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When it comes to managing your money, the term financial advice  can mean different things. In Australia, financial advice generally falls into two categories: general advice  and personal financial advice . Understanding the difference is important, because each serves a different purpose and can be suitable in different situations. In this article, we’ll explain how general advice and personal financial advice differ, what each can (and can’t) take into account, and why eit

Simple, Effective Tips for Christmas Budgeting Christmas is meant to be a time of joy, generosity, and connection — not financial stress. Yet for many households, the festive season can quietly strain budgets and leave a financial hangover in the new year. The good news? With a little planning and a few smart habits, you can enjoy Christmas without overspending. Here are some simple, effective tips to help you stay in control of your money this festive season. 1. Set a Clear

Every few years, a new investment trend captures headlines and draws in excited investors hoping to strike it rich. Recently, gold has experienced another surge—sparking what many have labelled the latest “Gold Rush.” While these moments can be tempting, seasoned investors and financial planners know a simple truth: long-term success comes from discipline, not hype . Here’s why staying faithful to your investment strategy is almost always the smarter move. 1. Investment Trend

Artificial intelligence (AI) is transforming how we live, work, and make decisions. In the world of personal finance, it’s now easier than ever to type a question into an AI chatbot and get an instant answer that sounds  smart, confident, and even personalised. But when it comes to financial advice, especially in the Australian regulatory environment, using AI for “DIY advice” can be risky — and sometimes downright dangerous. 1. AI Isn’t a Licensed Financial Adviser In Austra

Ready to spring clean your finances in Australia? These 10 easy money tips will help you cut bills, tidy up debts, boost savings, and...