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Loud budgeting is a trend that may have started as a joke but is being embraced by those who want to share their financial goals and priorities and in doing so, also improve their chances of achieving them. It was comedian and writer Lukas Battle who bought the term “loud budgeting” to the world in...Read More
A credit card balance transfer is when you move the amount you owe (the balance) to another credit card. The new interest rate on the balance you transfer may be either 0% or a special low rate for a limited time. If you can pay off the balance you transfer within that time, you may...Read More
How to do a budget
April 2, 2024Debt Management & Budgeting
Having a budget helps you see where your money is going. You can put aside money for bills and expenses and set up a plan to reach your financial goals. Follow these steps to get started. Use how often you get paid as the timeframe for your budget. For example, if you get paid weekly,...Read More
Sidestep the shock of unexpected bills by smoothing out payments and making regular, automated instalments that can be planned well in advance. Ever experience that sinking feeling when you’ve opened a bill that you can’t possibly afford to pay? The shock of receiving a big bill – or worse, a number of them arriving at...Read More
Manage the cost of living
January 29, 2024Debt Management & Budgeting
Here are some quick ways to reduce your living costs. Having a money plan helps you stay on top of your spending and bills. There's also free support and services to go to if you're feeling overwhelmed. If you're in crisis and struggling to pay for essentials, there are services to help you with food,...Read More
How to bucket your money and save
January 22, 2024Debt Management & Budgeting
Bucketing is a smart way to manage your money without complicated budgets or spreadsheets. The idea is to set up multiple bank accounts called ‘buckets’ and use each one for a specific purpose, like bills, savings or entertainment. Once your buckets are set up, it’s easier to see and control how you spend and save...Read More
Could you cope if you needed instant access to money during an emergency? Learn simple ways to create savings for times when life throws you a curve ball. Many expenses and changes in life can be planned, like buying a house, going on holiday, picking up groceries or having a baby. But there can be...Read More
Christmas is a time for giving and it’s so easy to get caught up in the joys of the festive season and lose track of how much you are spending. Fortunately, there are a few tried and true strategies to manage your money to see you through the silly season into the New Year and...Read More
Credit scores and credit reports
October 30, 2023Debt Management & Budgeting
Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals, or understand why a lender rejected you. Your credit score is based on personal and financial information about you that's kept in your credit report. You can access...Read More
Step one: what are your financial pain points? When you start making plans, chances are you’ll both come across financial pain points. In other words, the areas that need some attention and possible alterations. These might include: post-wedding or honeymoon debts different earning capacities different savings goals different spending habits disagreements you’ve had in the...Read More