 If you have either been medically discharged or have applied to DVA for incapacity payments, then you may be receiving Department of Veteran Affairs (DVA) Incapacity payments.
 The song by British punk rock band The Clash summarises the questions that we all have when any investment starts displaying volatility.
 Jessie and Yannick have combined forces to bring you a realistic view of purchasing a home and the benefits (and negatives) that come with it.
 Leaving the Defence Force is not easy for everyone. Some may have spent most of their lives serving, and others may be discharging under unfortunate circumstances such as medical impairments. Whatever the reason, we understand that the transition to civilian life can be a difficult one.
Defence knows this too. That’s why they offer up to $1,000 towards seeing a financial adviser through the Defence Force Transition Program (DFTP).  Last week our very own Jessie McCormack attended The Table NQ networking event with dozens of other Townsville businesses.
Green Cells: How Getting Your Budget in the Green Could Also Decrease Your Carbon Emissions22/1/2025
 You’ve tumbled down every path possible to reduce your spending, short of moving back in with your mother. You skateboard to work. You brush your teeth in the dark. Netflix has been replaced by DVDs from your grandfather's collection, and your third night of Top Gun is starting to get to you.
What if I told you there was a better way? That you could save up to 16% on your food costs a year and avoid sleeping on your mother’s pull-out couch—all in one fell swoop?  Even before the confetti settles and the glow sticks lose their shine, we as a human race agree that next year will just be better. No more chocolate. No more 10 am wake ups. No more frivolous spending.
 In Australia, the decision to pay off Higher Education Contribution Scheme (HECS) debt early is gaining traction, especially with the 2023 indexation rate reaching 7.1%. For individuals with a HECS debt of $30,000, the indexation resulted in an increase of $2,130. For those grappling with the question of whether to prioritise paying off HECS or focusing on home loan repayment, a careful analysis of interest rates is essential.
 Have you booked your first appointment to see a financial adviser and feel a bit lost? Not sure what to ask, or what will be expected from you?
Take a look at our 3-step appointment process to ensure you’ll be prepared!  Opting to boost your superannuation contributions through salary sacrifice can be a strategic way to reduce your taxable income. When you choose to allocate more of your salary to your super, the amount you contribute is deducted from your taxable income, potentially leading to significant tax savings.
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