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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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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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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.

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Learning how to keep your expenses within a set budget can help you save more money. But while  budgeting is a necessary skill to achieve financial independence, it’s typically self-taught.

Write comment (0 Comments) " ["fulltext"]=> string(3542) "

Budgeting is simple, and so is establishing one, but it requires a lot of self-control to actually execute and maintain a budget plan regardless of your income level. 

Here’s what you need to learn about establishing a budget.

Create a personalised budget

Creating a budget plan will help you understand how likely you are to reach a goal and allow you to draw up a reasonable savings strategy.

Imitating a generic budget or someone else’s budget plan can be helpful to some extent, but since we all have different circumstances, it’s best to personalise your budget. To do this, consider the following steps:

Determine your income
List down all your sources of income that you can use, such as your salary and investment returns outside super. This step is necessary even if you have an irregular income because creating a budget plan based on your income is supposed to help you manage a decent lifestyle.

If you have an irregular income, you still need to list down how much you can usually expect without including one-time or conditional windfalls, such as commissions and bonuses for reaching quotas.

From this, take out your taxes and voluntary super contributions, if any, to reach your net income.

Track your spending
Once you’ve determined your net income, list down all your expenses and categorise them according to how necessary they are to maintain a decent lifestyle.

Take note of recurring expenses, especially those that are non-negotiable, such as utility bills, groceries and other living expenses. Consider opening a separate bank account that is set up to automatically pay for these fixed expenses.

Evaluate your other expenses and decide whether you can limit some of the recurring but non-essential expenses. You may also review your bank statements to check your transactions from month to month, as well as any unexpected expenses you may have encountered.

You may start tracking your monthly expenses in a notebook, spreadsheet or budget calculator application. Likewise, there are free mobile applications that does the job both for iOS and Android devices.

Tighten your budget
Go over the list a couple of times to pin down every possible expense, and once everything is written down, pinpoint unnecessary expenses, flag them for removal and tighten your budget for the recurring ones. The latter may be done by monitoring and reducing consumption to lower the bills. Switching to a lower-cost provider is also a good alternative.

Once you’ve adjusted your spending for your living expenses, you may top up your payment for any debt you may have, such as your student loan, if you have one.

Likewise, you may stash the extra money in your savings account.

Save money

Be strict about keeping expenses below your income: live within your means in order to free up enough money to save. 

A good strategy is to limit spending to a weekly or daily allowance that already takes transportation and other necessary costs into consideration.

Likewise, paying off your debts, such as your student loan, earlier can help you increase your budget for other needs faster.

Your budget can only be effective and consistent when your debts are paid because you’ll no longer have to worry about ballooning interest payments.

Explore nestegg for more budgeting and saving ideas.

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Learning how to keep your expenses within a set budget can help you save more money. But while  budgeting is a necessary skill to achieve financial independence, it’s typically self-taught.

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The lead-up to Christmas and the holiday period can have a significant impact on financial and holistic wellness, but there are ways we can look after ourselves, a financial adviser has suggested.

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In a blog post for nestegg’s sister platform Wellness Daily, Financial Advice Matters’ Darren Smith conceded that two in five Australian workers are financially stressed.

While there are many drivers of this, Mr Smith said that at Christmastime in particular, “retailers have fine-tuned the nudging of us to purchase now, and the positioning started many months ago”.

The festive season “is a period where there is significant pressure on the family budget”.

He added that when funded by credit, “we won’t feel the real anguish of this spending for several months”.

While the funding squeeze can come from self-imposed pressure to provide loved ones with impressive gifts, Mr Smith said it can also be a period where we overcompensate for the lack of time we have spent with some loved ones in the previous 12 months.

He noted that “an additional pressure comes from the little voice in our head”.

“We tell ourselves that we’ve had a really big year and worked extra hard, so we should reward ourselves with a special gift such as a widescreen TV or a holiday overseas. After all, we have earnt it, right?”

For the financial adviser, it’s a clear example of the constant tension we all face between the immediate gratification of wanting something now and waiting until we have the money on hand and paying later.

When it comes to financial management, Mr Smith said additional pressure comes from not doing the basics throughout the year and not having the discipline to make the hard decision and defer, so instead “we bend to the emotional sway of spending now”.

But the good news – it’s not too late to manage through this challenging period in terms of spending.

It’s why he’s offered up 10 “simple” steps to provide people with significant financial wellness improvement.

In saying that, Mr Smith conceded that “it does require focus and the ability for individuals and families to understand what is most important to them”.

10 tips to improve your financial wellness during the festive period

1. Focus on time with family and friends, not the materialistic gift itself.

Our time is the most valuable gift we can give to others.

2. Look at group membership discounts you may be entitled to.

Quite often, you can get up to 10 per cent off common gift cards that are purchased for gifts. This includes groups such as National Seniors and RACQ.

3. When spending time with family and friends, focus on activities or venues where you can have fun but limit the cost.

For example, take advantage of the parks and beaches that we are blessed with in Australia.

4. Have a set budget to limit spending during this period.

You can then manage this by tracking your spending.

5. For the creative spirits, personalise a handmade gift.

It has so much meaning when people know you have dedicated time and effort for them.

6. Take advantage of deals in the lead-up to Christmas, but ensure you are still sticking to the budget.

This is particularly relevant for things that can be stored for a period of time outside of the peak period.

7. Pool resources between families and friends by sharing the cost that comes with family events.

Work together and agree what each person’s contribution will be.

8. For the large families, pool resources where there are many family members in terms of gifts.

For example, one gift per child rather than each family purchasing individual gifts for everyone. Secret Santa between families is a great way of doing this.

9. Review what you don’t use or don’t need and sell it to generate some additional cash.
   
   
10. Review and keep close tabs on your other spending as there may be some opportunities to save.

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The lead-up to Christmas and the holiday period can have a significant impact on financial and holistic wellness, but there are ways we can look after ourselves, a financial adviser has suggested.

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The federal budget surplus in 2019-20 is expected to come in $1.7 billion below the government’s forecast, according to new analysis performed by Deloitte.

Write comment (0 Comments) " ["fulltext"]=> string(4619) "

According to a new analysis by Deloitte Access Economics partner Chris Richardson, the federal government will be on target to achieve its first budgetary surplus since before the global financial crisis.

Deloitte’s latest Budget Monitor has been released in anticipation of the government’s Mid-Year Economic and Financial Outlook (MYEFO), which will report on official budgetary figures and is due to be released prior to the end of the year.

Deloitte’s analysis suggests that the surplus for 2019-20 is now expected to come in at $5.3 billion, an estimate that is $1.7 billion lower than the figure announced by Treasurer Josh Frydenberg in April this year.

Mr Richardson stated that despite a slow national economy, the budget had been able to improve to the point of surplus for the first time since 2007-08, largely driven by strong commodity price growth, leading to increased national revenue and higher company taxes.

According to Mr Richardson, contrary to claims made by industry figures and the Treasurer, Australia has been the biggest beneficiary of international trade tensions, which has pushed up the price of Australia’s key commodities.

“Thanks to Chinese stimulus (and to tragedy in Brazil), commodity prices rose in recent years, making this the first ever global slowdown in which the world has given Australia a pay rise instead of a pay cut,” Mr Richardson said.

In fact, according to Mr Richardson’s analysis, the government’s April projections for key commodity prices, including iron ore and coal, were lower than the actual revenue figures (to October 2019) by $0.8 billion.

Increased demand on higher-priced commodities, accompanied with the falling Australian dollar and corporate tax paid on these exports, paints a positive picture for the government’s budget.

However, despite stronger-than-budgeted revenue from commodities, and the additional tax paid on these, Deloitte’s budget surplus forecast has come in at $1.7 billion below the government’s April figure.

Mr Richardson stated this reduction was thanks to reduced government revenue, largely caused by the ongoing slow national economy, record-low interest rates, and lower consumer spending.

With wage growth stubbornly stagnant, and increasing underemployment, the Deloitte data has forecast a fall in PAYG tax that sees the government $2.9 billion short of its expected figure this year, and a further $4.1 billion in 2020-21. 

The government will also see reduced tax revenue due to decreases in consumer spending and gambling, which Mr Richardson also chalked up to slow wage growth.

The recent surge in commodity prices will see profit taxes beat their budget-time forecasts by $0.3 billion according to the data, however “the best news is already behind us” according to Mr Richardson, as banks’ profit margins feel the squeeze of the low-interest rate environment and commodity prices begin to fall.

Lower interest rates will see a reduction in non-tax revenue of $0.1 billion this year, and a further $1.1 billion reduction in 2020-21, however this can be largely offset due to the fact that lower rates also make the government’s national debt cheaper to service.

While national income hit above the official budget expectations, the overall budgeted revenue for 2019-20 is expected to be down $3.3 billion on the official government forecast, with the shortfall expected to double to $7 billion in the following year, according to Deloitte.

“To be clear, that damage isn’t huge,” Mr Richardson said. “And we do expect Treasury’s figures to look healthier than ours. 

“But our bottom line sees revenues losing momentum, thereby narrowing the gap between what’s happening in the economy and what’s happening in the budget.”

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According to the Australian Bureau of Statistics Household Expenditure Survey 2015-16, Aussies spent a whopping $20.4 billion on fashion in 2016.

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Buying clothes can be fun, especially if you’re into fashion, but expenses can quickly balloon if you don’t plan your spending and make smart choices when shopping.

If you want to save money on clothes when you shop, consider the simple tips below.

1. Buy generic staples

   Save your money on designer labels for items that you’ll really flaunt where you wear them and buy generic for clothes you wear for layering.
   
   If you’re buying tops that will serve as your undershirt, you may simply choose the cheaper option instead of wearing designer labels from head to toe.
   
   Choose staple items, such as a black dress or a nice pair of jeans that you can mix and match with a variety of other clothing and accessories to make it seem unique with each wear.
   
   Avoid or minimise buying dry-clean-only clothes because the amount you pay to dry clean the item will exceed the money saved at some point in the future.
   
   

2. Hunt and compare

   If you already have a type of clothing  you plan to buy, make sure to search for similar items in other shops before finalising your purchase.
   
   Shop at department stores
   Different brands may offer similar-looking items with only slight differences in cut, design or pattern. You may try them on and take a photo to determine which one looks best on you.
   
   Online retailers
   Consider buying clothes from online shops because some tend to give discounts for their items or offer free shipping promotions.
   
   Likewise, some online retailers and boutiques give away coupons for time-limited sales, and these may really save you some extra cash.
   
   Facebook pages
   If you don’t mind wearing pre-loved items, you may consider looking through Facebook pages for clothing that are being sold at a huge discount.
   
   Be careful at outlet stores
   Outlet stores may give you deep discounts on brand name clothing, but it’s more advisable that you don’t buy from them if your main concerns are price and quality.
   
   Such stores usually carry items from previous seasons that were not sold and those of lower quality that were specifically made for outlets. In the case of the latter, the seemingly huge price slash is actually its full retail price, so you’re not really getting a discount.
   
   Since items are of lower quality in these stores, you may end up replacing them more often, which negates your perceived savings in the long run. However, this isn’t always the case.
   
   If you want to buy from an outlet, just make sure to scrutinise the quality of the product well so that you get your money’s worth.
   
   

3. Keep track of store sales

   If you really like a brand name or designer, consider keeping track of their usual sale in order to benefit from discounted prices.
   
   Sign up for store cards or mailing lists
   Ask the staff if the shop offers a store card that can get you discounts for your purchases.
   
   Likewise, consider signing up for the brand’s mailing list so that you can receive up-to-date information about upcoming sales and exclusive discounts.
   
   

4. Learn to upcycle

   If you have some spare time, consider exercising your creativity by upcycling some of your old clothing to breathe in a new life into them.
   
   Upcycling can be as simple as sewing new buttons, filling holes with patches, or cutting old jeans and turning them into shorts.
   
   Likewise, you may learn to sew patterns with patches and sequins to add a bit of character into your old clothes.
   
   

5. Shop according to your current circumstance

   It may be tempting to shop for a future event, such as next year’s corporate gala, but it’s best to focus on the present or immediate future when out shopping.
   
   When you go out, make sure to focus on what you need and can afford given your current circumstances, financial or otherwise.
   
   

6. Stick to your budget

   Another handy tip is to have a budget for clothes when you shop and make sure to stick to it.
   
   If you find an item you like but its price exceeds your budget, consider looking around in other shops and comparing other items first before actually buying the item.
   
   Budgeting is necessary to ensure that you can spend on items without going overboard, so it’s important to be vigilant about reigning in your spending.
   
   

7. Pay with cash

   Once you’ve chosen your items, pay for it using cash so you’re more conscious of how much you spend on your clothes. Paying with cash also gives you a better chance of sticking to your budget because you can see how much you’re allowed to spend for that particular shopping trip.
   
   Avoid paying with credit unless you have a store credit card that would allow you to get extra discounts, rebates or points – then make sure to pay off the balance immediately.

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According to the Australian Bureau of Statistics Household Expenditure Survey 2015-16, Aussies spent a whopping $20.4 billion on fashion in 2016.

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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)#4490 (3) { ["data":protected]=> object(stdClass)#4493 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4492 (3) { ["data":protected]=> object(stdClass)#4495 (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)#4746 (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)#4494 (3) { ["data":protected]=> object(stdClass)#4497 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4496 (3) { ["data":protected]=> object(stdClass)#4499 (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)#4745 (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)#4498 (3) { ["data":protected]=> object(stdClass)#4501 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4500 (3) { ["data":protected]=> object(stdClass)#4503 (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)#4742 (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)#4502 (3) { ["data":protected]=> object(stdClass)#4505 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4504 (3) { ["data":protected]=> object(stdClass)#4507 (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(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video 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(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#4743 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "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)#4506 (3) { ["data":protected]=> object(stdClass)#4509 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4508 (3) { ["data":protected]=> object(stdClass)#4511 (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)#4738 (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)#4510 (3) { ["data":protected]=> object(stdClass)#4516 (1) { ["options"]=> object(stdClass)#4514 (2) { ["options0"]=> object(stdClass)#4513 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4515 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4512 (3) { ["data":protected]=> object(stdClass)#4518 (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)#4741 (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)#4517 (3) { ["data":protected]=> object(stdClass)#4520 (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)#4519 (3) { ["data":protected]=> object(stdClass)#4522 (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)#4751 (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)#4521 (3) { ["data":protected]=> object(stdClass)#4524 (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)#4523 (3) { ["data":protected]=> object(stdClass)#4526 (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(51) "/save-money/how-to-budget/save-money-buying-clothes" ["image"]=> string(44) "images/article-826x550/buying-clothes-ne.jpg" ["image_alt"]=> string(54) "Tips for buying clothes without destroying your budget" } }