Enrizen Financial Group

06/10/2026

How much could higher education really cost your family? 🎓

Tuition fees are only one part of the equation.
With accommodation, food, transport and other expenses to consider, planning ahead can make a significant difference. 💰

According to the government’s Study Assist website, a three-year commerce or law degree could be around $50,000 – and that’s just the start. Many Australians believe they can’t afford a tertiary education, but the cost

21/09/2026

Approaching retirement and worried about a period of lower investment returns?
Market downturns can be harder to navigate when you have less time to recover and are starting to draw on your investments. But there are strategies that may help you manage the impact. 💡

From reviewing your investment mix to building a defensive buffer, discover some practical ways to prepare for lower returns. 💰

08/09/2026

When your income changes from month to month, budgeting can feel like trying to hit a moving target. 🎯

For sole traders, contractors and freelancers, a more practical approach can be to build your budget around your minimum reliable income, then put surplus earnings from stronger months towards savings, investments and future expenses. 💰

It’s less about predicting every dollar and more about creating a financial structure that can handle the ups and downs.

Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in their future. But if you’re a self-employed sole trader,

24/08/2026

Could resetting your mortgage to 30 years save you money? 🏠⌛

It could reduce your monthly repayments, but the trade-off may be significantly more interest over the life of the loan. You could also build equity more slowly or risk still having a mortgage when you retire.

Our latest insight looks at the hidden costs of extending your mortgage, plus some alternatives worth considering.

The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service their loan and cope with

11/08/2026

🏡 Your income hasn’t changed, but could your borrowing capacity have?
Your salary is only one part of the picture.

Interest rates, existing debts, household expenses and lending policies can all influence how much you may be able to borrow. Understanding what lenders consider can help you get a clearer picture of where you stand.

It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked, right? Wrong. Your salary is only

28/07/2026

Economic updates aren't just about what happened yesterday. They're about understanding the trends that continue to shape markets today.
Reviewing the key developments from the April to June quarter is a useful way to stay informed and prepared. 📰

14/07/2026

Have you checked your subscriptions lately? 🧐
Forgotten memberships, duplicate services and automatic renewals can quietly eat away at your budget. A simple subscription audit could help you identify expenses you no longer need. 📋

30/06/2026

Have you ever looked at your income and wondered why it doesn't seem to stretch as far as it once did? 💲🤔
You're not alone. Learn what's driving the "middle-class squeeze" and how reviewing your spending habits can help put you back in control in our latest blog.

16/06/2026

How many bank accounts do you really need? 💰
The answer may be more than you think, but probably fewer than you have.
Discover a practical approach to organising your finances in our latest blog article.

02/06/2026

Ever feel like your money disappears before you know where it went? 🤔
A strong budget isn't about restriction. It's about directing your money towards what matters most and making every dollar work harder for you.
Small changes in how you manage money can make a big difference over time. 🌱

The core purpose of budgeting is to control cash flow: cash in, cash out, and what’s left over. Kudos to you if you’ve created a budget where your annual expenditure is less than your annual