Cash Flow Budgeting: Why It’s About More Than Cutting Costs
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
Loyalty Tax – Are You Paying More Than You Should?
Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee. Imagine her surprise, when a friend was off
R&D and startups: refocused incentives (from July 2028)
2026 Federal Budget Proposal R&D incentive changes Focus narrowed to core experimental activities Supporting costs removed from eligibility Higher rebate
Individuals: simpler deductions and targeted cost-of-living relief
2026 Federal Budget Proposal What to know: $1,000 standard tax deduction: removes need to track minor work-related expenses. $250 annual tax offset: applies fr
Business measures: cash-flow support and reporting changes
2026 Federal Budget Proposal Highlights for business owners and finance teams: Loss carry-back reinstated: companies can offset current losses against prior years a
Discretionary trusts: 30% minimum tax from 1 July 2028
2026 Federal Budget Proposal Why it matters: The measure is designed to improve fairness in the tax system and help fund new tax cuts for workers. It reduces the benef
Negative gearing: restricted for established residential property
2026 Federal Budget Proposal Why it matters: For many investors, cash-flow losses on newly purchased established properties will no longer reduce salary or other incom
Capital Gains Tax (CGT): Discount replaced with inflation indexation
2026 Federal Budget Proposal Why it matters: The reform reduces the ability to achieve very low effective tax rates on capital gains and introduces valuation and re
How to Avoid Income Tax Bracket Creep After a Pay Rise
You earn more money; you pay more tax. So far, so fair. But what’s not so fair happens when your wage rise bumps your earnings into a higher tax bracket, even thou