Total & Permanent Disability

What exactly is “disabled”? On the face of it, this question would seem a relatively straightforward one to answer, one would think…   Trust insurance companies to make this one of the most argued over and convoluted issues when it come to insurance, and Income Protection, in particular. The same can be said about Total…

The Importance of Budgeting!

I hate to sound dramatic here but one of the simplest financial matters in life is also the most important; a BUDGET!!! (I threw the exclamation marks in to add more drama) At the very heart of it, it is incredibly simple; “Spend less than you earn.” On your journey through Uni, most of you…