Having good money habits is a lot like eating healthily – we all know it’s a great investment in ourselves and our future but that doesn’t mean we always do it.

If you’re like a lot of Australians, saving and investing your money can seem daunting, time consuming, stressful or inconvenient. However, if you take the time now to create an effective financial plan, your money can work for you now and in the future.

At Health & Finance Integrated our experts can work with you to create a savings and investment plan that will benefit you and your family for years to come. As an ethical financial planning firm, we will also work with you to ensure your investments are doing good for the world, as well as for you.

Our initial consultation comes at no charge unless otherwise agreed, so contact us today to chat with one of our experts.

Select from one of the categories below for some general advice to get you started saving and investing, and to find out more about how we can help you.

Call us today on 1300 10 44 99 or email us at info@healthfinance.com.au. You may also send a text message to 0408 414 497 to connect with us.

If you’re starting to plan for your retirement, click here to find out how we can help

Young People

Saving and investing money can be an intimidating task for anyone. It can be especially daunting when you’re young and things like buying a house, having kids or retiring seem like a lifetime away. However, by making a few small adjustments now you will develop positive habits and build a sound financial plan that will benefit your future. At Health & Finance Integrated we recommend you:

  • Set yourself specific, and realistic financial goals
  • Create a budget and stick to it
  • If possible, set 10% of your income aside in your savings account as soon as you receive your pay (or a set amount you can afford)
  • Put some savings in a high interest earning account
  • Start investing in “blue chip stock”– the stock of well-established and financially stable companies

At Health & Finance Integrated we work with you today to create an individualised financial plan suited to your particular situation, needs and goals that will provide for your future and protect against the unexpected.

If you’re a young person with a disability or chronic illness we will assist you in establishing a financial plan that will help cover costs in the future and ensure your financial stability if you are ever unable to work.

To discuss your finances in detail and create a financial plan that works for you well into the future, contact our experts today. Our initial consultation comes at no charge unless otherwise agreed.

Call us today on 1300 10 44 99 or email us at info@healthfinance.com.au. You may also send a text message to 0408 414 497 to connect with us.

Find out more about protecting your financial future

Families

If you’re a parent then you know all too well the effort it takes to juggle childcare, school fees, a mortgage and a career, all while trying to maintain a healthy lifestyle. It can often seem like your savings exist just to pay for the next immediate expense – such as dental care or car repairs ­­– and putting anything aside for your and your family’s future can feel impossible.

If you’re a parent of a child with special needs, you’re likely to be even more acutely aware of the need to set aside money to protect and provide for your child in the future. Unfortunately, however, being more aware doesn’t give you more hours in the day to focus on your finances.

Below we have listed quick tips to make saving and investing a less time consuming and overwhelming task for busy families:

  • Track your expenses for a month and find out where you’re spending the most
  • Calculate your essential living expenses and create a realistic budget
  • Find family activities in your town or city that are offered for free
  • Work toward having an emergency fund with at least six months’ worth of living expenses
  • If possible, set 10% of your income aside in your savings account as soon as you receive your pay (or a set amount you can afford)

At Health & Finance Integrated we help you create a detailed and effective financial plan that will benefit your and your family’s future without eating into your spare time. Our initial consultation comes at no charge unless otherwise agreed.

Call us today on 1300 10 44 99 or email us at info@healthfinance.com.au. You may also send a text message to 0408 414 497 to connect with us.

Find out more about protecting your family’s financial future

People in midlife

After years of building a career, raising a family, or both, you may have reached middle age and found you just don’t have the savings you thought you would by now, if indeed you have any at all. This can be a stressful realisation. The important thing to appreciate is that it’s not too late to start.

Fortunately, for many people their prime earning years occur between midlife and retirement, and by following some of the general advice below you will begin to get your finances on track:

  • Establish what your living expenses are
  • Set a strict budget and stick to it
  • Set an aggressive but realistic savings goal
  • If possible, set 10% of your income aside in your savings account as soon as you receive your pay (or a set amount you can afford)
  • Consider downsizing to a smaller house or cheaper car
  • If you don’t think you can save enough, consider the possibility of working part time after you were planning to retire.

Contact us today to discuss your finances with our experts and to get the maximum future benefit out of your current earnings. Our initial consultation comes at no charge unless otherwise agreed.

Call us today on 1300 10 44 99 or email us at info@healthfinance.com.au. You may also send a text message to 0408 414 497 to connect with us.

Learn how to ensure that the assets, investments and savings you have are protected

If you’re starting to plan for your retirement, click here to find out how we can help

Call us today on 1300 10 44 99 or email us at info@healthfinance.com.au. You may also send a text message to 0408414497 to connect with us.