Australians have a lot of financial obligations to keep track of. It’s not uncommon for a person to hold a dozen accounts with banks, lenders, service and utilities providers, clubs, retailers and more. Keeping financially afloat while the coffers are constantly diminishing is a wearying prospect, and the ongoing pressure of debt is a sign that things need to change. Loose spending and over-commitment can be reined in, but staying on top of finances requires a consistent and balanced approach. Often overlooked as a solution, a bank overdraft can provide smoother sailing for those who need to weather a financial storm.
That new car smell, the smooth ride, the envious look on your neighbour’s face, the empty savings account … hang on, that’s not right. There are certain things that make buying a new car worth it, and an empty bank account certainly isn’t one of them. But you know what? You really don’t need to spend as much as everyone else does for a brand new car and here’s how you go about it.
Time it right
The time of the year can be a massive factor in how much (or how little) you pay for your car. Choose to buy your car towards the end of the financial year, and you could secure yourself a very nice deal. You see, at this time of the year, dealers are eager to hit their sales targets for the year or to beat last year’s record. Whatever their motivation, there’s no doubt that they are much quicker to offer cut-price deals or throw in free extras at this time of year.
Australia is known for the hottest summers in the world. Sadly, these summers are not just bound to get even warmer, thanks to climate change – they’re projected to become twice as long as the winter season too.
This year alone, temperatures are expected to break record highs. You’ll need to make the necessary preparations to keep you and your family cool for the summer months. But with electricity costs skyrocketing, how can you stave off the heat without breaking the bank over your electric bill?
Credit and debit cards have been in existence for decades and provide a familiar and convenient way to pay. The question is though, with the dash from cash, accelerated by Covid-19, what are the preferences of today’s Australian consumers when choosing between these two options? And what are the differences between debit and credit card protection?
To begin, we will explore the credit and debit card landscape in Australia.
Post updated on 11 January 2021 with new product info.
Smoke mask is not a topic I would normally write about but given the circumstances (large bushfires in Australia), I think it’s important that we talk about the risks and options we have to protect ourselves and our family (including our pets). Scroll down if you are interested in the smoke masks only. I also found a smoke mask for dogs.
Protect Your Family from Bushfire Smoke
It was nearly the holiday season and the end of 2019 was just around the corner. But with dozens of bushfires raging all across the country, Australia was in a state of crisis. South Australia shut down more than a hundred schools due to a catastrophic fire warning and even those further away from the actual flames were suffering from the effects of wildfire smoke.
Last updated on 11 January 2021 with new product info.
There are the dismal statistics we read about the direct effects of bushfires that burn for months in different parts of Australia. Australia is often severely affected by bushfire smoke that’s blanketing the country. There have been instances of asthma, breathing difficulties and other respiratory ailments in Sydney and other cities. People have been advised to stay indoors to avoid exposure to bushfire smoke. But while commercial buildings are equipped with HVAC systems that have filters, homes aren’t always equipped with such systems that protect family health. This is why home purifiers have been in high demand for most people lately.
A growing number of Australians believe that it’s about time for people to stop feeling pressured about gift-giving. This year, they’re reducing the budget they’re allotting for presents and are opting to celebrate the Christmas season for what it’s truly about.
You can still have a fun Christmas even if you haven’t saved a lot of money for Christmas shopping. After all, how you spend the holiday with your loved ones can be more memorable than any of the gift they might receive.
It’s safe to mention that cryptocurrency is risky. For one, inefficient trading may lead to more financial loss than gain. Still, it’s possible to reduce potential losses and increase profit opportunities by understanding the fundamentals. In particular, you should learn the ins-and-outs of cryptocurrency maps, charts, and prices.
Continue reading to know some essential aspects of these topics. By reading this article, you should gain sufficient knowledge of trading cryptocurrency.
Getting approved for a loan or credit card isn’t always easy. Potential customers often have to jump through multiple hoops as part of the application process, and there’s no guarantee that this will result in a lender’s tick of approval either.
But this process may soon become easier for borrowers.
In late September, the government announced that it plans to stimulate the economy by removing the responsible lending obligation from the National Consumer Credit Protection Act (2009).
In any industry, one can never keep away from accounting processes. Any calculations in any business can be complex and tiresome. This is one reason why entrepreneurs—even small-scale ones—should hire a reliable accounting firm to handle all their accounting needs.
If you’re that kind of business owner, there are many accounting firms you can rely on these days. However, know that every company offers different services and varies in terms of reputation. Even if you’re in one country or state, quality offers may differ from firm to firm.