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# your life and money matters

your life and money matters

## Sitemaps

- [XML Sitemap](https://www.yourlifeandmoneymatters.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [What is volatility?](https://www.yourlifeandmoneymatters.com/what-is-volatility/) - A quick chat about the meaning of volatility in the share market. "The advice provided on this document is General Advice Only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives,
- [What to do in turbulent financial times](https://www.yourlifeandmoneymatters.com/what-to-do-in-turbulent-financial-times/) - For many we are currently experiencing what feels like the most turbulent financial times we have ever faced. $10 lettuces, Avacados for $1, the world seems truly mad. So what should you do? Well as my clients know, we stay the course. We have a strategy in place and the best thing we can do
- [How ‘market timing’ can cost you](https://www.yourlifeandmoneymatters.com/how-market-timing-can-cost-you/) - Whilst simple in concept, in practice market timing is not so easy. The problem is that, as an old saying goes, no-one rings a bell at the top and the bottom.
- [The Magic of Compound Interest](https://www.yourlifeandmoneymatters.com/the-magic-of-compound-interest/) - Compound interest is the rocket booster that will help you reach your savings goals faster. Put simply, compound interest means you not only receive interest on the money you invest but interest on your interest as well. For this to occur, you need to reinvest all interest payments on your investment. Over time, this simple
- [Toddler Finance](https://www.yourlifeandmoneymatters.com/toddler-finance/) - A short read on setting up bank accounts for kids, what account to set up, how much to add. Learn more about children and money.
- [How to make the most of your savings](https://www.yourlifeandmoneymatters.com/how-to-make-the-most-of-your-savings/) - There are so many ways to save money and we hear about them every day: Stop buying coffeeEat out lessReview your bills regularly and look for cheaper dealsReview your mortgage or ask your bank for a lower rateQuite that gym membership that you never use All valid ways to save, but what is the point
- [Personal finance for business owners](https://www.yourlifeandmoneymatters.com/personal-finance-for-business-owners/) - Whether your business is small or large, paying the bills or smashing it don’t be fooled into thinking that your personal finances are in order because your business is. It’s a common error and totally understandable, as a business owner you probably employ a series of professionals to keep you on track. You’ll likely have
- [Kids & Money](https://www.yourlifeandmoneymatters.com/kids-and-money/) - We talk about how to save for your kids, how to invest for your kids and how to navigate kids bank accounts.
- [The cost of cancer](https://www.yourlifeandmoneymatters.com/the-cost-of-cancer/) - We have all read about or been close to someone who has been diagnosed with cancer and have some awareness of the emotional cost and of course the effect cancer has on your health. But have you ever stopped to think about the financial burden? The below article from the Sydney Morning Herald provides some
- [Want to keep your insurance in Super?](https://www.yourlifeandmoneymatters.com/want-to-keep-your-insurance-in-super/) - Dummy text is text that is used in the publishing industry.
- [Money Tips for Mums](https://www.yourlifeandmoneymatters.com/money-tips-for-mums-2/) - I recently had a great chat with Holly from Motherhood Melbourne about all things money, mums and families. Head over to the #MamasOnAMission Podcast to listen in and see how you can manage your money better! "The advice provided on this document is General Advice Only. It has been prepared without taking into account your objectives, financial
- [Planning for your 2019 Festive Season](https://www.yourlifeandmoneymatters.com/planning-for-your-2019-festive-season/) - Okay it’s only January, you’ve just finished with Christmas and New Years and rumour has it hot cross buns are in stores already. BUT now is the time to plan for your 2019 festive season!Why? Because if you didn’t plan this year there is a fair chance you are in for a big credit card bill
- [Say NO to a post Christmas Financial Hangover!](https://www.yourlifeandmoneymatters.com/say-no-to-a-post-christmas-financial-hangover/) - Don't wake up with a money hangover in January! It can be a stressful time of year; making sure you have presents for everyone, hosting Christmas events, attending Christmas events and if you have children, buying gifts for teachers/carers, gifts for your children and outings to make Christmas time special.How can you achieve (read survive) all of this without
- [Spring Clean Your Finances!](https://www.yourlifeandmoneymatters.com/spring-clean-your-finances/) - Why now? Well, in Melbourne the festive season is starting to warm up, with footy final fever in the air and the Spring Carnival not too far away, it will be Christmas before you know it! Giving your finances some attention now, will give you enough time to sustainably budget for the festive season so that
- [Let's get ethical](https://www.yourlifeandmoneymatters.com/lets-get-ethical/) - In recent years ethical investing has really started to take off. However the divide between what we think is ethical investing and what ethical investments are can be pretty big. Things to consider when thinking about ethical investing: Do you just want your underlying investments to be ethical? It is all well and good ensuring
- [Time to get creative about earning income](https://www.yourlifeandmoneymatters.com/time-to-get-creative-about-earning-income/) - Now more than ever is great time to get a bit creative about how you derive income. Sometimes the answer to your financial woes really is that you just need to earn more money. With apps like freelancer and Airtasker, now is the time to get your side hustle on. Maybe you would like a holiday
- [What is Life Insurance?](https://www.yourlifeandmoneymatters.com/what-is-life-insurance/) - Take 30 seconds to find out what life insurance is. The advice provided on this document is General Advice Only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation
- [Why seek advice?](https://www.yourlifeandmoneymatters.com/why-seek-advice/) - So why should you seek, and pay for advice. I'm not just talking about financial advice, I’m talking about why you would seek advice from a specialist in any field; a personal trainer, a dietitian, a child sleep or behaviour specialist, a marketing guru for your business. Why seek this advice when you can just

## Pages

- [Home Page](https://www.yourlifeandmoneymatters.com/) - Your Life and Money Matters provides trusted financial planning and investment advice to help couples and families to live the life they want.
- [About us](https://www.yourlifeandmoneymatters.com/about-us-2/) - Keryn Batsilas from Your Life & Money Matters is a trusted and Accredited Financial Planner who can help you take control of your money and finances.
- [Fine Print](https://www.yourlifeandmoneymatters.com/fine-print/) - Fine Print | Your Life & Money Matters
- [links](https://www.yourlifeandmoneymatters.com/links/) - Visit My WebsiteCongue rutrum consectetur lorem auris volutpat, ligula ac rutrum lorem ipsum dolor.DetailsNew Blog - What to do in turbulent financial timesDetailsYLMM Spending Plan ToolDownload our spending plan tool, to map out your spending and take control of your money!DetailsYLMM Money GuideLorem ipsum - congue rutrum consectetur lorem auris volutpat, ligula ac rutrum.DetailsVisit YLMM
- [New Home Page - Original](https://www.yourlifeandmoneymatters.com/new-home-page-original/) - Make Smart Money Decisions and Live your Best Life! Here’s How Meet Keryn Keryn has worked in Financial Service for over 19 years, she has been advising personal clients for 10 years. Keryn holds a Diploma and Advanced Diploma in Financial Planning, and is currently studying towards her Masters in Financial Planning. Keryn is licensed
- [Our Story](https://www.yourlifeandmoneymatters.com/our-story/) - Your Life & Money Matters is a boutique firm created to assist younger generations be financially successful and live the life they want to live by taking control of their finances.
- [Contact](https://www.yourlifeandmoneymatters.com/contact/) - Contact Melbourne Financial Planner, Keryn Batsilas from Your Life & Money Matters today for a no-obligation, free consultation.
- [GIVING BACK](https://www.yourlifeandmoneymatters.com/giving-back/) - Financial literacy is a basic life skill that if taught early on in life will assist even the most vulnerable in improving their circumstances.
- [Blog](https://www.yourlifeandmoneymatters.com/blog/) - Check out our money management tips and investment education blog which covers budgeting, saving, investing, superannuation and life insurance.

## Portfolio

- [Maecenas maximus](https://www.yourlifeandmoneymatters.com/project/maecenas-maximus/) - Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla vitae, suscipit dui. Donec hendrerit lacus risus, vel placerat augue gravida eget. Lorem ipsum dolor sit amet, consectetur adipiscing elit.Proin rutrum rhoncus arcu,
- [Donec hendrerit](https://www.yourlifeandmoneymatters.com/project/donec-hendrerit/) - Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla vitae, suscipit dui. Donec hendrerit lacus risus, vel placerat augue gravida eget. Lorem ipsum dolor sit amet, consectetur adipiscing elit.Proin rutrum rhoncus arcu,
- [Maecenas nec tellus ultricies](https://www.yourlifeandmoneymatters.com/project/maecenas-nec-tellus-ultricies/) - Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla vitae, suscipit dui. Donec hendrerit lacus risus, vel placerat augue gravida eget. Lorem ipsum dolor sit amet, consectetur adipiscing elit.Proin rutrum rhoncus
- [Donec hendrerit lacus](https://www.yourlifeandmoneymatters.com/project/donec-hendrerit-lacus/) - Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla vitae, suscipit dui. Donec hendrerit lacus risus, vel placerat augue gravida eget. Lorem ipsum dolor sit amet, consectetur adipiscing elit.Proin rutrum rhoncus
- [Vivamus diam tellus](https://www.yourlifeandmoneymatters.com/project/vivamus-diam-tellus/) - Cras porta ligula vitae velit ornare interdum. Mauris consectetur mi vitae commodo pellentesque. Maecenas maximus tempus purus, et feugiat lectus efficitur eget. Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla
- [Cras porta ligula](https://www.yourlifeandmoneymatters.com/project/cras-porta-ligula/) - Cras porta ligula vitae velit ornare interdum. Mauris consectetur mi vitae commodo pellentesque. Maecenas maximus tempus purus, et feugiat lectus efficitur eget. Sed est tellus, vulputate sit amet justo non, varius malesuada dolor. Nullam ullamcorper, metus non rhoncus placerat, urna purus auctor nibh, non finibus sapien turpis ut mauris. Maecenas nec tellus ultricies, sollicitudin nulla

## Testimonials

- [Keryn Batsilas](https://www.yourlifeandmoneymatters.com/dt_testimonials/gregor-blackwod/) - Keryn is the Founder & Financial Adviser at YLMM. Keryn has over 12 years experience in financial services. Keryn created this business as a sole operator to allow for the provision of truly boutique advice and to create an environment where long term personal relationships with clients will flourish. Diploma of Financial PlanningAdvanced Diploma of Financial PlanningMaster of Financial Planning (currently undertaking)
- [Anna White](https://www.yourlifeandmoneymatters.com/dt_testimonials/anna-white/) - Nam id libero quis metus tincidunt aliquet. In molestie nibh at ipsum maximus, tristique congue lacus ultrices. Pellentesque non risus urna. Curabitur hendrerit convallis euismod.
- [Tiffany White](https://www.yourlifeandmoneymatters.com/dt_testimonials/tiffany-white/) - Mauris rhoncus est eget efficitur consequat. Praesent tempus suscipit ante, eu egestas orci porttitor interdum. Integer luctus, leo porta lacinia convallis, diam purus finibus lectus, ut rutrum quam velit id orci. Aenean hendrerit ante sed turpis interdum consequat. Proin eleifend nulla!
- [Matt Mond](https://www.yourlifeandmoneymatters.com/dt_testimonials/matt-mond/) - Fusce varius vitae elit vitae consequat. Ut imperdiet ex sed quam ultrices accumsan. Maecenas nec nulla dapibus, mollis nisi id, fringilla orci. Proin tincidunt venenatis massa, eget laoreet enim bibendum malesuada.
- [Chris Matt](https://www.yourlifeandmoneymatters.com/dt_testimonials/chris-matt/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nam id libero quis metus tincidunt aliquet. In molestie nibh at ipsum maximus, tristique congue lacus ultrices. Pellentesque non risus urna. Curabitur hendrerit convallis euismod. Nam ultrices purus vel arcu finibus, et vestibulum sapien mollis. Morbi maximus orci non tempus placerat. Proin tincidunt venenatis massa, eget laoreet enim bibendum malesuada.
- [Charles Dug](https://www.yourlifeandmoneymatters.com/dt_testimonials/charles-dug/) - Magnum sit amet magna nulla. Sed tempor varius fringilla. Fusce varius vitae elit vitae consequat. Ut imperdiet ex sed quam ultrices accumsan. Maecenas nec nulla dapibus, mollis nisi id, fringilla orci.
- [James Page](https://www.yourlifeandmoneymatters.com/dt_testimonials/james-page/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nam id libero quis metus tincidunt aliquet. In molestie nibh at ipsum maximus, tristique congue lacus ultrices. Pellentesque non risus urna. Curabitur hendrerit convallis euismod. Nam ultrices purus vel arcu finibus, et vestibulum sapien mollis. Morbi maximus orci non tempus placerat. Proin tincidunt venenatis massa, eget laoreet enim bibendum malesuada.
- [Larry Smith](https://www.yourlifeandmoneymatters.com/dt_testimonials/larry-smith/) - Donec sit amet magna nulla. Sed tempor varius fringilla. Fusce varius vitae elit vitae consequat. Ut imperdiet ex sed quam ultrices accumsan. Maecenas nec nulla dapibus, mollis nisi id, fringilla orci.
- [Sandra Burn](https://www.yourlifeandmoneymatters.com/dt_testimonials/sandra-burn/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinart tellus.
- [George Green](https://www.yourlifeandmoneymatters.com/dt_testimonials/george-green/) - Nam id libero quis metus tincidunt aliquet. In molestie nibh at ipsum maximus, tristique congue lacus ultrices. Pellentesque non risus urna. Curabitur hendrerit convallis euismod.
- [Alex Freeman](https://www.yourlifeandmoneymatters.com/dt_testimonials/alex-freeman/) - Fusce varius vitae elit vitae consequat. Ut imperdiet ex sed quam ultrices accumsan. Maecenas nec nulla dapibus, mollis nisi id, fringilla orci.
- [Miriam Swift](https://www.yourlifeandmoneymatters.com/dt_testimonials/miriam-swift/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nam id libero quis metus tincidunt aliquet. In molestie nibh at ipsum maximus, tristique congue lacus ultrices. Pellentesque non risus urna. Curabitur hendrerit convallis euismod. Nam ultrices purus vel arcu finibus, et vestibulum sapien mollis. Morbi maximus orci non tempus!

## Team

- [FIONA DICK](https://www.yourlifeandmoneymatters.com/dt_team/fiona-dick/) - Fiona runs her own Accounting business and is keen to help our members
- [FABIO FERRO](https://www.yourlifeandmoneymatters.com/dt_team/fabio-ferro/) - Fabio has worked all over the world as a Portfolio Manager.

## Categories

- [Investment Strategy](https://www.yourlifeandmoneymatters.com/category/investment/)
- [Kids & Money](https://www.yourlifeandmoneymatters.com/category/kids-money/)
- [Insurance](https://www.yourlifeandmoneymatters.com/category/insurance/)
- [Life Insurance](https://www.yourlifeandmoneymatters.com/category/lifeinsurance/)
- [Money Management](https://www.yourlifeandmoneymatters.com/category/money-management/)
- [Spending Plan](https://www.yourlifeandmoneymatters.com/category/spendingplan/)
- [Ethical Investing](https://www.yourlifeandmoneymatters.com/category/ethical-investing/)
- [Superannuation](https://www.yourlifeandmoneymatters.com/category/superannuation/)
- [Income](https://www.yourlifeandmoneymatters.com/category/income/)
- [Capital Gains](https://www.yourlifeandmoneymatters.com/category/capital-gains/)
- [Money Tips](https://www.yourlifeandmoneymatters.com/category/money-tips/)
- [Financial Planning](https://www.yourlifeandmoneymatters.com/category/financial-planning/) - Articles covering financial planning
- [Financial Goal Setting](https://www.yourlifeandmoneymatters.com/category/financial-goal-setting/)

## Tags

- [Investing](https://www.yourlifeandmoneymatters.com/tag/investing/)
- [Saving](https://www.yourlifeandmoneymatters.com/tag/saving/)
- [Money Matters](https://www.yourlifeandmoneymatters.com/tag/money-structure/)
- [Financial Advice](https://www.yourlifeandmoneymatters.com/tag/financial-advice/)
- [Financial PLanning](https://www.yourlifeandmoneymatters.com/tag/financial-planning/)

## Portfolio Categories

- [Projects](https://www.yourlifeandmoneymatters.com/project-category/projects/)

## Testimonial Categories

- [for homepage](https://www.yourlifeandmoneymatters.com/dt_testimonials_category/for-homepage/)
- [a](https://www.yourlifeandmoneymatters.com/dt_testimonials_category/a/)

## Team Categories

- [all](https://www.yourlifeandmoneymatters.com/dt_team_category/all/)