1. Why Budgeting Matters Now The ABS reports CPI at 5.1%  in October 2025—its highest in four years. With food, fuel and rent climbing, a clear money-management plan helps you avoid debt and build savings. 2. The 50/30/20 Rule Explained 50% Needs:  Rent/mortgage, groceries, utilities—non-discretionary outgoings. 30% Wants:  Dining out, subscriptions, travel. Adjust down if needs swell. 20% Savings:  Emergency fund, debt repayment or investment into an offset account. Calculat

For many Australians, tax time is a once-a-year chore: gather your documents, lodge the return, and forget about it until the next July.But the most successful individuals and business owners don’t treat tax that way. They treat their tax agent as an ongoing strategic partner —just like their financial planner, accountant, or business adviser. At Proactive Tax Advisors , this is the framework we recommend. Here’s why. 1. Taxes Don’t Start in July – They Start With Your Life D

By Proactive Tax Advisors As the year winds down and businesses gear up for the holiday season, November often becomes one of the busiest months. But it’s also one of the most underrated opportunities for smart tax planning and financial organisation. At Proactive Tax Advisors , we encourage clients to use November as a “reset month” — a chance to step back, review performance, and prepare for the second half of the financial year with confidence. Here’s why a November financ

By Proactive Tax Advisors As we move toward the end of 2025, now is the perfect time to set up simple tax habits that will make next year smoother and more rewarding. At Proactive Tax Advisors , we believe good tax outcomes don’t happen by chance — they come from small, consistent habits that keep your finances organised all year round. Here are five smart habits to start now. 1. Review your bookkeeping system Whether you use Xero, MYOB, QuickBooks or Excel, your bookkeeping

By Proactive Tax Advisors We’re halfway through the financial year — and November is the sweet spot  for smart tax planning. It’s far enough from June to give you time to make changes, yet close enough to see how your year is tracking. At Proactive Tax Advisors , we encourage clients to use this time to take control of their tax position before the busy year-end rush. Here’s what you should focus on right now. 1. Review your income and expenses so far Don’t wait until June to

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