Getting your tax refund back is exciting, but as tempting as it is to splurge, consider other ways you can put that money to good use. It is easy to get caught…

Financial ratios are useful tools for business owners to monitor, analyse and improve their business performance. By using ratio analysis methods, you can gain insight into a company’s liquidity, efficiency and profitability…

When it comes to investing your money, there is the possibility that it may not perform as well as expected with you losing some or all of the original investment. While no…

Debt consolidation loans are a financial solution that may be suitable when you have multiple debts at once and are struggling to manage them all. Debt consolidation is the process of bringing…

Having a healthy supply of cash is vital for the survival of small businesses, as it is required to operate and enables you to pay workers, rent and other expenses. Unpaid invoices…

Borrowing money to invest, also known as ‘gearing’, can be a risky business. While it can increase your returns when markets rise, losses can be extreme when markets fall. It is important…

There are a number of options when it comes to choosing an income investment scheme. Investments that generate regular income can be useful in a number of various situations, such as funding…

If you are in a position to invest, it can be a great venture to help grow your wealth as well as provide opportunities for others through your contributions. Before investing though,…

Personal loans have become a fast-growing financing option for consumers, with payday apps and websites gaining popularity. For aid between paychecks, payday loans can be very helpful for the pay cycle lull.…

Businesses need to access finance with ease in order to sustain and develop themselves. Is your current bank still cutting it? Here are some indicators and tips to effectively assess your business’…

People and internal processesArguably one of the best forms of investment is in the employees you hire, and the talent, experiences and skills that come with them. Take the time to reflect…

Allowing late invoice payments can set a harmful precedent for your business. Keep your cash-flow steady and avoid wasting time chasing up invoices by following these tips. Have a written agreement of…

Cash flow can be an issue for small businesses, especially if you have peak and low periods. Follow these tips to improve your cash flow and avoid running into a tight financial…

Christmas is a great time to reward your employees but the celebrations you plan do not have to break your bank. You can have a frugal and fun Christmas at your office…

Credit cards are useful financial tools that can help you manage cash flow but can run you into debt if you are not careful. Before you swipe your first credit card consider…

Marketing is necessary to increasing your customer traffic and boosting your bottom line but comes at a significant cost. You can reduce your marketing expenses without decreasing the quality of your marketing…

Going green at your office will reduce your environmental footprint and save you money in the process. Follow these tips for eco-friendly policies that will benefit your business’ bottom line. Reduce utility…

Printing is vital to running your office but may incur significant costs. Save money around your office by following these tips on managing your printing supplies. Manage your ink and toner useInk…

The expenses of running your office and paying for rent add up to a significant cost to your business. There are several key ways you should consider to reduce costs, without sacrificing…

Recruiting new staff can be costly and time-consuming. In the long run, using an external recruiting service will keep your team on task and streamline your hiring process. Advantages of an external…

For those who use a vehicle to commute, fuel is an expense that adds up. To save on the costs consider the following tips: Change the way you driveSuddenly braking, taking multiple…

Debt management is key to staying on top of your finances. Avoiding debt by paying your bills on time and budgeting wisely is the best approach but if you slip into the…

When it comes to saving money on anything from home loan interest rates to new appliances for your house, haggling is critical. Master some of the haggling skills below to reap some…

Office supplies may seem like insignificant purchases, but like anything, the costs add up. It makes sense to save on what you can in your business. Consider some of these smart tips…

In Australia, we are lucky enough to have student loan programs to cater to the broad demographic of people who want to progress their careers or knowledge through tertiary studies. What is…

A credit card can be a useful way to pay for the things you want in life. But if you do not keep track of your credit balance, you may find your…

Working capital is the money needed for day-to-day business operations and is often a measure of a business’s liquidity, efficiency and financial health. To ensure your business has adequate working capital, the…

Before launching your investment portfolio, it is important to be aware of the strategies you can adapt to manage the risks involved in achieving your investment goals. Here are some basics to…

It is important for business owners to be consistent when chasing debtors to recover debts in a timely manner. By doing so, they will be able to maintain stable customer relationships while…

Buying a house is a great accomplishment; you gain a place to call home where you can create a life full of memories in. It is important to develop a plan for…

Sometimes the best way a small business can improve their bottom-line is by merely scraping their under-performing products or services. Refusing to let go of stagnant products will put your business at…

Each time you use internet banking to transfer money to family or friends, pay your bills, or check your account activity, consider these handy tips to help keep your savings secure. Check…

When applying for a personal loan, it is essential to do everything feasible to improve your probability of getting approved. Receiving just one knockback for a loan will be recorded on your…

When you run your own business, it can be hard to step back and look at the big picture. Failing to do so, however, not only harms your business; it can also…

Falling for a phishing scam is often easy. You receive an email or a text message from your bank asking you to click on a link and verify your account details for…

Managing cash flow is the golden rule for most small business success. Too many small businesses fail due to poor cash flow management. To avoid getting your business into trouble, consider the…

When the winter season commences, you might notice a spike in your bills. Although, it is no surprise that additional heating and hot water adds up, you may be surprised at how…

While preparing for a time when you are gone can be morbid, sorting out your financial matters now will help to protect your loved ones later on. Take a look at these…

Whether it is saving for a new car, a house deposit or a holiday; we all have spending habits that can derail us from achieving our financial goals. But luckily, most of…

When shopping around for a personal loan, it is wise to be conscious of any potential scammers that may try and offer you a deal that sounds too good to be true.…

Starting a new business is a big commitment. There are many financial factors a first-time entrepreneur must consider if they are aiming to create a long-term business. Check your personal credit score…

Our spending habits play a fundamental role in determining how well we can save our money. If you wish to save more efficiently, it is important to recognise a bad spending habit…

With more and more people opting away from traditional 9-5 jobs, the appeal of joining the gig economy is at an all-time high. However, for many people, forgoing their full-time job is…

A personal loan can come in handy if you need some extra cash to fund a purchase, but it may not always be your best option. Before you sign away, you will…

Having control over your business expenses is an essential part of running a successful small business. Fortunately, controlling your expenses does not have to be hard work. Consider the following ways to…

Bitcoin experienced its worst first quarter in history in 2018, falling from $13,412.44 to $6,928.85 in the three months to 31 March. Bitcoin, among other cryptocurrencies, are slowing down with market values…

When business is struggling, one of the first places business owners look to cut costs is in their marketing efforts. Although many do not view marketing as an essential element, it can…

Most people, at some stage or another, will need to save money. Whether it is for a large purchase such as a house deposit or money for a rainy day, similar savings…

It is more than likely at some stage of your life you will encounter a pushy salesperson attempting to close a sale. And although you may feel rude to decline, it is…

Starting a business with little to no personal capital will be challenging, but it is not impossible. Luckily, if you think creatively, there are a number of ways you can start your…