Saving

INNOVATION

Apps and tools to manage your money

Adam Courtenay   Our mobile devices are becoming the go-to instruments of convenient commerce, offering something that consumers are only just beginning to come to terms with – a world of instantaneous self-wealth management.

Save on winter heating

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John Collett   Winter officially arrives this week and many households will be worried about the cost of keeping warm.

TIP OF THE WEEK

Safer shopping on your mobile phone

Shopping on a smartphone is convenient but there are security risks.

Angus Kidman   Shopping on your mobile device is obviously convenient, but it also can create potential security risks.

MIND OVER MONEY

Is an au pair right for your family?

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Caitlin Fitzsimmons   Greens leader Richard Di Natale copped flak for having an au pair, but for those of us outside politics it might be worth considering.

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Sisters are doin' it for themselves

Marg Joiner, a volunteer manager with Zoos Victoria, has recently completed the VicSuper Super Woman money program.

Christine Long   Women are tackling budgeting and finance head-on with help from VicSuper's online financial fitness course.

Why learning money smarts is like fitness training

Keep on running: Make your finances as healthy as your body.

Annika Bradley   Taking control of your finances is a bit like moving to a healthier lifestyle.

INSIGHT

How to supercharge your savings with honeymoon rate hopping

Erica Jong is prepared to put in the work to switch savings accounts for a better rate.

Kate Cowling   With interest rates at record lows, switching between high interest savings accounts could make you four times what you would otherwise earn in interest. But beware the catch.

MIND OVER MONEY

Set stage to keep fun in your life

A limited number of $20 tickets to see performances by the Sydney Theatre Company, such as Disgraced, go on sale every week.

Caitlin Fitzsimmons   I found myself sharing a stage last week with a hip hop artist, a jewellery designer and entrepreneur, a medical doctor and a singer-songwriter.

TIP OF THE WEEK

How to get a 4G mobile service for less

Save money by choosing the right monthly SIM plan.

Angus Kidman   Only Telstra, Optus and Vodafone operate mobile networks in Australia, but you don't have to buy your service through them.

MONEY BRAIN

Financial lessons from the Third World

Reaping rewards: Savers can learn from the lending criteria that microfinance group Grameen places on loans in Third ...

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.