Your Family You rMoney
Sub-menu 1.2.1.1

The secret to business success

Wilson Luna: The way to succeed in business is to learn from experience … but there’s no rule that says you have to get that experience the hard way, or even that it has to be yours! Read More

Do you need to get ready for recession

Wilson Luna: While Australia was reasonably well insulated from the effects of the GFC, we're not completely detached from global markets, and with many countries struggling with economic turbulence, it's time for Australia to get ready to deal with whatever comes our way financially. Read More

The ups and downs of the property market

Wilson Luna: The stock market has been up and down like a yo-yo in recent weeks, and because it doesn't exist in a vacuum, all that instability has a knock-on effect across the entire economy and as a result, the property market could be in line to take a beating as well. But what does that mean for you? Well it all depends on what side of the equation you're on ... Read More

Where did all the money go

Wilson Luna: Do you wonder where all your money is going? Well, new ABS figures on Australian household expenditure have just been released, and they contain all sorts of fun facts about the items that we Aussies like to spend our cash on. But before you start taking these numbers as 'gospel' about where your money's going right now, there's something you should know … Read More

Not so super after all

Wilson Luna: Shares go up, shares go down – the market’s been so volatile lately that you could get dizzy watching the numbers bounce around. And if you don’t have a share portfolio, you could be forgiven for not wanting to know how it’s been doing recently. But since most of us have superannuation - and at least some of it is usually invested in shares - we should all take a moment to see how our funds are doing so we don’t get a nasty surprise when we reach retirement age! Read More

Great skin on a shoestring

Analaura Luna: How many of us have a cupboard full of beauty products we used once and then forgot about? It’s a common problem, and it’s costing the average Aussie woman about $840 a year. If you’re sick of buying products that don’t deliver, it might be time to change your beauty routine and getting great skin at an affordable cost is all about knowing the facts and skipping the hype. Read More

The great childcare question

Wilson Luna: Had a long day at work? Well, it turns out the kids might have had an even longer one at day care! Child care can be a great option, but it can also cause some kids to become moody and frustrated – and the fact is, it’s just not for everyone. If you’re not sure what the best place for your child is, it might be time to review all the options available – and maybe consider a few alternatives you hadn’t thought of before! Read More

Great last-minute holiday savings

Wilson Luna: It’s summer and the school holidays are almost here, and for many families that means it’s time to get in a bit of travelling. If you’ve been planning your trip all year, that’s great – and you’re probably all set to go. But what about those of us who’ve been a little bit slack about plotting out this year’s great getaway? Is it still possible to find ways to make the family holiday affordable, even as the clock ticks down to the day you want to leave? Read More

Stress Less this Christmas Day

Analaura Luna: We all wish sitting down to Christmas lunch with our loved ones was a wonderful experience, but sometimes it can be a little grim! With all the preparation, cooking and cleaning up involved, getting everyone together for that one meal can turn into a real nightmare. This Christmas, why not do things a little differently – with a bit less work and a lot more fun! Read More

Go credit free this Christmas

Wilson Luna: Have you started your Christmas shopping yet? Research reveals that Aussie shoppers are expected to spend $23 billion this silly season – and some of that is bound to increase our already-massive credit card bill. But with the right shopping strategies you can have your fun and skip the debt – and that will make this Christmas really merry! Read More

Under pressure - top tips for chilling out on a shoestring

Analaura Luna: Feeling stressed? Join the club! As the old saying goes, ‘a woman’s work is never done’ – and with the pressure of our careers and our families it’s no wonder that we’re feeling a bit frayed at the edges. Well, enough is enough. It’s time for us to reclaim a bit of time for ourselves and start feeling great again – without the guilt of blowing the budget! Read More

Billions lost as Aussies gamble with their financial future

Wilson Luna: Did you bet on the Melbourne Cup? Chances that if you did whether you won or lost wasn’t anywhere near as important as the fun of participating in one of Australia’s biggest traditions. But for some people, gambling is a serious business, and a loss can be devastating to a family’s finances. If you’re worried that your partner might have a gambling problem, or be at risk of developing one, it’s time to take control of your situation and make sure your financial future isn’t at risk. Read More

Get fit by 'accident' - without breaking the bank

Analaura Luna: Do you want to get fit, feel better, look better and live longer, but find that fitting exercise in your day is too time consuming and too expensive? Well, that’s what you may have heard – but the truth is that you might be getting a bit more exercise in your daily routine can be easier than you think, and it doesn’t need to cost you a cent … Read More

Would you like a credit card with that

Wilson Luna: Would you like your credit limit increased? A free credit card with your home loan? Application fees waived? The banks are scrambling to secure customers, so if you can name it they’re probably offering it. There's no doubt there are some great deals available, but be careful: not everything the banks are offering is good for you OR your wallet, so it’s worth finding out when you should say ‘no’ when your bank offers you a special deal. Read More

Don't go broke over your big day

Wilson Luna: They spent HOW MUCH on the wedding? When you’re exchanging vows and really committing to each other, it’s easy to think that this is one area where you should spare no expense. But let’s face it – if you’re watching from the pews instead of walking down the aisle, the true cost of a wedding can seem pretty shocking. The truth is that marriage is a multi-billion dollar industry, but no matter what 'conventional wisdom' tells you, your big day doesn’t have to send you broke. Read More

Get your general insurance under control with YourShare

Sally Farrow: It's one of our biggest single expenses, yet still the majority of us simply don't shop around for our insurance – and that means we are almost certainly not getting the best deal. Make sure you know what you’re paying – and better yet, look to put some of that money back in your own pocket! Read More

Blitz school holiday boredom without breaking the budget

Analaura Luna: The school holidays are here and the kids are home with us – isn’t it great? All right, let’s just us parents be honest here for a minute. It’s wonderful to have the kids home … but not always to have them HOME all the time, especially when they’re complaining of boredom. So we’ve stepped in with some fantastic holiday ideas that will cure the boredom bug, let you have fun with the kids – and save your budget from bursting! Read More

Economic uncertainty puts the property market in a pinch

Wilson Luna: With all of the economic uncertainty in the air lately, the Australian property market is in a real pinch. Unsold winter stock is still hanging around, leaving little room for the market’s traditional springtime bloom and prices are starting to fall. Whether this is good news or not depends which end of the equation you’re on … Read More

Financial stress - the real relationship killer

Wilson Luna: Watch out! Your relationship could be at risk of poisoning – of the financial kind. Financial stress can be lethal to relationships, and many people are finding that money trouble is starting to make their look a little on the sick side. But by getting some great advice and taking positive action, you can give your relationship and your budget some breathing space so you can stop your ‘I do’ from turning into an ‘I don’t’ ... Read More

Freshen up your finances

Analaura Luna: We’ve all put off the spring cleaning from time to time, but when it comes to financial spring cleaning, doing it now could have some big benefits. And just between us – isn’t making your money work harder for you more fun than cleaning up your house? Read More

Five ways to make your day in court easier

Ben Hall: Prepping for your day in court? Feeling a bit stressed out about it? No worries – these tips will give you confidence, help you keep your cool and give you a taste of what it will be like when your matter is heard. So even if it’s your very first time in court, you won’t have to feel like a nervous novice. Read More

What is happening with the property market?

Wilson Luna: As the stock market suffers and the cost of living in Australia continues to rise, many families are struggling to hold onto their homes. A glut of houses on the market could have a big effect on prices. Do you have the right mortgage advice to stay ahead? Read More

Money Management – the simple secret to getting what you want

Wilson Luna: Money doesn’t buy happiness, but financial security does give you the freedom to make the choices you want to make, and that's certainly going to make you happy! We'd all like to improve our money management skills, and the first step toward getting better at something is understanding it. Read More

Playing the ‘scare market’ - investing in turbulent times

Wilson Luna: It's easy to get caught up in the heat of the moment and think that the best thing to do in a volatile market is 'sell, sell, sell' but the reality is that if you want to make a profit, doing the exact opposite is sometimes your best option. When there's a glut of good quality stock on the market as a result of nervous investors dashing for the exits when their confidence drops, it can be the best time to pick up a blue-chip bargain ... Read More

Click to save - put your money where your mouse is

Wilson Luna: Love to shop, but still want to save? With a little help from modern technology you can put your money where your mouse is and have the best of both worlds! Online shopping is booming, and with the great savings to be made, it's easy to see why we're falling in love with 'Windows' shopping! ... Read More

How kids are becoming an unaffordable luxury

Analaura Luna: We've all heard the term 'baby budget' but with new research suggesting that people are putting off having kids because the cost is too high, it seems this term is taking on new meaning! Has having a baby become a luxury that many families just can't afford? Read More

Billions up for grabs - it's a super bonanza!

Wilson Luna: Stop the press! There's a bundle of cash waiting for people to claim it and some of it could be yours! With $19 billion up for grabs and a one in two chance some of it has your name on it, what are you waiting for? Don't you want to find out how to round up your share? Read More

The new hack attack putting your privacy at risk

Wilson Luna: You've got passwords on your computers, phones and accounts, so your information is secure, right? Maybe not ... it turns out that having an unsecured wi-fi network is an open door into your network, your devices and even your life. Find out the simple things you need to do to protect yourself against an attack on your system and your finances ... Read More

How to stop your great Australian dream from becoming a nightmare

Analaura Luna: It's no secret that we Aussies are passionate about property. But when the contracts are exchanged and the champagne corks have popped, the harsh reality of buying into the great Australian dream sets in – and many people find themselves struggling to make it through. But there are a few things you can do to stop your dream from turning into a nightmare ... Read More

How to get past price hikes

Analaura Luna: Everyone loves Australia – we’ve got the Harbour Bridge, the Opera House, the Great Barrier Reef, Uluru and Hugh Jackman … But all of these great things come at a cost, and it seems like it just keeps going up! At the moment, it seems like the best way to get more for your Aussie dollar is to take it overseas, but we've got some closer-to-home solutions that will help you save a bundle ... Read More

Low Consumer Confidence Benefits Family Finances

Wilson Luna: With the recent slump in retail spending figures, it looks like Aussies have become cautious on the consumer front. With the cost of so many things going up, saving, paying down debt and investing in the future has knocked 'spending' off our collective list of priorities. And with a few simple strategies in place the benefits that this 'new' trend can have for families is enormous ... Read More

Top tips for winning at tax time

Analaura Luna: Happy Financial New Year! You may not think of the end of financial year as a time to party – but the truth is it’s a fantastic opportunity to put some great strategies in place to put yourself in a better position at tax time. And that's definitely worth celebrating! Read More

The new way to shop

Stacey Carlon: While the weekly shopping may not register as a ‘big’ expense, grocery shopping can wind up taking up a big chunk of the family budget. But if you’d rather spend your money on more exciting things than the essentials, there are some surprising saving tips that could get your family the things they need for a whole lot less! Read More

How the law of large numbers is failing our families

Wilson Luna: We live in a world where numbers and statistics rule. If a problem isn’t big enough it tends to be ignored, but ‘small’ numbers are hiding the big problems of thousands of Aussies and their families. This story is about helping every family, because we think all families deserve to be number one ... Read More

How to have champagne taste on a beer budget

Analaura Luna: We all like a little luxury in our lives, but with the cost of living climbing many Aussie families are tightening their belts and trimming the budget to keep their finances in the black. But here’s a little secret you may not know: savvy shoppers can find great deals that allow them to enjoy their favourite things without blowing out the budget. It’s easy – if you know how ... Read More

Privacy Breach of Epic Proportons Puts Australians at Risk

Wilson Luna: Many of us buy alarms for our cars and security systems for our homes; we’re careful about insuring our belongings, our health and our income – but are we doing enough to protect what may be out most valuable possession: our identity? Read More

Women Pay the Price for Opting Out Financially

Analaura Luna: What do you know about your family’s finances? Many Australian women are leaving the ‘big’ money decisions up to their partners – and when it comes to divorce, property settlement and other financial issues, that can be a big mistake. Find out what to do if you’re facing divorce without financial know how. Read More

52,498 good reasons to consider a pre-nup

Analaura Luna: Wedding fever has hit the world, but as the royal nuptials were being dissected bit by bit – who’d be there, who wouldn’t be there, what the bride would wear, whose family would embarrass whose first, and whether the new bride’s father-in-law-to-be would deliver one of the jaw-dropping gaffes he’s become renowned for. But one thing that wasn’t being discussed with fervour was the possibility of a pre-nup ... Read More

How to play your cards right and win

Wilson Luna: There’s something incredibly appealing about winning at cards – think James Bond in a flawless tux, suavely throwing a winning hand down on the table in a Monte Carlo casino before sipping his martini, grabbing the girl and heading off to cruise the coast in an amazing car. The message is clear: win the card game, and you win BIG. And although the movie isn’t real, the message is. The trick is to play with the cards you already have in your hand: your credit cards ... Read More

Aussie families missing out on millions in savings

Analaura Luna: Between Ikea’s high chairs for dogs and Virgin Blue’s standing-room-only flights, this year’s April Fools’ Day hit a new high for pranks and jokes. But what’s less funny is that private health cover premiums are adjusted on 1 April each year (no joke!), and this year’s increase pushed premiums up by 5.56 per cent – adding an estimated $821 million per year to the cost of private health insurance. Read More

Is the great Australian dream worth risking your future for

Wilson Luna: Home ownership has long been considered the ‘great Australian dream’, but for many mortgage-holders, the three bedrooms, backyard and Hills Hoist have turned into a nightmare that’s seriously threatening their financial security – and their future. Read More

Beating the Financial 'Battle of the Sexes'

Analaura Luna: When it comes to money management the battle of the sexes can get pretty fierce! But with new information from the Economic Vitality Report highlighting the different responsibilities men and women take for household expenses, now is a great time to consider calling a time out and learning to work together as a team to get to where you really want to be financially. Read More

Families Facing Financial 'Crisis' Point

Wilson Luna: Having enough money is an important part of feeling happy and secure - and with the cost of just about everything on the rise, 'enough' can often seem like a lot more than we have! The key to getting your finances on track is changing the way you do things so you can make the most of every cent you have and ease some of the pressure of scraping together enough cash to make ends meet ...  Read More

Aussies still getting sucked in by scammers

Wilson Luna: If you’ve ever sat up with friends or family swapping scary stories, you know they can be great for thrills and chills. But that’s because the stories aren’t true! Unfortunately, the threat of getting scammed is very real – these are the scary stories that can actually happen! Do you know how to protect yourself from the clever crooks who really are out to get you? Read More

How to be prepared for when 'I do' becomes 'I don't'

Analaura Luna: An unhappy marriage can turn into a battleground, and if you’re getting divorced the only way to ‘win’ is to arrange a careful retreat – one that gives you both the best chance of getting on with your lives. Find out what you can do to protect your finances when ‘I do’ becomes ‘I don’t’. Read More

The 30 Day Money Diet - week four

Your Family Your Money: Week four of the 30 Day Money Diet is all about getting more for less when it comes to the fun things in life - how to have a great night out and still save money, how to get your entertainment costs under control and how to de-clutter your house and wardrobe to ensure that you get the most out of everything you own. And that might just mean doing some shopping! Read More

How to cope with the rising cost of everything

Analaura Luna: We've all heard stories about when you could buy anything you wanted for next to nothing and while some of those stories might have been exaggerated a little, there’s no denying that life is getting more expensive, and it's never been more important for families to have some strategies for dealing with the rising cost of 'everything' ... Read More

Is Gen Y the Debt Generation

Wilson Luna: Gen Y - they're technologically savvy, open-minded and focused on creating a healthy work/life balance. They avoided the fashion disasters of the 70s, faced down the Millennium Bug and they've got their whole future ahead of them. But unfortunately, Gen Y has something else that's a whole lot less encouraging - an enormous amount of debt ... Read More

The 30 Day Money Diet - week three

Your Family Your Money: Week three of the 30 Day Money Diet is all about getting your important accounts, insurances, superannuation and credit debt sorted out - and while easily overlooked, these can be the most important things you can do to protect and improve your family's financial situation. Read More

The 30 Day Money Diet - week two

Your Family Your Money: Week 2 of the 30 Day Money Diet is all about your house and everybody in it! This week we tackle the 'tough' issues - how you can keep everyone in the house looking good, feeling great and having fun and still make great savings! Find out how much your family can save this week, just by making some small changes that will give you big results ... Read More

The 30 Day Money Diet - week one

Your Family Your Money: Week one of the 30 Day Money Diet is all about taking on what can be a family's biggest expenses - groceries, utilities, travel and shopping! But the great news is that this week's biggest results can come from making some small and simple changes. Read More

The 30 Day Money Diet

Your Family Your Money: In the coming weeks, Your Family Your Money and Channel 7’s The Morning Show are teaming up to bring you the Money Diet – a 30-day personal workout for your family finances, which is designed to detox your money habits and kick-start your financial future! Read More

The 30 Day Money Diet - how to save at the salon

Louise Blake: Getting your hair done should be a relaxing and pampering experience – but how often have you spent your entire time at the hairdresser worrying about how much it’s going to cost by the time you’re finished? These tips are designed to show you how to get the beautiful locks you want, without emptying your bank account to do it! Read More

Claim your share of Australia's 'missing' money

Analaura Luna: Imagine bringing in the mail one afternoon, and finding a letter from a solicitor hidden in among all the bills and junk mail. It says that you are the only heir for an ridiculously rich, long-lost relative, and they just left you their entire fortune in their Will. You’re a bit sceptical at first, but it all checks out – and now you’re ridiculously rich, too ... Read More

Save big bucks on back to school

Your Family Your Money: On the last day of school the prospect of keeping the kids entertained for the holidays can be daunting, but when January rolls around most parents would agree that footing the back-to-school bill for the coming year can be even scarier! Read More

The food waste costing Australians billions

Analaura Luna: A recent study found that food wastage is costing Aussie families billions of dollars every year, with the average household throwing away 585 kilograms - or over $1,000 worth - of food annually. Take a look at our simple tips that will help you to stop throwing your hard-earned money away! Read More

Are Aussies becoming compulsive spenders

Analaura Luna: Budgets are tight and expenses are on the increase, but the last few months have seen Aussies spending up big on pre- and post-Christmas shopping. Does this retail spending spree mean we're at risk of becoming a nation of compulsive spenders? Read More

Has the family holiday become an unaffordable luxury

Analaura Luna: Taking a break to recharge your batteries makes all the difference to how ready you'll be to tackle the coming year! There's no doubt that things have become tougher financially for many families, but with these great tips you'll be able to plan a holiday that will give your family - and your budget - a break! Read More

Negotiating Christmas with your ex

Anne Miles: Christmas is a challenging time for some families, particularly if a divorce is fresh and children are involved. Read More

Don't Finance Santa

Analaura Luna: It’s Christmas time and we’ve all got cards on the brain, but there’s one you might have forgotten – your credit card! Our credit card tips can help you have a great Christmas and avoid a credit card hangover in the New Year! Read More

Retail relief - how to make serious savings this silly season

Analaura Luna: Christmas is only a few weeks away and most of us are scrambling to finish (or start!) our last-minute shopping ... if you have some Silly Season spending to do, take a look at our best saving strategies before you hit the shops! Read More

How to take some of the heat out of the latest interest rate rise

Analaura Luna: Interest rates are on the rise, and with banks already hiking their rates up - some by almost double the official rate - it's time to find out what Aussie families can do to free up some much-needed cash to help make the budget balance again ... Read More

How you can benefit from a strong Aussie dollar

Wilson Luna: These days we're getting great value when it comes to converting Australian dollars to US dollars - and that means that there are some great bargains to be had. We take a look at three ways you can make the most of a strong Aussie dollar. Read More

How Australians are gambling with their finances

Analaura Luna: Most of us would have enjoyed putting a few dollars on our favourite horse, or joining in the fun of the office sweeps for the Melbourne Cup again this year. But what happens when a bit of harmless fun turns into something more sinister? Read More

Australians face identity crime epidemic

Analaura Luna: Identity crime is rapidly reaching epidemic proportions in Australia, with millions of us experiencing the chaos that a stolen identity brings. There's more to identity crime than just having your credit card stolen and criminals are getting trickier every day, but there are five simple things you can do to outsmart them and protect yourself against the epidemic. Read More

Why you need to know what you're entitled to at work

Wilson Luna: Every job is different, but whether you’re working in an office or on a construction site one thing remains the same – you have rights. Your rights are as important to your career as the tools of your trade, so close the laptop, put down the hammer and take a moment to find out what you’re entitled to in the workplace. Read More

How to find redundancy's silver lining

Analaura Luna: Although redundancy brings with it a temporary period of readjustment, chances are that it can also be just the thing you need to get your career moving in an even better and brighter direction. Read More

Income protection insurance - cover for your way of life

Vicki Writer: If something happened to you and you were unable to work, would you have enough money set aside to cover your day- to- day bills and look after your family? Even if you think you’d be ‘okay’, how long would things be okay for?   Read More

High-tech protection

Analaura Luna: Technology has made it much easier for us to make purchases and connect with people all over the world, but it has also provided criminals with new ways to use stolen credit cards, stolen account details or other personal information ... Read More

Invasion of the identity snatchers

Wilson Luna: Being a victim of identity theft means that somebody has enough of your personal information to convince credit providers that they're you - which means they can tally up enormous debts in your name. Fortunately there are ways to protect yourself and ensure that your identity remains yours alone. Read More

Protecting your secret financial identity

Analaura Luna: Your 'secret' financial identity is your personal credit reference, and managing it properly can make a big difference to your financial life. A positive credit reference can give you the power to make some of your big money management goals come true ... Read More

Financial Compatibility

Your Family Your Money: We asked the Your Family Your Money community about how financial compatibility impacts relationships - and the results confirm one of the most commonly held beliefs about romance and finance ... Read More

Why your Bucket List really is about buckets

Wilson Luna: While writing Bucket Lists can be a lot of fun, the truth is that most people only ever get that far - once written, their Bucket List gets left to gather dust and the things they've dreamed of doing are destined to be dreams forever. Read More

Working out what a Will is worth to you

Analaura Luna: Well, this Will is reportedly worth several hundred million dollars, and while your Will might not be dealing with an estate worth quite that much, it's just as valuable to the people who you love and would want to be taken care of if something were to happen to you. That's why getting it right when you're writing a Will is so important ...  Read More

Where there's a Will

Analaura Luna: Where there's a Will ... there's a way of making sure that your family will be taken care of if something should happen to you, there's a way of making sure that your wishes are granted and, depending on your sense of humour, there's even a way of leaving final messages for your family and friends! Read More

Born to be financially free

Analaura Luna: Haven't you always wanted to jump in the car, throw on your sunnies and drive off into some fabulous, unplanned adventure when you hear 'Born to Be Wild' come on the radio? Life is an adventure ... but you need to know how to make the most of it! Read More

Spring clean your finances this September

Analaura Luna: Spring is all about new beginnings … and when it comes to getting your money management in order, ‘spring cleaning’ your finances is a great way to blow off the cobwebs and create a fresh new start! Read More

Your financial phrasebook

Wilson Luna: Learning a new language is fun, but it can sometimes be hard to know where to start, so here are a few things you can do to become more fluent in finance so that you can get more out of your 'journey' to financial freedom. Read More

Five financial mistakes that can be fatal to your relationship

Analaura Luna: In the early, heady days of romance, money is probably the last thing on the mind of most couples - money problems are probably even further down the list! After all, at the beginning of a relationship there are plenty of other important things to argue about Read More

How to get great divorce advice without breaking the bank

Wilson Luna: Unfortunately, there’s no such thing as a 'cheap' divorce, but although most people find that getting divorced takes both time and money, that doesn't mean that you won't have any control over how much it costs. Read More

If you're working out your child custody arrangements a parenting plan could be the answer

Analaura Luna: Virtually nothing about getting divorced is easy, but making child custody arrangements can be particularly difficult for everyone involved. Read More

Claim your share of Australia's 'lost' super

Your Family Your Money: There's no denying that $12.9 billion is a lot to lose – if that fell down the back of the couch cushions you’d definitely know it was there! According to the Treasury, that’s roughly how much money is lost down the back of Australia’s superannuation ‘sofa’ ... Read More

'How much do I need to retire' isn't as easy to answer as you think

Analaura Luna: 'How much do I need to retire?' is a question that many people struggle to find an answer to. And when it comes to listing the biggest challenges of financial planning, retirement is pretty high on the list! Read More

If you want a great retirement financial planning is the key

Wilson Luna: If you want a great retirement, financial planning is vital, so if you want to have the retirement lifestyle you deserve the best time to start planning is right now! Read More

There's more to a fantastic retirement than just income planning

Analaura Luna: Even if you've got your financial retirement plans in order, you're not finished with designing your retirement lifestyle yet! Read More

Divorce bombshell from shock jock Sandilands

Wilson and Analaura Luna: One of the biggest news stories this week is that radio ‘bad boy’ Kyle Sandilands and his wife Tamara Jaber are set to divorce, with most major news outlets speculating that financial problems may be the reason behind this latest celebrity divorce in Australia. Read More

Simple tips for surviving divorce

Analaura Luna: There will be days when surviving divorce will seem like the most challenging thing you’ll ever do, even if you’re the one who instigated the separation. Ending a marriage is a long process, which can be complicated, expensive and just plain horrible. Read More

Working out your child custody arrangements? A parenting plan could be the answer!

Analaura Luna: Virtually nothing about getting divorced is easy, but making child custody arrangements can be particularly difficult for everyone involved. Read More

Back-to-school ideas for beating the budget 'gremlins'

Wilson Luna: On the last day of school the prospect of having the kids home for the holidays can seem daunting, but that's nothing compared to waking up the day before they're due back at school and finding out that you're not ready for it. If you're sick of the budget 'gremlins' taking over at this time every year, we have some great back-to-school ideas for you! Read More

Covering the costs of education when your child has special needs

Analaura Luna: If your child has special needs, deciding between special needs schools and mainstream education can be difficult. And in order to get the answers you need to make the right financial decisions, you need to know which questions to ask ... Read More

Take the experimentation out of combining kids and money

Analaura Luna: Kids and money can be an explosive combination unless you teach them how to handle it safely, and while your kids will learn many of the things they're going to need to know in life at school, the reality is that one of the most important lessons they need to learn has to come from you ... money management. Read More

Find out if credit consolidation is right for you

Analaura Luna: Debt is like a disease: it makes you feel rotten, seriously impacts your quality of life, and it can be tough to get rid of - that's why credit consolidation is sometimes treated like the penicillin of sick finances. But can one quick jab really solve all of your problems? Read More

Great tips for first home buyers

Wilson Luna: There's a lot more to buying the home of your dreams than just finding it. And if this is the first time you've ventured into the property market, it can be hard to know where to start. So if you’re not sure where to begin, take a tip from us! Read More

Is credit consolidation right for you?

Analaura Luna: Debt is like a disease: it makes you feel rotten, seriously impacts your quality of life, and it can be tough to get rid of - that's why credit consolidation is sometimes treated like the penicillin of sick finances. But can one quick jab really solve all of your problems? Read More

Weather forecast for interest rates

Michelle Hudson: To fix or not to fix? When interest rates start moving it can be difficult to know what to do, but getting some good information is a great place to start. Read More

Making sure you’re covered for life – insurance made simple

Wilson Luna: Life insurance isn’t something people like to talk about, but the truth is that taking out a policy really isn’t ‘tempting fate’ as some people believe.... Read More

Trauma Insurance - providing you and your family with peace of mind

Analaura Luna: Isn’t it interesting how most Australians would never dream of living in a house without home insurance and would not drive their car without car insurance, yet protecting themselves.... Read More

Does a 'mistress' have rights to maintenance and property settlement?

Melissa Billett: Finding out that your partner has been unfaithful can be a heartbreaking experience, but new de facto laws that came into effect in March 2009 mean that your partner's infidelity could break the bank as well as your heart. Read More

The rights of a 'mistress' in maintenance and divorce property settlements

Melissa Billett: Finding out that your partner has been unfaithful can be a heartbreaking experience, but new de facto laws that came into effect in March 2009 mean that your partner's infidelity could break the bank as well as your heart. Read More

The Three Pillars of Personal Insurance

Wilson Luna: There are three covers that no family should be without and we call these the Three Pillars of Personal Insurance. Read More

Some (Financial) New Year’s Resolutions

Analaura Luna: Financial New Year is a good time to make resolutions – of the money management variety. Read More

Highlights of the 2010 Federal Budget

Wilson Luna: Let’s face it: the Federal Budget is a bit too complicated to stick up on the fridge where you can keep an eye on it, but it is important that you understand the parts of it that are likely to affect your family so you can adjust your budget and money management plans accordingly. Read More

Four good reasons to seek good advice

Peter Bowman: Most of us make financial decisions every day. When we pick up bread and milk on the way home, visit the local shopping centre to do our weekly grocery shopping or even just pay the bills, we’re confronted with lots of opportunities to spend money. Read More

Breaking the cycle – how the right advice can help you get off the roundabout and on the road to financial success

Wilson Luna: ‘What would you do if you were stuck in one place and every day was exactly the same, and nothing that you did mattered?’ Read More

Things you really need to know when you’re having a baby

Analaura Luna: All right, fellas – most of you must have seen at least one film where someone was having a baby, so you know that what you really need to do right now is go boil some water. Quick, get on it! Read More

Working out what’s best for your family

Wilson Luna: When you’re pregnant it seems like your whole life becomes public property – everyone seems to think that it’s okay to pat your belly and share their opinion ... Read More

Trading places - how to cope with supporting your parents financially

Wilson Luna: Thanks to medical innovations, improved living standards and readily available health care, Australians are living significantly longer than ever before; in fact, most people can look forward to living well into their 80s and beyond. Read More

What to do if your empty nest won't stay empty

Analaura Luna: Perhaps it’s a side effect of economically turbulent times, but we’re hearing a lot about adult kids returning to live with their parents these days. Read More

A tale of a fateful trip – holidaying on a budget

Wilson Luna: Let’s step back in time to 1912 … for just £870 (the equivalent of around $112 000 today) you can get a first-class suite with access to top-of-the-range amenities and the finest restaurants on one the most exciting cruise ships in the world. Read More

The ultimate cure for boredom – how kids can earn money during the holidays

Analaura Luna: Muuuuuuuuuum … I’m bored! It never fails. No sooner have the holidays started than the same kids who couldn’t wait for school to finish are clamouring for something to do. Read More

Starting a home business – how to make money at home

Wilson Luna: The closest most people ever get to making money at home is winning a game of Monopoly... Read More

How to buy more shoes

Analaura Luna: Hands up everyone who would happily trade in a relative to get their hands on Carrie Bradshaw’s shoe collection. Now hands up everyone who would do the same for her handbags … hmmmm, some of you had your hands up twice! Read More

Seeking advice - what you need to know about the process

Peter Bowman: When you stop to think about it, there is a lot to learn about financial planning and how to make the most of your money. There's a lot you can do in your day to day life to manage your money better. Read More

Seeking advice: What you need to know about the process

Peter Bowman: When you stop to think about it, there is a lot to learn about financial planning and how to make the most of your money. There's a lot you can do in your day to day life to manage your money better. Read More

Four common mistakes people make when choosing a financial adviser

Analaura Luna: If you’re in the market for a financial adviser, and are after some handy tips, then read on! Read More

Love bites - protecting yourself from secually transmitted debt

Analaura Luna: There’s something about vampires. Just ask the eternally beautiful teenagers of the Twilight saga – nothing says ‘romance’ like a mysterious stranger who longs to nibble on your neck. Read More

Love bites: protecting yourself from sexually transmitted debt

Analaura Luna: There’s something about vampires. Just ask the eternally beautiful teenagers of the Twilight saga – nothing says ‘romance’ like a mysterious stranger who longs to nibble on your neck. Read More

Preparing to move out of home for the first time

Wilson Luna: One of the biggest steps in any life is preparing to move out of home. Moving from home means you are ready to venture out into the world and begin a new life of independence. Read More

The dog ate my bills – how to get by when you’re studying

Analaura Luna: The unofficial motto of students everywhere might be ‘never do today what you can put off until tomorrow’.... Read More

Do it together for a better relationship

Wilson Luna: Pssst! Are you interested in spicing up your relationship? Studies have shown that whether you’re newly in love or long-time lovebirds, doing things together can strengthen your relationship, be enjoyable, fulfilling and even good for you! Read More

The smart Aussie’s guide to retirement planning

Analaura Luna: Most people are aware that planning for retirement is important, but very few people actually take the time to establish an effective game plan. Read More

Simple strategies for increasing cash flow

Wilson Luna: Increasing your cash flow, which in turn will help you to get out of debt, is difficult, especially during tough economy times. Read More

Freshen up your home on a budget

Kate & Charyn Youngson: Well the silly season has come to an end and the New Year has begun. At this time of year Charyn and I like to re-decorate our homes and our office starting the year a fresh. Read More

Take control of your debt

Michelle Hudson: Many Australians have a car loan, credit card and mortgage and after the wake of the latest interest rate increases prior to Christmas, the New Year is a good time ..... Read More

Cures for the ‘budget blues’ for singles

Wilson Luna: If you’re single and want to learn about effective budgeting, then this is a great place to start. Read More

How to reduce your debt without losing your mind

Analaura Luna: If you want to reduce – or even eliminate – your credit card debt without losing your mind in the process, read on! Read More

Your Family Your Money eight-month baby financial plan

Analaura Luna: Nothing is such a spontaneous cause for celebration as the anticipation of a new bundle of joy. But as the celebrations peter off and reality sets in, most couples are overwhelmed with the amount of things that need to be organised and arranged before the big day. Read More

Downsizing after the kids have grown up and left

Wilson Luna: Two of the biggest changes in your life have to do with children. Read More

Top money tips for women

Analaura Luna: Australian women today have a higher level of education, higher pay cheques ... Read More

Making the most of selling your home with home staging

Charyn & Kate Youngson : “The way you live in your home and the way you sell your house are two different things.” Read More

Making money from your 20s to your 70s

Wilson Luna: From the age we leave school until we are at or past retirement, the need to bring in money is ever present. Read More

Teaching kids about good money management

Analaura Luna: Although the piggy bank is the first thing that springs to mind when we think about teaching kids money management skills, the reality is that these days... Read More

Expect the unexpected – understanding the essentials of personal insurance

Analaura Luna: If there’s one thing we’ve learnt from Monty Python, it’s that we should always be ready to expect the unexpected, because nobody expects the Spanish Inquisition. Read More

Rising interest rates and your mortgage

Wilson Luna: The question was never whether interest rates were going up - the question was when. Read More

To fix or not to fix?

Michelle Hudson: Whilst we have been enjoying the Reserve Bank’s interest rate cuts and watching the variable interest rates reduce, the banks have already been looking into the future and have slowly been raising the fixed interest rates. Read More

Weighing up your interest options - whether to fix or not

Michelle Hudson: Whilst we have been enjoying the Reserve Bank’s interest rate cuts and watching the variable interest rates reduce, the banks have already been looking into the future and have slowly been raising the fixed interest rates. Read More

Avoid the risk of identity theft

Analaura Luna: October 5 - 11 2009 was National Identity Fraud Awareness Week. We find its a good week to take stock and check how we may be exposed in our daily lives. Read More

Identity theft - are you at risk?

Analaura Luna: October 5 - 11 2009 was National Identity Fraud Awareness Week. We find its a good week to take stock and check how we may be exposed in our daily lives. Read More

Your eight-month baby financial plan

Analaura Luna: Having a baby is exciting, but sometimes working out how you’re going to deal with the extra expense and loss of one income is daunting. Read More

How do you protect your financial future if your partner Is a gambler?

Analaura Luna: One of the most difficult things for any couple to go through is addiction. Read More

How to protect your financial future if your partner is a gambler

Analaura Luna: One of the most difficult things for any couple to go through is addiction. Read More

Keeping a cool head when investing in the stock market

Wilson Luna: The recent financial downturn has led a lot of investors to make poor investment decisions. Read More

A quick guide to coping with redundancy

Analaura Luna: Going through a redundancy is one of the most stressful things a family can face together. It brings some enormous changes and requires a great deal of teamwork for a family .... Read More

How much is your property worth?

Michelle Hudson: In Australia, market value is defined as the estimated amount for a property exchange between a willing buyer and a willing seller... Read More

Tips for surviving in a tough economy

Wilson Luna: Economic turbulence has changed the way we think about our finances – especially about the things we used to consider to be ‘safe’ bets. Read More

Working out how much your property is worth

Michelle Hudson: In Australia, market value is defined as the estimated amount for a property exchange between a willing buyer and a willing seller... Read More

The two-minute guide to disability insurance

Analaura Luna: Disability insurance is one of the most complicated insurance products. Read More

Social Networks and Career Advancement

Wilson Luna: The Internet rules! And so does your network. Social networking sites are becoming the new way of networking. Read More

Understanding your credit rating

Michelle Hudson: I have often found that there is some misunderstanding about what a good credit rating is. Read More

What is my credit rating?

Michelle Hudson: I have often found that there is some misunderstanding about what a good credit rating is. Read More

Taking control of your money habits

Analaura Luna: If you’re like a lot of people out there then you probably find yourself living from one payday to the next, hoping that the pay cycle will end before you run out of cash. Read More

Bringing the romance back into your finances

Analaura Luna:: Let’s face it: ‘Darling, your bank account or mine?’ really isn’t a very romantic question. Somewhere along the way, without knowing quite why or how, we pick up the idea that romance and money just don't mix. Read More

Unprotected text – the new worry for parents of teenagers

Analaura Luna: Kids today think they know everything. And in some ways, they’re right. They can text faster than a secretary can type. Read More

Shoppers’ Delight

Analaura Luna: Even amidst all the gloom eternal optimists will find a reason to be hopeful. A friend last week took possession of her new home – an exciting time for sure. Read More

How to build a AAA Credit Rating

Wilson Luna: Your credit rating matters. It matters because a lender – be it a bank or finance company will look at your credit history and give you a credit rating. Read More

Advice for first homebuyers

Analaura Luna: Buying one’s first home is one of the great milestones in life. It’s also a major investment. There’s excitement, there’s trepidation (can I manage the financial commitment?), there’s responsibility ... Read More

Frugal is the New Black

Wilson Luna: There’s nothing quite like a recession to get you thinking about what you waste. Australians waste three million tonnes of food each year, with families spending more than ... Read More

Brain Food

Analaura Luna: Is there such a thing as brain food? We’ve all read about food and supplements that are supposed to ward off aging – blueberries for example, Omega 3 and the like. Read More

Coping as a migrant

Wilson Luna: Australia is a nation of migrants. Immigration has been central to Australian population growth and national development since British colonization in 1788. Read More

How can couples merge their finances and find harmony?

Wilson Luna: As brutally honest as that sounds, it's a good question to ask before marriage or about to move in together. Read More

How couples can merge their finances and find harmony

Wilson Luna: As brutally honest as that sounds, it's a good question to ask before marriage or about to move in together. Read More

Separation and Divorce

Analaura Luna: Divorce is a difficult time but it doesn’t have to be financially devastating. The time for grieving is to be honoured and the separation time will run its course. Read More

The Job Search

Analaura Luna: Remember your first real job search? You were so naïve! This time around it’s different: you’re wiser; you’ve got notches on your belt. Read More










Free Books Bonuses Book Link & Resources Sites
Book Templates & Tables Contribute to Ou rNext Book
Home | About Us | Podcasts | YFYM Forum | Online ShopContact Us | Sitemap
Your Family Your Money © 2009 | Privacy policyTerms and Conditions | Powered by Digital Revolution