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5 things to know before you start a small business

Wednesday, 17 February 2016 16:22

Is it a business or a hobby?

This is a critical question you should be asking yourself. As a business, you will ultimately function with a view to profit which will subsequently result in tax, insurance and legal obligations. A hobby is what you enjoy doing in your leisure time. For example, mountain biking, surfing, painting, writing, reading and visiting art galleries.

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Savings accounts for all students

Wednesday, 10 February 2016 12:41

Saving for your goals can be difficult at the best of times, let alone when you're studying. Leaving home for the first time and dealing with rent, student loans, university fees and other associated costs can make your first steps as a budgeter quite stressful.

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3 ways to organise your finances for 2016

Wednesday, 10 February 2016 11:56

How do you feel about your money? Are you concerned about your finances in the year to come? According to ASIC's latest Australian Financial Attitudes and Behaviour Tracker, 58 per cent of people said they were confident when handling their money1. However, that still leaves nearly half of respondents who couldn't say the same.

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How to avoid the post-Christmas credit crunch

Feeling a little deflated now the Christmas tree has been stored and the tinsel packed away? Have you been hit with the reality of the new year, including a not-so-nice credit card bill?

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Renovating in Stages and on a Budget

Friday, 05 February 2016 16:43

When we purchased our first home, it was a huge old art deco apartment with amazing features, but literally falling apart. The bathroom was in a state, the kitchen was even worse. Not even mentioning the yellow stained walls and dirty old blue carpet. We really had to use our imagination for the final outcome. It wasn’t really liveable, pretty much everything needed redoing, yet like most first homebuyers, our budget was stretched and there wasn’t much left over to renovate.

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5 ways to take on your Christmas debt

Friday, 29 January 2016 14:47

Investments Commission reports that on average, each of us planned to part ways with $1,079 during the holiday season1. On top of this, the Australian Retailers Association reported that we actually broke records for Boxing Day shopping in 20152

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4 financial tips for people heading to university

Thursday, 28 January 2016 15:45

With most universities kicking off the year in full throughout February, there are sure to be a lot of people entering the tertiary-education lifestyle for the first time.

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