For many, your twenties are the years in which your finances are the most stretched. You’re probably trying to save for a house, a new car or a trip, as well as trying to keep up appearances at all the social events. But it’s also the time in your life when you should be setting yourself up to be financially secure for years to come.
So how do you balance it all and learn to take control of your finances?
We asked Bessie Hassan, money expert at finder.com.au for her 5 tips on how to get yourself on the road to financial freedom.
Continue reading “5 ways to take control of your finances in your 20s”
Australia’s home affordability woes have impacted a whole generation of young Australians now facing the daunting challenge of breaking into the property market.
Clover Co-Founder Harry Chemay explains why ownership rates among young Australians, particularly those under the age of 35, have experienced a significant decline over the last four decades.
Continue reading “Australia’s housing affordability woes: Part 1”
Ah, your sweet 20s. It’s absolutely guaranteed that you will have one sack full of adventures and another full of mistakes.
But that doesn’t mean you don’t need to think about what financial shape you’ll be in once you do say hello to that inevitable 30th birthday. Because it’s about then that you may be wondering about buying a house, starting a family, and perhaps even planning for the future with healthy personal finance habits in the bank.
Saving in your 20s is hard, and racking up a mountain of debt is easy. But don’t fret – it’s never too late to start blasting that 20-something debt and setting off on the road to a bright financial future.
Continue reading “5 ways to avoid debt in your 20s”
Women can make amazing investors but many still feel that it’s out of their reach or too risky.
We sat down to chat with Rebecca Pritchard, Financial Coach and Gladiator at Wealth Enhancers, to talk about why women need to be investing and what they can do to start.
Continue reading “This March, #startsomethingnew with Clover”
With Valentine’s Day coming up this week, loved up couples everywhere are talking dinner plans, presents and romantic gestures. But there’s one other thing you might want to bring up with your special someone and that’s money.
Because, ok, while financial discussions might not seem like the most romantic topic under the sun, having an open and honest conversation with your partner about money management and financial goals is an important step in any relationship.
But, since it can also be a tricky subject to bring up, Kirsty Lamont from comparison site Mozo has shared five money conversations that you might need to have with your significant other and her tips on how to tackle them without killing the mood. Continue reading “5 important financial conversations to have with your partner”
Call us romantics, but if you have someone special in your life, you should be celebrating that love on a regularly basis – not just on Valentine’s Day. The smaller gestures make a big difference. However, we don’t blame you if you want to take that special someone out for a date this Valentine’s Day. But no need to spend a fortune because that’s not what romance is about.
Here are 6 budget-friendly ideas on how to spend your Valentine’s Day. Continue reading “6 budget-friendly ideas for Valentine’s Day”
It’s a word many of us associate with being cheap, mean with money or stingy – just like Scrooge McDuck. Although wealthy, Disney’s Scrooge is a particularly greedy, cruel and selfish miser who keeps his cash in a giant money bin and is reluctant to even pay Donald a mere 5 cents an hour to polish his coins.
But Scrooge gives the word ‘frugal’ a very bad name. Taken out of the Disney world, some might think a frugal duck is one who is paranoid about money, stealing everything not nailed down from a hotel room and stashing 25 cafe satchels of sugar in their pockets after a coffee.
But frugal just means fiscally conservative – or smart with money. And who doesn’t want to be smart?
Here are the real benefits of being a bit more frugal:
Continue reading “The case for being frugal (and how to make it happen)”
Even at the best of times, relationships can be difficult. Although most of us seek true love and that tale of ‘happily ever after’, it’s a total myth that if you find just the right person to spend your life with, you’ll never experience any conflict.
Even if you are with a very special someone who’s really suited to you, it’s never smooth sailing all the time. But there’s something that really can spell troubled waters for many, many couples:
Continue reading “How to solve four common money problems faced by couples”
Benjamin Franklin once wrote that only two things in life are certain: death and taxes. It’s also tempting to conclude that they may be the things that most worry us – but you’d be wrong.
Death, and our health more generally, may be important to us, but there’s something we are more afraid of:
Continue reading “How to deal with financial anxiety”
Well, 2017 may not quite be over, but as you start getting ready to taste that turkey and pull those crackers, the Christmas lull is definitely a good time to take stock of your personal finances and make some plans, changes and resolutions for the looming year.
Here are some things to consider to get your financial house in order before 2018 starts.
Continue reading “7 ways to consider your finances over Christmas”