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["title"]=>
string(37) "Capitalising on the COVID-19 pandemic"
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["introtext"]=>
string(208) "
More time at home means many Australians now have the opportunity to re-assess their lifestyle and spending habits and set some serious saving goals. So how can you actually go about it?
" ["fulltext"]=> string(1236) "In this episode of The nestegg Podcast, host Grace Ormsby is joined by Melbourne-based Reventon’s Billie Christofi to talk all things finance and the impact of isolation on our hip pockets.
In stage 4 lockdown, Billie shares the importance of going back to basics when it comes to budgeting, methods to re-assess spending habits, and some of the less conventional ways people can boost their wealth at this time.
Thanks Billie, for sharing your insights with the nestegg podcast team!
Have an investment story to share? Get in touch at [email protected] and you might get featured on an upcoming episode!
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string(5) "15035"
["title"]=>
string(51) "How to safeguard your finances through the pandemic"
["alias"]=>
string(51) "how-to-safeguard-your-finances-through-the-pandemic"
["introtext"]=>
string(463) "
Australians are ill-prepared for any major setback financially, with one in five Aussies needing credit to get through unforeseen financial expenses, new research has found.
Write comment (0 Comments) " ["fulltext"]=> string(3040) "Research from comparison site Mozo has looked at how Australians fare financially when faced with unforeseen expenses or setbacks.
Only one in four Australians said they have the funds to weather unexpected costs and be financially buoyant, while the remaining 75 per cent admitted they would feel a degree of financial strain.
Half of working households currently have less than $7,00 in the bank, while one in 10 has less than $90 in their accounts right now.
“Unforeseen expenses are never a welcome surprise, and for many Australian families, the spread of COVID-19 is the most disruptive financial event that they’ve ever experienced – with hundreds of thousands likely to be out of work in the next few months,” said Mozo’s director and money expert, Kirsty Lamont.
However, even households that are lucky enough to have $7,000 in savings would only last 4.4 weeks if they found themselves without a stream of income.
“Mozo research has found that three out of four Australians are not financially comfortable when unforeseen expenses or unexpected circumstances arise. Forty per cent don’t have enough money at the end of every pay packet to put money into savings and half the nation is saving less than $2,004 a month.”
“The images of hundreds of people queued outside welfare offices all across the country is a reflection of just how hard many Australians are doing it,” Ms Lamont continued.
The key to safeguarding
The financial expert advises Aussies that the health pandemic shows the importance of safety net, given unexpected financial hits, while explaining how to build a financial buffer.
“Being stuck at home means our spending options are limited, so use this as an opportunity as a time to build a buffer. Aim to save at least 20 per cent of your take-home pay over the next few months,” Ms Lamont said.
“While this may seem like a major feat, you could be surprised at how much your outgoings have reduced. With a bit of fine-tuning, you could make major savings.
“Review your spending, categorise your purchases and look for unnecessary purchases or automatic deductions.
“Redirect money you’d normally spend out on things like dinners out, gym membership or new shoes towards a savings goal. Use your time at home as an opportunity to future-proof your finances,” she concluded.
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["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(77) "/save-money/how-to-budget/how-to-safeguard-your-finances-through-the-pandemic" ["image"]=> string(39) "images/article-826x550/budgeting-ne.jpg" ["image_alt"]=> string(9) "budgeting" } [1]=> object(stdClass)#4714 (56) { ["id"]=> string(5) "15021" ["title"]=> string(37) "Why cash flow is king during COVID-19" ["alias"]=> string(36) "why-cashflow-is-king-during-covid-19" ["introtext"]=> string(272) "Cash flow has never been so important, according to a chartered accountant.
Write comment (0 Comments) " ["fulltext"]=> string(2297) "Palfreyman Chartered Accountants’ principal, Simone Palfreyman, has highlighted that with restrictions of COVID-19 likely to continue for many months, individuals and businesses alike should be focusing on the creation of cash flow forecasts.
Ms Palfreyman has previously highlighted that the most common question she is hearing from her clients during COVID-19 is, “Can you help?”
For individuals: “They need to consider how long they can survive on pay reductions and what alternatives they have to supplement that wage reduction,” the accountant indicated.
This could include the JobSeeker or JobKeeper payments, early access to super, rent reductions or using mortgage hardship entitlements, she outlined.
Ms Palfreyman extended this notion to businesses: “I believe that all businesses should be preparing cash flow forecasts to consider the alternatives of revenue reductions, government cash flow incentives and available resources.”
They should be considering any possible rent concessions, trade payment extensions and options for alternative suppliers.
Regardless of the cash flow forecast’s purpose, Ms Palfreyman highlighted that it’s an area in which accountants are willing and able to lend a hand.
“Many people are not aware that accountants can assist in preparing cash flow forecasts, providing advice on employment obligations and assist as a go-between in negotiations between employers, employees, suppliers and government bodies.”
Not only can they provide advice on available government incentives and assist clients in applying for those concessions, but accountants can also negotiate payment plans with the ATO on their clients’ behalf and request remission of penalties and interest.
“Clients need more assistance than ever in navigating the new COVID-19 environment, [especially where] the legislation and government stimulus opportunities are changing on a daily basis,” she said.
Cash flow has never been so important, according to a chartered accountant.
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coming year that could have both positive and negative ramifications for the financial position of Australians.
Write comment (0 Comments) " ["fulltext"]=> string(3368) "The changes, as highlighted by Finder, come after nestegg’s recent article outlining a number of Australian policy and legislative changes that have come into effect since 1 January.
The comparison site has urged people to take note of the changes and also take account of the personal finance predictions listed below:
1. A rock-bottom cash rate
Finder is expecting the next Reserve Bank rate call – due in February – to be a cut.
Two-thirds of its expert panel is predicting the move, which would see the official cash rate plummet to just 0.50 per cent.
Weighing in on the prediction,Kate Browne, Finder’s personal finance expert, said the impact of record-low interest rates will “mean that home owners will be able to save a significant amount of money over the life of their loan”.
Noting that more than a million mortgage customers are considering switching home loan providers this year alone, she added that “it will be interesting to see which lenders pass on the rate cuts”.
2. The arrival of open banking
Finder has highlighted that open banking is “set to shake up the fintech sector this year”.
With the start date having been pushed back from February, the big four banks will now need to provide access to customer and account data for credit and debit cards, deposit accounts and transaction accounts from July 2020.
This means Aussies will be able to share their personal transaction information to score themselves a better deal, according to Finder.
3. The explosion of neobanks
The comparison site has predicted millions of new neobank customers in the coming year, coming off the successful launch of challenger banks including Xinja and 86 400.
Ms Browne noted neobanks as already giving Australians “a taste” of what open banking can do when it comes to their money.
“Neobanks are offering innovative apps and products, as well as features like unique spending insights and bill reminders,” she explained.
“In saying that, not all Aussies are ready to take the plunge just yet. Many people still feel more comfortable with a traditional bank or lender.”
4. Health insurance price hike
With recent debate regarding the cost-effectiveness of private health insurance in Australia seeing many customers unsure about the value of their product, it’s worth noting premiums are set to increase on 1 April by 2.92 per cent on average.
This amount will vary across funds.
Ms Browne said Australians should always be comparing across providers to ensure they get the best deal on their health insurance.
She is urging people to “compare your premium every year and switch to a fund that won’t cost more”.
“If you switch a policy with the same level of cover as your current one, you won’t need to reserve waiting periods,” she concluded.
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financial feet. Whether it’s an all-encompassing dream of living by the beach, a resolution to save 5 percent of your salary, or the ability to fund a winter escape to Fiji – Emily Hollingum from Super Rewards has tips to set you up for success and find your true north on your financial journey.
Write comment (0 Comments) " ["fulltext"]=> string(3719) "Dare to dream:
Write down your goals for the next three months, six months, 12 months, three years and five years. It’s important to think about where you want to be in five years, for example, starting a family or buying your first property, so you know what you need to do now to get there. Don’t be afraid to think big!
Calculate your household’s yearly income and think about how you feel after all the monthly outgoings – barely scraping by, living pay cheque to pay cheque, comfortable but if I tried to I could save a lot more, earning well above my means and therefore can significantly save etc.
List all the big-ticket items you want to purchase within the next five years, including a new house, car or overseas holiday and write down the estimated cost for each.
Imagine your dream retirement. It is never too early to start thinking about retirement. Where will you be living? Do you want to travel? What kind of lifestyle do you want?
Plan to dream:
Research high-earning savings accounts and open the most suitable one for you. Set up a direct deposit of your budgeted savings amount into this account as soon as you get paid.
Look into the yearly sales cycles for cars, flights and even the medium to small-ticket items. These dates generally stay the same year to year. See if you can plan your savings so that you have enough before these sales hit.
Review all the reward memberships available and choose those that fit in with your lifestyle. For instance, Super Rewards offers cashback directly into your super account, just by shopping online via the portal. Earning $3 each week from your Woolworths shop today will turn into over $13,000 by the time you retire.
Create a monthly budget where you list all your outgoings. List savings as a non-negotiable outgoing at an amount that’s achievable. That way you’re still left with an allowance to buy a dress or a birthday present for a friend.
Get serious about the non-negotiables. Can you push those fortnightly appointments out to monthly? Do you have to participate in the Friday office lunch, or can you change your attendance from weekly to monthly? Do you need Stan, Netflix, Disney+ and Amazon all at the same time? Why not have one running at a time and pause the other three until the next season of your favourite show airs again?
Focus on your super – spending a few hours today looking at your superannuation can be worth thousands of dollars in the future. Consider the fees and performance of your fund compared to others in the industry, also look at your insurance and investment option to make sure they are right for you.
Live the dream:
Don’t underestimate yourself; living the dream isn’t exclusively reserved for retirees. If you’re willing to put the work in and get transparent about your spending and focus on saving for the things that bring you joy, you may just be surprised at what you can achieve.
Live for yourself today and tomorrow. Make sure to follow through with your goals, but don’t be afraid to shift them. If you’ve saved up for an overseas holiday, but realise you’ve almost got enough for a deposit for your first modest home, you may decide to postpone that trip. Having savings gives you the financial freedom to choose what matters most to you.
Emily Hollingum, Qualified Financial Planner, Chartered Financial Analyst and COO of Super Rewards
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their financial and savings requirements to better position themselves in the new year.
Write comment (0 Comments) " ["fulltext"]=> string(5169) "According to HLB Mann Judd’s wealth management partner, Jonathan Philpot, the holidays are the perfect time to make small tweaks that have a lasting impact on Australians’ bottom line in the long run.
“People really struggle to take a longer-term view on their personal finances, particularly as we now live in a world of instant gratification, but taking the time to consider financial goals and putting in place the necessary steps can go a long way and give assurance that a payoff will eventuate,” Mr Philpot explained.
While investors might see the official cash rate falling to 0.75 per cent as a move against saving, Mr Philpot believes it should actually motivate savers.
“Unfortunately, the current low interest rate environment is making it tough for savers, but with careful planning, you can make your money work smarter, not harder.
“It’s worthwhile investigating whether cash is better saved elsewhere, or even contemplate different forms of investments or asset classes altogether. It’s a particularly good time to rebalance investment portfolios to consolidate any gains and also maintain diversification,” he said.
Mr Philpot recommended a comprehensive review of the following areas before welcoming in the New Year:
Reassess superannuation
People should assess the performance of their default or nominated fund, and whether they should switch super funds, while also ensuring there aren’t multiple funds (and multiple sets of fees being deducted).
They should look at how much they are contributing to super and check that it is within the concessional contribution limit, and whether they could be contributing more. Salary sacrificing and co-contribution arrangements should also be reviewed and/or considered.
People also need to check whether the person nominated as the beneficiary of their superannuation account is still the appropriate person. With a high rate of divorce recorded over the Christmas holiday period, super fund members need to be mindful that divorce does not automatically cancel a nomination.
Insurance
Most people in superannuation funds will automatically have a life insurance policy through their fund; however, all types of insurance should be routinely reviewed and considered.
Household income is one of the main assets a family has, and certainly one of the most important, so a family should consider what would happen if the primary earner falls ill or has a serious accident. Income protection insurance and trauma and personal disability insurance should also be considered, particularly for anyone with young children.
Review home loan repayments and provider
Mortgage debt on a home is non-deductible for tax purposes and should be prioritised in order to focus on building investment wealth and retirement savings.
With interest so low, it’s recommended people put any bonuses or salary increases into the mortgage. The rate environment is also driving a more competitive home loan market, with now an appropriate time to shop around lenders for the best rate and features (such as redraw facilities).
Wills and estate planning
Existing wills and estate plans should be reviewed to account for any changed circumstances in family circumstances, such as births, deaths, marriage or divorce.
An estate plan, unlike a will, considers all financial and personal matters in the event of death. This is essential for anyone with young children who may need to have a guardian appointed and an income provided to them.
Consider appointing a power of attorney and enduring guardianship to look after any legal, financial or medical needs in the event of incapacity.
Formalising a budget
A budget shows exactly how money is spent and where savings are possible. Maintaining a monthly budget is ideal, making sure to include quarterly or annual expenditure items, such as insurance costs, council rates or school fees.
“Financial advice can be simple and straightforward, depending on the circumstances of the individual. Obtaining qualified advice around tax minimisation strategies, retirement planning and superannuation, estate planning and insurance will mean people are already one step ahead for the New Year,” he concluded.
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["alias"]=> string(23) "save-money-for-vacation" ["introtext"]=> string(612) "Unless your monthly salary is very large that it’s easy to produce your travel fund, it may take time to plan and save for your dream holiday. But there’s no need to panic even if your holiday is approaching because there are some things you can do to save money for a holiday fast.
Write comment (0 Comments) " ["fulltext"]=> string(3551) "Consider these easy ways to save to help you reach your required budget faster.
Look at the big picture
The first thing you need to do when saving for a holiday is to get a clear picture of your finances – your monthly income, expenses and balance.
Each person has a different idea of a dream holiday: some want a luxurious cruise, others prefer a backpacking adventure – none of them cost exactly the same. Figure out how much money you’ll need by determining what exactly you want your holiday to be like.
Once you know these, write your projected budget to determine how much you’ll need.
Creating a budget plan will help you understand how likely you are to reach a goal and what savings strategy you can execute.
Hustle and earn more
Your income has a big influence on turning your dream holiday into reality, so you need to make sure that you receive compensation regularly and, if possible, generate extra cash.
Look at your current job situation. If you’re already due for a salary increase, you may consider preparing your case and initiating the conversation with the management.
Likewise, you may take up side hustles for extra income.
Set up a holiday account
Once the budget is in place, you can start saving for your holiday by funneling some of your extra money directly to a separate bank account that is meant specifically for your holiday or splurging.
Don’t forget to top up your holiday fund account each month, and the target amount for that fund should be clearly identified because this will serve as your savings goal.
You may consider automatically transferring a portion of your income to your holiday savings account.
Plan to travel smart
Saving money for your holiday is necessary, but saving money on travel is just as important.
Now that you’ve identified a destination and the target budget, consider trimming pricey areas in your travel plans. You can do this by identifying unnecessarily expensive elements, such as hotel accommodations, and searching for good deals.
Saving on airfare is also possible by purchasing discounted fares or choosing smaller airlines. Likewise, you may drop expensive rental cars from your plans and simply take public transport with locals.
Do your research and take note of travel tips that will help you keep expenses small, such as off-peak season or hours and when you can get free or discounted passes.
By doing a thorough research, the amount you need to save for may decrease and you will be able to reach you savings goal faster.
Likewise, check with your credit provider if they have special discounts, deals or privileges you can access by using the credit card they provided. Just make sure to pay your bill in full and on time to avoid blowing up your debt with interest rates and surcharges.
Countless people around the world have travelled on a shoestring budget, and you can definitely do the same with the right attitude and discipline.
Explore nestegg for more ideas on how to save money as a teenager for specific purposes.
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"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)#4860 (3) { ["data":protected]=> object(stdClass)#4863 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4862 (3) { ["data":protected]=> object(stdClass)#4865 (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)#5092 (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)#4864 (3) { ["data":protected]=> object(stdClass)#4870 (1) { ["options"]=> object(stdClass)#4868 (2) { ["options0"]=> object(stdClass)#4867 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4869 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4866 (3) { ["data":protected]=> object(stdClass)#4872 (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)#5095 (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)#4871 (3) { ["data":protected]=> object(stdClass)#4874 (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)#4873 (3) { ["data":protected]=> object(stdClass)#4876 (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)#5105 (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)#4875 (3) { ["data":protected]=> object(stdClass)#4878 (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)#4877 (3) { ["data":protected]=> object(stdClass)#4880 (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(49) "/save-money/how-to-budget/save-money-for-vacation" ["image"]=> string(31) "images/holiday-2880261_1920.jpg" ["image_alt"]=> string(0) "" } }
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