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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.

---

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 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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Saving money is more than just a practical financial strategy; it’s a mindset that requires discipline and a reorientation of one’s approach to spending and savings.

" ["fulltext"]=> string(5886) "

This article explores how to train your brain to become more effective at saving by understanding the psychology behind it and implementing practical strategies to cut expenses.

Understanding the psychology of saving

The work of Richard Thaler, a Nobel Prize-winning behavioural economist, underscores the importance of understanding the psychological aspects of saving and spending.

His research in nudge economics highlights how simple behavioural changes can lead to better financial habits. Thaler’s work shows that our natural inclinations, such as succumbing to short-term temptations, can undermine our long-term saving goals.

Thaler’s concept of mental accounting reveals how people tend to compartmentalise financial decisions, often focusing on the immediate effects rather than the overall impact.

For instance, if the price of an item drops, the savings are often spent on upgrading to a more expensive version of the same item, rather than being saved. This highlights the need for a holistic view of our finances.

Practical strategies to train your brain for saving

1. Shop with discounted gift cards

Utilise online platforms that offer discounted gift cards for various retailers. This can lead to direct savings on purchases.

2. Avoid credit card debt

Be cautious with credit card usage, especially if you cannot pay the full amount when due. Credit card debt can quickly accumulate due to high interest rates and can significantly impact your ability to save.

3. Research loan terms

Before accepting any loan or financing offers, it’s important to research and find the most favourable terms. This ensures that your debts don’t overpower your savings efforts.

4. Create a debt repayment plan

If you have accumulated debt, devise a repayment plan. This may involve using budgeting tools or seeking professional help to create a manageable payoff strategy.

5. Make lifestyle adjustments

Small changes in daily habits, like energy-efficient home improvements or doing your laundry instead of using dry cleaners, can lead to significant savings over time.

6. Reconsider transportation costs

Evaluate your transportation needs. Opt for alternatives like biking to work, which can save on petrol, maintenance, and insurance costs.

7. Plan your meals

Reduce dining out by planning meals and preparing lunch for work. This not only saves money but also encourages healthier eating habits.

8. Review entertainment expenses

Evaluate your subscriptions and memberships. Keep only those that you frequently use and consider downgrading or eliminating others.

9. Understand income impact

Be aware of how income increases can lead to proportional increases in spending. As your income grows, focus on saving rather than increasing your expenditure.

—

The psychology of saving is complex, intertwining our behavioural tendencies with financial decision making. By understanding the psychological barriers and implementing practical saving strategies, you can train your brain to be more savings-oriented.

This shift in mindset, coupled with actionable steps, can substantially improve your financial health and savings over time.

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• Yes

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Saving money is more than just a practical financial strategy; it’s a mindset that requires discipline and a reorientation of one’s approach to spending and savings.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#11398 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#11076 (3) { ["data":protected]=> object(stdClass)#10830 (1) { ["options"]=> object(stdClass)#10817 (2) { ["options0"]=> object(stdClass)#10810 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#10831 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11075 (3) { ["data":protected]=> object(stdClass)#10812 (6) { ["hint"]=> 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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

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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.

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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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Sorting out your finances can be easier said than done, especially in the aftermath of the short Easter break when distractions are unrelenting and stress levels are worked up at fever pitch.

" ["fulltext"]=> string(4112) "

But according to an expert from one of Australia’s leading accounting associations, Chartered Accountants (CA), people who have hoarded a sizable chunk of coin during the height of the COVID-19 lockdowns are well insulated from further potential unforeseen economic catastrophes.

It may come as a shock to those who are well aware that those pent-up savings might have meant bad news for many frontline industry sectors like retail, hospitality and tourism, whose dependence on people casually burning their disposable income on their products and services is critical to their survival.

But CA ANZ financial advice leader Bronny Speed feels there’s a silver lining for committed savers, and there’s no time like the present to create a robust plan that cushions people’s delicate nest eggs in potential times of financial strife.

The Commonwealth Bank has estimated that Australians collectively netted a handsome total of $250 billion in personal savings – and about six million Australians got a further one-off $250 tax-free payment in the budget as well.

But Ms Speed warned that with cost of living starting to bite, expected interest rate hikes and other financial clouds on the horizon, “Easter is a perfect time to take stock”.

“While the past two years have been incredibly challenging from a health and welfare perspective, others were fortunate enough to build a savings war chest or pay down their mortgage,” Ms Speed said.

To combat the big problems that Australians have with mortgages, rent, depreciating assets and the risk of having to budget for bills that may ultimately result in cuts to other household essentials, Ms Speed has offered a handy checklist of six tips that can potentially help savers navigate the hazardous terrain that may yet lie ahead.

The first includes a firm warning not to waste your savings on depreciating assets, like a car.

“Easter often throws up temptations – usually of the chocolate variety – and it can be the same when you have a nice pot of money sitting there, to purchase something flashy,” Ms Speed said.

“But cars are often money pits, especially the luxury ones, so think carefully before using your nest egg to buy a new set of wheels. Think about how you can get your nest egg to work for you, rather than burn a hole in your pocket.”

Her next salient advice is to use some of that extra cash lying around to pay off some debt.

“Australia still has high household debt on an international scale so a good place to use some of your nest egg would be to pay down mortgages, investor debt, personal debt, student debt and credit card debt,” Ms Speed said.

She also feels it’s worth thinking about using any surplus funds to bring debt under control, and initially focus on small debts and ones with higher interest rates, especially as they tend to sting the most.

Another important piece of advice from Ms Speed is to top-up super, especially as many people decided to make significant withdrawals from their super accounts when the federal government opened the floodgates in the early time of the pandemic in 2020.

Another tip from Ms Speed is to practice good saving habits, which she feels got a good headstart during the pandemic because lockdowns “provided a once-in-a-generation savings lifeline”.

She cites the small things to be a good saver, like borrowing power tools from friends, neighbours or local neighbourhood ‘tool libraries’ instead of buying them from the hardware shop.

Although it might be tempting to head out for an overseas trip to unwind, Ms Speed warned to hold off on “luxurious” holidays for now, especially given how inflated travel prices are right now.

And finally, she recommends seeking advice from an accountant to better protect the liquid and illiquid assets, which require a dose of effective know-how in balancing the books and ensures people are well prepared for potential future challenges to their personal finances.

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• Yes

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Sorting out your finances can be easier said than done, especially in the aftermath of the short Easter break when distractions are unrelenting and stress levels are worked up at fever pitch.

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Bringing your spending under control can sometimes feel daunting. Here are some ways to start.

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More than a few titans of the finance world have suggested that earning money isn’t the hard part. Keeping it is.

Speaking to nestegg, 86 400 CFO Belinda Hogan shared a few tips for those looking to spring-clean their personal finances.

To start with, she recommended those looking to declutter and organise their expenses do a regular assessment of just where their money is going.

“You may have a firm understanding on when your regular bills are due, but since the pandemic, your expenses may have changed,” she said.

For example, Ms Hogan noted that working from home has meant less monthly spending on things like public transport or petrol costs.

“Whatever the case may be, re-examine your expenses by listing them from biggest to smallest. Once you’ve mapped this out, it will be easy to identify where you need to cut back, or where you’re actually saving,” she said.

After you’ve identified just where your money is going, Ms Hogan said that the natural next step is to dive a little deeper into them.

“This might sound basic, but when was the last time you sat down and made a budget or perhaps reviewed your current one? Now is the perfect time to reassess where you’re spending and what you can save on,” she said.

According to Ms Hogan, the bigger items at the top of your expense list are usually the hardest ones to eliminate. That being said, you can usually squeeze a little of savings out of each if you’re smart. Over time and added together, those small savings can add up.

“To bag those extra hip-pocket savings, reach out to your provider and ask them if you’re getting the best deal available to you,” she said.

For those who manage a “maze” of bank accounts, keeping track of your spending and saving can be especially hard. Trying to untangle your finances manually can be downright nightmarish at times, Ms Hogan admitted.

“The reality is many Aussies find this method overwhelming and off-putting,” she said.

As a shortcut to avoiding this, Ms Hogan recommended using a smart search app or tool.

Following the launch of open banking in Australia, numerous banks and budgeting apps now offer this functionality, which can make keeping track of your spending across multiple accounts a little easier.

While some expenses have gone down in lockdown, Ms Hogan noted that others have gone up. If you’re looking to rein in on your spending post-lockdown, she said that streaming services like Netflix are a good place to start.

On that note, she added that unsubscribing from marketing emails can be another less-obvious way to reduce your spending.

“It’s easier to not be tempted to buy another pair of yoga tights you don’t need if you don’t see that your favourite brand is 30 per cent off to begin with,” she said.

Ms Hogan’s final tip is one that many consumers fail to consider: super.

While superannuation is something many Australians prefer to set and forget, Ms Hogan said that it can pay to pay closer attention to it.

“Most Aussies don’t have regular visibility of their super and are blind to how much they have sitting in their accounts, the fees and insurance they’re paying, and how it’s performing,” she explained.

Pointing to the Australian Taxation Office’s recently released Your Future comparison tool, she recommended consumers make time for a deep dive to see where they can save money with their super fund.

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Bringing your spending under control can sometimes feel daunting. Here are some ways to start.

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"" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#11430 (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)#11051 (3) { ["data":protected]=> object(stdClass)#11049 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#11050 (3) { ["data":protected]=> object(stdClass)#11086 (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" 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["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)#11335 (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)#11091 (3) { ["data":protected]=> object(stdClass)#11099 (4) { ["buttons"]=> string(0) "" 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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)#11438 (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)#11098 (3) { ["data":protected]=> object(stdClass)#11103 (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)#11100 (3) { ["data":protected]=> object(stdClass)#11105 (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(67) "/save-money/how-to-budget/6-ways-to-clean-up-your-personal-finances" ["image"]=> string(39) "images/article-826x550/budgeting-ne.jpg" ["image_alt"]=> string(17) "personal finances" } }