Money Saving Tips For Home Buyers

by Sean on January 12, 2017

You already know this, but buying a home is indeed one of the biggest financial commitment most of us will ever make. With rents on the rise faster than our incomes, many are looking to enter the buyer’s market.Whether you’re looking for Brisbane, Perth, Melbourne Adelaide or Sydney house and land packages, the tips below will help you achieve your homeownership goals.

Start by securing your mortgage first. Finding a dream home before you secure pre-approval for a mortgage can be a costly mistake. Seek and choose a lender at least three months before starting your house hunting. This will give you enough time to pay down debt as well as improve your credit score, which qualifies you for a better loan.
[click to read…]

Share

How To Reduce Your Spending in 2017

by Pam on December 23, 2016

Many of us struggle when it comes to the end of the month. The beginning of a new year is always a good time to assess what’s going on with your finances, and identify ways you could make savings in the months to come. If you search online for saving tips, you’ll find hundreds of suggestions, but how many are actually relevant or effective? Here are some measures you can try that will actually help you reduce spending in 2017.

Shop around for the best energy deals

Have you been with the same energy provider for years? If so, you could be missing out on incentives for new clients and low electricity rates. You may think that you’re getting the best prices in reward for your loyalty to a company. But often, it doesn’t work like that, and the best offers are reserved for new customers. If you’re shopping around, you’ll find that providers compete for your custom, giving you access to preferential tariffs and introductory deals. It takes a few minutes to compare prices online. It’s also worth giving your current provider a call and mentioning that you’re thinking of moving to another firm.
[click to read…]

Share

How An Accountant Can Help You Save Money

by Pam on December 2, 2016

how-accountants-can-save-you-moneyMany people choose to do their own taxes as a way to save money. The catch here is that, in many cases, this will actually cost you money. Using an accountant and getting the benefits that come with knowledge and training, can save you money through allowing you to make the most out of deductions and other tax benefits. Doing your own taxes may seem like a good idea, but before you make the decision, take a look at the money saving benefits an accountant can offer you.

Accountants Offer a Human Touch

While those tax software programs have been carefully designed and created to offer you an interactive experience, they are missing that human touch. They may not be able to pick up on issues as easily or spot potential savings. An accountant will talk with you, get familiar with your situation, and be able to relate to you on a personal level. These are all things the computer program can’t do. This gives the accountant an edge, allowing him or her the ability to read between the lines and find you tax breaks, deductions and other savings a piece of software wouldn’t even be aware of.
[click to read…]

Share

Simple Ways To Save On Your Next Degree

by Pam on November 30, 2016

ways-to-save-money-on-your-next-degreeWhether you’re pursuing your bachelor’s degree or you’re going back to school for a master’s, a university course can be quite expensive. The available programs cost anywhere from $10,000 to over $100,000 from start to finish. Worry not, because there are ways to save on your next degree. We are going to cover some of the simpler ones in this article.

Stick to Local Universities

The majority of your expenses as a student is actually not tuition fees; it is the cost of moving and living near the university for the duration of the course. You can easily save a lot of money by finding a suitable program near where you live. Eliminating moving costs alone can help you save thousands on the degree.
[click to read…]

Share

Managing Your Personal Finances As A Student

by Pam on November 22, 2016

smart money tips for studentsGoing to college is often the first experience that people have of managing their own personal finances. Without parents at home to watch their spending and perhaps give money when needed, students need to buckle up and learn how to tighten their purse strings. Although it can be tempting to splash out and spend money when you’re at college, living frugally can set up good habits for the future and allow you to better enjoy your salary when you finally get the graduate job you’ve been coveting. Read on to discover some of the best ways for students to manage their finances. [click to read…]

Share

Are You Getting The Most Out Of Your Money?

by Pam on November 21, 2016

how-to-get-the-most-from-your-moneyThere comes a time in everyone’s life where you’ve got to get smart with your money. Pinching the pennies is hardly the most exciting thing you’ll have to do but sometimes it is pretty necessary. The fortunate side of this is that you don’t need to lock your cash away in a safe and throw away the key. The trick is to make sure that you’re getting as much as you can out of the money that you have. Here are a few simple ways to make sure that you’re getting the most out of your money. [click to read…]

Share

how-to-live-well-on-student-loansLiving on student loans usually means a less than luxurious lifestyle that can be hard to stick to. With that said if you’re in the midst of your online bachelors in business and find it’s hard just to get by money-wise, then you’re going to love these money saving tips we’ve put together for you.

Borrow Textbooks

If your course requires text books, then it’s likely you will be spending a small fortune purchasing them. Whenever possible, look to borrow copies from your local library, or even look for gently used copies that you can buy for a fraction of the cost.

Fast Food is Your Enemy

We all know that students live busy lifestyles, and that usually means a healthy dose of fast food. Here’s an interesting experiment for you to try. Over the course of one or two weeks jot down each time you purchase food or drink and the cost of the item(s). This includes all those random coffees you grab here and there. At the end of the week add up what you’ve spent; you may find yourself a bit shocked how quickly that one dollar here and two dollars there adds up.
[click to read…]

Share