10 things to cut from your budget

coffee-cup-cut-budget

The beauty of budgeting is that it helps you realise when you’re making ridiculous impulse purchases at IKEA again, but what a lot of Australians don’t realise is that a bundle of that extra money you could be saving each month is disguised as ‘essential purchases’ in your budget.

Here are 10 ways to trim the fat from your budget this year and save a bucket load.

Continue reading “10 things to cut from your budget”

5 ways the new Budget could affect you

Last night liberal treasurer Scott Morrison handed down the 2017/18 Budget. As Commonwealth Budgets go — and I’ve sat through my fair share over the past twenty years — it was remarkably uncontroversial, with many of the key initiatives being widely telegraphed in the weeks leading up to budget night.

We’ve combed through the papers and pulled the top 5 Budget announcements that we think our clients should know about.

Continue reading “5 ways the new Budget could affect you”

Meet Zhoe: The 25-year-old investor, adulting like a pro

At the young age of 25, Zhoe is adulting harder than most.

She works as a marketing manager (a job she loves), has clear life goals and her finances sorted. Like, really sorted. Zhoe saves 20% of her take-home pay, which is more than double what most Aussies save.

Zhoe started investing with Clover four months ago, and hasn’t missed a monthly deposit. We wanted to know the secret behind her approach to money.

Continue reading “Meet Zhoe: The 25-year-old investor, adulting like a pro”

No risk, no reward: the truth about high interest savings accounts

Remember the first time you received interest from your savings account? Whether it’s $100 or just 10 cents, it’s a magical feeling seeing “free” money appear in your account. But feelings can be deceptive, and if you think you’re earning significant money from a high interest savings account, you should look closer.

Continue reading “No risk, no reward: the truth about high interest savings accounts”

The Clover.com.au Holiday Reading Guide

Another year is drawing to a close. You’ve met some insane project deadlines, juggled a hectic working life with an equally hectic social life, and maybe burned the candle at both ends.

With the holidays close by, hopefully you’re finding ways to slow down. What better way to relax than with a great read, preferably under dappled sunlight. In today’s non-stop, round-the-clock existence, reading for pleasure is an indulgence.

Continue reading “The Clover.com.au Holiday Reading Guide”

How a New Year’s Resolution completely changed the way I think about money

I never liked New Year’s resolutions. As a free-spirit, the idea of committing to one single goal for an entire year is NOT exciting. By mid-February, I’m usually bored, out of willpower, and looking for another adventure.

But twelve one-month long experimental resolutions? Now there’s an idea…

Continue reading “How a New Year’s Resolution completely changed the way I think about money”