Budgeting on an Irregular Income: A Guide for Sole-Trader Contractors and Freelancers
Budgeting can be hard enough for those in regular employment, who need to cover today’s bills as well as, hopefully, tomorrow’s emergency savings and investment in th
The Hidden Cost of Extending Your Mortgage Back to 30 Years
The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage
Why Your Borrowing Capacity Can Change Even if Your Income Hasn’t
It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked, right? Wrong. Your salary
Quarterly Economic Update: April – June 2026
Peace in the Middle East — Oil Falls and Markets Rally After more than three months of conflict, the US and Iran agreed on 14 June to end the fighting and reopen the S
Escaping the Subscription Trap
How many subscriptions does your household currently have? Most of us, when we consider subscriptions, think Netflix, Prime, perhaps an online newspaper or magazine.
When Good Money Doesn’t Mean Financial Security
Not so long ago, a six-figure salary was considered a solid income. But you didn’t suddenly become extravagant, so why are you now feeling like you need to tighten your
How Many Bank Accounts Should You Really Have?
There’s no such thing as a perfect number of bank accounts that will suit everyone. But there are good reasons for avoiding the extremes of having only one account stru
Cash Flow Budgeting: Why It’s About More Than Cutting Costs
The core purpose of budgeting is to control cash flow: cash in, cash out, and what’s left over. Kudos to you if you’ve created a budget where your annual expenditure
Loyalty Tax – Are You Paying More Than You Should?
Sandy joined her local gym a decade ago. She was proud of her long-member status and was content to pay the monthly $200 fee. Imagine her surprise, when a friend was off