Summer is nearly here! The days are getting longer, and there’s a buzz of excitement in the air. November is the calm before the holiday storm, and it's also an ideal time to set a plan for your finances as the year wraps up. Here’s a quick update on what’s happening in November to keep you informed, ready, and excited!

Interest Rates: What’s the Latest from the RBA? The Reserve Bank of Australia (RBA) is meeting this week to discuss interest rates, which could impact loans, mortgages, and savings plans. After a year of economic twists and turns, this meeting has everyone’s attention. We’ll keep you posted on any changes that come out of it, so stay tuned to see if your financial goals need any tweaking!

US Elections: Why Should We Care? You might wonder why the US elections matter for us here in Australia, but they do impact our economy more than you might think! Global markets are connected, and changes in US leadership or policy can ripple across the globe. If you’re investing internationally, this is something to keep an eye on. It’s also a reminder of how events around the world can influence our financial landscape.

Black Friday: Deals, Deals, Deals! Black Friday is coming up on November 29th, and it’s a great chance to grab bargains on holiday gifts and even everyday essentials. However, a tip from us – create a spending plan! It’s easy to get swept up in the excitement, but being strategic with your purchases will help you avoid a post-shopping hangover. Look for deals on items you’ve been planning to buy anyway, and stick to a budget!

Countdown to Christmas! With just a month and a bit to go until Christmas, now is a good time to think about your holiday budget. From gifts to travel and family dinners, the expenses can add up fast. Setting a plan in November can help avoid last-minute stress. Pro tip: start putting aside a little each week, so you’re ready to enjoy the festive season without the financial worry.

That’s it for November! As always, the team at Fortified is here to help you stay on track, make smart choices, and enjoy every moment with peace of mind.

Have a fantastic month and enjoy the sunshine!