Seriously, not many people really look forward to Christmas – do you… really?

The stress involved in organising and preparing meals, buying gifts or arranging a Christmas party can have the opposite effect to what most of us would like to achieve at this time of year. And the financial anxiety that can eventuate when credit card bills arrive in January can be a very unwelcome hangover.

The good thing is that you get another chance each year to do things differently so you can have a different and much better Christmas this time around.  Here are some ideas:

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There are two million businesses in Australia and 96 per cent of these are small, family run operations. For the people involved, these ventures are often an excellent investment – one that funds family life, pays the home loan and forms the basis of retirement savings. But unlike their larger corporate counterparts, small businesses are often dangerously exposed to unexpected events that can derail the owners’ financial wellbeing.

In many small enterprises one person plays a critical role in the ongoing success of the venture. If anything were to happen to this key person – be it ill health, injury or even death, the day to day running of the business could be severely impacted. At worst, the business could fold altogether

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Over the past few weeks thousands of Australian teenagers have reached a significant milestone in life. Their final Year 12 exams are completed and their days as a school student are over. For many of these teens, the summer will be spent working in holiday jobs until uni or TAFE starts next year, others will take on permanent job. It’s at times like these that parents can provide valuable final advice – especially when it comes to choosing a superannuation fund. 

Young workers aged 18 or more who earn over $450 each month in before-tax wages, are entitled to employer-paid super contributions. It doesn’t matter whether you’re full time, part time or a casual worker, you’re still eligible for these compulsory super payments

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