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According to Professor Asha Rao, while many individuals don’t consider their data “important” enough to feel vulnerable to cyber security threats, it’s precisely that attitude that is preyed upon by cyber criminals.

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The associate dean of mathematical sciences at RMIT University joins host Grace Ormsby on this episode of The nestegg Podcast to discuss the recent cyber attacks affecting the Australian government, the importance of remaining vigilant around cyber security, and the common scams that people should be wary of.

Professor Rao explains how automated technology makes cyber crime more profitable, why the pandemic has increased our exposure risk to such threats, and what to do if you think you’ve compromised your cyber security.

Thanks Professor Rao, for sharing your insights with the nestegg podcast team!

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Kickstart your savings in 11 simple steps

By Grace Ormsby

October 07 2019
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Save

Kickstart your savings in 11 simple steps

By Grace Ormsby
October 07 2019

Sometimes the smallest life tweaks can make the biggest difference to your savings!

Kickstart your savings in 11 simple steps

By Grace Ormsby

October 07 2019
Share

Sometimes the smallest life tweaks can make the biggest difference to your savings!

Acknowledging that small adjustments are a great way to boost savings with little effort, Etax has rounded up 11 of the easiest ways you can cut costs to help you achieve your goals.

1. Save your tax refund

It goes without saying that this money can give your savings a healthy boost each year, no matter if your savings goal is big or small!

2. Get outdoors

As the weather warms up, move your meetings and catch-ups outside! If you usually meet friends or family for lunch or shopping dates, why don’t you meet at the beach or go to a park instead?

Etax has advised switching retail therapy and expensive lunches for the therapeutic benefits of nature and a home-packed picnic.

3. Ditch the barista-made coffees

By swapping out your $4 barista-style daily caffeine fix for a self-made alternative, you could save yourself a whopping $1,040 a year.

4. Quit or cut bad habits

Bad habits like smoking or even midweek drinks are often expensive vices. The money you save by cutting down or quitting completely will add up straightaway!

5. Set savings goals…

… And stick to them.

When you commit to reaching small goals, Etax said that bigger goals become a reality far faster!

6. Educate yourself about money

It only takes a few minutes every few days.

Reading online money or investment articles each day on nestegg is a great way to build your financial know-how.

7. Make ordinary items cheaper where you can

Why not take your own snacks to the movies or carpool to work? Taking your lunch to work and choosing cheaper brands can also help you hit your savings goals sooner.

8. Don’t punish yourself

Saving shouldn’t feel like a penalty. A lot of events, galleries and museums have free entry, or there’s always the option to escape the city and head to the great outdoors.

Google “free events in my city” – you might be surprised by what’s going on!

9. Invite friends over instead of heading out

Have you ever tried a potluck? Get your friends to bring a plate of food or something for the barbecue – not only is it fun, you don’t have to pay for everything!

10. Sort out your debts

If you are saving money in a low-interest savings account but are paying 10 to 20 per cent interest on a lingering or growing credit card debt, you are actually going backwards.

You’ll get ahead when you understand that a credit card balancer doesn’t need to be part of normal life.

Keep monthly credit bills at zero so you can stop paying extra interest money to the banks.

11. Make sure you are collecting your deductible expenses!

You could be missing out on some serous cash otherwise.

Be sure to keep your expense receipts throughout the year so that you can make your refund amount as healthy as possible. Etax said that this is where a tax agent may come in handy.

nestegg has compiled an updated list of what can and can’t be claimed this tax time. ponder also on these tips on how to save money as a teenager.

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About the author

Grace Ormsby

Grace is a journalist on Momentum Media's nestegg. She enjoys being able to provide easy to digest information and practical tips for Australians with regard to their wealth, as well as having a platform on which to engage leading experts and commentators and leverage their insight.