Hub Financial Advice

16/05/2024

https://mailchi.mp/5d957642d421/federal-budget-analysis-2024-25

Treasurer Jim Chalmers has high hopes that his 2024 Federal Budget will rein in inflation earlier than expected, ease cost-of-living pressures and build a stronger economy in the future.

31/05/2021

Where are you?

The first step is probably to assess where you are right now. That means working out your income and your expenses.

There are many ways to monitor your spending including online apps and the good old-fashioned pen-and-paper method.

Make sure you capture all your expenditure as some can be hidden these days with buy now pay later, credit card and online shopping purchases.

The next step is to organise your expenditure in order of necessity. At the top of the list would be housing, then utilities, transport, food, health and education. After that, you move on to those discretionary items such as clothes, hairdressing and entertainment.

Work through the list determining what you can keep, what you can discard and what you can adapt to your changed needs. Remember, if it doesn’t spark joy then you should probably get rid of it.

Want to know more? https://www.hubfinancial.com.au/blog-1

Book in with an adviser today : https://www.hubfinancial.com.au/appointment-bookings

28/05/2021

Sort through your insurances

Another area to check is insurance. While insurance, whether in or out of super, may not spark much joy, you will be over the moon should you ever need to make a claim and have the right cover in place.

When it comes to insurance, make sure your cover reflects your life stage. For instance, if you have recently bought a home or had a child, you may need to increase your life insurance cover to protect your family. Or if your mortgage is paid off and the kids have left home, you might decide to reduce your cover.

Is it time to review your insurances? Book in to see us today : https://www.hubfinancial.com.au/appointment-bookings

Read more here : https://www.hubfinancial.com.au/blog-1

26/05/2021

Why not give your finances a shake out?

Like trees losing their leaves in autumn, why not take a leaf out of their book and choose this time of year to shed some of your own financial baggage.

In the style of Marie Kondo, the Japanese organising whizz who has inspired millions to clean out their cupboards, decluttering your finances can bring many benefits.

While you work through all your contracts, investments and commitments, you will no doubt discover many that no longer fit your lifestyle or are simply costing you in unnecessary fees.

And if that is the case, then it is likely that such commitments will not be sparking any joy. And joy is the key criteria Kondo uses to determine whether you hold on to something or let it go.

So how does decluttering work with your finances and where do you start?

Book an appointment with us here: https://www.hubfinancial.com.au/appointment-bookings

Read more on our blog here : https://www.hubfinancial.com.au/post/give-your-finances-a-shake-out

23/05/2021

So proud of the team at Hub and even prouder when they get special recognition from clients for their commitment to an amazing industry. Always going above and beyond. Congratulations! 💐

27/01/2021

After a year of uncertainty about the economy, not to mention unexpected social isolation, people are rethinking their personal and financial priorities. During difficult times such as these, having a sound budget based on your financial priorities will help you continue to work towards your long-term goals, no matter what life throws at you. Head on over to our website (link is in our bio) to read our new blog post and don’t hesitate to give us a call if you’d like to discuss your situation and set a plan in place.

21/01/2021

Thank you for everything, Bruce! We appreciate all of your reviews and feedback.

20/01/2021

When deciding on your own financial path, there are a few things that you need to consider, such as your preferred lifestyle, your stage of life, your goals, and so much more. Head on over to our website to read our next blog post where we talk all about figuring out your own path.

19/01/2021

Thank you for your kind words, Serene! Click the link in our bio to book a meeting with our Director, Chris, or one of the other advisers in our office. We look forward to meeting you!

19/01/2021

Happy New Year! We hope you have all enjoyed your first few weeks of 2021. Head on over to our website to read our new blog, ‘Lessons from 2020’. Our Admin team have returned from holidays and are back in the office full time to answer any questions you may have, so don’t hesitate to give us a call on (07) 3821 4900.