Jenny earned $56,000 per year at her full-time job. We recommended income protection based on her current salary in case she could not work due to illness or injury. The income protection premium amount was $650 per annum, and the majority was charged to her Superannuation. This meant she only pays $70 per annum as an ‘out of pocket cost’. We also cancelled the extra 2 insurances she had as they were not suitable for her. This saved her $1,010 per annum. Finally, we helped her set up a company so she could deduct most of her expenses as an artist and created a savings plan of $40 a week. This helped her set aside $2,080 and also increased her tax return from nil to $2,950. She was able to reach her goal of covering her exhibition costs.