How to budget

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With more than 3 million Australians likely to be on either JobSeeker or JobKeeper payments during the COVID-19 pandemic, many are wondering how they can survive off government assistance.

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Financial adviser Helen Baker has set out a budget for healthy singles to show how they could theoretically survive short term on either payment.

“An income of $670 will be extremely difficult to get by on and is not sustainable over the long term, which is why the first step for JobSeeker and JobKeeper recipients will be to make arrangements with their banks, landlords, insurers and utility providers to defer or reduce payments.” 

However, Ms Baker warns many individuals will have to make lifestyle changes, with many non-essential items being cut out during the COVID-19 pandemic.

“Those who use this guide will also need to almost eliminate non-essential spending. The budget caters for a healthy, single person without large ongoing expenses or in need of ongoing medical support. We want to show Aussies how they can live off these funds and best manage their finances until they can get back to earning their normal income,” Ms Baker said.

Ms Baker reveals this example of how Aussies can survive on $550 or $750 per week before tax:

1. Rent/mortgage

Reduce payment to $200–$350 a week. If you are on $670 per week, to make ends meet, ensure your rent doesn’t exceed $300 per week. Those on $500 per week should negotiate a rent reduction to $200. 

“Speak to your landlord about decreasing your rent and build a case for yourself. If you’ve been a good tenant, this puts you in a better position. If you’re a tradesperson, see if you can offer up your services around the property, in exchange for lower rent, Ms Baker said. 

2. Electricity

$150–$200 per quarter. If you’re on JobSeeker, aim to get your energy bill down to $150 per quarter (you’ll allocate $12 per week). If you’re on JobKeeper, negotiate it down to $200 per quarter ($15 per week). Many energy providers offer pay-on-time discounts, so pay attention to when you need to pay your bill before to take advantage of this. 

Ms Baker recommends Aussies do their research to see what energy assistance schemes are available in their state. She said: “For example, residents in NSW could be eligible for a one-time payment through the Energy Accounts Payments Assistance (EAPA) scheme, where they could receive at least one $50 EAPA electronic voucher.”

3. Internet and mobile phone

Up to $25 per week. Individuals who pay internet and mobile in a “bundle” should look to pay no more than $25 a week ($105 per month) combined — or $13 and $12 a week ($55 and $50 monthly) for each, if they are billed separately.

“If you’re paying your internet plan and mobile phone bill separately, find out whether you can combine these into a package. You may be able to get a discount for being loyal to your provider and having multiple products with them,” Ms Baker continued.

4. Supermarket items and fresh produce

$140-150 limit per week. This budget allocation should be adhered to by those earning either $500 or $670 per week, and covers items such as fruits, vegetables, milk, bread, toilet paper, vitamins and cleaning products.  

5. Cosmetics and toiletries

$7 weekly limit. Individuals living on either budget should allocate a maximum of $7 a week. While this might not be enough to cover the purchase of an item, consider saving the weekly amount until the end of the month, so you’ll have a total of $28 to spend. 

6. Hairdresser

$0–$75 a quarter. Unfortunately, for those on $550 a week, there won’t be enough budget to get roots touched up or a cut at a salon for the next six months. However, an at-home colouring kit could be incorporated into the cosmetics and toiletries budget.

7. Car

$50–$65 per week on petrol, parking and tolls. Motorists on each budget can spend a maximum of $25–$30 in petrol and around $20–$30 in road tolls and parking per week. If you no longer need to drive and can have your car sitting at home, the $200 a month you save could be put towards other expenses. 

8. Public transport

Budget $40 a week. Aussies living off $500 a week are advised to stick to the lower end of this budget, while those earning $750 a week can spend the extra $10. While this budget may not be possible if people were working their regular full-time hours and commuting to work, a reduction in hours may mean people aren’t travelling as much for work. If people are working from home and don’t need to commute, that’s $40–$50 a week that can be put in your back pocket.

9. Streaming subscriptions or pay TV

$24 maximum a month. It’s not necessary to have a subscription to every streaming platform, so unless you can fit multiple subscriptions within your $6 weekly budget ($24 per month), Ms Baker recommends people cancel the other platforms and only use one at a time.

“Once you’ve watched everything you want to on one subscription, cancel it then sign up to the next one. Most platforms also offer a free trial, or you may be able to find a promo code online, so find ways to cut back on these expenses to leave additional funds for other areas.”

10. Alcohol

$20-30 weekly budget. Ms Baker knows that it’s unrealistic for many to forego the occasional glass of wine, particularly during this time, so she has allocated a $20-30 budget per week for individuals on both earnings to spend on alcohol.

11. Eating out

$10–$20 towards takeout or coffees. While eating out usually includes spending at restaurants, buying takeaway, lunches and tea or coffee, it might be easier to stick to over the next couple of months while government-mandated shutdowns see cafés and restaurants remain closed for dining in. 

“Everyone wants a little luxury, so if you’re living off a $550 weekly payment, you can spend your $10 budget on two to three coffees a week or a takeaway lunch. Those on $750 a week have an additional $10 allocated, which could be used on one restaurant-bought dinner each month,” Ms Baker said.

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With more than 3 million Australians likely to be on either JobSeeker or JobKeeper payments during the COVID-19 pandemic, many are wondering how they can survive off government assistance.

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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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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.

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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. 

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Cash flow has never been so important, according to a chartered accountant.

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From neobanks to rate changes and insurance hikes – a number of changes are set to take place in the coming year that could have both positive and negative ramifications for the financial position of Australians.

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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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From neobanks to rate changes and insurance hikes – a number of changes are set to take place in the coming year that could have both positive and negative ramifications for the financial position of Australians.

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The beginning of each year is the perfect time to recalibrate and find your 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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The beginning of each year is the perfect time to recalibrate and find your 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.

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Aussies are being urged to use their holiday period to reconsider their financial and savings requirements to better position themselves in the new year.

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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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["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5727 (3) { ["data":protected]=> object(stdClass)#5730 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5729 (3) { ["data":protected]=> object(stdClass)#5732 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#5983 (32) { ["id"]=> string(1) "8" ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5731 (3) { ["data":protected]=> object(stdClass)#5734 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5733 (3) { ["data":protected]=> object(stdClass)#5736 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5982 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5735 (3) { ["data":protected]=> object(stdClass)#5738 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5737 (3) { ["data":protected]=> object(stdClass)#5740 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5979 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5739 (3) { ["data":protected]=> object(stdClass)#5742 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5741 (3) { ["data":protected]=> object(stdClass)#5744 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" 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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)#5743 (3) { ["data":protected]=> object(stdClass)#5746 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5745 (3) { ["data":protected]=> object(stdClass)#5748 (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)#5975 (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)#5747 (3) { ["data":protected]=> object(stdClass)#5753 (1) { ["options"]=> object(stdClass)#5751 (2) { ["options0"]=> object(stdClass)#5750 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5752 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5749 (3) { ["data":protected]=> object(stdClass)#5755 (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)#5978 (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)#5754 (3) { ["data":protected]=> object(stdClass)#5757 (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)#5756 (3) { ["data":protected]=> object(stdClass)#5759 (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)#5988 (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)#5758 (3) { ["data":protected]=> object(stdClass)#5761 (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)#5760 (3) { ["data":protected]=> object(stdClass)#5763 (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(67) "/save-money/how-to-budget/deck-the-halls-with-budgeting-and-savings" ["image"]=> string(54) "images/article-826x550/Christmas-hallway-people-ne.jpg" ["image_alt"]=> string(31) "Christmas budgeting and savings" } }