared for. Here are some top tips for keeping your head: - Have a discussion about what you're comfortable spending for your big day and stick to it - Come up with your list of non-negotiables... - Do your research into the costs of renting vs buying and reselling afterwards - Get crafty with friends and family to DIY some things if you can #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave

19.01.2022 Want personalised advice that grows with your family? We're here to help! What type of financial service would you like to see on our website? #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave

19.01.2022 Australia is reported as having one of the highest levels of personal debt in the world, however, a large proportion of that is good debt. What does that mean though? Good debt is seen as an investment that will grow in value or aid in wealth creation. It comes from things like HELP debt and home loans - they're low or no interest and bring value which doesn't depreciate quickly.

18.01.2022 We know we sound like a broken record but we don't want you to be paying double/tripe/quadruple fees with multiple super accounts! If you haven't already, you can use our tools to find and consolidate any lost super you have and compare the insurance covers/fees from each to make sure you're getting the best for your super.

17.01.2022 Almost everybody in the lead up to Christmas this year #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

16.01.2022 We obviously talk a lot about money here, that is our speciality after all, but not everyone has the same ideas about what it means to be wealthy. For some, they've climbed to the top of the corporate ladder, earn six figures and have a retirement fund with millions For others, they earn enough to keep a comfortable roof over their head and have savings account for their children to inherit ... And, some may be happy that they can spend Sunday lunches with their family and travel once a year Or any combination of the above. What does being 'wealthy' mean to you? #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

15.01.2022 Personlyzd is here to give you the advice you need throughout your life. As your situation changes, so should your budget, insurance, and investments, so make sure you follow along for expert tips and updates. #financialliteracy #finance #moneytips #financialtips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

11.01.2022 Purchasing life insurance can be scary enough at the best of times but it doesn't have to be. If you'd like to speak with someone, we can put you in touch with verified professionals via our sister company Verifyabl. We've also put together a mini dictionary of some key terms you'll come across when choosing your life insurance policy Policyholder: The policyholder owns the policy and pays the premium but is not necessarily the person being assured. Premium: The premium... is what you pay to keep your insurance policy active and your coverage secured. Sum Assured: The sum assured is the amount paid to the beneficiary of the life insurance policy. Death Benefit: The death benefit is similar to the sum assured and may be equal to or more than it, depending on any additional benefits added to your policy. See more

10.01.2022 Want to hear a money saving tip which is also good for the environment?? Of course you do! Making meals at home isn't groundbreaking advice when it comes to budgeting, but have you ever thought of the other impacts it can have? It can mean less food waste since it's easy to store leftovers, there won't be any wasted plastic from single-use takeaway containers, and you're able to purchase your own ingredients and know where they've come from. #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks #sustainableeating

10.01.2022 Take a moment to reflect on how you've gone this week, whether it's with your finances, fitness, or just life in general. #financialliteracy #finance #moneytips #financialtips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

10.01.2022 Purchasing Home and Contents Insurance? Here are a few important terms you should know! Home: This is your home itself PLUS any fixed items including patios and verandas, garages, swimming pools, in-built appliances, and wall paint. Contents: Includes any unfixed household goods, valuables, and personal effects. These are things like TVs, furniture, laptops, and even your pot plants. Certificate of Insurance: An important document that your insurer will give you for each period of insurance to outline the exact cover you have chosen. Event: Events mean accidental loss or damage, fire, theft or attempted theft, malicious damage, or storm damage. They must happen during your period of cover and be unforeseen and unintended by you.

10.01.2022 A self-managed super fund (SMSF) is a private super fund which you manage yourself. You're able to choose where you invest and what your insurance is, but as appealing as that might sound, it's a lot of work and should only be done by those who completely understand what they're getting into. What are some of the risks? You're liable for all of the fund's decisions even if you get guidance from a professional If any theft or fraud occurs, you won't be protected by the Sup...erannuation Complaints Tribunal You're responsible for managing the fund even if your situation changes You need the time to research and implement a sound investment strategy, conduct account and record-keeping, and arrange a yearly audit #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

09.01.2022 We took some external notes for this one and listened to the my millennial money podcast about creating a positive money mindset! Our key takeaways are below but we'd also love to hear your own tips for positivity 1. "Spend, save, give - find that balance": We've all got different values when it comes to these three money actions, so it's up to us individually to come up with a balance that helps us feel good (and keep in mind that it'll likely change over time). 2. "Talk about money": Money needn't be a taboo topic, talking about it with friends and family can help lift any burdens you may carry and help your knowledge grow. 3. "Be a champion of other's success": Instead of comparing your 'shortcomings' with other people's successes, try celebrating them and keep in mind that your turn will come.

07.01.2022 We talk a lot about super, so here are a few important terms you should know! Superannuation Guarantee: Also known as SG, this is a legal obligation that requires employers to pay a minimum percentage into their employees’ super accounts. Exit Fee: The fee you get charged to close your super fund. Switching Fee: The fee you get charged to switch your super policy to a different fund. Switching Fee: The fee you get charged to switch your super policy to a different fund.... Concessional Contributions: Also called before-tax contributions, the funds that go into your super account from your before-tax income. Includes SG payments from employers. Contribution Cap: This is the total amount that can be contributed to your super account each year. There is a separate cap for before-tax and after-tax contributions. See more

07.01.2022 You’ve all seen the ads about industry super funds. You know, the ones with people holding their hands in front of them making a square shape? That’s it! But, you may be wondering what other types of super funds are available, so here’s a list for you with a few notes which you can save for future reference! Retail super funds Usually run by banks or investment companies Anyone can join... Often have a wide range of investment options Generally range from low to medium cost May be recommended by financial advisors who are being paid commissions Whoever owns the fund aims to make a profit Industry super funds Anyone can join the bigger funds but some smaller funds may only be open to people from a certain industry Most are accumulation funds Generally range from low to medium cost Not-for-profit funds, so profits go back into the fund Public sector super funds For government employees Usually have a modest range of investment options Newer members are usually in an accumulation fund but many long-term members have defined benefits Generally have low fees Profits go back into the fund Corporate super funds Arranged by an employer for their employees Some are operated under a board of trustees and others are operated by a retail or industry fund but are only available to that company's employees May offer a wide range of investment options depending on size Some have defined member benefits and others are accumulation funds Generally low to medium costs for large funds but for small ones they may be high cost Usually return all profits to members Self-managed super funds We’ll be doing a post about these separately as it’s a large topic and they require a lot of work and knowledge to do well #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

04.01.2022 It's leading up to Christmas and for many, this time of year causes a lot of panic but it doesn't have to be the case! Here are our top tips for keeping control of your spending this holiday season Start early and keep an eye out for specials Try some DIY gifts, like recipe jars, homemade soaps, or a succulent from your garden List out your proposed spending for December/January to make sure it's within your means... Share the cooking with friends and family by asking everyone to bring a plate #financialliteracy #finance #moneytips #financialtips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

03.01.2022 Any time you talk to a money guru or read a financial self-help book, they will always talk about using a budget in some form or another. This can turn some people off straight away because you think, "ugh I HATE spreadsheets" or "I don't want to track every single cent" and that's ok! There are so many styles of budgeting to suit your needs and the time available. 1. The Traditional We'll start here to get it out of the way. This method involves tracking every dollar you pur...chase against every dollar you make to ensure your outgoings are, hopefully, less than your incomings. Anything left over goes into savings or on a splurge if you'd like. 2. The Bucket From The Barefoot Investor himself, this method is about spreading your income between three main buckets: blow (your spending), grow (your long-term investing) and mojo (your emergency savings). He suggests 70% of your income should go into blow, 20% into mojo, and 10% into grow but you can adjust these based on your own circumstances and goals. 3. The Skater This method is no budget at all. We highly recommend you don't use a credit card if you're this type of budgeter because that's when things get out of hand. Otherwise, just keep an eye on your account balance and make sure you've got enough left for bills. 4. The Saver This method is all about putting your savings first and your spending second. It means you're putting a certain amount into your savings every pay and then using what's left for your expenses. 5. The Envelope Very similar to the Bucket method, every dollar you earn is given a purpose. You may have an envelope for groceries, fuel, rent, etc. and you can't spend more than what's in it each pay. So, which of these budgeting methods do you fit into? #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave #ozdebtfreecommunity #barefootinvestor #personalfinance #savingmoney #moneysavingtips #moneyhacks

01.01.2022 You've been asking for it, so here we go - our top 5 budgeting tips! 1. Let an app do the work for you There are several good apps available (like Pocketbook) which connect with your bank account and automatically track your spending so you can clearly see where it's going. 2. Loop in a friend ... Like everything, having someone to hold you accountable often makes it more likely that you'll succeed. Choose someone who you're comfortable talking about your budget with and who you know will actually keep you in line and not encourage bad habits. 3. Make realistic goals As much as it'd be nice to say "I won't buy takeaway at all this month", how realistic is it? Making goals that you're unlikely to hit is just setting yourself up for failure and can encourage you to give up because it feels too difficult. 4. Get your money making money Do some research into high-interest saving accounts to make sure your money is always earning as much interest as possible. 5. Keep it simple You don't need huge, detailed spreadsheets to keep track of every single dollar you spend. The best budgets are simplified to only include your key priorities and expenses. That way you can easily see what's available to spend and what isn't.

01.01.2022 As we go through life, both our family and our wealth grows and there comes a time when having a will is incredibly important. Here are some key terms you'll come across when researching and preparing a will: Bequest: A bequest is when you gift personal property or money in your will. Executor: This this the person or institution who have been appointed to administer the deceased estate. Beneficiary: This is the person/s who will receive assets from the deceased person.... Guardian: This is the person you appoint to be legally responsible for any of your children who are under 18. #financialliteracy #finance #moneytips #personlyzdadvice #superadvice #financialadvice #lifeinsurance #lifeinsurancematters #compareandsave