![Easton James and wife Cecilia had to cut short a holiday to Malaysia four months ago to accompany their eight-year-old ...](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/w/b/x/d/image.related.wideLandscape.940x529.gxvmu9.12uqus.png/1502849911394.jpg)
Money features
![Saving for a car is great, but try not to spend too much.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/n/v/6/w/p/image.related.landscape.120x80.gxyetw.png/1502946087123.jpg)
The best bank account for your kid's savings
Financial expert Nicole Pedersen-McKinnon answers your questions.
![If the main breadwinner dies or is no longer able to work, how would the family survive?](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/y/7/r/8/image.related.landscape.120x80.gxy7q7.png/1502937400810.jpg)
Prepare for the risk of losing the breadwinner
If you follow the news about North Korea you might think we're living under imminent threat of catastrophe, but many Australians have a potential disaster in store closer to home.
![Sea change: Amber Joyce and her son Billy on the beach in Thirroul.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/g/e/5/image.related.landscape.120x80.gxxgg3.png/1502970292521.jpg)
How one couple is saving $19,338 a year on childcare
For the Joyce family, one partner being assigned to a project in Wollongong, south of Sydney, set the wheels in motion for a sea change.
![Dress for Success helps women get back on their feet by providing professional outfits for job interviews and other ...](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/v/k/p/m/image.related.landscape.120x80.gxvisg.png/1502811558407.jpg)
The average Australian is six paydays away from being homeless
Build financial resilience and confidence to buffer yourself from the risk of homelessness.
![If you only invest in Australian companies, you miss out on opportunities such as Facebook.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/y/8/6/c/image.related.landscape.120x80.gxus4t.png/1502809400729.jpg)
Buy global stocks because the ASX is not enough
The ASX is only 2 per cent of the world's stock markets, when measured by market capitalisation.
![Kathryn Carmont founded Thermohub five months ago using a mortgage redraw as start-up capital.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/u/8/h/v/image.related.landscape.120x80.gxt4xz.png/1502807996687.jpg)
How Kathryn started a Thermomix business without breaking the bank
Getting a business off the ground isn't just about finding start-up money. Behind the scenes you've got to be able to live and ensure your personal finances don't go backwards.
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Back-to-back wins for Ellis after strong race performances
Angie Ellis of 80 20 Investments scores yet another win in the Shares Race.
![Find a reliable mechanic who won't gouge you.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/u/m/9/z/image.related.landscape.120x80.gxuk5g.png/1502586817922.jpg)
Ten ways to save time and money
Like many working parents I'm time poor, so my favourite savings tips are ones that save time as well as money.
![The proposed scheme for first home buyers to use superannuation to save for a deposit has merit.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/t/b/j/s/image.related.landscape.120x80.gxtbmb.png/1502419005481.jpg)
First home buyer saving scheme has merit
Despite industry criticism, many Australians stand to benefit from the plans to use superannuation as a savings scheme for first home buyers.
![Behavioural finance explains why the free market doesn't always deliver the best outcomes to consumers.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/s/9/8/8/image.related.landscape.120x80.gxt5nc.png/1502377954661.jpg)
I was wrong: We need a banking royal commission
A royal commission into financial services shouldn't be necessary. But it is ...
![Many first home buyers will require family help, if available.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/t/6/7/n/image.related.landscape.120x80.gxt5xc.png/1502377943614.jpg)
Should you help your kids buy property? Only if they're good
It makes sense to help adult children if you can, but first you need to understand why they're unable to buy a home without help.
![Cutting immigration could hurt sharemarket returns, according to fund managers.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/a/8/d/f/image.related.landscape.120x80.gxt0i0.png/1502436413396.jpg)
The top 10 tips to boost your household budget
In this week's episode of It All Adds Up the team shares their top finance tips.
![Innovative technology may be able to help teach children how to handle money.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/7/5/e/5/image.related.landscape.120x80.gxsx3m.png/1502316113367.jpg)
How to make our kids money smart
By comparing the financial outcomes of their choices with those of their peers, Banqer facilitates learning from outcomes, not just theory.
![Despite reports of the property market coming off the boil, it's still not a welcoming environment for Millennials.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/y/y/t/image.related.landscape.120x80.gxswuo.png/1502377881313.jpg)
Five places for Millennials to invest their money
Property is but one asset class, and there are many other things you can do with your money in 2017 instead.
![Australia's soaring household debt, the largest of any advanced economy excluding Switzerland, shows that saving doesn't ...](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/j/p/s/w/image.related.landscape.120x80.gxs6us.png/1502250660975.jpg)
The real reasons you can't save
If you suspect some sneaky Jedi mind tricks are beating your efforts to save, you're on the money.
![ETFs make it easy to add gold to a portfolio of mostly shares to reduce volatility.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/n/t/c/image.related.landscape.120x80.gxpohd.png/1502678489842.jpg)
Alternatives to shares in SMSFs worth considering
"Alternative" investments are becoming easier for investors to access at lower costs.
![Major banks often pay savers significantly less than the market leader through their term deposits.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/o/t/4/d/image.related.landscape.120x80.gxo0g0.png/1502201024856.jpg)
Term deposit interest rates dwindle to record lows
The Reserve Bank may have kept official interest rates unchanged for the past year, but it's a different story for people with savings in the bank.
![In many states you need a licence to use a boat.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/q/p/6/v/image.related.landscape.120x80.gxqpdl.png/1502072015929.jpg)
Financial 'education' can be a trap for the unwary
If only there was a defined path to the Holy Grail, the ability to know which stocks are going up and which are going down and when.
![Pot stocks have enjoyed fevered interest since the government's moves to legalise the nascent sector.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/h/v/p/a/image.related.landscape.120x80.gxqq5o.png/1502201091835.jpg)
More than half of floated companies are underwater a decade later
Companies are floated to make money … but not for you.
![Mind the gap. Medical specialists' out-of-pocket costs vary considerably.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/1/3/e/a/c/a/image.related.landscape.120x80.gxqqoe.png/1502365431396.jpg)
Medical specialists shunned because of high costs
Private medical cover is not going close to meeting treatment costs for Debra Balhatchet, who has a tumour in her brain.
![Young people shouldn't put money into super if they want to access it before their 60s. Illustration: Simon Letch](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/t/4/e/image.related.landscape.120x80.gxpsvv.png/1502118080464.jpg)
Find super boring? Follow this checklist, then relax
The superannuation industry often talks about the challenge of getting young people "engaged" with their super.
![Opposition Leader Bill Shorten claims that family trusts are used to avoid paying a 'fair share of tax'.](http://web.archive.org./web/20170817132354im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/5/0/s/image.related.landscape.120x80.gxo4z7.png/1502186222273.jpg)
Labor's war on trusts not all it's cracked up to be
The parliamentary landscape got even murkier last week with opposition Bill Shorten's rant against "inequality" and his promise to make the rich pay "their fair share of tax".