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<p class="greenHeader">Turn over a new leaf</p><p><em>Provided by Mercer<br />18/1/10</em></p><table width="100%" cellpadding=0 cellspacing=0 border=0><tr valign=top><td width="100%"><p><p><strong>The start of the year is a great time to take stock of your finances by reviewing the past twelve months and planning for the year ahead.</strong> </p><p /><h2>Review</h2><p /><p>By looking back on your finances from the past year, you can get a sense of what you have accomplished, as well as identify areas for improvement. Review your saving and spending patterns, return on investments and progress against your financial goals. This exercise can help to give you ideas for your current year goals.</p><p /><h2>Budget</h2><p /><p>Document a detailed, realistic budget that sets out allowances for housing, transportation, debt repayment, savings and investments, and day-to-day expenses. Developing your budget with your partner is a good way to ensure it is achievable.</p><p /><h2>Set goals</h2><p /><p>In addition to setting savings and investment goals, you may consider an overseas trip, upgrading your car or moving house. Then work out how your goals sit within your budget.</p><p /><h2>Housekeeping</h2><p /><p>Make a list of any administrative tasks that need doing – like making or updating your will, consolidating your or your spouse’s super accounts, or updating your address details with financial institutions – then starting ticking them off.</p><p /><h2>Like some advice?</h2><p /><p>Mercer financial advisers can assist you to develop a financial plan to help you get on top of your finances. To make an appointment to discuss your needs, please contact us on<br /><strong>1800 633 403</strong>. The initial consultation is free of charge.</p><p><br /></p><p><table width="100%" cellpadding="0" cellspacing="0" border="0">
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<p> </p><p><strong>IMPORTANT</strong><p><span id="disclaimer">Mercer, MINL and their directors, employees and agents (collectively ?Mercer Parties?) do not accept any responsibility for or arising in any way (including for Mercer Parties? negligence) for errors, omissions or otherwise for any loss or damage of any kind at all (including consequential loss) arising directly or indirectly out of this information.</span></p><p><span id="disclaimer">This information has been prepared by Mercer (Australia) Pty Ltd ABN 32 005 315 917 for general information only. The information does not take into account your personal objectives, financial situation or needs. Therefore, you should not act on this information if you have not considered the appropriateness of this information to your personal objectives, financial situation and needs. You should consult a licensed or appropriately authorised financial adviser before making any investment decision.</span></p></td><td><img src="/images/spacer.gif" height=1 width=20 border=0 alt=""></td></td></tr><tr><td></td></tr></table>

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This website is provided by Mercer (Australia) Pty Ltd (Mercer) ABN 32 005 315 917 as corporate authorised representative #260851 of, and on behalf of, Mercer Investment Nominees Limited (MINL) ABN 79 004 717 533, Australian Financial Services Licence #235906. MINL is the trustee of the Mercer Super Trust, ABN 19 905 422 981 (which includes the Corporate Superannuation, Personal Superannuation and Allocated Pension Divisions), the trustee of the Mercer Portfolio Service Superannuation Plan ABN 92 181 844 838, the responsible entity of the Mercer Portfolio Service Investment Plan and a wholly owned subsidiary of Mercer. Allocated Pensions and Transition to Retirement Allocated Pensions are provided through the Allocated Pension Division of the Mercer Super Trust. Mercer provides the Mercer Self-Managed Super Service (the Service) as a corporate authorised representative of MINL. Please refer to our Financial Services Guide. 'Mercer Wealth Solutions' and the petal logo are registered trademarks of MINL. Mercer financial advisers are authorised representative of MINL. This website contains general financial product advice which has been prepared without taking into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement for any of the products referred to in this website or the Product Information Statement for the Service and obtain advice from a licensed, or appropriately authorised, financial adviser before making any decisions concerning any of those products or the Service. For details on obtaining a Product Disclosure Statement for any of the products referred to in this website or the Product Information Statement for the Service refer to the website or contact 1800 633 403. © 2010 Mercer (Australia) Pty Ltd.