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Money can be an incredible motivator but it can also mean different things to different people.
These differences can influence how we save, spend and invest.
We all know deep down that money isnít the most important thing in the world, but it certainly can make life less stressful. Many of us we secretly believe that if we won the lottery or had some great increase in our bank accounts that it would somehow make us happier.
What is your procrastination really costing you?
Procrastination can cause missed deadlines, missed opportunities, and just plain missing out. Your financial security is no exception.
Start of the year is the time for resolutions so why not make some changes for your financial benefit?
Whether you want that epic holiday, a new car, grow your super, or buy your very first home, you're more likely to achieve your goals if you have a plan.
Step one is to sort out your debts ñ if you have any.
The old saying goes, ëif you fail to plan, you plan to fail.í
Increase the odds of achieving your goals ñ including financial ones - by writing them down.
A study in the Journal of Consumer Affairs in 2011 found that simply using a retirement calculator increased someoneís likelihood of saving. And that is just the tip of the iceberg.
Sure, part of this process is putting together a budget ñ which doesnít sound like much fun. But doesnít it sound like more fun to go on a holiday and come home without worrying about credit card bills and debt?
Ensuring you have enough money for your future is something on the minds of many Australians.
There are different ways to grow your super, from salary sacrifice, to co-contributions, to simply ensuring your super is consolidated into a single low cost, high performing fund.
Your super is designed to grow with you over time, so making the most of it is important.
There are some simple strategies to help you retire more comfortably.
Figuring out how much you need to retire needs honest answers to a few questions and then it takes a bit of planning.
A good starting point is to have an idea of what sort of lifestyle you would like in retirement.
The Association of Superannuation Funds of Australiaís (ASFA) Retirement Standard has researched some benchmark annual budgets that might give you some idea of what you could need for a ëcomfortableí or ëmodestí retirement lifestyle.