THE ADVISER’S NOTEBOOK
October 2025
Welcome to the October Edition of the Adviser’s Notebook!
As we head into the final quarter of 2025, it’s a timely moment to review your financial strategy and ensure your credit, debt, and investment decisions are working in harmony. This month, we take a considered look at financial health, from managing credit wisely to ensuring every decision aligns with your broader wealth strategy.
This month’s insights explore how to make confident, informed decisions around credit limits, debt management, and personal loans, while also focusing on positive financial behaviours such as steady investing and purposeful saving. We’re also taking a broader view, examining how financial wellbeing contributes to overall life satisfaction and the importance of aligning money decisions with what truly matters most.
Whether you’re optimising existing strategies or exploring new opportunities, these articles are designed to help you approach your finances with clarity, purpose, and control.
At Your Wealth Hub Advice, our team is committed to helping you make informed, strategic financial choices.
If you’d like guidance on refining your credit management, debt strategy, or investment approach, we’re here to support you every step of the way.
Get in touch today to connect with one of our advisers and take the next step toward strengthening your financial health and confidence.
Warm regards,
Gavin Glozier, Grad Dip, Fin Plan
CEO & Principal Financial Adviser
P 1300 763 498 • M 0408 155 140
Level 17, Angel Place, 123 Pitt Street, Sydney NSW 2000
Life the life you want to live.
How To Calibrate Your Target Savings Rate
Finding the right savings rate isn’t one-size-fits-all. This article breaks down how to set a savings goal based on your income, goals, lifestyle, and risk tolerance. It offers helpful strategies like incremental increases, rebalancing expenses, and aligning your rate with your financial objectives whether it's clearing debt, building an emergency fund, or investing for the future. Especially during October’s focus on financial health, this read gives you a roadmap for making your savings work smarter, not harder. Click to learn how to fine-tune your savings rate and make progress toward your goals deliberately.
Personal Loan Statistics: What The Data Reveals About Borrowing
Curious how Australians are using personal loans and what the trends say about debt and household credit? This article shares up-to-date statistics on average loan sizes, interest rates, approval rates, and borrower profiles. For anyone navigating credit, debt and financial health, these insights offer a useful benchmark to see how your own borrowing compares. Click to uncover the numbers behind personal loans and better understand where you stand.
When Credit Card Limits Fly: How To Avoid Going Overboard
It’s easy to slip into “over-limit” territory with credit cards and the consequences can be painful: fees, higher interest, and a ding to your credit score. This article walks through common triggers for exceeding your card limit and offers practical strategies to stay within bounds like setting alerts, tracking spending, and planning for unexpected expenses. For anyone looking to strengthen their financial health, especially during a month focused on credit and debt, this article is a smart must-read. Click through to learn how to keep your balance and your stress levels under control.
Should You Ask To Increase Your Credit Limit?
Thinking about asking for a higher credit limit? Before you do, it’s worth understanding both the advantages and potential pitfalls. Increasing your limit can improve your credit score and provide extra breathing room for unexpected expenses but it can also lead to overspending and growing debt if not managed carefully. This article breaks down when it makes sense to request a credit limit increase, what lenders look for, and how to decide if it aligns with your broader financial goals. A timely read for anyone focused on improving their credit health this October.
How Much Money Does It Take To Be Happy? Insights From Research
Money can’t buy everything, but research shows there’s a threshold where more income has diminished returns on happiness. This article dives into academic studies that explore how much wealth contributes to life satisfaction and where priorities like health, relationships, and time begin to matter more. This read helps shift the conversation: it’s not just about how much income you make, but how well you use and manage it toward a fulfilling life. Click to explore what science says about the “sweet spot” of money and meaning.
Why Making Regular Investments Matters
Building wealth doesn’t always require massive lump sums. Regular contributions can make a big difference. This article outlines how consistent investing (sometimes called “dollar-cost averaging”) helps smooth out market volatility, reduces emotional decision-making, and harnesses the power of compounding over time. For readers focused on credit, debt & financial health this October, it’s a timely reminder that steady habits often outperform timing the market. Click to explore how setting up regular investments can work for you, no perfect timing required.
