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Tools, tutorials and everyday advice to help you rock your personal finances.

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What Is a Certificate of Deposit? Understanding the Basics and Benefits

Learn what a certificate of deposit is, its benefits, and how to maximize your earnings with Sound Credit Union. Continue reading
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Managing Your Business: Tracking the Flow of Money

Consider using a cloud accounting system that reconciles accounts in real time. Continue reading

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Managing Your Business: Collecting Debts Effectively

Effective debtor management is the best way to keep debt problems to a minimum. Continue reading

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Starting Your Business: Monthly cash flow forecast

A cash flow forecast enables you to be proactive and anticipate cash issues in advance. Continue reading

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Starting Your Business: Business Plan Template

Detailed guidance on completing the various sections of this business plan template can be found at the end of the document. Continue reading

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Starting Your Business: Sources of Small Business Funding

Consider a combination of sources of funds to ensure you have enough capital for a contingency fund, so you do not need to seek additional funding immediately after launch. Continue reading

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Starting Your Business: Raising Capital

Regardless of where you get the capital from, the more prepared you are the better. Continue reading

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Managing Your Business: Reducing Your Overheads

Outsourcing frees you up to spend more time completing activities that grow your business. Continue reading

A young and confident businesswoman smiling at the camera.

Starting Your Business: Step by Step Toolkit Plan

Having a clear idea of your motivation can impact you further down the track and set you up for success. Continue reading

When Should You Take Social Security?

When Should You Take Social Security?

Social Security uses your highest 35 years of earnings to calculate what you are paid. Continue reading

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Managing Your Business: Unlocking the Cash in Your Business

If your business is short of cash, the money you need might already be there locked up in stock, assets or your debtors’ book. Continue reading