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2 June 2026
First Year, First Tax Return: What Medical Interns Need to Know — by bongiorno group
Starting your career as an intern is an exciting step, but it also comes with a financial reality – tax will become one of the biggest expenses you face. Established doctors sit among the top 1% of income earners in Australia, so getting your tax position right from the beginning is crucial to any long-term […]
2 June 2026
Payday Super – What You Need to Know — by bongiorno group
Payday Super is one of the biggest shifts to Australia’s superannuation system in decades and it’s set to reshape how employers manage their obligations. What is Payday Super? Payday Super means employers will need to pay super at the same time as wages, instead of quarterly. For medical practice owners, this change is significant […]
2 June 2026
Income protection: the insurance we often forget (but probably shouldn’t) for young doctors — by bongiorno group
Most of us don’t think twice about insurance because it has become a normal part of adult life. We insure our cars, our homes and contents, phones, pets and even our holidays, often without much debate. That’s because we recognise that these things are valuable and that unexpected events can and do happen. […]
1 December 2025
How to improve your credit score — by bongiorno group
Your credit score plays a crucial role in securing a home loan, car loan, or even a credit card. But what exactly is it, and how can you improve it? what is a credit score? A credit score is a numerical rating that represents your creditworthiness – essentially, how reliable you are at repaying […]
1 December 2025
How to talk money with your children — by bongiorno group
It’s tough when children want the latest gadgets, games, or toys – and they want them now. But teaching kids about money isn’t just about saying ‘no’ to purchases. It’s an opportunity to shape their financial future. From an early age, children can learn the basic principles that will guide them in making smart […]
18 November 2025
Getting ready to buy a house: a step-by-step for young doctors — by bongiorno group
getting ready to buy a house: a step-by-step guide for doctors Buying a house is a major milestone – and often the biggest financial commitment you’ll ever make. While it’s exciting to scroll through property listings and attend open homes, securing finance is where the real journey begins. Before you get too attached to a […]
18 November 2025
the dreaded division 293 tax: what high-income earners need to know — by bongiorno group
If you’re a high-income earner contributing to superannuation, you may find yourself hit with an additional Division 293 tax. Designed to reduce tax concessions for high earners, Division 293 adds an extra 15% tax on concessional super contributions for individuals earning over $250,000. While it might come as an unwelcome surprise, it’s important to understand […]
18 November 2025
Locum work for doctors — by bongiorno group
Locum work offers doctors flexibility and high earning potential, but it also comes with tax complexities. why consider locum work? Locum work provides doctors with the freedom to choose your working hours and locations. Some doctors take on locum shifts to supplement income, fund travel, or experience different healthcare systems across Australia. Locum contracts […]
18 November 2025
Avoiding financial stress during fellowship — by bongiorno group
avoiding financial stress during your fellowship years If you’ve been accepted for a Fellowship – congratulations! It’s an exciting opportunity to advance your career, but the last thing you want is financial stress while you’re away. Having a solid financial plan in place before you leave is essential. Fellowships often mean big lifestyle and income […]
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