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This strategy is a simple and effective method to retire with 1 million dollars on an average wage. The key is consistency.

Work smarter, not harder by pre-planning, organising, and dividing your daily tasks into an effective time management strategy.

We often have more bank accounts than we need, complicating our finances, reducing synergies, and increasing our fees.

Reminders are a great way to ensure you do not miss expiring contracts such as insurance, utility bills, subscriptions, and registrations.

Whether an owner or renter, subletting you could significantly reduce your monthly rental or mortgage payments.

Waiting until EOFY sales can often result in significant savings on purchases.

Underpayment can significantly impact your personal finance over your career. For example, if you are underpaid by just $50 per week for 50 years, you lose out on $130,000.

We think of an emergency fund as a lifeline and not a savings tool, we often fail to consider using the money to make money.

Arguably, a Will is the most important financial asset for yourself and your family.

When you cannot pay your debts having explored every alternative solution, you may consider filing for voluntary bankruptcy.