Save

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Purchasing your first home is a significant milestone, but the path to homeownership in Australia can seem daunting due to the high property prices and competitive market. However, with the right strategies and a disciplined approach, saving for your first home is entirely achievable. This article outlines practical tips for first home buyers to save efficiently and effectively.

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1. Assess your financial health

Before embarking on a savings plan, it's crucial to understand your financial situation thoroughly. Start by listing all your incomes and expenses to see how much you can realistically set aside for savings each month. Use this information to set a budget and stick to it, making adjustments as needed to ensure you can meet your savings goals.

2. Create a targeted savings plan

Once you have a clear picture of your finances, determine the amount you need for a down payment. Typically, aiming for at least a 20% down payment is advisable to avoid the additional cost of Lenders Mortgage Insurance (LMI). With this target in mind, establish a first home savings plan that outlines how much you need to save each month to reach your goal within a desired timeframe.

3. Take advantage of government schemes

The Australian government offers several schemes to assist first home buyers. The First Home Super Saver Scheme allows you to save money for your first home inside your superannuation fund, benefiting from the reduced tax environment. Additionally, state-specific grants like the First Home Owner Grant (FHOG) can provide valuable financial boosts.

4. Reduce larger expenses

One of the quickest ways to save is by reducing your largest expenses. If renting, consider moving to a less expensive area or sharing accommodation to lower your rental costs. Evaluate your transportation costs as well; using public transportation, carpooling, or even biking to work can significantly reduce your monthly expenses.

5. Automate your savings

Setting up an automatic transfer to a dedicated savings account can help you stay disciplined with your savings. Opt for a high-interest savings account or a term deposit to grow your savings faster. Automating this process ensures that you prioritize your savings goal by treating it as another essential expense.

6. Cut unnecessary spending

Examine your daily spending habits and identify areas where you can cut back. Small, everyday expenses, like dining out and subscription services, can add up. Redirecting these funds into your savings can make a considerable difference over time.

7. Stay informed and flexible

The real estate market and economic conditions can change, impacting your ability to save and purchase a home. Stay informed about market trends and adjust your savings strategy accordingly. Flexibility is key to adapting to new circumstances without derailing your homeownership goals.

8. Seek professional advice

Consider consulting with a financial advisor who can provide personalized advice based on your financial situation and goals. They can help you navigate the complexities of saving for a home, investing wisely, and taking advantage of any available financial assistance.

By implementing these smart saving tips, first home buyers in Australia can enhance their ability to save for a house and move closer to purchasing their dream home. With determination and the right strategy, turning the dream of homeownership into reality is within your reach.

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By following these guidelines, you can streamline your path to purchasing your first home in Australia. Remember, every small step in saving can lead to big achievements in your homeownership journey.

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Purchasing your first home is a significant milestone, but the path to homeownership in Australia can seem daunting due to the high property prices and competitive market. However, with the right strategies and a disciplined approach, saving for your first home is entirely achievable. This article outlines practical tips for first home buyers to save efficiently and effectively.

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In the fast-paced world we live in, managing finances can often become an overlooked aspect of our daily routines. However, the advent of technology has introduced a seamless solution to this challenge: automating your savings. Particularly in Australia, where the financial landscape is ever-evolving, setting up an automatic savings plan can offer a multitude of benefits, ensuring your financial goals are met with minimal effort. This article explores the advantages of automating your savings and provides tips on how to implement a 'set and forget' savings strategy effectively.

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The benefits of automating your savings

1. Consistency: One of the most significant advantages of automating your savings is the consistency it brings to your financial routine. By setting up an automatic transfer to your savings account, you're ensuring that a portion of your income is saved regularly, without the need for manual intervention.
2. Avoids temptation: Automating your savings helps in avoiding the temptation to spend. When money is automatically transferred to your savings account, it's out of sight and out of mind, reducing the likelihood of impulsive purchases.
3. Builds wealth over time: Thanks to the power of compound interest, regularly adding to your savings can significantly increase your wealth over time. An automatic savings plan facilitates this growth, making it easier to accumulate a substantial savings pot.
4. Stress reduction: Managing finances can often be stressful, especially when trying to save consistently. Automation takes the stress out of the equation, allowing you to set your savings goals and then focus on other aspects of your life, confident that your savings are growing.
5. Achieves financial goals: Whether it's saving for a down payment on a house, an emergency fund, or a dream holiday, automating your savings can help you reach your financial goals faster and more efficiently.

How to implement a 'set and forget' savings strategy in Australia

1. Assess your finances: Begin by evaluating your monthly income and expenses to determine how much you can afford to save regularly.
2. Choose the right savings account: Look for a high-interest savings account that suits your financial goals. In Australia, there are numerous options available, so compare features such as interest rates, fees, and accessibility.
3. Set up automatic transfers: Most Australian banks offer the option to set up automatic transfers from your checking account to your savings account. Decide on a frequency (weekly, fortnightly, or monthly) that aligns with your pay schedule and set the transfer amount.
4. Monitor and adjust: While the goal is to 'set and forget', it's essential to review your savings plan periodically. As your financial situation changes, you may need to adjust the amount you're saving or reassess your goals.
5. Combine with other financial tools: Consider using budgeting apps or financial management software to track your savings progress and gain insights into your spending habits, further enhancing your ability to save.

Conclusion

Automating your savings is a straightforward yet powerful strategy for achieving financial stability and growth in Australia. It not only simplifies the saving process but also ensures that your financial goals are progressively met without the need for constant oversight. By embracing the 'set and forget' approach, you can enjoy the peace of mind that comes with knowing your savings are on track, allowing you to focus on enjoying life's pleasures while securing your financial future.

---

Embracing automation in your savings strategy is a smart move for any Australian looking to improve their financial health. With the benefits of consistency, reduced temptation, wealth building, stress reduction, and achieving financial goals, automating your savings is an effective way to ensure your financial success with minimal effort.

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• Yes

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In the fast-paced world we live in, managing finances can often become an overlooked aspect of our daily routines. However, the advent of technology has introduced a seamless solution to this challenge: automating your savings. Particularly in Australia, where the financial landscape is ever-evolving, setting up an automatic savings plan can offer a multitude of benefits, ensuring your financial goals are met with minimal effort. This article explores the advantages of automating your savings and provides tips on how to implement a 'set and forget' savings strategy effectively.

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In uncertain times, having an emergency fund is more than a financial buffer—it's peace of mind. For Australians looking to start their journey towards financial security, building an emergency fund from scratch is a foundational step. This guide outlines practical steps and strategies to establish an emergency savings account, ensuring you're prepared for life's unexpected turns.

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Understanding the importance of an emergency fund

An emergency fund is a reserved pool of money designed to cover unexpected expenses, such as medical bills, car repairs, or sudden job loss. The aim is to provide financial security without resorting to high-interest loans or credit cards, which can exacerbate financial stress.

Step 1: Set your emergency fund goal

The first step in building your emergency fund is to determine how much you need. Most financial advisors recommend saving three to six months' worth of living expenses. Assess your monthly expenses to establish a target that suits your lifestyle and financial obligations.

Step 2: Open a dedicated savings account

Open a savings account specifically for your emergency fund. Look for accounts with higher interest rates to maximise your savings growth, ensuring it's accessible without being too easy to tap into for non-emergencies. Some banks offer accounts with no monthly fees and unlimited transactions, which can be ideal for emergency funds.

Step 3: Create a budget and identify savings

Crafting a budget is crucial. It provides insight into where your money goes each month and highlights areas where you can cut back. By reducing unnecessary expenses, you can allocate more towards your emergency fund. Consider using budgeting apps or spreadsheets to track your spending and savings progress.

Step 4: Start small and increase over time

If the idea of saving several months' worth of expenses seems daunting, start small. Even saving a small amount, like $20 or $50 per pay period, can build momentum. As you adjust your budget and find more ways to save, gradually increase your contributions.

Step 5: Automate your savings

Automation is a powerful tool for building your emergency fund. Set up automatic transfers from your checking account to your emergency savings account each payday. This "set and forget" strategy ensures consistent savings without the temptation to spend.

Step 6: Utilise windfalls wisely

Any unexpected windfalls, such as tax refunds, bonuses, or gifts, provide a great opportunity to boost your emergency fund. Allocating a portion or all of these funds to your emergency savings can help you reach your goal faster.

Step 7: Review and adjust regularly

Your financial situation can change, so it's important to review your emergency fund regularly. If your living expenses increase, adjust your savings goal accordingly. Likewise, if you achieve your initial target, consider setting a new goal to further bolster your financial security.

Conclusion

Building an emergency fund from scratch in Australia is a journey towards financial resilience. By setting a clear goal, creating a dedicated savings account, and employing strategies like budgeting, starting small, automating savings, and using windfalls wisely, you can establish a robust safety net. Remember, the key is consistency and commitment to your financial well-being, ensuring you're prepared for whatever life throws your way.

---

This comprehensive guide aims to empower Australians with actionable steps and strategies to start and grow their emergency funds. Building an emergency fund is a fundamental aspect of financial planning, providing a buffer that can help navigate through unexpected financial challenges with confidence and ease.

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In uncertain times, having an emergency fund is more than a financial buffer—it's peace of mind. For Australians looking to start their journey towards financial security, building an emergency fund from scratch is a foundational step. This guide outlines practical steps and strategies to establish an emergency savings account, ensuring you're prepared for life's unexpected turns.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(90) "/save-money/how-to-budget/crafting-your-safety-net-building-an-emergency-fund-in-australia" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713481351/pexels-tima-miroshnichenko-6693656_ldjiyp.jpg" ["image_alt"]=> string(65) "Crafting your safety net: Building an emergency fund in Australia" } [3]=> object(stdClass)#8149 (57) { ["id"]=> int(18505) ["title"]=> string(47) "Expert tips to secure your financial safety net" ["alias"]=> string(47) "expert-tips-to-secure-your-financial-safety-net" ["introtext"]=> string(146) "

New Zealanders are known for their "she'll be right" attitude, but when it comes to handling unexpected bills, being prepared is crucial.

" ["fulltext"]=> string(2466) "

Financial experts recommend having a foolproof plan for building an emergency fund to provide a financial lifeline during unforeseen circumstances. By adopting a strategic approach, including budgeting hacks to high-interest accounts, individuals can start securing their financial future today.

Developing a savings plan is essential. The Kiwi Concerns Report highlighted that one in three New Zealanders have less than $1,000 saved, which often isn't sufficient for most financial emergencies. Experts suggest aiming for a fund that covers at least three to six months of living expenses. While this goal may appear ambitious, with a well-thought-out plan, it is achievable.

Cutting out unnecessary expenses can also play a significant role in building an emergency fund. Small lifestyle changes, such as reducing daily luxury expenses and evaluating regular subscriptions, can free up significant amounts of money. Tips include cooking more at home, downsizing phone plans, shopping around for insurance, and negotiating bills to lower costs.

Maximising cash windfalls and bonuses is another way to boost emergency savings quickly. It's tempting to spend unexpected financial gains on luxuries, but allocating a portion to an emergency fund can significantly enhance financial security. "Rapid boost," "wellbeing," and "peace of mind" are just some of the benefits mentioned for maximising windfalls for emergency funds. Strategies include prioritising savings, investing in low-risk options, reducing high-interest debt, and planning for future goals.

Choosing the right place to store the emergency fund is vital, with high-interest savings accounts offering numerous advantages, such as competitive interest rates and easy access when funds are needed. To maximise earnings, individuals should compare interest rates, consider any fees, and ensure their account offers convenient access to funds.

In summary, building an emergency fund requires time, dedication, and a proactive approach. Starting with realistic goals, making consistent contributions, and adjusting plans as necessary can lead to the creation of a robust financial safety net. With the right strategies, the common Kiwi saying "she'll be right" becomes a reality of being well-prepared for any financial surprises. Additionally, individuals are encouraged to consider life insurance policies to further protect their family's financial future.

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New Zealanders are known for their "she'll be right" attitude, but when it comes to handling unexpected bills, being prepared is crucial.

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Australians, alongside citizens of Sweden, South Korea, and Mexico, are increasingly choosing to use free Virtual Private Networks (VPNs), despite the potential threats to their privacy.

" ["fulltext"]=> string(3063) "

This trend persists even as the number of paid VPN users in Australia sees a significant rise. According to a recent survey conducted by NordVPN, while there has been a noticeable drop in the usage of free VPNs in most of the 20 surveyed countries, Australia is among the few nations where the use of such services has actually increased since the previous year.

Marijus Briedis, the Chief Technology Officer at NordVPN, highlighted the risks associated with free VPNs. "A free VPN is often a privacy illusion," he noted. Briedis explained that the cost of operating a vast network of servers is immense, necessitating that companies find ways to make their operations profitable. "One of the main ways free VPNs make money is by selling your personal data to brokers," Briedis revealed, adding that this data is then purchased by advertisers to refine their marketing campaigns, thus compromising users’ privacy and security.

The survey also shed light on changing reasons behind VPN usage, revealing a slow but steady shift towards prioritizing online privacy and data protection. The proportion of people using VPNs for privacy reasons increased from nearly 37% to 40% since 2022. However, concerns about device and account security have slightly diminished.

Interestingly, the survey suggested a generational divide in attitudes towards digital privacy and security. Younger Australians appeared to be less concerned about these issues when compared to older generations. "Digital privacy and security awareness comes with maturity," Briedis remarked, indicating that Australians aged between 25 and 44 show the highest concern for digital security and demonstrate the most prudent VPN usage habits.

Australia stands out for its high level of VPN awareness and usage among the surveyed countries. Approximately 68% of Australians are aware of what a VPN is, and 32% reported using one. This represents a significant increase from 2022, when only a quarter of respondents said they used a VPN. The typical Australian VPN user is male, aged between 25 and 44, employed, and financially comfortable.

In contrast, the global average for VPN awareness and usage across the 20 countries involved in the research in 2023 is slightly lower, with nearly 64% awareness and about 29% usage. The leading countries in terms of VPN usage include Hong Kong, Singapore, and Malaysia.

However, despite the overall decline in the use of free VPNs in the biggest markets, Australia, Sweden, South Korea, and Mexico saw increases in the percentage of people opting for these services. The trend in Australia saw the number of free VPN users grow from 33% to 35%.

The survey, aimed to gather insights into VPN awareness and usage, was conducted by an external agency on behalf of NordVPN between January and October 2023. It included responses from 54,625 participants across 20 countries, with quotas placed on age, gender, and place of residence to ensure nationally representative samples among internet users.

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Australians, alongside citizens of Sweden, South Korea, and Mexico, are increasingly choosing to use free Virtual Private Networks (VPNs), despite the potential threats to their privacy.

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The analysis conducted by Parents for Climate has revealed that the installation of rooftop solar and batteries in early childhood education and care (ECEC) centres could lead to savings of up to $130 million a year on energy bills.

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This initiative aims to shield these centres from future energy price increases, thereby reducing the financial burden on services and families. In 2023, it was found that depending on their location, childcare centres experienced a 14.7 per cent to 28.9 per cent hike in energy bills compared to the previous year. This is notably during a period when families are already grappling with a documented cost of living crisis.

In the context of global figures, childcare in Australia is more expensive than in many other OECD countries. In 2022, an average Australian couple with two children devoted 16 per cent of their net household income to childcare, contrasting with the OECD average of 9 per cent.

Parents for Climate's chief executive officer, Nic Seton, pointed out the disparity in the transition towards renewable energy within the sector. "Our analysis shows that while a small number of centres are already installing solar and saving money, the vast majority lack the capacity to access clean energy upgrades," Seton said. He highlighted that many centres face obstacles such as a lack of time and expertise to explore their options, with upfront costs being a significant barrier.

This research suggests that early childhood centres could achieve annual savings in their energy bills ranging between $12,400 and $14,600 if both federal and state governments extend the support for rooftop solar and battery installations, currently available to state schools, to the ECEC sector. So far, programmes to install air conditioning powered by rooftop solar have been initiated in state schools in New South Wales and Queensland, but similar support specifically targeted at the ECEC sector has yet to be established.

Tim Buckley, founder and director of Climate Energy Finance, indicated the broader implications of such a project. "A full rollout of solar on schools and early childhood centres would be the largest renewables project in Australia’s history," Buckley said. He elaborated on the potential benefits, such as stabilising the grid at the distribution level, especially as battery systems become more economically viable.

Seton also touched on the additional advantages of more affordable clean energy solutions, particularly for young children who are highly susceptible to heat-related illnesses. "We also know that more affordable clean energy solutions like rooftop solar would increase access to air conditioning and a safer environment for babies and young children," he stated.

Furthermore, Parents for Climate discussed how enhancing support for rooftop solar installations could tackle social inequality by alleviating operational costs in regions with lower socio-economic status. The organisation also identified other benefits of government support for rooftop solar and batteries in the ECEC sector and schools, including the creation of over 6,000 renewable energy jobs across Australia, a reduction of 1.35 million tonnes in carbon emissions annually, and contributions towards the Australian Government’s objective of sourcing 82 per cent of the country's power from renewable energy.

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• Yes

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The analysis conducted by Parents for Climate has revealed that the installation of rooftop solar and batteries in early childhood education and care (ECEC) centres could lead to savings of up to $130 million a year on energy bills.

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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8943 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8877 (3) { ["data":protected]=> object(stdClass)#8855 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8849 (3) { ["data":protected]=> object(stdClass)#8875 (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":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8945 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8865 (3) { ["data":protected]=> object(stdClass)#8805 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8874 (3) { ["data":protected]=> object(stdClass)#8884 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8918 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8841 (3) { ["data":protected]=> object(stdClass)#8882 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8775 (3) { ["data":protected]=> object(stdClass)#8880 (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":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8910 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8883 (3) { ["data":protected]=> object(stdClass)#8868 (1) { ["options"]=> object(stdClass)#8829 (2) { ["options0"]=> object(stdClass)#8878 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8866 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8881 (3) { ["data":protected]=> object(stdClass)#8873 (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":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8946 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8879 (3) { ["data":protected]=> object(stdClass)#8902 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8867 (3) { ["data":protected]=> object(stdClass)#8904 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8921 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8901 (3) { ["data":protected]=> object(stdClass)#8906 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8903 (3) { ["data":protected]=> object(stdClass)#8908 (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":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(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"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(90) "/save-money/expenses/rooftop-solar-in-childcare-centres-could-cut-energy-bills-by-millions" ["image"]=> string(161) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708306217/Rooftop_solar_in_childcare_centres_could_cut_energy_bills_by_millions_z1owth.jpg" ["image_alt"]=> string(69) "Rooftop solar in childcare centres could cut energy bills by millions" } }