Credit Card Debt

Are Australians Becoming a Cashless Society?

Australians are edging towards a cashless future, as consumers use debit cards or other electronic payment methods in preference to cash at the checkout and online. But whether we will entirely shun notes and coins in the future is not certain.

For one thing, cash has its benefits. It’s easier for small transactions such as […]

Saving in a Material World – Financial Planning

It’s not easy to be thrifty in our consumer society. We’re surrounded by so much temptation that it can be difficult to avoid spending money.

So why not try taking a break from spending? If you can tighten your belt on the little things, it can help ensure you have enough for the odd splurge, […]

Managing Your Money – Understanding Budgeting and Cash Flow

What is a budget?
A budget is a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money.
Do you need a budget?
A budget allows you to see how much money is coming in and going out. It helps you ensure there is […]

Credit Debt – Tips And Traps Of Credit Cards

Starting out with a HECS Credit Debt is bad enough, but abusing a credit card can also mean trouble. Admittedly it’s tempting to spend with interest rates at current levels, but most credit cards still have double-digit rates.1

Of course a card is useful when you don’t have ready cash, but unless you pay […]