Work & Career

The trick to seeing a financial adviser? Start with something specific

Mark Bouris You don't have to be pulled into full-scale financial planning, where the adviser starts with a $3000-plus statement and then has you on an annual retainer.

When can you afford to retire?

Nicole Pedersen-McKinnon Once you know what your retirement looks like, you can figure out how much money you will need to fund it each year and then how soon you can actually do it.

The three things low-income earners can do to get ahead

Raj Patel was on the verge of declaring bankruptcy when he saw a financial counsellor.

Christine Long Raj never thought he'd need a financial counsellor. Then he nearly lost it all through a run of bad luck.

Create your emergency financial plan

There is a reason why airlines do the safety demonstration while the plane is still on the ground.

Melissa Browne We need to start thinking about our own financial emergency plans while everything is clear sailing.

The harsher pension test gives retirees little reason to save

Daryl Dixon The changes in the asset test for the pension come at the same time as official interest rates and conservative investment returns are at historic low levels.

Plan ahead for the festive season to avoid a financial hangover

Melissa Browne A little pain now in terms of planning can mean you avoid a whole lot of pain later on.

Your Questions: are we financially ready to retire and travel around Australia?

George Cochrane Financial expert George Cochrane answers readers' questions.

Is private school worth it? Paying for kids' education

Cathy Filardo is seen helping her children, 13-year-old Siena and 5-year-old Massimo with their homework at home in Melbourne.

John Collett Cathy Filardo knows the value of a good education; she is, after all, a teacher.

How to be a power user of credit card rewards programs

American Express was independently rated by Choice and Mozo to have some of the best rewards programs.

Kate Jones Anthony Bianco maximises the rewards points for his credit card but diligently pays off the balance every month.

Transition to retirement pensions retain appeal

Daryl Dixon The government plans to remove the tax-free status of all income received by transition to retirement funds from next July, but they still have some benefits.

My shares are being consolidated, is that fair?

George Cochrane Financial expert George Cochrane answers readers' questions.

Why we need guard rails for our financial life

Melissa Browne How do you place a financial guard rail? You become accountable, you put in place rules and boundaries.

Plumbing, planning and the curse of knowledge

Catherine Robson It's probably OK to go through life without knowing much about washer sizes, but financial management is a skill that all adults need.

How to choose your first credit card


Kate Jones Choosing your first credit card is equal parts daunting and exciting.

Should we use an inheritance to buy property in my spouse's name?

The Gold Coast – a sunny place for property people.

George Cochrane Financial expert George Cochrane answers readers' questions.

5 self-help books to help you master money

GENERIC cash, banks, interest rates, wages, pay, import, export, notes, coins, gfc, markets, bonds, shares, parity, currency. #126107 AFR FIRST USE ONLY PLEASE!!!

Emma Vuletic Reading personal finance books helped Australian writer Emma Vuletic through a painful divorce in New York City.

Ask Noel: why getting below the $1.6m super threshold by June 30 is a timing issue

Noel Whittaker Financial expert Noel Whittaker answers readers' questions.

The 10 biggest money mistakes

Nicole Pedersen-McKinnon If you're smart, over your lifetime a deliberate trickle of "me" money will become a big personal pool of cash – which you can then happily splash.

Retirees are burning capital to qualify for a part age pension

Daryl Dixon While older retirees may be reluctant to dissipate large amounts of capital to retain their previous pension entitlement, the investment returns now provide compelling reasons to do so.


Before you retire, your best investment is yourself

George Cochrane Financial expert George Cochrane answers readers' questions.