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How much does it cost to raise a child in Australia?

Raising a child will provide you with countless experiences that money can’t buy. But it is still an expensive business. Here’s your guide to the likely cost of raising a child in Australia as sometimes it is hard to stop and think how much does it cost to raise a child in Australia.

With over 300,000 babies born in Australia every year according to the Australian Institute of Health and Welfare, more and more families are adapting to life with little ones. We run through a few of the big milestones to help you calculate the likely cost of kids.i

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5 habits to achieve financial security

Ever looked at a friend who has everything together and thought ‘what’s their secret?’ Here are five habits you can implement to achieve financial security.

Believe it or not, being secure financially doesn’t involve magic or an outrageous stroke of luck.

More often than not, it results from good habits, such as keeping track of your finances, cutting back on expenses, and planning ahead.

Here are five habits you can develop that will help you become the awe of your friends and family.

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Workers Compensation vs Income Protection

Workers Compensation will cover you for some things, but have you also considered Income Protection to ensure you are covered when you need it most?

Whether you’re a white-collar worker hammering away at your keyboard from 9 to 5, or a tradie getting your hands dirty day-in and day-out, you run the risk of getting sick or injured at work.

That’s why every Australian workplace has health and safety obligations: they must provide safe work premises, assess risk and have workers compensation insurance.

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Ways to improve your work-life balance

In what has become an increasingly connected world, where we can be contacted at all times of the day and night, pretty much anywhere in the world, the pressure to be available at the drop of a hat can be considerable and managing that work-life balance becomes much harder. 

But just because we have the means to always be available doesn’t mean that we always should be, far from it.

In an increasingly competitive workplace, we can often feel obliged to go above and beyond what should reasonably be expected of us in order to advance our career, or simply even keep our job. But this approach does neither you nor your employer any favours, as there is a strong possibility that it will ultimately lead to burnout, or at the very least, low employee morale and difficulties in your personal life. But by taking a few easy steps, you can achieve the optimum work-life balance that most of us crave.

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The Financial Survival guide to Divorce

Let’s face it- ‘Happily ever after’ doesn’t always work out and when it doesn’t, what you are left with if not planned out properly is a mess.

Divorce is something that the Australian Bureau of Statistics says affects a number of Australians every year with the below information:

Key points for 2017 include:

  • The number of divorces granted increased by 2,428 (5.2%) in 2017 and the crude divorce rate increased from 1.9 divorces per 1,000 estimated resident population in 2016 to 2.0 divorces per 1,000 estimated resident population in 2017.
  • The median age at divorce for both males and females was unchanged in 2017. For males the median age at divorce was 45.5 years of age and the median age of females was 42.9 years of age.
  • The median duration from marriage to divorce in 2017 also remained stable at 12.0 years.
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Budgeting in the Festive season

We’re at that time of the year again where shopping centres are packed, you’re signing dozens of greeting cards, and your little ones have just handed you a ‘wish list’ longer than they are tall. At the back of your mind, you’re hoping that you did enough budgeting for the festive season coming up. 

It’s easy to get caught up in the consumer frenzy at this time of year. The media  and advertising encourages us to equate spending with generosity, making buying a real emotional issue. From TV shows about the ‘best Christmas ever’ to department store ads encouraging us to give that special someone ‘what they really deserve’, there’s no wonder Australians spend billions every year over the holiday season– averaging around $955 per person, according to ASIC’s Moneysmart.i 

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  • Ronald has always gone above and beyond for getting the best for my husband and I. He is always very punctual and helpful in giving advice. Ronald makes us feel comfortable and that no question is a silly one. I would 100% recommend him to anyone.

    Matthew (32) & Yasna Dench (31)
    Regional Sales Manager | Special Education Teacher

  • I have been working with Ronald for over 6 years. During this time, Ronald has been outstanding in his efforts to improve the bottom line of my portfolio. His continued guidance and enthusiasm makes him the perfect adviser and manager of personal finances.

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    Deputy Harbour Master

  • I found Ronald to be very knowledgeable about all aspect of finance and being very helpful in overseeing my finances and making sure that I will live comfortably for quite a few years to come. his friendly nature comes from deep down and his clients are treated like family. I will not be afraid of recommending Ronald to all my relatives and friends.

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    Retired

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  • Ronald at RP Wealth Management offers an invaluable service to my Estate planning clients by providing professional advice about protecting their family and their wealth with different insurance products in the event of a tragedy. Ronald is incredibly knowledgeable and always provides exceptional customer service to his clients.

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    Solicitor

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