Finance

Welcome to the YOURLifeChoices Finance page, where we feature the latest money news and updates. We can help you with information on cancelling contracts, choosing the right credit card, making a will and why you might consider a Power of Attorney.

Superannuation is an important part of your retirement planning. Did you know there is hundreds of millions of lost super money just waiting to be claimed? Use the link to the lost super site to see if you have unclaimed funds.

We can also help you save your money and manage your finances better both before and after retirement and during the transition to retirement.

 

 

 

Your financial health check

Your financial health check

A simple financial health check is the first step to a successful year money-wise

Top Stories

  1. Do I need to claim a UK pension?
  1. Age Pension increases September 2014
  1. Using super to pay out mortgage
  1. Learn from your financial mistakes
  1. Second-hand car buying tips

Dealing with debt collectors

Dealing with debt collectors

This guide will help you to deal with debt collectors.

A better financial planning sector

A better financial planning sector

David Murray highlights the urgent need for a major overhaul of the financial advice sector.

No financial sector untouched

No financial sector untouched

David Murray has delivered his Financial Systems Inquiry (FSI) report.

Financial adviser register changes

Financial adviser register changes

Treasury has watered down details proposed for inclusion in a national register.

Speculate to accumulate

Speculate to accumulate

We suggest five ways where an initial outlay can save you in the longer term.

FoFA reversal cuts cost of advice

FoFA reversal cuts cost of advice

The cost of advice under the re-instated FoFA legislation will now be nearly halved.

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Superannuation

Accessing your super early

If you’re struggling with money, accessing your super may seem the ideal solution to your problems.

Experiencing financial hardship

Will more super affect my pension?

Would extra super payments be assessed by Centrelink and affect the Age Pension?

Is extra super OK?

Your financial health check

A simple financial health check is the first step to a successful year money-wise

Follow these steps

Banking & Investment

Cashing in funeral bonds

Paul is considering a funeral bond, but can he cash it in?

Can Funeral Bonds be cashed in?

How to get the best bank deal

How do you get the best bank deal?

Do you have the best deal?

Will switching save you money?

Many people assume switching to a lender with a better rate will automatically save them money but this isn’t always the case. Using an online calculator will soon let you know if there are real savings to be made. Moneysmart.gov.au has an online ‘mortgage switching calculator’ which will, ...

Will you save?

Credit Cards

Banish Christmas credit card woes

Here are five tips to save you from a New Year credit hangover.

Do you have a canny tip?

Christmas credit card safety

It’s often easy to miss fraudulent transactions on your credit cards over the festive period.

Top 10 safety tips

Common credit mistakes

How to protect your credit rating when living on a fixed income.

Is your credit in good shape?

Property

Spruce up your home for less

A few simple tasks can have your home looking like a million dollars in no time.

Increase your home’s value

Using super to pay out mortgage

Could Jenny use her super to pay out her mortgage and still get an Age Pension?

A valid option?

How much will be exempt?

Will downsizing be a blessing in disguise for Graham?

Centrelink explains

Insurance

Are you storm ready?

How prepared are you for dealing with wild summer weather?

Are you prepared?

Quick guide to life insurance

Follow our easy to read guide on life insurance.

Cover yourself

Comparing pet insurance

Pet insurance is now big business, but which policy should you choose?

The cost of caring for Fido

Legal & General

Dealing with debt collectors

This guide will help you to deal with debt collectors.

Dealing with debt

Managing inheritance expectations

A few common-sense steps could make for a harmonious distribution of your wealth

What to consider when making a will

Are living wills binding?

Maeve is having trouble getting her family to appreciate her wishes should she fall seriously ill.

Should I make a living will?

Mortgage & Home Loans

Can I claim rental assistance?

Gwenda is horrified at that rate at which the debt of her reverse mortgage is accruing.

Can I get financial assistance?

How to get the best bank deal

How do you get the best bank deal?

Do you have the best deal?

Will switching save you money?

Many people assume switching to a lender with a better rate will automatically save them money but this isn’t always the case. Using an online calculator will soon let you know if there are real savings to be made. Moneysmart.gov.au has an online ‘mortgage switching calculator’ which will, ...

Will you save?

Seniors Finance

Will more super affect my pension?

Would extra super payments be assessed by Centrelink and affect the Age Pension?

Is extra super OK?

Your financial health check

A simple financial health check is the first step to a successful year money-wise

Follow these steps

Cashing in funeral bonds

Paul is considering a funeral bond, but can he cash it in?

Can Funeral Bonds be cashed in?

Finance News

Five costly money mistakes

We suggest five financial faux pas you should rectify as soon as possible.

Don’t get caught out

Managing inheritance expectations

A few common-sense steps could make for a harmonious distribution of your wealth

What to consider when making a will

Spruce up your home for less

A few simple tasks can have your home looking like a million dollars in no time.

Increase your home’s value

News

Accessing your super early

If you’re struggling with money, accessing your super may seem the ideal solution to your problems.

Experiencing financial hardship

Banish Christmas credit card woes

Here are five tips to save you from a New Year credit hangover.

Do you have a canny tip?

Five costly money mistakes

We suggest five financial faux pas you should rectify as soon as possible.

Don’t get caught out

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The ten worst retirement planning mistakes

The ten worst retirement planning mistakes

Paul Clitheroe reviews the ten biggest retirement planning mistakes – and why you need to avoid them.

Learn from others mistakes

Low income energy rebate increase

Low income energy rebate increase

From 1 July 2011, the Low Income Household Rebate replaced the Energy rebate, and is paid at the rate of $200 per annum.

Are you eligible?

Save your superannuation

Save your superannuation

Australians on average having four super accounts, this can be a large proportion of your retirement income. Now is the time to consider consolidating your superannuation.

Save on fees

Money milestones

Money milestones

Managing your money doesn’t get any easier as you get older, but there are certain money milestones of which you can take advantage.

Money milestones

What to ask a financial adviser

What to ask a financial adviser

Starting on the right foot with a financial advisor can help ensure you get the most from your meeting. YOURLifeChoices has 50 useful questions you may wish to ask.

50 useful questions