Saving

MIND OVER MONEY

How to haggle without regret

Caitlin Fitzsimmons   Haggling is not just for the markets or travel overseas, it's also becoming more common in the Aussie shopping mall.

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MONEY MENTOR

A master stroke for insurance savings

There are many inexpensive alternatives for vehicle insurance.

Nicole Pedersen-McKinnon   Prime Minister: This change would cost you nothing and save us a fortune.

TIP OF THE WEEK

How to choose best home broadband plan

You need more data if you plan to stream TV such as Netflix original series <i>Orange is the New Black</I>.

Angus Kidman   Fast broadband has reared its head as an election issue, with three out of four households not yet connected to the NBN. In the mean time, this is how to find the best broadband deal available now.

Horror stories from the rental market

Luke Fennell has had to previously deal with a bad landlord.

John Collett   A previous rental turned into a horror story for 47-year-old Luke Fennell and his wife and two children.

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MIND OVER MONEY

How to have a party lifestyle and still save money

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Caitlin Fitzsimmons   Some of my husband's 20-something colleagues like to rib him about having a "famous" wife and want me to talk to them about money.

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TRAVEL

Bargain airfares - if you get the timing right

Angus Kidman searches the comparison sites and then checks the airline sites directly to find the best flights.

John Collett   Booking flights at particular times before departure can yield big savings. The busy Sydney/Melbourne route has the biggest variation in ticket prices among the mainland capitals.

EXTREME BUDGETING

The Aussie family that saves $60,000 a year

Jasmine and Aaron Boothey of Adelaide and their children, daughter Blair (5) and son Hamish (2).

Kate Jones   Consumerism is the norm for many Australians but not for Jasmine and Aaron Boothey who save two-thirds of their take-home pay.

MIND OVER MONEY

Why the winter sales will be better this year

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Caitlin Fitzsimmons   If you feel that the winter sales are earlier and better every year, you're right. And this year the bargains will be more plentiful than usual.

INNOVATION

Apps and tools to manage your money

Robo-advisers won't fully replace humans just yet.

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.