practical money saving tips

Lifestyle tips by Gwyneth

... in her weekly blog about practical lifestyle tips for women - everything from ... health to … Continue reading "Lifestyle tips by Gwyneth ... in her weekly blog about practical lifestyle tips for women – everything from ... it’s short, well-written and practical. I thought you might find ...

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On the fast track to savings

... "On the fast track to savings" ... in household budgeting, is learning about money management and how to save. But ... you have hot tips and handy hints for saving money? Email your ideas ...

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Live like a millionaire

... asked to recommend books about budgeting and personal finance. Regrettably, I ... ... full of excellent, practical reminders that good money management is a series ... you have hot tips and handy hints for saving money? Email your ideas ...

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5 websites we love (and will save you money)

The internet is a wealth of resources, especially when it comes to ideas for saving money. Here are five websites we love. ... online money saving community.” We love their Facebook page, jam-packed with practical money saving tips and ... from interior decorating on a budget to juggling the demands of ...

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Happy New Year! Time to set your goals for 2014.

Happy New Year! As the current year draws to a close, it's time to start focusing on your goals for 2014. What do you want to achieve with your finances next year? It ... with your MyBudget budget) will represent a money map for the years ... to have savings, specify how much you're going to save and how ...

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Step-by-step guide to goal setting for money management

... with your MyBudget budget) will represent a money map for the year ... ? Visualise where you'd like your money to take you and start ... guide ... with your MyBudget budget) will represent a money map for the year ... to have savings, specify how much you're going to save and how ...

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Slow cooker recipes from readers

... weeks ago we talked about saving money at the supermarket by buying ... ... weeks ago we talked about saving money at the supermarket by buying ... and mix with pineapple juice. Tip the liquid over the meat ...

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Gift cards that transact like credit cards

... credit cards by putting a budget and savings plan in place. I ... made the point that when you're budgeting ... ... credit cards by putting a budget and savings plan in place. I ... you have hot tips and handy hints for saving money? Email your ideas ...

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Gym junkie or junk the gym?

A sure-fire tip for better budgeting is to separate your essential ... A sure-fire tip for better budgeting is to separate your essential ... trainer, to bring you some money saving fitness ideas. The numbers are ...

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Ways to increase your income

... household or personal budget doesn't balance (there's more money going out than ... logic is simple, but the practical solutions are rarely ... household or personal budget doesn't balance (there's more money going out than ... logic is simple, but the practical solutions are rarely straightforward—after ...

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10 tips for budgeting for a holiday

... these 10 tips for a holiday that's free of money worries. ... ones, are … Continue reading "10 tips for budgeting for a holiday ... there's no room in your budget for savings, it's a warning sign ... taking shorter showers, save some of their pocket money for personal holiday ...

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Hidden costs of buying a home (infographic)

Using the national median residential dwelling price of $576,100, we explore the costs of buying a home. What are the hidden extras you need to budget for? ... ,000 Tips for saving for a home deposit Create a budget—budgeting is the ... on: Store-bought coffee – save $15/week or $780/year Entertainment – save $20/week or $1 ...

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Declutter for dollars

Is your home or workspace cluttered? Experts say that clutter may be holding you back from fully enjoying life. They tell us that living more simply can lead to greater ... take a trailer-load to the tip. Set aside items for donation ... pays to follow their selling tips. Over the years, I've given ...

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Melbourne Cup hot tip: how to gallop ahead

... … Continue reading "Melbourne Cup hot tip: how to gallop ahead" ... following adjustments to your weekly budget: You reduce your supermarket bill ... save about $2,300. Now let's say you put that money into ...

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The 7 Habits of Great Savers

... saver? If you have any money at all in the bank ... ... destination) with the benefits of budgeting (creating a detailed plan). For ... from your money? Read more savings tips in our 'Ultimate Guide to Saving Money' or ...

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Motivation to save money and stay on track

... Challenge? I'm loving the great tips and comments on MyBudget Buzz. ... ! And … Continue reading "Motivation to save money and stay on track ... Challenge? I'm loving the great tips and comments on MyBudget Buzz. ... It's never too late to save money. “Between 1996-97 and 2006-07, the ...

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Lying about money

... don't always stay happy and money can be a leading cause ... they're sick of fighting about money. In some cases, the stress ... living … ... Are you keeping your money troubles secret? Money troubles have a habit ... family's finances. It might be practical for one person to pay ...

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The Hidden Costs of Buying a Home — Revealed!

When it comes to buying a house, the deposit is just the beginning. Legal fees, stamp duty, bank and insurance charges, not to mention moving costs, can all add up to ... some tips to get started: Create a budget A detailed, 12-month budget can ... One of the tricks to saving money is to never let your ...

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Gifts that save money

... pod machine I have honestly saved a couple of hundred dollars ... hits … Continue reading "Gifts that save money" ... is amazing and a great money saving tip. Regards, Philip Coffee pod machines ... relative—a gift that would save them money. Then I started brainstorming ...

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Budgeting time: the cost of technology

Time. Even more than money, it's the one thing everybody ... 12.9 hours on … Continue reading "Budgeting time: the cost of technology" ... occurs when we analyse a budget over the long-term. In this ... better. Time is money, but it's more than money. It's the very ...

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Importance of saving

... 3.7 million Australians have no savings. They're living week-to-week with no ... if you don't have a savings plan, don't despair. Today is ... start ... Start small and watch your savings grow Saving is a lot like ... money to save, it's time to analyse your personal budget in detail. Long-range budgeting ...

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Cheap speed

Some people have a need for speed. But is there a safe, cost-wise alternative to buying a fast car? According to Ian Williams of the Australian Karting Association, the ... buy cars that are affordable, practical and safe. Men on the ... becomes a fast track to money problems. So, at MyBudget we ...

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10 tips to get financially fit

... Not to mention that bad money habits can snowball into serious ... about how … Continue reading "10 tips to get financially fit" ... end up saving thousands a year. Can't get your budget to balance ... sub-accounts — very handy for organising money into different buckets.) 9. Create ...

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Saving for Christmas

... never too early to start saving for Christmas presents. In fact ... end. But even … Continue reading "Saving for Christmas" ... never too early to start saving for Christmas presents. In fact ... save for a merry festive season. Start by creating a Christmas budget ...

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Women and money

Budgeting and saving is important for everyone, but ... to be especially vigilant about saving for rainy days, time out ... most likely demographic ... money savings tips for women: 1. Set your financial goals. 2. Create a budget. ... 3. Save up for the things ...

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Teaching kids good money skills

... received a valuable lesson in money management. At the start of ... tuck shop card with enough money that he would be able ... They had created ... some tips for teaching children good money skills:Introduce the concept of budgeting ... your children the value of saving by not buying them everything ...

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Savings Calculator

... a holiday? Want to save more money and reach your goals sooner ... tips in 'The Ultimate Guide to Saving Money' and our 'Complete Guide to Budgeting.' ...

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5 tips that make starting a budget easier

... experience that the structure of budgeting can take some getting used ... to, so here are my tips for making that transition easier. ... a strong ... a week, and setting aside savings from each pay are micro-actions ... same goes with budgeting. When you're trying to save money, it pays to ...

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Discount coupons: a cheaper slice of the pie

... readers recently sent us his tips for saving money. Paul has embraced the ... reads his news online. It saves him $1.40 … Continue reading ... readers recently sent us his tips for saving money. Paul has embraced the ... they're also kinder on your budget. When Paul and his family ...

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Girl-power: money saving tips for women

... , Karen sent us these great money saving tips for women: Organise a clothes ... cheaper than … Continue reading "Girl-power: money saving tips< ... , Karen sent us these great money saving tips for women: Organise a clothes ... a wheel. Create a budget. Tell your money where to go instead ...

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Budgeting for a baby

... , newborn bundles can sure be budget busters. To help families with ... , we are pleased … Continue reading "Budgeting for a baby" ... It's important for parents to budget for extra utility consumption, especially ... one or more government subsidies. Savings tips: Consider shopping for quality second-hand ...

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More tinsel for your Christmas budget

... I posted an article about budgeting for Christmas. If you've ... worked out your Christmas budget and it's looking leaner ... "More tinsel for your ... potential savings, depending on your social habits) Cut your weekly grocery budget ... by $10 (potential saving $120) You might be able to save ...

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5 Ideas for Homemade Christmas Gifts (from the heart!)

It happens to us every year - the jolly season of the year approaches quickly, and you start wondering what to get your loved ones. You start doing mental acrobatics ... if you're on a tight budget, we've got you covered! Homemade ... dishes Santa's brownie point tips: You can save time by finding some ...

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Need more cash for your Christmas stash?

... posted a video blog about budgeting for Christmas. Is your Christmas ... budget looking leaner than you'd like? ... ... ) Skip the daily cappuccino (potential saving: $160) Give up bottled water ... (potential saving: $400+) Cut your weekly food budget by $10 (potential saving: $80 ...

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Lookin' good on a budget

... reading "Lookin' good on a budget" ... in your budget and stick to it. That might mean saving up ... are marked down, you can save hundreds of dollars a year. ...

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How are you budgeting your time? (video blog)

In my February vlog, I share some tips about budgeting your time. Time is our most precious resource and the very stuff that life is made of. Have fun and In my February vlog, I share some tips about budgeting your time. Time is our most precious resource and the very stuff that life is made of. Have fun and spend it wisely! Tammy May’s February 2013 video log

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Beautiful budget weddings

... some tips about planning a beautiful, budget-conscious … Continue reading "Beautiful budget weddings ... ... ) she says that cocktail-style weddings save money because they demand less waiting ... create a beautiful ambience while saving on the cost and labour ...

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Three things I’d like Australian kids to know about money

... shares her top tips for teaching teenagers about money before they leave ... Australian kids to know about money" ... shares her top tips for teaching teenagers about money before they leave ... nearly any income level through saving and budgeting. Watch Tammy’s Video ...

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Pop culture Christmas crackers

... it's too late for Christmas budgeting tips-unless of course you're looking ... ... it's too late for Christmas budgeting tips—unless of course you're looking ...

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Budgeting for fun (video blog)

... all about the importance of budgeting for fun. Many of your ... goals will be big (like saving for a house or car ... smaller goals in your budget ... goals will be big (like saving for a house or car ... smaller goals in your budget. Fun stuff, like budgeting for a concert ...

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Wedding gifts: how much should you spend?

I recently read about a wedding gift incident in Canada that went viral. The story goes that a man and his girlfriend went to the wedding of an ex-colleague. Their wedding ... , the great thing about budgeting and saving is that it frees us ... reasons we set aside money, so celebrate! Budgeting has its own rewards. ...

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Budgeting tips for March madness

... Show, and the … Continue reading "Budgeting tips for March madness" ... and add it into your budget. (For MyBudget clients, please don't ... in advance. Public transport could save you money and stress. If you ...

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Stop wasting money on wasted food

... a … Continue reading "Stop wasting money on wasted food" ... waste at home: Refrigeration tips to save money Keep your fridge set at ... before the food eaten. Supermarket savings Never buy a chilled food ...

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Drive down car costs

Over the last few years, motoring associations across the country have reported that the cost of owning a car is skyrocketing. After factoring in petrol, interest charges ... cash. Not only will it save you money on interest and loan ... the bank? Create a budget which includes saving for a car. If ...

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Eat well for less

The Advertiser recently ran a story about the rising cost of healthy food prices in South Australia. There is no doubt that this needs to be flagged as a major social ... for your pocket. Meal planning saves money Before you hit the supermarket ... you have hot tips and handy hints for saving money? Email your ideas ...

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Tammy's Tips to a Budget Bali Holiday

... shop. For a budget … Continue reading "Tammy's Tips to a Budget Bali Holiday" ... nearly twenty years of budget Bali travel tips that I'm excited to ... exchange. The rest of our budgeted spending money is on my 28 ...

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Ready for March madness? How to budget for fun.

... talk about the importance of budgeting for fun. Big financial goals ... goals in your budget, too. Fun stuff-like budgeting for a … ... long-term goals. Here are my tips for March madness: Keep it ... beginning. You'll also need to budget for food, drinks and transport. ...

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How big is your slice of the household debt pie?

One of the ways the Australian Bureau of Statistics looks at household finances is to measure average household debt as a percentage of average household income. Over ... that Australians are starting to save again. Since the global financial ... start saving? MyBudget can help. We're Australia's largest, trusted personal budgeting specialist ...

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10 tips for a debt-free holiday

... debt behind. These quick tips will help you budget for a fun ... , the longer you'll have to save money and consider your options. (For .. ... debt behind. These quick tips will help you budget for a fun ... , the longer you'll have to save money and consider your options. (For ...

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Meal plan and save money

... misconception that living on a budget means eating two-minute noodles every ... watching how they spend their money. I've lost count of how ... ... break a budget. Careful meal planning can result in savings of hundreds ... meal planning process! Meal planning tips to save money: Start by scanning supermarket ...

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Struggling with credit card debt? Some of your options.

Are you struggling with credit card debt? Are you thinking about a debt consolidation loan or a credit card balance transfer? Both options come with pros and cons. Let ... eliminating debt and starting to save. There's a risk, therefore—especially ... budgeting they can pay their way out of debt and start saving ...

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"Cycling With the Stars"

Last week I posted a blog about ways to exercise outside of the gym and one of the resounding responses I heard from people was "I don't have time to exercise!" I have ... another cost-conscious and time-wise exercise tip… A basic second hand stationary ... before you part with any money). You can even cycle while ...

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Money advice from Bianca, a budgeting expert

... is one of MyBudget's personal budgeting consultants. Her job is to ... financial situation and design a budget plan to achieve their goals. ... ... financial situation and design a budget plan to achieve their goals. ... and gives you her top money management tips for taking control of ...

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10 tips to get financially fit

... Not to mention that bad money habits can snowball into serious ... and put on some serious money muscle. ... money muscle. Create a workout plan (also known as a budget). Your budget ... for your savings, 2) a transaction account to keep money for your ...

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Last minute Christmas tips

... … Continue reading "Last minute Christmas tips" ... some last minute Christmas tips that might save you some grey hairs ... visual reminder of your budget. Try organising your money into separate envelopes ...

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Trash to treasure: planning a garage sale

... the process. Here are some tips for maximising your sales and ... ... the process. Here are some tips for maximising your sales and ... more of Tammy’s money-wise tips in The Advertiser every Monday ...

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Cleaning on the cheap

Cleaning products can be hard on the pocket (not to mention the sinuses, skin and environment), so here are some ideas for cleaning on the cheap. Two cheap and common ... a stained toilet bowl by tipping in a cup or two ... you have hot tips and handy hints for saving money? Email your ideas ...

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Ideas for Earth Hour

We love receiving tips from readers and this one ... We love receiving tips from readers and this one ... we save energy we also save money. Check out Earth Hour’s tips for ...

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Teaching cashed up kids how to save

... ? My older two got some money from family members for Christmas ... cashed up kids how to save" ... percent of Aussie kids have savings. Their combined personal wealth is ... talk with your kids about money. Budgeting is a great family-friendly topic ...

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School holidays on a budget

School holidays are coming up which means those of us with kids are busy plotting ways to keep them entertained. Here are my tips for enjoying the holidays without ... them entertained. Here are my tips for enjoying the holidays without ... costs don't blow out your budget. Most kids are happy with ...

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How to choose the right insurance for you

... for your specific circumstances. Personal budgeting expert Tammy May explains why ... ... for your specific circumstances. Personal budgeting expert Tammy May explains why ... few people have enough personal savings to replace their vehicle or ...

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Aussies getting serious about saving

... the Global Financial Crisis, personal savings in Australia had fallen to ... starting to save again. Find out what Australians are saving ... starting to save again. Find out what Australians are saving for and ... being more careful with their money. The effects of economic instability ...

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Adult children still living at home? How to help them leave the nest.

Last week I wrote about helping ageing parents with their finances. This week I want to talk about the other end of the spectrum-adult children living at home. At MyBudget ... because they lack the necessary savings to become independent, and without ... financial responsibility include household budgeting, meal planning, saving to buy things, financial ...

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Romance on a budget (video blog)

Are you making plans for Valentine's Day? Remember, love is free and romance is all about the sentiment. Here are some tips for keeping Valentine's Day romantic ... the sentiment. Here are some tips for keeping Valentine's Day romantic ...

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Festive fluff

Merry Christmas everybody! From my family to yours, I wish you a wonderful day for tomorrow spent with the people who matter most to you. Whether you celebrate Christmas ... it's too late for Christmas budgeting tips, so here instead is a ...

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Christmas is coming! Tammy's October video blog

... you've already created a Christmas budget, that's awesome. If you haven't ... time to plan and make budget changes so you can enjoy ... season! ... you've already created a Christmas budget, that's awesome. If you haven't ... season! Here are my video tips. Tammy May’s October 2013 ...

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No more mobile phone bill shock

Good news about your mobile phone bill… Telcos are finally being held accountable for their confusing bills and pricing structures. The Advertiser reports that ... are one area of your budget that are vulnerable to blowing ... great place to explore potential savings. Tips for saving money on mobile phone costs ...

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Long-range budgeting is best

... goes something like "I tried budgeting before and it didn't work. ... Here's the thing: Good money management … Continue reading "Long-range ... their personal or household budget, they base the budget's timeframe on their ... and contingency savings, you should disburse an appropriate amount of money from ...

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Inflation will hurt those with no savings

... 3.7 million Australians have no savings. We see this at MyBudget ... meet have never had any savings. They find it hard enough ... ends meet, let ... ends meet, let alone put money away for a rainy day. ... every household or individual budget must include a savings plan. It's the ...

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Super-duper-annuation

... or financial situation-has a savings plan. My question today is ... to do with your savings this year? Save for a holiday? A ... ... to do with your savings this year? Save for a holiday? A ... complying super fund or retirement savings account (RSA). You total income ...

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Drive savings

... so hard I seem to save quite a few litres in ... week multiplied … Continue reading "Drive savings" ... $1.30 per litre = $135.20 annual savings.” Paul's findings are confirmed by ... save you a significant amount of fuel and money. Their top 10 tips ...

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20 reasons we love online grocery shopping

Is your supermarket bill blowing your budget? Personal budgeting expert and MyBudget founder Tammy May has 20 reasons why buying your groceries online might ... groceries online might save you money and help keep your budget healthy. I ... shopping online. I'm spending less money, saving time and, best of all ...

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Are your driving habits costing you money?

... so hard I seem to save quite a few litres in ... your driving habits costing you money?" ... $1.30 per litre = $135.20 annual savings.” Paul's findings are confirmed by ... save you fuel and money. The Department of the Environment's top 10 tips ...

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Fly high, pay low

Budget airlines are now providing low ... you compare budget fares with those of premium airlines, the savings can ... be astounding. One of the ... you compare budget fares with those of premium airlines, the savings can ... connecting flights. Travelling with others? Save money by sharing a suitcase. Planning ...

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Mortgages going down faster but first-home buyers struggling

A new report has found that Australians are paying down their mortgages faster. A quarter of Australians own their home outright, compared with 16 percent in 2007 and ... 2007 and more people are saving again. The trend is attributed ... sees more Australians opting for saving and debt reduction over spending. ...

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MyBudget clients get creative for Christmas

... Christmas budget in control. I'd love to hear your Christmas tips, too. ... ... Christmas budget in control. I'd love to hear your Christmas tips, too. ... from Cheap As Chips to save money there. Really, at the end ...

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Saving for a car? Budget 30 percent extra.

... become the … Continue reading "Saving for a car? Budget 30 percent extra." ... else does Sara need to budget for? On-road costs are going ... , if you're saving for a car, I recommend you budget at least ...

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Crash course in the cost of car ownership

Saving for a car? The ticket price is just the beginning. On-road costs and running expenses quickly add up. Here's a checklist to help you budget. Saving for a car? The ticket price is just the beginning. On-road costs and running expenses quickly add up. Here’s a checklist to help you budget.

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Tips for buying second-hand stuff online

... and pitfalls to … Continue reading "Tips for buying second-hand stuff online" ... out for. Here are our tips for buying second-hand stuff online. ... and liens. Bring the right money: Don't expect the seller to ...

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Buy Nothing New in August: are you up to the challenge?

Every year, Aussies spend billions of dollars on new stuff that ends up in landfill-everything from furniture and electronics to clothing and kids' toys. What if we stopped ... , resist consumer culture and save some money. Do you really need another ... hope you'll share your stories, tips and trials as you undertake ...

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Winter sales shopping tips (video blog)

The mid-year sales are just around the corner, which is why this month I want to talk about how to shop smartly. Tammy May's June 2013 video blog The mid-year sales are just around the corner, which is why this month I want to talk about how to shop smartly. Tammy May’s June 2013 video blog

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Credit card costs become clearer

There are approximately 20 million debit cards and 40 million credit cards or charge cards on issue in Australia. Combined, we use them to make about 10 million transactions ... and interest the customer will save if they increase their payment ... With a proper budget in place you can start saving and eradicate ...

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Home loan rate cuts: how to budget the savings

... the average mortgage holder, the saving represents around $50 a month. ... should do with the extra money and I always answer that ... loan rate ... building up your emergency savings. Have the money disbursed directly from your ... good reason to review your budget MyBudget clients can speak with ...

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