Posts Tagged :

spending

What you need to apply for a credit card

If you’ve thought long and hard about your need to get a credit card, and have narrowed down your options after an exhaustive comparison of rates, fees and perks, then the next step in the process of getting a credit card is to actually apply for one. Nowadays, most card providers let you do all this online, but applying for a credit card isn’t as easy as ticking a box. It can be a bit of a process, involving photo…

read more
It’s time to set up your money buckets

If you’ve never had a budget, or if you’ve tried and given up on one before, it can be easy to get overwhelmed. Visions of complicated spreadsheets and living on nothing but 2 minute noodles make the idea seem at best, snore-inducing and at worst, overly restrictive. But the truth is it takes very little effort to get a basic system – money buckets – in place. This is great news, as it can mean the difference between major savings…

read more
How to enjoy a low-spend long weekend

As the long weekend kicks off, it can be all too easy to fill your time with fun and frivolous spending. But before you know it, Monday night rolls around and your bank balance is looking more than a little depleted. Luckily, it doesn’t take much to reset your default setting from ‘spend’ to ‘save’ for a few days, and the savings can be pretty significant. Read on for our tips to boost your savings in just a few days.…

read more
How to: be more disciplined with credit cards

If you’re considering opening a new credit card, you may worry you’ll overspend and get yourself into trouble. And understandably so – the Australian Bureau of Statistics reported that the average household debt in Australia is $168,600, and the most common form of debt is credit card debt. So how can you use a credit card responsibly? Let’s look at the best ways to stay disciplined. Think of your credit card as a debit card A great way to stay…

read more
Four saving strategies for spring and summer

As the winter months come to an end in Australia, you’re probably antsy to get out in the warmer weather. But getting out more could also mean increased spending. If you’re trying to figure out how to save this spring and summer, easy ways to get a boost include sticking to a budget, using credit card rewards, having social functions at home and saving on energy costs. 1. Stick to a budget Sticking to a budget is easier said than…

read more
5 sure-fire ways to get a juicy pay rise in Australia

Are your palms sweaty? Is your heart racing? Maybe there’s a deep sense of foreboding in the pit of your stomach? You may be on the verge of a parachute jump or other life-endangering feat, but you could also be about to do something equally terrifying: ask for a pay rise. Year-on-year wage growth was just 2.1 per cent in Australia over the March quarter 2018, which barely covers the 1.9 per cent inflation increase in the consumer price index…

read more
Scared of your finances? 5 ways to get control over your money without looking through your fingers

Money management can be a terrifying thing. Especially if you’ve got debt – seeing large sums go in and out of your bank account is enough to give anyone the willies, even if it’s ‘good’ debt (such as a home loan). But there are strategies you can use to cope, and to not only manage your money but actually overcome those ghosts of spending past. Here’s five we’ve rounded up. Know where your money is going. Knowledge is power, and…

read more
Are you off your trolley? You could be, with our sneaky supermarket savers

Are you off your trolley? You could be if your supermarket bill is creeping over $50 per person for a family. There are so many sneaky tricks to save money on food. You might even find that you’re healthier and happier when you buy more basic food. Don’t say it can’t be done. If your bill is out of control, try some of these tips. Budget. Start with a figure that you want to spend on food each week and…

read more
How to embrace your spending personality and still save

There’s no doubt about it, Australia is a nation that loves to spend. According to ASIC’s MoneySmart, we spent over $20 billion indulging our love of fashion, $1.6 billion on our caffeine addiction and a surprising $450 million on pet pampering in 2016 alone. But with household budgets needing to stretch more and more just to cover the basics, there are simple strategies every Australian can adopt to become smarter spenders. So whether you’re a self-confessed splurger or bargain hunter,…

read more
Putting everything on your credit card? There are other ways to pay

Don’t believe you have to have a credit card. Paying interest sucks and there are other ways to pay. It sucks the lifeblood out of your finances. That’s because unless you clear your entire bill within the interest free days, you pay interest. That interest means you’re paying as much as 20% more than your mates for the same things, which may have a detrimental effect on your finances over time. Other (sometimes better) ways to pay Thankfully there are…

read more
  • 1
  • 2