(03) 9020 2905

Welcome to Bruce Brammall Financial

Category: Courier Mail

Your five best tips to cut your energy bills

          Cripes, the first two tips are easy, if drastic. Don’t partner up. And definitely don’t have children. The energy company must hate it when I’m home. Lights get turned off and doors get closed. I’m the only person who seems to know how to do either. It’s a full-time job. […]

It’s important to teach kids about managing money. How did/do you do it with your kids?

        From inception. In the womb, my DebtKids were played Money, Money by Grateful Dead, Barrett Strong’s Money (That’s What I Want) and Billionaire by Travie McCoy. There was a money mobile over their cots, and were wrapped in to their snuggly quilts featuring $100 notes. Their first soft toy was “Maisy […]

If you had to cut $100 from your grocery bill this month, how would you do it?

  Is beer a grocery item? If so, easy. I’m done! No, damnit! Why should I be the only one in the house to suffer? Let’s share the pain around. Maybe even more slanted to the DebtKids, as they are non-contributing leaches. (Too harsh?) I have a bigger problem many dads will understand. The only […]

Peer to peer (P2P) lending is on the rise in Australia. What’s your take on it?

              Peer-to-peer lending? If it involves lending to friends and family … are you freakin’ serious! Nothing but horror stories. P2P lending isn’t that. It’s lending to randoms. Via the internet. No emotion. The Terminator. They don’t know who you are. You don’t know who they are. You can’t […]

It’s Dry July at the moment: what’s a financial “vice” that you could cut from your life for a month?

It’s the middle of winter. It’s freezing outside. If this is about sacrifice, I think we could cut out heating at home for the month … … by going to Bali! Which is where I’m writing this from. Cheating? Not in the spirit of things? Financial vices, hmmm. I haven’t got many. When I see […]

What’s better? Tipping money into super or paying off a mortgage?

  Better questions. Who would you rather sleep with? Ladies, Brad Pitt or Matthew McConaughey? Lads, Jennifer Love Hewitt or Heather Locklear? If you’re straight, perhaps you answered a screaming “BOTH!”. If you’re gay or bi, you might have answered two, possibly more. If you’re a Gen Xer and answered one or less … then […]

Australians aspire to own their own home. How do you do it?

Oh, I dunno. Let’s ask a financial expert. The man in charge of Australia’s finances, Treasurer Joe Hockey. “If you’ve got a good job and it pays good money …” Um, Joe, had to punish you for that one again. You walked into it, buddy. The “how” you do it is dependent on only one […]

Which financial professionals do you need in your life?

Hire professionals? Why would a Gen Xer do that? We’re smart enough to do it ourselves. Plus, our careers and kids aren’t terribly time-taxing. We don’t need social lives, or to spend time with our partners. Thpppt! Crazy. Gen Xers need financial professionals, or need their heads read. Outsource the jobs you hate, won’t find […]

What expenses are the easiest to save money on?

Is that the sound of a chainsaw firing up on a Monday morning? Love it! “Chainsaw” Al Dunlap was an American executive legendary for downsizing by sacking staff. Kerry Packer hired him and briefly bought him to Australia. In his honour, I’ll take a chainsaw to my expenses … slash people costs. Personal trainer? Sacked. […]

What is the best piece of financial advice you were ever given?

I’m a melting pot of thousands of ideas that I’ve heard over the years. Singling out one? Whoa. Tough. I learn the most while reading. So the best “advice” I’ve ever received has usually come via books, or the media. And I’ve read some truly crappy advice during that time also. Some so inately offending my […]