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Declutter your life this Autumn

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Written by Alison Gallagher Friday, 29 April 2016 14:17

It finally feels like Autumn has arrived. The days are getting shorter and fresh and cooler weather is definitely here. It is a welcome relief to those who prefer the cool temperatures, but who doesn't feel a touch of sadness as the warmer weather retreats? Most of us spend more time indoors as the weather cools down. The sun has set by the time most of us leave work or get home in the evenings and wet weather will keep us at home on the weekends. In many cultures around the world Autumn is a time for contemplation and release. As the trees shed their leaves and bunker down, we too can shed what we no longer need (and preserve what we do) to prepare us for the colder winter months ahead. Here are a few simple ways to make space for the changes approaching

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Protect your Pension - Prepare for Changes in 2017

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Written by Alison Gallagher Friday, 22 April 2016 08:16

Love it or hate it, retirement is something all of us will have to face eventually. For those approaching retirement, it can be a time brimming with excitement and relief, teamed with some anxiety about having enough funds to last you the rest of your life, and uncertainty about how you will spend such a large volume of spare time. But finally hanging up your hat means you will have the time to travel, sleep in, garden, take up the hobby tools or read all those books you’ve been wanting to dive into. If retirement is close for you, hopefully you’ve already reduced your debts and budgeted for a slight change of lifestyle and reduced income. However, due to approaching changes to the age pension announced by the Federal Government this year, you might want to be prepared for changes due to roll out on January 1 2017

don't sacrifice your retirement plans
Don't Sacrifice your Retirement Dreams

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Buying your first home - Credit History Explained and Saving for a Deposit

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Written by Alison Gallagher Friday, 08 April 2016 16:47

Buying a your first home is an exciting investment, but it can also be a bit daunting!  Here are some simple tips to help you stay on track and avoid having a home loan application rejected.  Before you even begin entertaining the idea of purchasing a property, you will need to have a good credit history. If you haven't borrowed money before, don’t worry it’s not a prerequisite, there are other ways for a financial intituion to assess your financial reliability.  

begin the dream of owning your own home
Home is where the heart is!

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Fall in Love with Yourself and Overcome Debt

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Written by Alison Gallagher Friday, 01 April 2016 10:54

In this modern age it is easy to feel we don’t have enough. We are bombarded with a constant stream of advertising telling us which material possessions are essential for our comfort, wellbeing and convenience. We keep buying things hoping to quieten the voice telling us we don’t have enough, but ironically there will always be something else we don’t have that we’d like, so the feeling never goes away. Until we change our mindset and our attitude that is. Debt is the same. Until we change our attitude about money and material possessions we always be chasing more purchases and in turn spending our money, and for many of us that means increasing our debt.

Love is all you need...

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How to have an Economical and Ethical Easter

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Written by Alison Gallagher Thursday, 24 March 2016 13:25

Don't buy into the sugar soaked consumer hype this Easter.  Make conscious choices about your choccies and save some pennies too! shop ethically this easter

Buy Fair Trade Chocolate
Suddenly my cute bunny doesn't taste so sweet.... Did you know much of the cocoa production in the world involves child slave labour or under paid workers? It's a shocking problem that education and conscious consumerism can help to solve. Many cocoa farmers are paid poorly for their yeilds and struggle to cover production costs. By pledging to only purchase fair trade chocolate this easter you can be assured you aren't supporting this unethical treatment of farmers and their workers. Fairtrade International guarantees farmers a minimum price for cocoa, even when global prices fall, which ensures the farmers always have a stable income and protects them from economic downturns allowing farmers to pay adult workers and avoid the exploitation of child workers.

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Protect Yourself Online

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Written by Alison Gallagher Friday, 18 March 2016 20:19

It's one of the most convenient things about modern day life.  Doing the supermarket shopping from your lounge room, speaking to loved ones on the other side of the world via Skype, earning qualifications through an online course, or broadcasting your emotions, photos and inspirations through social media, the internet has changed the face of the world.  But it has opened up a growing and lucrative industry, with Virtual Villains and Cyber Criminal looking for victims to pounce on.  These Slimy Scammers are always changing their strategies and techniques to scam consumers and they are becoming more sophisticated in the techniques they use to commit fraud.  Being educated is the key to avoid becoming a victim. Being aware of scams, as well as learning how to recognise scamming methods will help you stay one step ahead of the scamming scum.

Keep your online payments safe and secure

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