Personal Finance

Smart budgeting, debt management strategies, and savings tailored to help achieve financial independence

Tax brackets
Tercília Ribeiro May 12, 2025

Understanding tax brackets and how to minimise your tax burden

In this article we aim to explain what tax brackets are and help you identify what you can do to reduce your tax burden and to optimize your returns.
The Risks and Rewards of Investing in ETFs
Tercília Ribeiro April 28, 2025

The Risks and Rewards of Investing in ETFs

Discover the main risks and benefits of investing in ETFs and learn how to make smart, diversified choices for your financial future.
10 Smart Investments for Young Australians in 2025
Tercília Ribeiro April 21, 2025

10 Smart Investments for Young Australians in 2025

Explore the top 10 smart investments for young Australians in 2025. Understand how to begin your journey and grow your financial future.
Emergency Fund: How to Start and What to Do
Tercília Ribeiro April 14, 2025

Emergency Fund: How to Start and What to Do

Learn how to build your emergency fund from scratch with practical steps, smart tips, and habits to stay financially prepared.
Tax Benefits in Australia
Tercília Ribeiro April 7, 2025

How to Take Advantage of Tax Benefits in Australia

Learn about how to take advantage of tax benefits for the upcoming tax year in the complex tax system of Australia.
Investing in the Australian Real Estate Market
Tercília Ribeiro March 27, 2025

Investing in the Australian Real Estate Market: What You Need to Know

Discover key insights, strategies, and tips for investing successfully in the Australian real estate market.
Credit Card Debt
Tercília Ribeiro March 21, 2025

How to Handle Credit Card Debt in Australia

Credit card debt can be problematic if not handled with care. Learn about how to manage, reduce, and exterminate credit card debt in Australia.
How can you build a good credit score in Australia?
Tercília Ribeiro March 14, 2025

How can you build a good credit score in Australia?

A good credit score increases your chances of borrowing a loan on better terms. Learn how to build a good credit history in Australia.
Saving for Retirement
Tercília Ribeiro March 7, 2025

Tips for Saving for Retirement in Australia

Learn about different practical approaches to saving for retirement in Australia to avoid financial hassle and mental stress in the future.