Making the most of higher super contribution caps and salary sacrificing.
Want to find out how to boost your superannuation savings? After July 1 the new pre-tax cap will be $27,500. Find out how to make the most of higher super contribution caps.
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How to fix your credit rating for free.
If your credit rating is suffering, discover tips on how to fix your credit rating for free. Learn about staying on top of your credit score here.
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5 business improvement tips.
Business improvement is the process of measuring, changing, and evaluating your business functions. See our top 5 tips for enhancing your business here.
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Closing your small business down.
When it comes time to step away from your small business, one option for exiting is to close the business down. While this is less complex than selling it, or passing it on, this article looks at some key things that it’s important not to overlook to help extract as much value as possible for you.
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Planning for the end game – your business exit strategy.
Every business owner will leave their business at some point. How easy this will be and how much financial benefit you or your heirs will achieve will depend largely on how well you have planned for this transition. This article aims to help get you started.
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Selling your small business.
When it’s time to exit your business, an exit strategy of selling allows you to realise the goodwill that you have built up. Having a solid plan for the sale of your business helps you extract the greatest value to move forward into the next phase of your life.
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Mob Pod: Florence Drummond – Indigenous Women in Mining and Resources Australia
The Davidson Institute’s Lisa Gissing talks to Florence Drummond, CEO and Co-Founder of Indigenous Women in Mining and Resources Australia (IWIMRA), about how she turned a social network into a business to create opportunities for Aboriginal and Torres Strait Islander women in the mining and resources sector across Australia.
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Mob Pod: Rachelle Towart, Pipeline Talent.
The Davidson Institute’s Lisa Gissing talks to Rachelle Towart about her journey and the importance of planning and money management in running a successful business like Pipeline Talent.
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Investing in shares.
Investing in shares is becoming more accessible to a greater number of investors through online share trading platforms. However, the usual risks still apply so it pays to understand what you’re investing in, and why, to help achieve the financial goals you’re after.
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Investing for beginners.
There’s a lot to consider when you’re deciding to invest for the first time. We’ve put together a comprehensive guide of what you need to know before investing.
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Humbugging.
Have you got family or friends asking for money? Are you being Humbugged? Read Coen, Jean, and Kirra’s stories along with some tips to consider in protecting your money.
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National Reconciliation Week.
With National Reconciliation Week between 27 May and 3 June, we speak to Michael Mieni, Suzi Hullick and Alinta McGuire from Westpac about their thoughts on the importance of this week and how everyone can play their part in taking action towards Reconciliation.
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Building financial confidence in Indigenous communities.
As accredited Financial Wellbeing Champions with Westpac’s Davidson Institute, Darren and Leigh deliver financial education to Indigenous communities. Read why they joined the program and the impact the education is having locally.
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Celebrating 10 years of helping people build financial confidence!
The Davidson Institute is excited to be celebrating its 10th anniversary of helping Australians build their financial confidence and work towards a better financial future.
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Buy Now Pay Later
Buy now pay later services like Afterpay and Zip Pay allows you to buy something now and pay for it later. It’s important to understand these services and how they work before you sign up so you don’t end up like Kylie in this article.
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Living on a reduced income, or on JobSeeker, after the end of JobKeeper payments.
The Australian Government has ended Job Keeper and made Job Seeker changes that may affect your income support payments.
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Financing an investment property.
One of the keys to successful investing lies in understanding what you are looking to achieve from the investment, or what your strategy is. Getting your finance structured in a way that suits your investing strategy plays a large part in successfully investing in property.
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IWD2021 #Choosetochallenge … financially.
This year's theme for International Women's Day is #Choosetochallenge. Our challenge for you from the Davidson Institute is to boost your financial confidence, Not only does this help improve your own financial wellbeing but it has potential benefits for the broader community too.
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Leasing vs buying a car
Buying a car is a big decision but could leasing be the better way to go? Discover the pros & cons of each to help find the best option for you.
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Opening a bank account checklist.
Need to open a bank account? This handy checklist can help you prepare what you need.
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Cheers to new Indigenous entrepreneurs’ model.
November 2020
Sobah, the first non-alcoholic craft beer company in Australia, is tapping into what’s shaping up as one of the fastest growing beer sub-categories. Meeting strong demand for their products, however, has meant finding the funds to expand operations, a challenging prospect for the small, largely self-funded business. But Sobah recently secured a big win by becoming the first business to benefit from a newly formed partnership between First Australians Capital (FAC) and Westpac aimed at backing emerging Indigenous businesses.
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Business trends and challenges for the 'new now' after coronavirus.
A ‘new now’ is upon us, and Australian businesses are facing a dynamic environment. Prepare for the future with our coronavirus predictions for businesses.
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Digital card – Shopping with your mobile phone.
Imagine going shopping with just your mobile phone. It’s now possible with digital cards. This article explains what a digital card is and how to use it.
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Sustainable growth.
Rapid changes to the market can provide significant growth opportunities however if you dive in too quickly, the growth may be more harmful to your business than beneficial. This video covers understanding the impact of rapid growth on your cash flow, how to fund the required increase in assets, and how to measure the long-term effects on your business’s finances.
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Maximising profits.
Every business owner is in business to make a profit. If you're looking for ways to work smarter instead of harder, and maximise the return you’re getting for your hard work, then our video may be for you. We'll help you better understand the relationship between price, volume, and costs; managing costs; and maximising returns.
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Freeing up your cash flow.
Keeping cash flowing freely is essential for every business. However, there are many places that cash can 'hide' in your business and slow down cash flow. This video provides hints and tips on where your cash may be getting caught up and how to free it up to help your business operate more efficiently.
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Getting to know the 'new norm'.
Businesses face a very different landscape in 2021. To continue to thrive or even get back on track it’s important to take some time to become familiar with the 'new norm'. This video covers tools you can use to explore how things have changed so you can identify where there may be new roadblocks or opportunities for your business.
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How to refinance your home loan.
If you’re one of the many people considering refinancing, this article covers some key consideration to keep in mind to help you make an informed and beneficial decision.
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My money planner.
A money plan can help you manage your money today and save for the future.
This money planner takes you through a simple step-by-step process to help build a budget that can support you and your family to achieve your money goals.
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Helpful tips to avoid a ‘silly season’ financial hangover.
December 2020
The ‘silly season’, as it’s affectionately known, means different things for different people but it generally brings with it many costs that aren’t part of our everyday. This article shares some simple tips to help manage the extra costs to help you avoid starting the new year with a financial hangover.
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Business Innovation Strategies - The Why and the How.
Grow your company further with the power of business innovation. Learn a range of strategies that you could implement in your business.
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Jargon Buster: What is a guarantor?
Finding that 20% deposit for your home isn’t easy however there are ways that your family could help. One way is by acting as a guarantor to help secure your home loan. Find out more by watching our Jargon Buster video.
Watch 'What is a guarantor' now
Money Diary.
Understanding where your money goes can help you take control and create opportunities for you and your family. A money diary may be useful to help identify how you're using your money. Download your money diary today to help you achieve your money dreams and goals.
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Financially fit through COVID-19.
COVID-19 has brought many changes to our lives and also to our finances. This video discusses some tips and tricks that might help you and your family manage your money at this time.
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Cheers to new Indigenous entrepreneurs’ model.
Sobah, the first non-alcoholic craft beer company in Australia, is tapping into what’s shaping up as one of the fastest growing beer sub-categories. Meeting strong demand for their products, however, has meant finding the funds to expand operations, a challenging prospect for the small, largely self-funded business. But Sobah recently secured a big win by becoming the first business to benefit from a newly formed partnership between First Australians Capital (FAC) and Westpac aimed at backing emerging Indigenous businesses.
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Lump Sum of Money: Managing & Protecting.
Have you recently received a large amount of money? Check out some hints and tips that may help you and your family manage and keep your money safe today and for tomorrow.
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Always was, Always will be – NAIDOC week 2020
NAIDOC Week this year begins on November 8th. We recently caught up with a couple of Westpac Group employees to get their thoughts on what NAIDOC Week means to them and how money management and education can play an important role in helping to sustain the caring for land.
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Experts Angle: Helping you stay safe from scammers.
Greg Gebhart from the ESafety Commissioner talks through a number of common questions from what a scam is, to different types of scams and what you can do to help protect you and your money from scammers.
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Managing Money guide.
There are many reasons finances can get off track but it’s important to take steps to get back on track as soon as possible. Our Managing Money guide is a step by step aid to help you get your finances back under control.
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Helping you stay safe from scammers.
Have you been scammed? Be aware. Protect you and your family. Check out our 6 tips to help keep you and your money safe.
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How to Budget and Save on a Low Income after JobKeeper.
As new JobKeeper changes take effect, it’s important to learn how to budget and save on a low income.
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How the bank can protect my money.
There are a number of ways the bank can help you to protect and keep your money safe. How does the bank really know that they are dealing with you? What can you do to also help protect your money. Here are a couple of handy hints.
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A quick guide to effective financial governance.
This guide helps to understand basic governance requirements of a not for profit organisation.
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Why do I need superannuation?
Superannuation is simply long-term savings for your retirement but as such could be the most important investment in your lifetime. View our jargon buster video to learn more about superannuation and making the most of it.
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How does compound interest work?
Discover how compound interest works and how it can help you grow your wealth over time. Watch the jargon buster video for more information.
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What is Lender's Mortgage Insurance?
Using Lenders’ Mortgage Insurance is one way to reduce the amount of deposit you need to save to buy a home. Watch the jargon buster video to find out more about how it can help you get into a new home sooner.
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Bankruptcy. What does it mean?
Bankruptcy is another term for personal insolvency ie you’re unable to pay your debts. Find out more in our Financial Jargon Buster video on Bankruptcy.
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What is taxable income?
The amount of income tax you’re required to pay is based on your Taxable Income. Find out more about how your Taxable Income is calculated by watching this financial jargon busting video.
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Why is my credit score important?
Your credit score is vitally important when you want to borrow money. Watch this jargon buster video to find out what it is and how to keep yours healthy.
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Cash flow is the lifeblood of your business.
Cash flow is the life blood of any business and keeping it flowing efficiently is important to making the business sustainable and profitable.
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13 tips for effective stock management.
With much of their working capital tied up in stock, it is essential that businesses manage that stock efficiently to support their cash flow.
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Improving cash flow through better debtor management.
Effective debtor collection is a key component of improving your cash flow and potentially your bottom line too.
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Good spending habits.
Good spending habits can help you build new opportunities for you and your family. This short video explores some hints and tips for developing good spending habits.
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My money plan.
By looking at the money coming into your bank account and how you spend that money you can start to build your own money plan, or budget, for the future. This short video explains how.
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Ready for business?
A robust business plan and sufficient funding help to form a solid foundation when starting a business.
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7 innovation essentials for community organisations.
Not for profit organisations can benefit greatly from taking an innovative approach to facing the many challenges present in today’s society.
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Small business start-up costs.
There are many costs involved with starting and running a business. Don’t be among the many new owners who underestimate just how much money they’ll need.
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5 good governance essentials for not for profit organisations.
Governance is critical for community organisations, to focus on the activities that contribute most to their mission, use their resources effectively and ensure they are managed in the best interests of stakeholder groups.
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Planning your finances for retirement.
Do you know what you want your retirement to look like? Do you know how much money you’ll need to support that lifestyle? Do you have a plan for how you’re going to get there? Our ‘Planning your finances for retirement’ video aims to help you plan for the financial future you want.
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Investing in property.
Investing in property is one way of achieving your goal of increasing wealth but as with any investment it comes with a level of risk attached. If you’re considering investing in property it pays to understand the pros and cons.
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Investing.
Want to invest but unsure where or how to start? Investing is one way to create wealth and achieve your financial goals but for many new investors it can be a daunting prospect. Our ‘Investing’ video will walk you through investment strategy, the many investment options available, and how to choose the right one for you.
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Managing your super.
Superannuation will be one of our most important assets when it comes time to retire. Why then do we not pay it more attention now to work towards a better financial future? View our 'Managing your super' video to learn 5 simple things you should know about your super.
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Managing your home loan to get ahead.
There is a perception that a home is a place we live in, and an investment property is something that we make money from. But your home is not just your castle, have you thought about how to leverage it to finance things such as investments, education and more?
Our video 'Managing your home loan to get ahead' will focus on how you can use your home to grow your wealth and ways to help you achieve your financial goals.
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Buying your first home.
Are you in the market for your first home? Not sure where to start or what information to look for? Watch our 'Buying your first home' video and learn what steps you need to take to help buy your dream home.
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Planning for your financial future.
Many people have a very clear vision of how they want their life to play out from a personal perspective and a career perspective. This 'Planning for your financial future' video takes a high level, long term view of a financial plan that can help you to achieve your life goals.
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Money Diary.
Understanding where your money goes can help you take control and create opportunities for you and your family. A money diary may be useful to help identify how you're using your money.
Download now
Budgeting.
A budget is an empowering financial tool that can help you take control of your money and financial future. But how can you create a budget that truly works for you?
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Budget Planner.
An essential part of any financial plan is a budget. The Budget Planner is a 1-page step-by-step guide to help develop an effective budget to help you achieve your financial goals.
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Managing Money guide.
There are many reasons finances can get off track but it’s important to take steps to get back on track as soon as possible. Our Managing Money guide is a step by step aid to help you get your finances back under control.
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Borrowing money.
Borrowing money can enhance your lifestyle or increase your investment opportunities. Using credit wisely can help us to get ahead however if not managed well it can have a negative impact on your financial future.
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Teaching kids about money.
Managing money is a fundamental life skill so it makes sense to start teaching that skill from a young age.
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Planning for your financial future.
Many people have a very clear vision of how they want their life to play out from a personal perspective and a career perspective. Often, however, they don’t take the next step and look at the finances to support that vision.
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My money plan.
A budget is an empowering financial tool to help you take control of your money and financial future. But how do you create a budget that truly works for you?
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Good money management booklet.
Ruby Connection and the Davidson Institute have partnered to develop the Good Money Management booklet. In this booklet, we’ll show you how to track your expenses, save and budget, and set yourself up for a stronger financial future. It also provides some great information on getting paid, superannuation, and tips for protecting your financial future.
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Be credit healthy.
Borrowing is just one tool that we can use to get the things we want. But when is the right time to borrow? And how do we ensure we are not ‘borrowing ourselves into trouble’?
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A guide to regaining your financial independence.
Many of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 2 from a series of 3 guides to help you navigate through this difficult time.
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A guide to protecting yourself from financial abuse.
Many of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 1 from a series of 3 guides to help you navigate through this difficult time.
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A guide to rebuilding your financial future.
Many of us find managing our finances difficult at the best of times, but these challenges are often amplified if you’ve experienced domestic and family violence, including financial abuse. This is module 3 from a series of 3 guides to help you navigate through this difficult time.
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Guide for Community Financial Officers.
The Guide for Community Financial Officers is designed to help Financial Officers of community organisations, of all shapes and sizes, to take on the role with greater knowledge and confidence and to help Board Members to understand what is required of a Financial Officer.
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Financial governance for NFPs.
As demand for services increases and the available funding decreases it is vital that not-for-profit organisations ensure that their financial governance passes muster. Watch the Financial Governance for NFPs video to find out more about this important aspect of your organisation's governance.
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7 financial tips for NFP's - video.
Do you run or are involved with a Not-For-Profit organisation? Watch this video to discover 7 tips to become more financially and business savvy when it comes to your NFP.
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Transferring money overseas.
There are many reasons why, once you have arrived in Australia that you may need to transfer money overseas. There are a number of different ways you can do that.
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Tax in Australia.
If you work in Australia, you will most likely pay a portion of your pay to the government in the form of taxes. These taxes are then used to provide services such as roads, health, and education. Having a basic understanding of the taxation system helps you make sure you are paying the right amount of tax.
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Superannuation in Australia.
Australia has a retirement savings scheme known as superannuation. If you are working in Australia then you will be required to participate. This video briefly explains what superannuation is and how you can make the most of these long term savings.
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Financial first steps in Australia.
This ‘Financial first steps in Australia’ guide aims to help you understand more about the financial system in Australia and how to manage your money in your new home.
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Cost-cutting checklist.
With many incomes reduced due to COVID19, we've put together a handy cost-cutting checklist which may help to ease some of the strain on your finances.
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Understanding financial statements.
Financial statements contain a wealth of information that savvy business owners can use to improve their business performance. Our 'Understanding Financial Statements' video helps unlock this information so you can better understand the numbers in your business.
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Starting a business.
The prospect of starting your own business can be thrilling but daunting at the same time.
Whether it’s a desire to be your own boss, or turning a passion into a job, there are many things to consider if you are thinking about starting a business.
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Managing cash flow.
Want to learn to make the most of your cash flow? Or how to find cash that’s hidden in your business? Then view our 'Managing cash flow' video where you’ll learn simple ways to monitor and improve your cash flow.
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Business planning.
Is your business plan a living and dynamic document that keeps your business on-track? Watch our 'Business planning' video and ensure that you’re taking the essential steps to successful business planning.
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Using breakeven analysis.
Discover how you can use breakeven analysis to make important financial decisions in your business by watching our 'Using breakeven analysis' video.
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7 steps to business success.
From managing cash flow, business planning through to managing growth and more, this webinar has the information you need. Watch our video to discover the 7 steps you can take to business success.
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Managing business growth.
Growth in sales and profit is often seen as the primary goal for any business, however if rapid growth is not managed well it can be detrimental to a business. Watch our ‘Managing business growth’ video to discover practical tips and tools to help prepare your business for sustainable growth.
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