Over two-thirds of Australians made New Years resolutions and more than half of these will focus on finances. With saving more topping the agenda we have some helpful ways to ensure you achieve your 2012 resolution.So how do you set financial goals and stick to them?

Borrowing within your SMSF to purchase property is a strategy that has become a very popular way to boost your investment and achieve your retirement goal. With up to a third of SMSF strategies using gearing, the recent ATO draft rulings are set to make the strategy even more appealing.

The use of finance to leverage ones wealth is the oldest wealth secret of all. Emma Cunningham from Aventree Financial shares her top 10 secrets for Property Investors.

The concessional contribution cap is currently indexed each 1 July, in $5,000 increments. The Government has announced that they will pause this annual indexation until 1 July 2014. This means the standard cap for individuals under age 50 will remain at $25,000 for the 2013 and 2014 financial years, with a potential increase to $30,000 on 1 July 2014.