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Save for an emergency fund
November 4, 2024Debt Management & Budgeting
An emergency fund is money you save to cover urgent or unexpected costs. This could be car repairs, unexpected travel or an urgent medical bill. It provides a financial safety net so you don’t have to borrow money if something happens to you or your family. How much you need in an emergency fund Even...Read More
Avoiding sales pressure
October 28, 2024Debt Management & Budgeting
Salespeople and advertisers use tactics to pressure you to buy a product or sign up to a service. Knowing their techniques can help you avoid buying things you don’t need, or paying more than you should. Sales techniques to watch out for Salespeople and advertisers use a range of techniques to sell their products, particularly...Read More
Are you a goal-driven saver?
October 21, 2024Debt Management & Budgeting
Characteristics of goal-driven savers A ‘money mindset’ is a way of thinking about personal finance. Your money mindset can change over time, and it may help explain your spending and savings habits. Understanding this can help you build habits and strategies to better manage your money. If the following applies to you, you might be...Read More
It’s evident that the Australian consumer is under pressure. It appears the tailwinds that helped brand the consumer as ‘resilient’ are now turning into headwinds. Think of it like a rubber band: household budgets are being stretched tight and at the moment, the band is withstanding the pressure. So how long can it really hold...Read More
Joint accounts
September 30, 2024Debt Management & Budgeting
A joint account is a bank account that more than one person can access. It can make it easier to manage shared expenses, but also comes with the risk of sharing access to your money. A joint account can be any kind of bank account: savings, transaction or term deposit. The type you choose depends...Read More
Spend smarter and shop safer during sales
September 23, 2024Debt Management & Budgeting
Cutting back on overspending Whenever there’s a big sale event, like the upcoming Black Friday sales, it can be tempting to go on a shopping spree while products are discounted. However, this can be a slippery slope and you may end up purchasing items you don’t need simply because they’re cheaper than usual. Fortunately, there...Read More
Getting on top of debt
September 9, 2024Debt Management & Budgeting
While the Federal Government’s recent announcement about providing some relief for those with student debt is anticipated to help those with student loans, debt can hold you back financially, so let’s look at some ways to free yourself if debt is becoming a burden. Debt can be a real drag on your financial goals, getting...Read More
The 2023-24 financial year is now well behind us and there’s nothing like closing a chapter to inspire thoughts of a fresh start. But cost-of-living challenges persist, and many Australians are looking for ways to cut back and maximise their savings to meet their financial commitments among interest rate and inflationary pressures. Now is a...Read More
1. Make a budget It can be surprising just how much you need to spend before your baby even arrives. There are services and classes to book and pay for, as well as obstetrician costs to consider. You'll also need to make the choice between giving birth in a public or private hospital. This means...Read More
Discounts, offers and rewards programs Cost of living is impacting people across Australia, with everything from rising interest rates to the weekly grocery shop contributing to the strain. While there isn’t one catch-all solution, there are different ways you can tackle the financial squeeze. Reward and discount programs may not seem like you’re saving a...Read More