When December swings around, it’s easy to get caught up in the Christmas spirit, but there’s a fine line between feeling festive and feeling like you’ve just broken the bank.
Each year, people all over Australia head into the holiday seasons with mixed feelings of excitement and total and utter fear that they’ll come out the other side with debilitating debt that they’ll be paying off until Easter.
Fortunately, it doesn’t have to be that way.
Here are six tips to help you avoid breaking the bank this holiday season.
A lot of us inherit the financial institutions of our parents, mainly because they set up our bank accounts for us when we were just little tackers who were too young to do the comparison shopping ourselves.
As a result, a lot of us sail through our young adult lives with a bank we didn’t actually choose, and which may not be giving us the best deal on the market. Fortunately, the advent of the Internet has made finding the best banks infinitely easier. The secret is knowing what to look for.
The beauty of budgeting is that it helps you realise when you’re making ridiculous impulse purchases at IKEA again, but what a lot of Australians don’t realise is that a bundle of that extra money you could be saving each month is disguised as ‘essential purchases’ in your budget.
Here are 10 ways to trim the fat from your budget this year and save a bucket load.
At the young age of 25, Zhoe is adulting harder than most.
She works as a marketing manager (a job she loves), has clear life goals and her finances sorted. Like,really sorted. Zhoe saves 20% of her take-home pay, which is more than double what most Aussies save.
Zhoe started investing with Clover four months ago, and hasn’t missed a monthly deposit. We wanted to know the secret behind her approach to money.