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Have done a spreadsheet on our spending for 6 months.
We have been unlucky with repairs and renos with IPs this fin year. Around 20 k... And now have all 3 at school another 11k gone...
When we were on 1 income we were very frugal now not so... But want to get things back on track
There are Financial Planners who specialise cash flow management as a service. For the majority of the population it would be the most beneficial service a financial planner could ever provide.Im not sure how much help a Financial Advisor is going to be ?
They can help with estate planning, Share portfolio's or Super yes, but I'm not so sure when it comes to budgeting, I think that more comes down to you and your family spending habit's.
Whats your spending habit's like?
Always eating at restaurants?
Own an array of Toys all bought using Personal Loans or Finance?
Credit Card's maxed out?
Obviously I have no idea of your current situation.
Im not sure how helpful sacrificing extra super will be either.
Just keep tracking your spending and see where you can make changes or savings.
What are the "needs" in your family life and what are your "wants"
There are Financial Planners who specialise cash flow management as a service. For the majority of the population it would be the most beneficial service a financial planner could ever provide.
Thanks Westminster.. For me it's not about being more frugal it's about being financially smarter.
The Money we put in our kids accounts should I do bonds for them instead or should it be in an offset account against our ppor
Eg: should I increase my super salary sacrifice to get into a lower tax bracket or should I not be salary sacrificing at all? Should i put that money to use elsewhere.
The Money we put in our kids accounts should I do bonds for them instead or should it be in an offset account against our ppor