There are times when the money that you may have in your possession isn’t quite enough for a major purchase (such as a car, a boat or a house) and you may need to obtain a loan. Deciding which type of loan is the right type for your situation needs to take into consideration your…
Streaming subscriptions, grocery shopping, click and collect. There are so many ways now that your card or bank details can be used online to pay for goods and services. Those details may be stored by retailers, and the data that those retailers possess may be in danger of being breached. That’s an ongoing risk of…
Afterpay was originally conceived as a new way to buy now, pay later. It provided people with the means to buy products if they did not have the currently available funds, without requiring interest to be paid on the amount to be paid back. It’s a proven method popular with people under 30, but there…
It’s one of the most inescapable costs of living that the average person may encounter. Whether you are renting, leasing or own your home, the energy bill is an unavoidable circumstance that everyone faces. With many individuals currently working from home and cutting other costs involving travel, it’s not surprising that your own energy bill’s…
For many, a home loan is a purchase that’s already been made, a regular expense that will stick with them for up to 30 years (depending on the home loan conditions set out at the time of agreement). But don’t expect to simply set and forget your home loan. Your circumstances may change, and the…
Known as an employee share purchase plan, share options or equity scheme, employee share schemes are used to attract, retain and motivate employees. Schemes can vary depending on the company (and the terms of the scheme can differ depending on the company) so it is important to consider carefully what the pros and cons are…
A financial adviser can assist you with making financial decisions and planning for your future. Advice from a financial adviser may include advising on budgeting, investing, super, retirement planning, estate planning, insurance and taxation. Finding and choosing a financial adviser to suit you is made simpler by keeping these essential tips in mind. Decide What…
If you’re someone who often finds it difficult to make large lump sum payments for goods or services, you may want to consider looking into “Buy Now Pay Later” services. Buy now pay later essentially means that, rather than paying in a full lump sum payment for a product or services rendered, there may be…
Paying off the mortgage may sound like a dreary trudge to the end of a marathon’s finish line. However, there are options available for those who currently have a debt from a loan for their mortgage, and wish to reduce the time they spend paying it off. Here are a few simple ways to ensure…
Every little bit of money counts in today’s economic climate, and for many, it’s about making what they have, work for what it is that they need. Money management is an important skill to learn as it helps boost finances with very simple steps. Money management can ease the stress and financial worries of people…