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What’s a ‘sleep debt’? Can I ever pay it back? An expert explains
Maybe you’re a new parent or someone who lies awake at night. If so, you may have started to worry you’re not getting enough sleep. Sleep wearables don’t help. They can show your “sleep debt”, a running total of how far you’ve fallen behind. But the word “debt” assumes your sleep works like a bank account. It assumes lost hours stack up, carry over, and you must eventually repay them in full. But sleep doesn’t really work this way. And chasing “enough sleep” may not be helpin
Intuitive Financial Services
Aug 28


Circadian Rhythm 101: Unlocking the Secrets of Your Body’s Natural Clock
Imagine two people… Sarah and Jake. Sarah maintains a consistent sleep schedule, going to bed at 10 PM and waking up at 6 AM every day. She starts her mornings with a walk outside, soaking up the morning sunlight, which helps reset her internal clock. Throughout the day, she stays active and eats meals at regular times. In the evening, she winds down with a relaxing routine, avoids screens before bed, and keeps her bedroom cool and dark. As a result, Sarah falls asleep easil
Intuitive Financial Services
Jul 27


Support at Home personal care contribution changes
The Support at Home program was introduced in November 2025 and replaced the Home Care Packages Program and the Short-term Restorative Care Programme. This completely changes how older Australians access in-home care. Additional changes have been introduced since, which means that the Australian Government will fully fund personal care services if you have been assessed and approved for Support at Home funding. You will not pay out-of-pocket costs for personal care services
Intuitive Financial Services
Jul 14


Blue Zones: lessons for living longer
For years, the idea of “Blue Zones” captured the world’s imagination. Certain regions such as Okinawa, Sardinia, Ikaria and Nicoya were said to be places where people routinely lived past 100 years old in good health. The promise was simple and compelling: follow their lifestyle, and a long, vibrant life might follow. In recent years, however, that story has become more complicated. A necessary reality check New research has raised questions about the original Blue Zones clai
Intuitive Financial Services
May 25


How to access aged care assistance at home
Ageing comes with wisdom, experience and a lifetime of stories, but it can also bring new challenges. Tasks that once felt effortless may now require support, and while many people assume the only option is moving into residential care, that isn’t the case. You can often receive the help you need while continuing to live safely and comfortably at home. This article explains how to get started. Getting aged care support through My Aged Care My Aged Care is the Australian Gover
Intuitive Financial Services
Feb 16


Easy ways to boost your credit score
Most Australians are only vaguely aware – or completely unaware – of the fact that credit-reporting agencies monitor their financial transactions. While most Australians don’t give much thought to what’s on their credit report, the credit score that’s based on the contents of that report can have a significant impact on your financial choices. A modest score may mean you miss out on getting a mortgage or business loan. There’s no shame in relying heavily on your credit card o
Intuitive Financial Services
Feb 11


Less hibernate, more activate
When the temperature drops, it feels like more of an effort, but getting outdoors, even when it’s chilly, can do your brain and body a...
Intuitive Financial Services
Jul 25, 2025


How Home Care Packages can help reduce entries to hospital
Home Care Packages (HCPs) play a vital role in reducing hospital entries by providing tailored care that promotes health, safety and independence. We’ve listed seven ways that HCPs cut hospital admissions out of the picture.
Intuitive Financial Services
May 12, 2025


"Die with Zero" by Bill Perkins (Tim's Book Club #4)
Getting all you can from your money and your life

Tim Wortlehock
Jun 20, 2024


Three reasons why thinking optimistically is so important to achieving a positive mindset
It doesn’t matter what you do or where you’re from – optimism is something that can help you in many cases.
Intuitive Financial Services
Jan 24, 2022
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