With household expenses settling back into a more predictable pattern, ongoing costs such as school fees, insurance premiums and everyday spending can place renewed focus on cash flow. Taking time for a straightforward review of budgeting, superannuation and insurance arrangements can help maintain clarity and support confident financial decisions through the year.

With interest rates rising to 3.85%, managing your money is more important than ever. Learn how to reset your budget, super, and loans for a stable year ahead.

As regular financial commitments return, school fees, insurance premiums and everyday expenses can place pressure on cash flow. A simple early-year review of budgeting, superannuation and insurance can help restore clarity and support smoother financial decisions.

A range of financial changes are coming into effect in 2026, from income tax and superannuation updates to lower PBS medicine costs. Understanding what’s changing and how these shifts interact can help you stay informed and plan with confidence.