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.




Pension advance payments

Pension advance payments

Pension advance payments

A pension advance payment could help Tracy deal with a couple of unexpected bills.

Top Stories

  1. Paying extra can boost super
  1. Make the most of your income stream
  1. Punished by postcode?
  1. How much income will I have?
  1. Dealing with debt collectors

Australian pensioners living in poverty

Pensioner living in poverty with only bread to eat

Australian pensioners living in poverty

Australian pensioners don’t have enough money to live on.

How to be richer this time next year

Person holding multiple 100 dollar notes

How to be richer this time next year

These seven tips should see you be richer in a years’ time.

Difficulties paying utility bills

Stressed couple having evaluating their utility bills

Difficulties paying utility bills

What can you do if you’re experiencing utility bill payment difficulties?

Discussing money matters

Discussing money matters

Discussing money matters

These tips will help you to broach the difficult topic of money.

Age Pension no guarantee

Age Pension no guarantee

Age Pension no guarantee

Scott Morrison has outlined the government’s vision for a new retirement income system.

Seven money saving life hacks

Seven money saving life hacks

Seven money saving life hacks

This video explains seven simple life hacks that will save you money



Are super changes fair?

There are two competing superannuation proposals on the election platform.

Will you lose out?

RBA tipped to cut interest rates

The Reserve Bank of Australia is tipped to cut the cash rate to a record low next week.

Will you be worse off?

Super contributions explained

Our simple guide explains the different super contributions you can make.

Which contribution works best

Banking & Investment

Banks profit from rate cut delay

Banks stand to pocket around $21 million dollars by withholding rate cuts.

Greedy, banks

Five money saving websites

Planning a large purchase, overseas travel or downsizing your house?

These websites could help

Adding microcaps to your SMSF

Microcaps might be an interesting asset class for those wishing to diversify their portfolio.

Is this for you?

Credit Cards

Are you wasting money on interest?

$3.5 billion was wasted on high-interest rate credit cards last year.

Control your interest

Will new rules cost us more?

New guidelines on credit card surcharges will be announced this week.

Will you pay more?

When is a liability an asset?

When is a liability assessed as an asset?

Will it be assessed?


Fairness and the family home

Simon Cowan explains why the family home should be assessed.

A fair suggestion?

Asset-rich but living in poverty

Around 1.2 million asset-rich older Australians are living in poverty.

Riches and rags

Stamp duty concessions

If you’re planning to downsize, will you get a stamp duty concession on your new home?

How much can I save?


Win a VIP experience for four

Apia is giving you the chance to win a VIP rock’n’roll experience.

Good times rock

Affordable health insurance

If you're looking for health cover which is not only affordable but tailored to the over 50s, then you may find Apia health insurance rewarding.

Save your money and your health

Health insurance premiums on the rise

From 1 April 2016, private health insurance premiums will rise

Can you save?

Legal & General

Dementia and managing money matters

Managing money and finances for someone with dementia is fraught with legal issues.

Plan ahead

Who will be my executor?

Being an executor is not a task for the faint-hearted. So, how do you choose the right person to manage your affairs?

How to choose the right person

Discussing money matters

These tips will help you to broach the difficult topic of money.

Money talks

Mortgage & Home Loans

Refinance your mortgage

Interested in finding out how your current mortgage stacks up against those on the market?

Mortgage comparison

Reduce your mortgage by 10 years

It’s easier than you think to knock years off your home loan.

Shave and save

Will you get a mortgage over 50?

You may find that getting a mortgage over the age of 50 isn’t so easy.

Mortgage woes

Seniors Finance

Microwave versus stovetop

Could you be saving money by using your microwave more often?

Which saves you more?

How you can save whilst renting

Even whilst renting, there are nifty ways you can save. Here are nine of them.

Rent and save

Five everyday tips to save money

These small changes can make much difference to how much you save.

Simple reminders

Finance News

Are low interest deals the best?

There are some great car finance deals around but the devil is in the detail.

Get the deal that’s right for you

Should you have to pay to pay?

Is it right to charge people to receive paper copies of bills?

Unfair charges

Super rich own half the world’s wealth

The richest 1 per cent, or 62 people, have more wealth than the rest of the world combined.

Is this fair?


How to make clothes last longer

Taking proper care of your clothes will have you looking fresher for longer and will save you money too.

Care for your clothes

Are low interest deals the best?

There are some great car finance deals around but the devil is in the detail.

Get the deal that’s right for you

5 refinancing mistakes to avoid

There are pitfalls to be avoided when refinancing.

Don’t get caught out

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The ten worst retirement planning mistakes

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

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.

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.

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.

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.