1. Look after your future self

Superannuation is a way to save for your retirement. When you are a Contractor or Self-Employed, Superannuation is essentially your own obligation. There is no employer squirrelling away your 9.5% for you every pay run. Treat yourself as an employee and put Super away each year to ensure you can live comfortably in retirement.

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Are you currently living with your partner in a relationship without the accompanying “ball and chain” of marriage?  Are you in a committed relationship but maintain separate residences?  Do you sleep at each other’s house each week but have not “officially” moved in together?

Under Australian Law, de facto couples have substantially the same rights and liabilities as married couples, with regard to property settlements during separations. This includes claims for spousal maintenance and superannuation “splits”.

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