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Debt consolidation is a strategic approach to managing multiple debts by combining them into a single, more manageable loan.

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This method can simplify your payments, potentially lower interest rates, and help you pay off debt faster. However, it requires careful planning and understanding. Here are essential tips for effective debt consolidation.

Essential tips for effective debt consolidation

Assess your financial situation

Start by thoroughly assessing your current financial situation. List all your debts, including credit card balances, personal loans, and other liabilities.

Note the interest rates and monthly payments for each. This overview will help you understand the total debt you’re dealing with and identify the high-interest debts that should be prioritised in consolidation.

Understand different debt consolidation options

Debt consolidation can be achieved through various methods, including personal loans, balance transfer credit cards, and home equity loans. Each option comes with its pros and cons:

• Personal loans: These can be used to pay off multiple debts, leaving you with one monthly payment. They often have lower interest rates than credit cards but may require good credit to qualify.
• Balance transfer credit cards: These cards offer low or zero interest rates for an introductory period, making them suitable for consolidating credit card debt. Be aware of the transfer fees and the standard interest rate after the introductory period ends.
• Home equity loans: If you own a home, you can borrow against the equity to pay off debts. These loans usually have lower interest rates but come with the risk of losing your home if you default.

Check for prepayment penalties

Before consolidating, check if your current debts have prepayment penalties. Paying off loans early can sometimes trigger these fees, which would add to your costs and could negate the benefits of consolidation.

Create a repayment plan

Consolidation alone won’t solve debt problems; a solid repayment plan is crucial. Determine how much you can realistically pay each month towards your consolidated debt. Stick to this plan to pay off the debt within the loan term, avoiding extending the debt unnecessarily.

Avoid accumulating new debt

While paying off your consolidated debt, it’s crucial to avoid taking on new debts. Keep credit card usage to a minimum and avoid additional loans. This discipline is essential for successfully getting out of debt.

Consider financial counselling

If you’re overwhelmed, consider seeking advice from a financial counsellor. They can provide personalised advice and help you understand the implications of different consolidation options.

Monitor your credit score

Debt consolidation can impact your credit score in various ways. Monitor your credit score to understand these impacts and manage your credit health during and after the consolidation process.

Read the fine print

Before agreeing to any consolidation loan, read the terms and conditions carefully. Understand the interest rates, fees, loan terms, and any potential penalties.

---

Effective debt consolidation requires careful consideration and disciplined financial management. By understanding your options, creating a realistic repayment plan, and avoiding new debt, you can successfully manage and reduce your debt load.

Remember, consolidation is a tool to help you manage debt more effectively, not a means to incur more debt.

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Debt consolidation is a strategic approach to managing multiple debts by combining them into a single, more manageable loan.

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In the digital age, managing personal finances has shifted from pen and paper to smartphones, with budgeting apps becoming invaluable tools for those looking to save money.

With an array of features designed to track spending, save money, and invest, these apps can provide Australians with the assistance needed to transform their financial habits.

Here are five budgeting apps that could change the way you manage your savings.

5 budgeting apps that will transform your savings

1. Pocketbook

Pocketbook is an Australian budgeting app that simplifies personal finance. Designed to be user-friendly, it securely syncs with your Australian bank accounts to automatically categorise transactions, helping you to see where your money is going and identify areas to save.

Features:

• Automatic categorisation of spending
• Bills and income tracking
• Safe spending limits to help with savings goals

Pocketbook also generates monthly reports, giving you a clear overview of your financial activity, which can be a game changer for your savings regimen.

2. MoneyBrilliant

MoneyBrilliant is like having a personal financial advisor in your pocket. It goes beyond budgeting to provide insights into all aspects of your financial life, from superannuation to insurance, helping you make more informed decisions about your money.

Features:

• Comprehensive overview of finances
• Tax deduction tracking
• Advanced insights on spending habits

The app also offers a ‘Bill Watch’ feature, which monitors your recurring expenses and suggests ways to cut down on them, potentially boosting your savings significantly.

3. Goodbudget

Goodbudget is based on the envelope system where you allocate your income to different spending categories (envelopes). It’s a great tool for those who like to be proactive with their budgeting, as it encourages you to set aside money for specific purposes.

Features:

• Envelope budgeting method
• Sync and share budgets across multiple devices
• Expense tracking and historical reports

This method ensures you have money allocated for your savings goals, making it easier to resist the temptation to overspend.

4. YNAB (You Need A Budget)

YNAB is a popular budgeting app internationally and is perfect for Australians who want a robust tool to help them live within their means. The app’s philosophy is built around giving every dollar a job, ensuring that you’re intentional about every dollar you earn.

Features:

• Personalised budgeting methodology
• Goal tracking
• Detailed reporting and personal support

YNAB’s proactive approach to budgeting ensures that users are constantly thinking about their financial priorities, which can lead to more effective savings strategies.

5. Frollo

Frollo is an Australian fintech company that offers a budgeting app designed to make personal finance management simple and rewarding. It features a user-friendly interface and a community aspect that makes the journey towards savings goals a shared experience.

Features:

• User-friendly interface with financial wellness score
• Community challenges to improve financial health
• Bill comparison tool

The app’s bill comparison tool is particularly useful, helping users find better deals on their regular expenses, leaving more room for savings.

---

Budgeting apps are more than just digital ledgers. They’re comprehensive tools that can significantly improve your financial literacy and discipline.

By providing insights into spending patterns and helping to automate the savings process, they offer a modern solution to the age-old problem of how to save more effectively.

Each app listed here offers unique features, but all are geared towards helping you take control of your finances. With any of these options, the power to transform your savings is at your fingertips – quite literally.

Remember, the best budgeting app is one that aligns with your personal financial goals and habits, so choose the one that fits you best, and start your journey to financial empowerment today.

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• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(5190) "

In the digital age, managing personal finances has shifted from pen and paper to smartphones, with budgeting apps becoming invaluable tools for those looking to save money.

With an array of features designed to track spending, save money, and invest, these apps can provide Australians with the assistance needed to transform their financial habits.

Here are five budgeting apps that could change the way you manage your savings.

5 budgeting apps that will transform your savings

1. Pocketbook

Pocketbook is an Australian budgeting app that simplifies personal finance. Designed to be user-friendly, it securely syncs with your Australian bank accounts to automatically categorise transactions, helping you to see where your money is going and identify areas to save.

Features:

• Automatic categorisation of spending
• Bills and income tracking
• Safe spending limits to help with savings goals

Pocketbook also generates monthly reports, giving you a clear overview of your financial activity, which can be a game changer for your savings regimen.

2. MoneyBrilliant

MoneyBrilliant is like having a personal financial advisor in your pocket. It goes beyond budgeting to provide insights into all aspects of your financial life, from superannuation to insurance, helping you make more informed decisions about your money.

Features:

• Comprehensive overview of finances
• Tax deduction tracking
• Advanced insights on spending habits

The app also offers a ‘Bill Watch’ feature, which monitors your recurring expenses and suggests ways to cut down on them, potentially boosting your savings significantly.

3. Goodbudget

Goodbudget is based on the envelope system where you allocate your income to different spending categories (envelopes). It’s a great tool for those who like to be proactive with their budgeting, as it encourages you to set aside money for specific purposes.

Features:

• Envelope budgeting method
• Sync and share budgets across multiple devices
• Expense tracking and historical reports

This method ensures you have money allocated for your savings goals, making it easier to resist the temptation to overspend.

4. YNAB (You Need A Budget)

YNAB is a popular budgeting app internationally and is perfect for Australians who want a robust tool to help them live within their means. The app’s philosophy is built around giving every dollar a job, ensuring that you’re intentional about every dollar you earn.

Features:

• Personalised budgeting methodology
• Goal tracking
• Detailed reporting and personal support

YNAB’s proactive approach to budgeting ensures that users are constantly thinking about their financial priorities, which can lead to more effective savings strategies.

5. Frollo

Frollo is an Australian fintech company that offers a budgeting app designed to make personal finance management simple and rewarding. It features a user-friendly interface and a community aspect that makes the journey towards savings goals a shared experience.

Features:

• User-friendly interface with financial wellness score
• Community challenges to improve financial health
• Bill comparison tool

The app’s bill comparison tool is particularly useful, helping users find better deals on their regular expenses, leaving more room for savings.

---

Budgeting apps are more than just digital ledgers. They’re comprehensive tools that can significantly improve your financial literacy and discipline.

By providing insights into spending patterns and helping to automate the savings process, they offer a modern solution to the age-old problem of how to save more effectively.

Each app listed here offers unique features, but all are geared towards helping you take control of your finances. With any of these options, the power to transform your savings is at your fingertips – quite literally.

Remember, the best budgeting app is one that aligns with your personal financial goals and habits, so choose the one that fits you best, and start your journey to financial empowerment today.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(75) "/save-money/how-to-budget/5-budgeting-apps-that-will-transform-your-savings" ["image"]=> string(141) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701070447/5_budgeting_apps_that_will_transform_your_savings_ej1xn9.png" ["image_alt"]=> string(0) "" } [2]=> object(stdClass)#7977 (57) { ["id"]=> int(18397) ["title"]=> string(69) "Credit cards or personal loans: What’s best for debt consolidation?" ["alias"]=> string(65) "credit-cards-or-personal-loans-what-s-best-for-debt-consolidation" ["introtext"]=> string(156) "

When it comes to debt consolidation, Australians have several options at their disposal. Among the most common are credit cards and personal loans.

" ["fulltext"]=> string(4518) "

Each has its own set of advantages and potential pitfalls, and the best choice often depends on an individual’s financial situation and goals. Let’s break down both options to help you decide which is best for consolidating your debts.

Credit cards for debt consolidation

Using a credit card to consolidate debt typically involves transferring balances from multiple high-interest cards to a single card with a lower interest rate, often a card with a 0 per cent balance transfer offer. This can simplify your payments and potentially reduce the amount of interest you pay.

Pros:

• Promotional offers: Many credit cards offer introductory periods with 0 per cent interest on balance transfers. This can provide a window of opportunity to pay down your debt without accruing additional interest.
• One payment: Consolidating your debts onto a single credit card means you only have to worry about one payment, making it easier to manage.
• Flexibility: Credit cards offer flexible repayments with the option to pay more than the minimum due each month, which can help you pay off the balance faster.

Cons:

• Reverting interest rates: After the promotional period ends, the interest rate may revert to a higher rate than some personal loans, which could end up costing you more in the long run.
• Balance transfer fees: Some credit cards charge a fee to transfer your balances, which could negate some of the savings on interest.
• Credit score impact: Your credit score could be impacted if your credit card balance is close to the credit limit, as it increases your credit utilisation ratio.

Personal loans for debt consolidation

A personal loan for debt consolidation involves taking out a new loan to pay off multiple debts. This new loan often has a lower interest rate compared to the average rate on your previous debts, and it comes with a fixed repayment period.

Pros:

• Fixed interest rates: Many personal loans offer fixed interest rates, which means your repayments remain the same for the duration of the loan.
• Set repayment period: Personal loans have a defined term, which can assist with budgeting and ensure your debt is paid off within a specific time frame.
• Potentially lower rates: If you have a good credit rating, you may be eligible for a personal loan with a lower rate than your credit card, potentially saving you money on interest.

Cons:

• Upfront costs: Some personal loans come with origination fees or other upfront costs that should be considered when calculating the total cost.
• Less flexibility: Unlike credit cards, personal loans have fixed repayments and typically don’t allow you to redraw the balance you have paid off.
• Early repayment penalties: Some lenders charge fees for early repayment, which could discourage you from paying off your loan ahead of schedule.

What’s best for you?

The right option for debt consolidation will depend on various factors, including:

1. The amount of debt you have
2. Your current interest rates
3. Your credit score
4. Your ability to pay off the debt within the credit card’s promotional period
5. Your discipline with repayments

If you can pay off the consolidated debt during a credit card’s interest-free period, and you’re disciplined enough to stick to a repayment plan, a balance transfer credit card might be the way to go. However, if you prefer a structured repayment plan and a clear end date, or if you have a larger amount of debt, a personal loan might be more suitable.

It’s vital to crunch the numbers, taking into account all fees and interest rates, and to consider your financial habits. Whichever option you choose, the goal is to reduce the interest you’re paying and to get your debt under control. It’s wise to seek advice from a financial adviser to ensure that your choice aligns with your long-term financial strategy.

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• Yes

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When it comes to debt consolidation, Australians have several options at their disposal. Among the most common are credit cards and personal loans.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(96) "/save-money/debt-consolidation/credit-cards-or-personal-loans-what-s-best-for-debt-consolidation" ["image"]=> string(157) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701069798/Credit_cards_or_personal_loans_what_s_best_for_debt_consolidation_osegvl.png" ["image_alt"]=> string(0) "" } [3]=> object(stdClass)#7976 (57) { ["id"]=> int(18395) ["title"]=> string(46) "Navigating online money-making: Scams to avoid" ["alias"]=> string(45) "navigating-online-money-making-scams-to-avoid" ["introtext"]=> string(270) "

In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

" ["fulltext"]=> string(5010) "

Australians looking to navigate the world of online money-making must be vigilant to steer clear of scams. Here’s how to identify potential scams and protect yourself from becoming a victim.

Navigating online money-making: Scams to avoid

1. Investment schemes

Phoney investment schemes are rampant online. They promise high returns with little to no risk, often involving cryptocurrencies or ’revolutionary’ trading software. They may pressure you to act quickly or promise guaranteed returns. Remember, if an investment opportunity sounds too good to be true, it probably is.

2. Phishing scams

Phishing scams lure you into providing personal and banking information under the guise of reputable organisations. Always verify the source before clicking on links in emails or messages. A legitimate business will never ask for your password or bank details via email.

3. Pyramid schemes

These schemes are cleverly disguised as multi-level marketing (MLM) opportunities. They rely on recruiting more people to invest in the program rather than selling an actual product or service. If the focus is more on recruitment than sales, steer clear.

4. ‘Get rich quick’ schemes

Online courses or programs that claim to teach you how to become wealthy in a very short time are usually suspect. These often involve a substantial upfront fee and provide little to no value in return.

5. Mystery shopping

While there are legitimate mystery shopping jobs, scammers often use this ploy to trick people. They might send a cheque, ask you to cash it, and then use some of that money to ’test’ a money transfer service. The cheque will eventually bounce, leaving you out of pocket.

6. Online surveys and task completion

There are genuine websites that pay for completing surveys or tasks, but some are scams that either don’t pay out or require you to pay for membership. Research and read reviews before committing your time and personal details.

How to avoid online money-making scams

Do your homework

Research is your best defence. Before investing time or money, do a thorough check of the company or offer. Search for reviews and complaints online, and check with official regulators like ASIC to confirm legitimacy.

Secure your personal information

Be cautious about sharing personal information. Use strong, unique passwords for different sites, and enable two-factor authentication where possible. Keep your computer’s antivirus software up to date.

Understand the offer

Make sure you fully comprehend the terms and conditions of any online money-making venture. Be wary of complex jargon or convoluted explanations designed to confuse and mislead.

Trust your instincts

If something feels off, trust your gut. Scammers often use high-pressure tactics to push you into making decisions without giving you time to think or ask questions.

Report suspicious activity

If you come across a potential scam, report it to the ACCC through the Scamwatch website. Your report could help others avoid being scammed.

---

The allure of easy money can be tempting, but the internet is a minefield of scams that prey on hopeful money-makers. By remaining informed and cautious, you can navigate through dubious offers and find legitimate ways to earn money online.

Always remember, when it comes to online money-making, if it seems too easy, too fast, or too good, it warrants a closer look. Stay vigilant and keep your wits about you to ensure your online endeavours lead to legitimate gains, not losses.

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In an era where the click of a button can lead to monetary gain, the internet has become a bustling marketplace for those looking to supplement their income. However, where there is opportunity, there are also opportunists ready to take advantage of the unwary.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(63) "/save-money/scams/navigating-online-money-making-scams-to-avoid" ["image"]=> string(137) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701068759/Navigating_online_money-making_scams_to_avoid_rere6i.png" ["image_alt"]=> string(0) "" } [4]=> object(stdClass)#7975 (57) { ["id"]=> int(18375) ["title"]=> string(45) "Navigating tax laws for capital gains in 2023" ["alias"]=> string(45) "navigating-tax-laws-for-capital-gains-in-2023" ["introtext"]=> string(119) "

The landscape of Australian tax laws surrounding capital gains is ever-changing, with 2023 being no exception.

" ["fulltext"]=> string(4440) "

Whether you’re planning to sell an investment property, cash in some shares, or divest other types of assets, knowing the tax implications is critical. This article aims to guide you through the nuances of capital gains tax (CGT) laws as they stand in 2023.

What are capital gains?

In simple terms, a capital gain occurs when you sell an asset for more than what it cost you. This difference is the ‘capital gain’ which may be subject to tax. On the flip side, a capital loss is when the asset sells for less than the cost base.

The basics: individual v company rates

For individuals, the tax rate for capital gains is the same as your income tax rate. However, if you’ve held the asset for more than 12 months, you may be eligible for a 50 per cent CGT discount.

Companies, however, do not get the benefit of the CGT discount. They are taxed at the corporate tax rate, which stands at 30 per cent for large companies and 25 per cent for small companies as of 2023.

Key changes in 2023

In regard to digital assets, the ATO has provided clarity by asserting that any profits derived from investments in cryptocurrencies will be subject to Capital Gains Tax (CGT).

There have been stricter limitations imposed on the eligibility to claim tax deductions for vacant land, further narrowing the scope for such deductions.

Exemptions and concessions

The Main Residence Exemption could apply if the property you sold was your primary dwelling, potentially granting an exemption from Capital Gains Tax (CGT).

Small businesses may benefit from special Capital Gains Tax (CGT) concessions that could either exempt them from CGT liability or reduce the amount owed.

Timing and strategies

To qualify for a 50 per cent Capital Gains Tax (CGT) discount, it's necessary to retain your assets for a minimum of 12 months.

If you've incurred capital losses, you have the option to offset these losses against your gains, potentially reducing your overall tax liability.

Important considerations

Maintaining meticulous records is vital when it comes to calculating your cost base and determining whether you qualify for any discounts or exemptions under Capital Gains Tax (CGT).

Due to the intricate nature of CGT laws, seeking guidance from a tax professional is highly recommended to ensure compliance and optimize your tax outcomes.

Navigating complexity

Understanding your CGT obligations can be challenging. Here are some tips for navigating this complex area.

Seeking guidance from a Tax Adviser is essential for customizing your Capital Gains Tax (CGT) strategy to your specific circumstances.

It's imperative to stay current with tax laws, as they undergo regular revisions that could impact your situation.

Utilizing tax planning software can be advantageous, as it can simplify the process of calculating your CGT liability and ensure accuracy in your tax planning efforts.

Conclusion

Navigating the labyrinthine laws of capital gains tax is not for the faint-hearted. With the continually evolving regulations, staying updated is more crucial than ever. While this guide provides a comprehensive overview of the current landscape in 2023, it’s always wise to consult professionals for personalised advice.

By staying informed and vigilant, Australians can navigate the complex world of capital gains tax, minimising liability while maximising returns.

 

This article is intended for informational purposes and should not be considered as tax advice. Consult a tax adviser for tailored advice to suit your individual circumstances.

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The landscape of Australian tax laws surrounding capital gains is ever-changing, with 2023 being no exception.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(68) "/save-money/tax-saving/navigating-tax-laws-for-capital-gains-in-2023" ["image"]=> string(137) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1699325858/navigating_tax_laws_for_capital_gains_in_2023_cp5mri.png" ["image_alt"]=> string(0) "" } [5]=> object(stdClass)#7974 (57) { ["id"]=> int(18297) ["title"]=> string(63) "Cyber criminals using interest rates as bait to trick customers" ["alias"]=> string(62) "cybercriminals-using-interest-rates-as-bait-to-trick-customers" ["introtext"]=> string(321) "

If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

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Bogus but alarmingly convincing communications from cyber criminals pretending to be a widely recognised financial institution has become a major problem, reportedly costing the economy $33 billion in self-reported losses in 2020-21, according to the Australian Signals Directorate (ASD).

But financial experts are warning that cyber crime could become an even bigger headache for banks and potential victims alike following the Reserve Bank of Australia’s (RBA) recent decision to raise interest rates.

According to GBG solutions consultant Alex Cherniakov, fraudsters are at the ready to pounce on consumers at their most vulnerable or those expecting some kind of change to their financial situation.

“As more banks and financial institutions communicate changes related to the cost of servicing and interest rates in the coming weeks, scammers around the world will be looking to take advantage of this by impersonating banks, encouraging consumers to click on malicious links, and convincing consumers to share personal and banking information,” Mr Cherniakov said.

He warned Australians to “remain vigilant” as there will almost certainly be a rise in scams and fraud related to interest rates and repayment changes over the next few months.

Hoping to ensure Australian banking customers are aware of the potential risks in communicating with crafty scammers, Mr Cherniakov offered some common sense advice to help them avoid the ordeal of being swindled.

“Make sure you are only sharing information with trusted parties, never interact with a text, email, or unsolicited phone call,” Mr Cherniakov said.

He warned not to forget the basics such as maintaining strong passwords and using two-factor authentication.

Australia’s major banks have also offered warnings on their websites, including the Commonwealth Bank (CBA), which routinely reports phishing and investment scams.

Other major banks, including NAB, ANZ and Westpac also feature similar alert pages and forms to report suspicious activity.

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• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(531) "

If you’ve ever found yourself on the receiving end of a suspicious phone call, e-mail or text message claiming to be from a major bank and demanding your details, you’re not alone – and experts are warning everyone to be on the lookout for fraudsters posing as banks offering information on interest rates.

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