Mother, father, daughter and son cooking together as a family in the kitchen Mother, father, daughter and son cooking together as a family in the kitchen
Mother, father, daughter and son cooking together as a family in the kitchen

Cast your memory back to the first week in January 2018.  You were possibly just going back to work, perhaps heading into your third week of the Christmas holidays totally relaxed and had given up trying to remember what day it was and fast approaching the new working year.  You’d probably just got over the excesses of Christmas day and New Year’s Eve celebrations and perhaps contemplating the kids finally going back to school.

You may have made some New Year’s resolutions, perhaps to spend more time with the family, develop and follow a healthy eating plan or another common resolution; to get your finances in order.

If you made a resolution to get your finances in order how did you go?  Are you now well on top of your household budget, rapidly paying off your debts and or ticking off the lifestyle goals you hoped to achieve with your new-found surplus cash?

Alternatively, are you sitting in the same position in 2019 with a freshly minted set of resolutions that include some hopes to get your financial affairs sorted?  You probably have a bunch of bills coming up, including the credit card bill from Christmas and perhaps getting that sinking feeling that not much has changed since last year.

Consider the following table.  The columns below W, F & M demonstrate how many pay periods you have left if you retire at age 67 depending on whether you are paid Weekly, Fortnightly or Monthly.
Can you afford to put off your New Years Resolution for another year?

Have a look at your superannuation balance.  Subtract your balance from $450,000 and divide it by the number of pay cycles you have left until age pension age.  Can you afford to save that much per pay period?

One of the primary reasons we’ve discovered new clients have avoided financial planning for so long is that it appears too hard.  Other reasons include life just getting in the way or the very common misconception that they don’t earn enough or have enough to invest.  True financial planning involves identifying your lifestyle and financial goals and putting in place a plan to make those dreams a reality.

The best time to start that is today.  If you’d like some help with that send us an email to with the subject line “I want to get my finances sorted” and we’ll do the rest.


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