Over the past week or so share markets have fallen sharply. In times like this your confidence in your investment strategy could be shaken. Do I sell? Do I do nothing? Is now a time to buy?

If you’re uncertain or worried about your pension, we recommend you get financial advice. And what better way to do this than through AUSCOAL Advice. Whether you're already an AUSCOAL Advice client or new to financial advice, our financial advisers provide free advice over the phone about your super investments. Give us a call on 1300 AUSCOAL (1300 287 262), Monday to Friday, 8am to 6pm, to make an appointment with a financial adviser.

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With 78% of Australians saying they're financially disorganised, it makes sense to create a quick and practical way to inspire financial discipline.

Here’s six things you can do to sharpen up your knowledge on where your money’s going and what you can do to minimise waste - two significant contributors to being financially disciplined.

No discipline? Credit cards are a bit like a kid having a time out, without sitting in the corner. Comedian Tim Clue explores whether the 'time out' method is good for discipline. Watch the video.

Note: By clicking on these links you'll be leaving AUSCOAL Super's website. We have no oversight of the information contained on The Gym website.

The government originally reduced the minimum amount super pensioners had to withdraw by 50% from 2009 to reduce the need for pensioners to sell assets at a loss during the global financial crisis to meet the minimum pension withdrawal requirement.