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The 50/30/20 rule budget is a simple way to budget that doesn’t involve detailed budgeting categories. Here’s how you can do it. 

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You’ve crunched the numbers. You know how much you spend and you have created a budget. You know how much money you need to pay your mortgage, utilities, retirement accounts, as well as your occasional night out. But how does your financial allocation compare to the amount you should ideally spend and save? 

Budgeting is a cornerstone habit for building wealth. One approach to creating a budget is the 50/20/30 rule. It is an intuitive way to budget that doesn’t involve detailed budgeting categories. The simple budgeting strategy aims to help people reach their financial goals without the fuss of an overly complicated plan. 

In this article, we learn about this method and how to apply it to your finances. 

Understanding the 50/30/20 budget plan 

The 50/30/20 budget rule came from the book All Your Worth: The Ultimate Lifetime Money Plan, written in 2005 by Elizabeth Warren and her daughter, Amelia Warren Tyagi. Based on over 20 years of research, they introduced this rule to prove that you don’t need to follow a complicated budget to keep your finances in check.  

Under this rule, all you need to do is balance your money across three categories of expenses: your needs, wants and savings goals. The easy-to-follow rule allows you to spend less time detailing your finances and the opportunity to focus on the bigger picture.  

Here’s what your budget looks like when using the 50/30/20 rule: 

Use 50 per cent of your money on your needs 

According to this rule, half of your after-tax income should be spent on your needs and obligations. Simply put, needs are expenses that you can’t avoid and are necessary for survival.  Needs include rent, electricity and gas bills, transportation, insurance, food and minimum loan repayments. 

While this budget may vary from one person to another, if your overall needs expenses are significantly higher than 50 per cent of your after-tax income, the authors suggested making changes that could help you get it under half of your take-home income. For example, looking for a smaller yet more affordable apartment.  

Spend 30 per cent of your cash on wants 

Your wants consist of things that make your life more enjoyable but are not considered as necessities. This includes dining out, your morning coffee runs and other expenses on entertainment, such as concerts, brunches and watching movies in cinemas. According to the Warrens, 30 percent of your income can be spent on things that you choose to spend your money on, although you could live without them if you had to. Non-essential expenses include clothes shopping, holidays, gym membership and groceries that are not essential (junk food, skin care items etc).

This category also includes the upgrade decisions you make. For example, choosing a more expensive gym membership, buying a more expensive brand of clothing instead of a more economical one. Basically, wants are those little extras you spend money on that make life more enjoyable and entertaining. 

If you are spending more than 30 per cent of your income on these things, you will have to either downsize your lifestyle or cut down on wants. Anything in the wants bucket is optional if you boil it down. You can pass up on night outs, cook at home instead of dining out or take public transportation to work. 

Stash 20 per cent to savings 

Finally, allocate 20 per cent of your net income to your savings and investments. This includes adding money to an emergency fund and any investments you have (bonds, stocks, mutual funds). 

Your savings include any and all savings you are setting aside, such as your emergency fund, extra repayments and goal savings. It’s recommended that you have at least three months of emergency savings on hand if you lose your income or an unforeseen event happens. After you build up your emergency fund, focus on increasing your retirement savings and achieving other financial goals, such as saving for a house downpayment. 

You can think of this category as your “get ahead” category. You can pay off debt much quicker and you can make significant strides toward a financially secure future by devoting a certain amount of your income into this category. 

The term “retirement” might not carry a sense of urgency when you’re only 24 years old, but it certainly will become more pressing in decades to come. Just keep in mind that the advantage of starting early is you will earn compounding interest the longer you let this fund grow.

How to create a 50/30/20 budget 

You can create a simple 50/30/20 budgeting plan in five easy steps:

 Step 1: Calculate your after-tax income 

To figure out the amount for each category, you’ll need to first figure out your after-tax income. And it can’t be any easier. Start with your take-home pay on your paycheck and add back deductions that aren’t taxes. It may include things such as health insurance and superannuation contributions. If you’re self-employed, your after-tax income will be equal to your gross income minus your business expenses. 

 Once you have your after-tax income, allot 50 per cent of the number for your needs spending, 30 per cent for your wants spending and 20 per cent for debt or savings expenditures. 

Step 2: Allocate your money

After identifying the amount you are working with, start recording your 50/30/20 split. The first step is to take out your 50 per cent for your needs. During this process, you must differentiate what your needs and wants are. Remember to set aside 20 per cent for your savings. Be realistic with your budget. If you’re a beginner with budgeting, give yourself room for flexible spending. 

 Step 3:  Hold yourself accountable

Keep yourself responsible by recording your spending. You can track your spending by writing it down in a notebook, using a budgeting app or creating your customised budgeting spreadsheet to keep an eye on your totals as the month progresses. This will also help you see where your money is going and what expenses you can cut down on. 

 Step 4: Automate your payments and savings 

To minimise your effort, automate your bank transfers to your savings account. These days, most utilities make it easy to set up automated payments through your online account. You can choose to activate the function or have it set up. 

Step 5:  Review your budget

Over time, your income, expenses and prioritise will change. So, don’t forget to adjust your budget accordingly to move with these changes. You may need to increase your allocation for needs upon buying a new house or having a child, or you may lessen your wants if you’ve become more accustomed to economical choices. The most important thing is to always keep a budgeting system in place. 

Is the 50/30/20 rule right for you?

The 50/30/20 rule can be a realistic and easy budgeting strategy for some people. However, whether it is the right one for you depends on your personal circumstances.

For some people, the lack of details can be problematic. The vagueness of each category makes it all too easy to hide bad spending habits and make unnecessary purchases just because you can. For others, the lack of structure makes it more difficult for them to find ways to improve their spending habits. 

Finally, the 50/30/20 budgeting method is not considered as a long-term way to manage your finances. Because it doesn’t prioritise your savings, this method is considered unsustainable. If you want to retire comfortably someday, you’ll need to boost your savings rate.

But the 50/30/20 budgeting method is not all bad. If you’re a rookie when it comes to budgeting, this rule can be a great stepping stone. It’s also important to realise that there are other budgeting solutions to try, especially if you have specific financial goals in mind.

Want to learn more about budgeting? Explore nestegg today!

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The 50/30/20 rule budget is a simple way to budget that doesn’t involve detailed budgeting categories. Here’s how you can do it. 

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With shoppers preparing themselves for mass discounts this Black Friday and Cyber Monday, experts are reminding shoppers to remain alert to online fraud.

Write comment (0 Comments) " ["fulltext"]=> string(4377) "

Stats collated by Roy Morgan with the Australian Retailers Association showed that Australians intended to spend over $54.3 billion across retail stores during the Christmas trading period, a 2.8 per cent jump on last year. 

This year, Black Friday is on 27 November, with sales going on offer across both physical and online shops until as late as 30 November, which is known as Cyber Monday.

While most major retailers make every effort to ensure effective security, cyber security experts are warning Australians to double-check the legitimacy of the website they are buying from and to never give their credit card information out over email.

“Many are wondering what this year’s holiday season will look like as consumer shopping behaviors continue to evolve and adapt to the challenges faced throughout 2020,” said Judith Bitterli, Mcafee’s VP of consumer marketing.

“With results showing the growing prevalence of online shopping, consumers need to be aware of how cyber criminals are looking to take advantage and take the necessary steps to protect themselves – and their loved ones – this holiday season.”

The computer expert pointed out that an increase in online activity through consumers hunting a bargain serves as the perfect opportunity for cyber criminals, especially as 36 per cent of consumers note that while they are aware of risks, they plan to increase their holiday online shopping. 

This less-than-cautious approach is further seen when respondents are offered deals or discounts, with less than half (43 per cent) checking to see if Black Friday or Cyber Monday emails and text messages sent are authentic and trustworthy.

With cyber security in mind, Mastercard has come up with its top 10 tips for consumers looking to take advantage of Black Friday sales.

1. Use strong, unique passwords for each online account and update them regularly – don’t store passwords on your computer. 
2. Never send your bank or credit card details via email.
3. Don’t use public computers or Wi-Fi networks to do online banking, make purchases or access your personal information.
4. Install security software on your device and ensure it is up to date to protect against the latest threats and remember to back up your computer and mobile devices regularly.
5. Use your device’s automatic update feature to install new application and operating system updates as soon as they are available.
6. Ensure your device does not automatically connect to new networks without your confirmation.
7. Check your privacy and security settings on your social networking profile and never give away your account details.
8. Look for the padlock – only enter your payment details into a secure web page. A secure web page has ‘https://’ at the beginning of the address bar and a picture of a locked padlock in the browser.
9. Check that you are dealing with a trusted, reliable business by confirming their company details and researching online feedback and complaints.
10. Check your account statements – including credit cards, bank statements, telephone and internet bills – for possible fraudulent activity.

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With shoppers preparing themselves for mass discounts this Black Friday and Cyber Monday, experts are reminding shoppers to remain alert to online fraud.

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A 38-year-old man has been sentenced to five years imprisonment after conspiring to defraud the Commonwealth of more than $5 million through the goods and services tax refunds.

Write comment (0 Comments) " ["fulltext"]=> string(1881) "

The Australian Taxation Office (ATO) alleges that over a two-year period, Michael Ray had illegally obtained personal identifying information and used it to create false entities and register them for GST.

Mr Ray would then lodge business activity statements to claim false GST refunds, which were directed into bank accounts created through the stolen identity.

In total, the scheme intended to defraud the Commonwealth of more than $5 million.

The Australian Federal Police (AFP) and ATO joint investigation, known as Operation SPINEL, identified and charged Mr Ray in May 2017, along with two other members of the Victorian-based fraud syndicate.

The verdict was rendered by the Melbourne County Court on Monday, 23 November.

ATO Assistant Commissioner Ian Read said this is a successful result under the partnership of the ATO and AFP, who work together to investigate serious criminal activities.

“Tax crime affects the whole community by reducing the revenue that is available to fund essential community services. We know the majority of people are honest, but there are a small percentage of people who deliberately abuse the tax and super system for their own financial benefit. Today’s sentencing shows that these people will be held to account.”

Mr Ray was charged after detectives identified he had attempted to obtain a share in over $5 million and dishonestly obtained a share in more than $2.5 million from the GST fraud scheme which had operated between 12 November 2010 and 14 December 2012.

Police executed search warrants at a number of Melbourne properties and safety deposit boxes, seizing more than $1.5 million in cash.

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A 38-year-old man has been sentenced to five years imprisonment after conspiring to defraud the Commonwealth of more than $5 million through the goods and services tax refunds.

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Logistical issues and currency fluctuations caused by the COVID-19 pandemic has seen the most expensive cities in the world drastically change, new research has revealed.

Write comment (0 Comments) " ["fulltext"]=> string(3170) "

Paris and Zurich have joined Hong Kong in becoming the three most expensive cities in the world, according to the latest Cost of Living Index from the Economist Intelligence Unit (EIU).

The index compared the prices of 138 goods and services from some 130 cities in September 2020 and found that prices on average grew 0.3 per cent over the past year.

The European cities have leapfrogged over Singapore and Osaka, which tied with Hong Kong in the previous survey conducted in March.

The changes are due to the COVID-19 pandemic, which has seen prices fluctuate around the world.

Currency fluctuations due to the pandemic means destinations in Africa, the Americans and Eastern Europe became less expensive since March, while Western Europe, where the Euro has risen in value against the US dollar have seen price rises.

A mass exodus of foreign workers has seen Singapore fall to fourth in world rankings, while Osaka has fallen with Tel Aviv now tying for fifth place.

Geneva, New York City, Copenhagen and Los Angeles round out the top 10.

Sydney is now the 15th most expensive city, while London ranked 20th in the world.

Largest cost of living rises

While Paris and Zurich are the most expensive cities in the world, the biggest cost-of-living increases were in Tehran and Perth.

 

The index showed the cost-of-living in Perth increased compared with other major cities as the Western Australian capital climbed 12 places to 67th most expensive city in the world.

Only Tehran made a bigger leap up the ladder – climbing 27 rungs to 79th place due to the reduced supply of goods (and subsequent price increases) caused by US sanctions.

Costly cigarettes, cheap clothes

While the prices of packaged goods, such as coffee, cheese, rice and orange juice, rose across most cities in the latest worldwide cost of living survey, the average index for the food and grocery category remained flat.

Logistical challenges also affected prices, with shortages of goods such as toilet roll and pasta fuelling price rises in some categories.

Of the 10 categories covered by the report, tobacco and recreation saw the biggest price increases, while clothing prices have seen the steepest decline.

The mean index for tobacco reported the highest year-on-year increase for any non-durable goods. 

All five Australian cities saw double-digit increases in the tobacco index.

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A Sydney financial adviser has pleaded guilty to misappropriating $2.9 million in his clients’ funds.

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On 17 November 2020, Ross Hopkins from Northern Sydney suburb Seaforth appeared at the Downing Centre Local Court, where he pleaded guilty to 15 offences and was committed to the Sydney District Court for sentence.

ASIC’s case against Mr Hopkins alleged that between 14 October 2016 and 8 October 2019, as the sole director of advice firm QWL, he made 167 unauthorised transactions for 13 clients amounting to $2.938 million.

The regulator alleged the misappropriated funds were transferred into Mr Hopkins’ own personal accounts, or accounts otherwise controlled by him, and used for his own benefits.

ASIC also alleged that he made false representations about the nature of the unauthorised transfers to conceal his dishonest conduct and avoid detection.

QWL, which has held its AFSL since 2004, provided financial advice including dealing in securities and advising on self-managed superannuation funds.

ASIC commenced an investigation into Mr Hopkins and the company in 2019, in response to allegations that QWL had failed to assist AFCA in resolving client complaints.

On 4 November 2019, ASIC obtained orders and undertakings restraining Mr Hopkins and QWL from dissipating assets or providing financial services to clients.

On 18 November 2019, the regulator obtained an extension of those orders until 25 May 2020, with a further extension obtained until 23 November.

Following ASIC’s investigation, Mr Hopkins was charged with dishonesty offences and then entered into an early guilty plea. Mr Hopkins has been granted conditional bail.

The matter has been adjourned to the Sydney District Court for mention on 18 December. 

The Commonwealth Director of Public Prosecutions is prosecuting the matter following a referral by ASIC.

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The federal government has agreed to a  “landmark” class action settlement worth $1.2 billion over its controversial robodebt recovery program, which raised automated debts against welfare recipients.

Write comment (0 Comments) " ["fulltext"]=> string(3847) "

The robodebt scheme has been widely criticised for using computer algorithms to raise debt against hundreds of thousands of Australians who are on welfare with little human overbite.

In May, the government indicated that it will be taking steps to refund $721 million from 470,000 debt notices – affecting 373,000 Australians – raised wholly or partially through its controversial robodebt scheme.

Stuart Robert MP, in his role as the minister for the national disability insurance scheme and minister for government services, released a statement at the time that said “the Morrison government takes its responsibility for upholding the integrity of Australia’s welfare system seriously”.

While Prime Minister Scott Morrison apologised in Parliament for “hurt or harm” caused by the process back in May.

Yesterday’s settlement includes that amount, plus $112 million in compensation and a decision to drop a further $398 million in debts wrongly raised.

Gordon Legal, which represented the Centrelink recipients who had been forced to pay back money under the “unlawful” scheme, said the parties had reached an agreement which, if approved by the Federal Court, will see $1.2 billion in total delivered to participants in the legal challenge since it started, including $112 million in compensation. 

The firm noted that, in settling the class action, “the Commonwealth has not admitted that it was legally liable to group members”.

“We want to acknowledge the courage of the lead applicants; Katherine, Elyane, Steven, Felicity, Shannon and Devon, who led these proceedings on behalf of all robodebt victims in pursuit of this class action, which has allowed this outcome to be achieved today,” Gordon Legal partner Andrew Grech said.

“Our clients have asked us to especially thank Bill Shorten for his relentless pursuit of this issue, for his compassion over the last four years for vulnerable Australians hurt by robodebt and for bringing the case to Gordon Legal’s attention when it seemed that all other options had been exhausted and only resorting to the legal system would help.”

Mr Grech further acknowledged the work of the legal team at Victoria Legal Aid, whom he said worked tirelessly to bring a number of individual claims before the Federal Court before the class action was commenced, as well as the efforts of many community legal services in the Welfare Rights Network, such as Social Security Rights Victoria, who have been advocating for victims of robodebt for the last few years.

Shadow minister for government services Bill Shorten said in a statement that Labor would continue to push for a royal commission into robodebt.

The class action, launched on behalf of people who received notices through the automated debt recovery process, was launched last year with senior partner Peter Gordon making the announcement along with Mr Shorten. It comes after pressure over the federal government’s “15,000 mistakes” borne out of the automated system.

Services Australia began rolling out $721 million in refunds for the illegal scheme from July 2020.

Are you entitled to a refund from the scheme? Here’s what you need to do. 

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The federal government has agreed to a  “landmark” class action settlement worth $1.2 billion over its controversial robodebt recovery program, which raised automated debts against welfare recipients.

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"2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#5551 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5249 (3) { ["data":protected]=> object(stdClass)#5252 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5251 (3) { ["data":protected]=> object(stdClass)#5254 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5550 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5253 (3) { ["data":protected]=> object(stdClass)#5256 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5255 (3) { ["data":protected]=> object(stdClass)#5258 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5547 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5257 (3) { ["data":protected]=> object(stdClass)#5260 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5259 (3) { ["data":protected]=> object(stdClass)#5262 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5548 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5261 (3) { ["data":protected]=> object(stdClass)#5264 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5263 (3) { ["data":protected]=> object(stdClass)#5266 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5543 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5265 (3) { ["data":protected]=> object(stdClass)#5271 (1) { ["options"]=> object(stdClass)#5269 (2) { ["options0"]=> object(stdClass)#5268 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5270 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5267 (3) { ["data":protected]=> object(stdClass)#5273 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5546 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5272 (3) { ["data":protected]=> object(stdClass)#5275 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5274 (3) { ["data":protected]=> object(stdClass)#5277 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5556 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5276 (3) { ["data":protected]=> object(stdClass)#5279 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5278 (3) { ["data":protected]=> object(stdClass)#5281 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(70) "/save-money/debt-consolidation/robodebt-class-action-settles-for-1-2bn" ["image"]=> string(48) "images/article-826x550/Centrelink-signage-ne.jpg" ["image_alt"]=> string(21) "Robodebt class action" } }