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Budgeting, Cashflow, Finance Planning, Risk Management, Uncategorized

Why Everyone Needs an Emergency Savings Plan—And How to Start One

July 31, 2025

Life is full of surprises, and it can throw us the occasional curveball just when we seem to be cruising along nicely. An unexpected illness, job loss or mega-bill can catch us unawares, and a difficult situation can become overwhelming with no emergency savings plan in place.

Inflation, job market uncertainty and the prospect of economic downturns seep into the psyche, making us uneasy and anxious about the future.

Take back control with the help of a Brisbane financial planner you can trust. Experts in financial risk management, PAC Financial has you covered.

"Financial
Budgeting, Finance Planning

Financial Resilience Through the Holiday Season

December 9, 2024

It is a special time of the year, between the joy of giving and taking that much-needed holiday break, it’s easy to lose track of expenses. With financial pressures continuing to challenge household budgets, January could arrive with lingering financial burdens. With some planning it doesn’t have to be that way. You can balance financial security with festive fun this holiday season.

The key is to focus on what you can control – Making Christmas joyful without overspending.

"Learning
Budgeting, Finance Planning, Retirement Planning

Learning to Live Within Your Means

June 21, 2024

Living within your means is sound advice when you’re building wealth and saving for retirement. But what does it really look like once you’ve retired?

The principle largely remains the same: spend according to your resources. However, in retirement, your focus shifts to balancing your lifestyle with the resources you have available—such as accumulated savings, superannuation, and potential social security benefits. In essence, it’s about avoiding spending beyond your means while still enjoying your retirement.

"Financial
Budgeting, Retirement Planning

Financial Planning in Your 50s: Your Top Priorities

April 21, 2024

The older we get, the faster the clock of life seems to tick. If you haven’t planned for your future by your 50s, you could find yourself breaking out in a cold sweat. But fear not, it is never too late to start planning for retirement.

Financial planning in your 50s is a golden opportunity to supercharge your future and build a healthy income for your later years. Read on for the tips you need from our Launceston financial planning team.

"Navigating
Budgeting, Debt Management, Finance Updates

Navigating the Era of Rising Interest Rates

July 17, 2023

If you have a mortgage, the mere mention of interest rates is enough to make your blood pressure go through the roof.

To an extent, overwhelming emotions in the current financial climate come from having a lack of control. An era of low, carefree mortgage rates would appear to be behind us, at least for the moment.

So, how can we mitigate the pressure that rising interest rates put on our financial future? Find out as we show you how to get clever in an attempt to turn interest rate hikes to your advantage.

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