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Where is the best place to stash your cash?

 

Most Australian’s want to know where is the best place to stash your money for a rainy day, a holiday or to have extra income when needed and it’s becoming a bit harder with all the volatility in share markets and property. It’s also become more urgent if you are expecting a handy tax return.

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Enjoy a credit card holiday

To help reduce credit card balances, many people turn to balance transfer credit cards.

While these cards can help you reduce your debt, they do tend to catch people out from time to time by fineprint terms and conditions.

In this article, we’ll flag some common pitfalls and discuss the right way to use these cards so you can take a holiday from debt and be one step closer to financial freedom. 

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What tightened lending means for property buyers

Sure, tightened lending means home loans are becoming harder for some to get, but it’s not all bad news for Property Buyers.

That’s because there’s also reduced competition from investors, housing prices are falling, and clearance rates are too, making it much more of a buyer’s market than in years gone by.

So let’s take a look at a few simple steps you can take to improve your chances of obtaining finance in the tighter lending environment. Armed with these tips you could be better equipped to take advantage of the weakened housing market.

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5 habits to achieve financial security

Ever looked at a friend who has everything together and thought ‘what’s their secret?’ Here are five habits you can implement to achieve financial security.

Believe it or not, being secure financially doesn’t involve magic or an outrageous stroke of luck.

More often than not, it results from good habits, such as keeping track of your finances, cutting back on expenses, and planning ahead.

Here are five habits you can develop that will help you become the awe of your friends and family.

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Ways to improve your work-life balance

In what has become an increasingly connected world, where we can be contacted at all times of the day and night, pretty much anywhere in the world, the pressure to be available at the drop of a hat can be considerable and managing that work-life balance becomes much harder. 

But just because we have the means to always be available doesn’t mean that we always should be, far from it.

In an increasingly competitive workplace, we can often feel obliged to go above and beyond what should reasonably be expected of us in order to advance our career, or simply even keep our job. But this approach does neither you nor your employer any favours, as there is a strong possibility that it will ultimately lead to burnout, or at the very least, low employee morale and difficulties in your personal life. But by taking a few easy steps, you can achieve the optimum work-life balance that most of us crave.

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Budgeting in the Festive season

We’re at that time of the year again where shopping centres are packed, you’re signing dozens of greeting cards, and your little ones have just handed you a ‘wish list’ longer than they are tall. At the back of your mind, you’re hoping that you did enough budgeting for the festive season coming up. 

It’s easy to get caught up in the consumer frenzy at this time of year. The media  and advertising encourages us to equate spending with generosity, making buying a real emotional issue. From TV shows about the ‘best Christmas ever’ to department store ads encouraging us to give that special someone ‘what they really deserve’, there’s no wonder Australians spend billions every year over the holiday season– averaging around $955 per person, according to ASIC’s Moneysmart.i 

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