Credit Simple
As the long weekend kicks off, it can be all too easy to fill your time with fun and frivolous spending. But before you know it, Monday night rolls around and your bank balance is looking more than a little depleted. Luckily, it doesn’t take much to reset your default setting from ‘spend’ to ‘save’ for a few days, and the savings can be pretty significant. Read on for our tips to boost your savings in just a few days.…
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If the school holidays have you fearing those dreaded words, ‘I’m bored!’ but you know you don’t have cash to spare, never fear – a quick Credit Simple brainstorm is all you need. Check out our top 5 tips to help you survive – and thrive – during these school holidays, with your budget and savings well and truly intact. 1. Get out and about – for free Whether you’re planning a vacation or a staycation, the school holidays are…
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As the winter months come to an end in Australia, you’re probably antsy to get out in the warmer weather. But getting out more could also mean increased spending. If you’re trying to figure out how to save this spring and summer, easy ways to get a boost include sticking to a budget, using credit card rewards, having social functions at home and saving on energy costs. 1. Stick to a budget Sticking to a budget is easier said than…
read moreAre your palms sweaty? Is your heart racing? Maybe there’s a deep sense of foreboding in the pit of your stomach? You may be on the verge of a parachute jump or other life-endangering feat, but you could also be about to do something equally terrifying: ask for a pay rise. Year-on-year wage growth was just 2.1 per cent in Australia over the March quarter 2018, which barely covers the 1.9 per cent inflation increase in the consumer price index…
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Money management can be a terrifying thing. Especially if you’ve got debt – seeing large sums go in and out of your bank account is enough to give anyone the willies, even if it’s ‘good’ debt (such as a home loan). But there are strategies you can use to cope, and to not only manage your money but actually overcome those ghosts of spending past. Here’s five we’ve rounded up. Know where your money is going. Knowledge is power, and…
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Are you off your trolley? You could be if your supermarket bill is creeping over $50 per person for a family. There are so many sneaky tricks to save money on food. You might even find that you’re healthier and happier when you buy more basic food. Don’t say it can’t be done. If your bill is out of control, try some of these tips. Budget. Start with a figure that you want to spend on food each week and…
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There’s no doubt about it, Australia is a nation that loves to spend. According to ASIC’s MoneySmart, we spent over $20 billion indulging our love of fashion, $1.6 billion on our caffeine addiction and a surprising $450 million on pet pampering in 2016 alone. But with household budgets needing to stretch more and more just to cover the basics, there are simple strategies every Australian can adopt to become smarter spenders. So whether you’re a self-confessed splurger or bargain hunter,…
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Saving money and cutting corners is a thoroughly enjoyable way to pass the time, not only for the cash you get to keep but for the smug feeling of satisfaction at having outfoxed the system. Unfortunately sometimes corner cutting backfires. Our Scrooge-like urge to save a buck by doing something ourselves, instead of paying an expert to do it properly, actually costs us more – not necessarily just in money, but in time and effort. This makes me feel most…
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Zero waste saves money. Since I vowed to reduce my waste last year I’ve saved a bucket load of money. But let’s get this clear. ‘Zero waste’ is a philosophy/lifestyle goal of reducing the amount of rubbish you personally send to landfill. No-one will be 100 per cent perfect unless they’re a Buddhist monk or a hermit. The bonus is if you cut down on what you buy for environmental reasons you spend less overall. Yay! On a personal level…
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Protein – at least the meaty versions – is expensive. And research indicates that we’re obsessed with protein, to our detriment. Most Aussies spend far too much on that protein, by not eating and shopping consciously. It’s simple to cut the cost of a plate of food radically. First off, not all protein is created equal in terms of cost. A nice porterhouse steak for four can cost $28 for the protein alone. Even own brand sausages can cost more…
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