Colder temperatures and shorter days can bring a sense of gloom and lethargy. Many people experience a dip in their mood or find the winter season particularly challenging, mentally. If you’re struggling to beat the winter blues and keep your mental health in check, here are 7 effective tips to help you maintain a positive mindset throughout the colder, winter months.

Managing money is an essential skill that can determine the quality of our lives. And, while not everyone agrees on the best ways to earn, save, and spend money, there are a few key practices that can lead to financial stability. One of these is the practice of saving money. Whether you’re building an emergency fund, saving for a dream holiday, or investing in your future, here are 5 money quotes to inspire you to save, as well as the meanings behind them.

Home ownership for Australians has long been considered a key milestone in life, and it plays an important role when it comes to boosting retirement income too. Homeowners considering downsizing to a smaller home in their retirement years, could give their Super a last-minute boost by adding up to $300,000 tax-free from the sale of a property. Find out more about Downsizer Contributions, the eligibility criteria, and how pension entitlements could be impacted.

The rising cost of living has hit Aussies hard, with higher prices at the supermarket, petrol pump and utility bills stretching already tight budgets to breaking point. Keeping up with price rises is challenging when your income doesn’t move in the same direction, and thousands of Aussies are potentially at risk of financial hardship. While you can’t control changing global economies, there are some ways you can help to cut back and save money. Here are 4 tips to help you manage the rising cost of living.

Tax time provides the ideal opportunity to review your financial situation and check in on your private health insurance. It’s helpful to know how your private health insurance can potentially impact you at the end of a financial year. Two key things to be aware of at tax time are Medicare Levy Surcharge and Lifetime Health Cover Loading. Here’s how these could impact you and what you can do about it.

Navigating the world of finance and mortgages can be intimidating, filled with jargon, terms and acronyms that seem like a foreign language. But in today’s rapidly evolving economic landscape, understanding financial and mortgage jargon is more important than ever. Whether you're a seasoned investor, a first home buyer, or someone looking to make sense of personal finance, here’s some help demystifying the terminology that can leave you feeling overwhelmed.

How Australians live together is changing, as social and demographic factors have led to many more people living in households with more than one generation of adults. Called “The Sandwich Generation”, this group of people face considerable financial and mental strain, “sandwiched” between the challenges of raising their own children or grandchildren while caring for ageing parents. If you find yourself in this situation, here are some tips that could help.

Credit scores are an indicator of how you manage your money and repay your debt, based on personal and financial information kept in your credit record. When you apply for credit or a loan, lenders use credit scores to determine whether to approve your application or to lend you money. Knowing your credit score can help you negotiate better credit deals or understand why a credit application may have been declined. If you’re unsure what your credit score is, or how to access your credit report, here’s a helpful guide.

Australians already struggling with a rising cost of living are bracing for more pain, as many homeowners will see ultra-low fixed rate mortgages expire in 2023. Thousands of home loans taken out in mid-2020 are due to roll over before the end of the year at much higher interest rates, with some homeowners facing repayments that could soar by up to 65 per cent. Get budget-ready for a fixed interest rate roll over and avoid paying “loyalty tax” with these 5 tips.

The post-holiday season can be a tough time for many Australians, as credit card statements arrive and a true assessment of Christmas overspending is made. If you’re facing a Christmas Debt Hangover after overspending during the holidays, the next few months will be critical to ensuring you get your finances back on track again. To help you manage your Christmas debt, and to ensure you avoid overspending this year, here are 3 tips from Mortgage Express.