Saving

MONEY BRAIN

Financial lessons from the Third World

Catherine Robson   The requirements microfinance lender Grameen Australia places on poor borrowers in the developing world read like a play book for good financial management in any country, even Australia.

INSIGHT

Savings at seven-year low and may dip further

Lower petrol prices deliver a windfall to consumers.

Clancy Yeates   For years, we've been told "the cautious consumer" is making life harder for retailers and other businesses that rely on household spending.

TIP OF THE WEEK

The hidden childcare subsidy for grandparents

Many grandparents don't know they are eligible for government payments for looking after their grandchildren.

Barbara Drury   Tip: Grandparents and other informal carers can be paid for babysitting through the Registered Care Provider scheme.

MIND OVER MONEY

Can appliances be both smart and durable?

The day is coming when our homes will be packed with "smart" devices and appliances.

Caitlin Fitzsimmons   Would you expect an oven that cost $2999 to conk out after seven years?

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CHILDCARE

Informal childcare makes family life work

Freny Kalapesi with her three young children and her babysitter, Stephanie Palmer.

Barbara Drury   They say it takes a village to raise a child and that certainly holds true for mother of three Freny Kalapesi.

LOYALTY

A $7000 Valentine's gift from me

It's time to fall in love with the cash you could preserve by switching or ditching your current provider.

Nicole Pedersen-McKinnon   When it comes to money, loyalty comes at a price.

EDUCATION

Back to school, but at a price

Marcelle Gomez and her husband Christian are saving so they have options when 15-month-old Cruz hits high school.

John Collett   Education costs are rising faster than inflation, so if you want choices about schools for your children, you need to plan ahead.

WELL HEELED

What are you prepared to suffer for?

If you're not prepared to suffer for a goal, it's not worth it to you.

Melissa Browne   Are we destined not to change or can we salvage our goals made for 2016? The short answer is yes and no.

'We were scammed': Debt management firms leaving clients worse off

Cathie and Demetrio Scarfone were "scammed" out of $2200 by a credit repair firm.

Esther Han   Debt vultures promise to sort out your money problems, but sometimes, they can make matters worse.

How to shop like an investor and save money

Woolworths is investing at least $600 million into reducing grocery prices.

Andrew Legget   Four tips to ensure you never pay more than you need to when grocery shopping.

Beating the curse of problem gambling

Matt Torcasio has quit gambling with the help of girlfriend Lauren Britt and the Victorian Responsible Gambling Foundation.

Leo D'Angelo Fisher   Matt Torcasio is proof that there is hope for the millions of Australians affected by problem gambling.

TIP OF THE WEEK

A plan-free way to save

An iPhone 6s Plus bought outright and run on prepaid credit could cost as little as $1736.60 over 24 months with ...

Erin Turner   There's one instance where no plan is the best plan of all: when it comes to your mobile phone.

DIRECT DEBITS

How to protect yourself from direct debit risk

The declining Australian dollar means US-based online services are becoming more expensive.

Paul Wallbank   As online subscription services take off, direct debits on credit and debit cards are becoming more common.

THE HONEST BROKER

The rules of a midlife crisis

Some people rediscover windsurfing as a midlife crisis sport.

Marcus Padley   The definition of financial happiness in a relationship is understanding the boundaries and not crossing them, and understanding each other's expectations and meeting them.

TIP OF THE WEEK

Master reverse Feng Shui to nab a bargain

Followers of Feng Shui believe the number four is bad luck.

Luke Metcalfe   Reverse Feng Shui is about harnessing negative energy to get more home for your money.

SAVINGS TIPS

10 ways to save money right now

Where there's a will there's a way to save money.

Bessie Hassan   Altering a couple of old habits and developing new ones could see you save significantly.

Kickstart 2016 with a financial health check

The new year is a good time to review your money goals.

Kate Jones   The new year is an opportunity to reset your money management and build prosperity - like electrician Paul Buhagiar who paid down $26,000 of his home loan last year.

MIND OVER MONEY

Are you paying the Vague Tax?

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Caitlin Fitzsimmons   My budget requires a certain allowance for costs incurred while my mind was absent.

Not so happy new year for green energy consumers

Clunes resident Russell Mills pictured at home with his  Origin Energy electricity bills.

Lucy Cormack   In the days leading up to Christmas, Origin Energy customers were notified that "a rise in the market price of renewable energy" meant GreenPower electricity charges would increase from 3.61¢ per kilowatt hour (excluding GST) to 5.10¢ per kilowatt hour from January 1, 2016.

MENTAL WEALTH

How to nail a New Year's resolution

Successful New Year's resolutions are about making self-control easier for your future self.

Catherine Robson   There is a little known secret to self-control that makes achieving your goals a breeze.

INTELLIGENT INVESTOR

Top 10 money mistakes of the middle-aged

In your 40s and 50s you are more likely to have extra mouths to feed.

Graham Witcomb   You're at the height of your career and you probably have a couple of extra mouths to feed. Here are the 10 biggest money mistakes to avoid in your 40s and 50s.

ONLINE BANKS

Why are your savings sitting with the big four banks?

Savers can get a better deal with the online banks.

Richard Livingston   Australians love the idea of 'free money', yet more than $600 billion of the $750 billion that Australian households have in cash deposits is in one of the big four banks.

The faster, cheaper way of sending money overseas

The Australian Bureau of Statistics said on Wednesday private sector wages, excluding bonuses, grew just 0.5 per cent in ...

Esther Han   Australians are wasting millions of dollars by sending money overseas via the big four banks instead of the booming number of nimble, specialist players, experts warn.

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SAVINGS TIPS

Have yourself a modern low-cost Christmas

Children on their way to a free Christmas carols event.

Nicole Pedersen-McKinnon   New ideas to make sure you celebrate Christmas without breaking the bank.

INTELLIGENT INVESTOR

The eight big money mistakes of the young

Schoolies on the Gold Coast: Many money decisions await.

Graham Witcomb    The decisions you make in your 20s and 30s can be the difference between financial success or living hand to mouth down the road.

WELL HEELED

Why collaborative consumption could work for you

Minding a dog for the RSPCA is a smaller commitment than owning a pet.

Melissa Browne   It seems natural to us when we find ourselves wanting to own, hoard and buy more.

MONEY BRAIN

Saving is easy if you master this one thing

A monkey with an apple. Give a monkey two apples he is happy. Take one away and the monkey goes ballistic.

Catherine Robson   Master this and saving is easy

How to make a granny flat arrangement work for you

Transfer, don't gift.

Kate Cowling   Retirees keen to help their children into the property market and keep the age pension are increasingly looking at granny flat arrangements.

The five biggest myths about saving money, according to a millennial

A generic latte coffee shot. 22 March 2012.
The Age Epicure. Photo:EDDIE JIM.

Suzanne Woolley   Ethan Bloch has some financial advice for his millennial peers: "Just have your f------ latte!"

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How to have a calm Christmas

Jill Stewart used lay-by to budget for her kids' Christmas presents.

Christine Long   You might think it's too early to think about Christmas but Jill Stewart would beg to differ.