PAYG Instalments, something that alot of our clients get confused about. Pay as you go instalments (PAYG) get issued by the ATO, and you get sent a welcome or adjusted letter. But do you understand it? Shaun Farrugia explains all you need…

Single Touch Payroll or STP is a new system whereby all employers are required to submit payroll data to the ATO on the same day that they pay their employees.

We have had a few phone calls regarding some scam phone calls from some very dodgy people claiming to be the ATO. It's important that you know what to do, and you don't fall into their trap. So, someone is calling you claiming to be the…

Shaun Farrugia recently created this video to explain a question that was on a few of our clients lips. Watch below to hear the difference between an offset and a redraw account on your home loan. This is a question we do get very often,…

Significant changes have been made to Australia’s credit reporting rules after a new Comprehensive Credit Reporting regime (CCR) came into effect in the new financial year. This means now is as good a time as ever to perform a credit check. The…

It’s a morbid thought that many of us tend to shy away from, but end-of-life financial planning is a crucial stage in any successful financial management plan. One day down the track you’ll no longer be around to use or take care…

There are two kinds of debt in this world: the kind that is tax deductible and the kind that isn’t. Knowing the difference, and planning your purchases accordingly, can significantly improve your cashflow, opportunities and overall…

You know how it goes. You see that dream property you’ve just got to have, and then next minute, the budget is in smithereens. Well, at least that’s what happens to almost a quarter of home buyers. Here’s how to keep a lid on your…

For most first home buyers, the property market can seem like a tough nut to crack. But today we’ll look at a new super scheme that makes it a whole lot easier to save for a deposit. Heard of the First Home Super Saver (FHSS) scheme? No?…

Redundancy – not something most of us like to contemplate.  Yet it is a reality for many of us in our working life.  So rather than redundancy being seen as something negative, let’s flip it around - your redundancy could be the best thing…

Over the years I’ve found that the best way for me to stay fit and engage in some regular exercise is to set myself a goal.  Last year I set myself a goal of completing a triathlon.  I’ve done quite a bit of running over recent years,…

Whether you’re keen to start monetizing a passion project, or want to finally escape office politics and run your own show, here are four issues that regularly trip up new business owners. Starting your own business is an exciting time.…

How hard is it to get started?  I’m sure we’ve all had things that either need to be done, or that we’d like to do, but we put them off – shift them to the bottom of the pile or check out our Facebook feed instead. When it comes…

Ask 10 different financial experts about the future of Bitcoin, and you’ll get 10 different answers. Here’s the good, the bad and the outright ugly. The price of a single Bitcoin has skyrocketed more than 1700% since the beginning…

You may have heard the PM drop a big hint earlier this week that tax cuts are coming for middle-income Aussie families. However it was all very light on detail, so here’s what to make of it. In case you missed it, here’s the tidbit…

Seizing an opportunity for growth, responding to threats quick-smart and keeping stakeholders happy – these are all hallmarks of good business. And they all require good cash flow management. In fact, cash flow management can make or break…