Make today count: How to combat decision fatigue and get stuff done

Here is our cheat sheet to help you get started on some of those tasks and finally get some of those pesky jobs you’ve been putting off, done — and maybe even help you save a few bucks in the process.

COVID-19 has put our productivity and our sanity to the test. Between adjusting to a completely new routine, taking endless Zoom calls, home-schooling kids (and making a seamlessly endless amount of snacks for them) – then having to juggle work and personal life on top of it, it’s no wonder many of us are experiencing decision fatigue. It’s just hard to find the headspace and the motivation to get things done these days, right! Unfortunately, most of us can’t just kick back and binge watch Netflix and wait until things just ‘blow over’. We all have commitments to meet and bills to pay. There is no cheat sheet to life, but there is a cheat sheet for simplifying and getting started on some of the bigger projects you’ve put in the ‘too hard basket’. Here is our cheat sheet to help you get started on some of those tasks and finally get some of those pesky jobs you’ve been putting off, done — and maybe even help you save a few bucks in the process.

Check your loanScore

If we asked you how long it took you to fill out your home loan or refinancing application, chances are, you’ll give an exasperated “12 hours” as a response – even when the reality was more like two hours, let’s be honest. Well, what if there was a tool you could use to check whether it’s even worth taking action on your home loan? A tool that takes 2 minutes, not 2 hours? There is – it’s called loanScoreloanScore is a free check-up for your home loan. It helps you understand whether your home loan is in good shape or not. It’s a great place to start and you can do it all online – no paperwork, no speaking to banks or brokers. All you need is a few bits of info and you can instantly see if there is a better rate available and how much you could be saving, so you can decide if and when you want to take action. Click here to get started checking your loanScore

Examine your budget

Our friend Olivia White from House of White is a budgeting goddess. Not only has she tackled a renovation and purchase of a new home in the last year, she’s made it look so easy. And now we know why. Olivia’s has created her own approach to setting a budget which is a simple and most importantly a quick way to get on top of what you’re spending. A quick print off of your bank statements, a highlighter and her step-by-step guide will have you ticking this off in no time. She has even created downloadable spreadsheets so you’re not having to fiddle around creating your own (genius), plus they are so beautifully designed, it makes doing a budget pleasurable.

Consolidate your super

If you’ve ever changed your job, your home address or even changed your name lately you may have lost track of some of your super. Finding your lost super and consolidating it can help you save on fees and makes it easier to manage. Your lost super may be held by your super fund or by the Australian Taxation Office (ATO). It’s easy to find your lost super online through the ATO:

  • Go to my.gov.au.
  • Log in or create an account.
  • Link your myGov account to the ATO.
  • Select ‘Super’. This will allow you to:
  • see details of all your super accounts, including any you’ve lost or forgotten about
  • find any ATO-held super — this is held on your behalf when your super fund, your employer or the government can’t find an account to deposit your super into
  • consolidate your super into a single fund If you’ve recently opened a new super account, it may take up to six months to appear on myGov. You can also find lost super using a paper form. See searching for lost super on the ATO website.

Track your expenses

Imagine you could have your budgeting tool that fits right in your pocket – and no, it’s not your phone calculator. There are some really amazing financial aggregating apps such as MoneyBrilliant or PocketBook that will consolidate all your financial accounts so you can get an easy snapshot of where your money is going, how your investments are doing and other trends like your net worth.

Money Brilliant – how it works

  • Budgeting tool that’s automatically based on your previous spending
  • Transaction categorisation, so you know exactly where your money is going
  • Automated record of your possible occupation-specific tax deductions
  • Create Money Priorities to personalise what’s financially important for you

PocketBook – how it works

  • Automatically categorises the majority of your transactions.
  • Integrates your bank accounts, credit cards and loans
  • Comprehensive FAQ for beginners
  • Encrypts all of your information for security. All this information in one place will help you have a clear picture and make smarter choices and even help you reach your financial goals – whatever they are. We know there are probably other tasks you have on your to-do-list, but why not start chipping away at the long list, today. These few things could go a long way to helping you get on top of your finances, and might even save some money in the long run. Book in a quick call with our customer care teamBook a call in with UNO

Book Call Now

UNO home loans

Need help with your home loan?

UNO Brokers are available night and day for a quick review or your situation and bring expertise that will support better decision making that will save you time and money. Book in a quick call when it suits your busy schedule

Get Started
Try Plans, by UNO
Mortgage calculators completely reimagined
Get Started

Related Articles

TESTIMONIALS

What our customers are saying

Kyle Richards
October 10, 2024
Absolute legend, helped me through the first home buyers scheme, explained everything in a way that made sense, was very knowledgeable and a joy to work with.
Read more
Chloe S
October 8, 2024
Mike Parsons made it possible for us and the in laws to get 2 pretty complicated home loans. He helped us through everything and we'd be happy to use Mike and the team again for anything we needed. Thanks again!
Read more
Sam Rezai
October 2, 2024
I have gone through 6 different mortgage brokers prior to meeting Andrew Wyers. He is the most patient mortgage broker I’ve encountered and also the most knowledgable about the bank’s lending process and products available. It took me 1 year to find a house I was happy with and Andrew was always there to assist with any issues or questions I had; he always return my phone call, even on the weekends or when his away on holidays. The loan process was smooth and I had no complications. The process with Andrew was again nice and easy, he took the time to find and put together the right package that was suited to my situation. I have recommended Andrew to my family & friends and everyone have been grateful and completely satisfied with his service.
Read more
S Wilko
September 23, 2024
I had not dealt with Scott or UNO before finding them on the internet. Even as an Australian citizen living and working overseas, I knew obtaining a loan would be difficult. However, Scott went above and beyond what I expected from a mortgage broker. I genuinely don’t think you could find another company that works as hard as they did to get my home loan approved. I cannot recommend them highly enough. Everyone I dealt with at UNO were extremely professional and helpful. If you are looking for a broker, you would be mad not to give them a go. Thanks to Scott Wilkinson, Dalby Bajwa, Jena Lasquite and Andrew Pacini. Shaun.
Read more
Shan Liao
September 3, 2024
I had an outstanding experience with Tian Liu. He was incredibly professional and attentive, going above and beyond to meet my needs. His expertise and dedication made the entire process smooth and stress-free. Tian's deep knowledge of the market and commitment to finding the best solutions for his clients truly sets him apart. He was always available to answer my questions and provided invaluable guidance throughout. I highly recommend Tian Liu to anyone in need of a reliable and skilled broker!"
Read more
Nathanael Chin
September 3, 2024
Tian Liu provided exceptional service throughout the entire process. His professionalism and keen attention to detail were evident from the start. Tian consistently kept us informed and offered insightful advice that made us feel confident in our decisions. He truly cares about his clients and works tirelessly to ensure the best possible outcome. We couldn't be happier with his assistance and highly recommend Tian to anyone looking for a trustworthy and knowledgeable broker.
Read more
Patrick Winters
August 14, 2024
For the past three years, it has been an absolute pleasure to work with Mike Parsons. He has consistently helped us navigate commercial property loans with skill and efficiency. Mike’s timely and professional responses to our inquiries have been invaluable. We have built a strong, reliable relationship with him and eagerly anticipate continuing our collaboration in the future. We highly recommend his services.
Read more
Lee Robibaro
August 6, 2024
I am so thankful and grateful to have Scott Wilkinson as my broker. He not only looked after me every step from start to finish he gave me confidence and I was able to trust him and his expertise. My children and I are now happy in our new home and very appreciative of Scott's help. I will definitely be only having Scott as my broker from here onward as there is no mucking around and straightforward answers. Thanks again
Read more
Steve Mav
August 6, 2024
Scott and the whole team at uno have been amazing. Super responsive and helped us achieve a result that we couldn’t have possibly achieved on our own.
Read more
Thien Pham
August 5, 2024
Scott, Dalby and Jena were awesome to work with for my recent Home Loan, they are responsive and knowledgeable - which helped ensure a smooth purchase from pre-approvals to settlement. This is the second property I've purchased with UNO as my mortgage broker and would definitely recommend their services. Thanks again to the UNO Team for the awesome support.
Read more
Scott Hutchinson
August 5, 2024
I am writing this summary in support of recommending Mike Parsons as a Mortgage Broker. At the time of writing this, I have known Mike for 4 years and he has executed 4 mortgages deals for me (including 2 refinances) over that time. Mike has provided me incredible service as a mortgage broker as follows : - Works painstakingly on getting the scenarios together to provide you options that optimize your position. - Works inordinate hours on the detail necessary to support the scenarios. - Mike keeps you updated on the status and progress of the applications and also helps you work through answering questions and any complexities that may arise. -In my cases, given the complexities and timings of my situations , these application processes would take many weeks to finalize . Mike never gave anything other than utter commitment and focus to getting the job done. Mike acts as a true business partner throughout this whole broker /mortgage journey. I simply would only go to Mike for any future dealings on getting a loan from a bank (and as will my kids in the future !) . There is no way a bank (I have seen anyway) would provide this kind of time nor service to a customer. You can rest assured that once Mike has done the deal, you have ended up with the most optimized position taking into account all the variables/scenarios in play. Scott Hutchinson
Read more
Jason Seam
August 5, 2024
I've worked with Scott Wilkinson for my last 2 properties and he's been excellent. He sourced multiple options and didn't push a specific bank, tailoring his recommendations to me based on my requirements. I was specifically requesting a "medico loan" and Scott could navigate that extra requirement with expertise. When I was initially working with Scott, I was also trialling 2 other brokers and neither of those 2 had the same breadth of lenders, or could provide the same deals. I've referred multiple buyers to Scott and his team; one of them said to me after working with him, "how'd you find this guy, he's so good compared to all the other broker's I've worked with!" I'm going into my next purchase with Scott as my broker partner again. I recommend him to everyone
Read more

Try Plans by UNO

Mortgage calculators completely reimagined
Get Started