Cash flow pressure, debt repayments and super decisions can all feel heavier at this time of year. In this update, Tracy from our team outlines practical steps to build a simple budget, manage debt more effectively, and review your super before 30 June.

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.

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.