Maximise Cash Wealth Management Debt consolidation advice – We can advise you on ways to better manage the debt you may have and often you can reduce the payment terms of your loans without paying any more. Create a budget (click here for our template) I know we all have a big yawn when we hear of budgets, and people think that they will not be able to have the things they want, but this is not true at all. We have found that once people know where they are spending their money they are better positioned to save effectively for the things they want the most, so sort yours today. Debt recycling – This is where you aim to increase the debt you can make deductions against and reduce the debt that you cannot deduct against. Learn how to pay off your home sooner and build an asset at the same time. Managed funds – Take the hassle out of investing, by utilising a number of fund managers in different asset classes. This is an ideal way to save for a child’s future education. Salary Sacrificing – This can dramatically alter your long term lifestyle and put you in a better financial position, some industries can sacrifice more than just superannuation. Cash accounts - Most people have a cheque or savings account, does yours pay you interest? Cash Management Trusts can earn interest on money held in bank accounts, even on your trading account. An excellent vehicle if you are saving for a holiday or other specific purpose. Accounts can come with eftpos and cheque facilities. Self Managed Superannuation Funds Cash accounts & managed funds can compliment your current assets in super . Most people have a cheque or savings account, does yours pay you interest?