![Luca De Lorenzo is annoyed by the loss of value of credit card points programs.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/8/3/1/j/image.related.wideLandscape.940x529.gy7zun.12uqus.png/1504463723001.jpg)
Money features
![Unequal pay leads to unequal retirement.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/k/v/z/q/v/image.related.landscape.120x80.gya3f8.png/1504484686333.jpg)
'More women living in cars': unequal pay a super problem
The fastest growing group of homeless Australians are women over 55.
![Marian Russell with her two children, Allegra, 2, and Bodie, 1, at Warriewood beach.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/8/c/f/c/image.related.landscape.120x80.gy9mjk.png/1504496416798.jpg)
'It's sad': After paying the bills every week, Marian has $30 left
Nearly one in three Australians is feeling financially stressed, with damaging effects on mental and physical health and social relationships.
![Ellis continues to do well from ePAT Technologies, which has an app that reads the faces of those with dementia for the ...](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/h/v/m/3/k/image.related.landscape.120x80.gy8nk0.png/1504229876257.jpg)
Pritchard maintains lead over Ellis in week two of Shares Race
The top three spots remain unchanged in the second week of the four week shares race. Richard Pritchard, who plays as the Chartist, maintains his lead over the Shares Race's reigning champion Angie Ellis.
![Kylie Minogue filming the music video for her first single "Locomotion", 1987.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/7/k/7/h/image.related.landscape.120x80.gy7jsp.png/1504263551281.jpg)
How personal finance has changed since 1987
It's fascinating to look back 30 years and think about what Australia was like at that time.
![Having the ability to borrow against or withdraw money from a mortgage offset account greatly expands the financial ...](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/u/c/x/d/image.related.landscape.120x80.gy7oro.png/1504224969151.jpg)
The benefits of getting a reverse mortgage
Depending on your situation, getting a reverse mortgage can be a prudent financial decision.
![If auction bidding goes too high, keep your hand down.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/r/5/5/image.related.landscape.120x80.gy7g31.png/1504278243188.jpg)
Protect yourself in a frenzied property market
How to protect yourself when the market gets hot.
![Peter Costello, chairman of the Australian Future Fund, says the fund "continues to perform well and has exceeded its ...](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/6/4/d/4/image.related.landscape.120x80.gy7rx8.png/1504264414576.jpg)
Could Future Fund manage your retirement savings too?
Future Fund chairman Peter Costello said that the sovereign wealth fund could possibly start managing superannuation money.
![Your daily coffee habit could be costing you more than you think.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/7/0/j/0/image.related.landscape.120x80.gy6zn3.png/1504278280313.jpg)
Your morning coffee adds 154 minutes to your mortgage
Your daily micro-spend on the apparently delectable micro-grounds is keeping you in debt far longer than necessary.
![Brisbane couple Alex, 28, (left) and Lauren Fisher, 33, at their wedding in 2016. They plan to have another ceremony if ...](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/6/0/e/j/image.related.landscape.120x80.gy60fk.png/1504192030548.jpg)
How Alex and Lauren used Acorns to pay for their honeymoon
After Alex and Lauren Fisher exchanged their wedding vows in June last year, they jetted off to Bali for a honeymoon using money they'd saved with the Acorns investment app.
![Saving for a realistic target for retirement makes it more of a molehill rather than a mountain to be climbed.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/z/q/w/k/3/image.related.landscape.120x80.gy41mq.png/1503868566141.jpg)
Data crunching reveals who salary sacrifices into super
It's a fair bet that those making most contributions to super are still workers, especially the over-50s.
![The Tax Office estimates $2.85 billion a year in super is not paid to employees.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/a/x/u/image.related.landscape.120x80.gy65t8.png/1503973104658.jpg)
Tax Office reveals size of underpayment of super for the first time
There is a $2.85 billion-a-year shortfall in what employers should be paying their employees in super.
![Homeowners are increasingly turning to Airbnb to make extra money.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/d/l/k/a/image.related.landscape.120x80.gy5g4s.png/1503884568491.jpg)
A homeowner's guide to letting on Airbnb
Airbnb can seem like a short-term win because of income and tax deductions, but there's a long-term cost when you sell.
![Qantas has dropped Dubai from its network.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/x/l/3/image.related.landscape.120x80.gy5e45.png/1504191874133.jpg)
Earnings season: more profit than loss for 'mum and dad' shareholders
Qantas is the star performer of the retail stocks this profit reporting season with its declaration of its second-highest ever profit.
![The Reserve Bank has changed the rules on credit card fees.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/u/g/j/w/image.related.landscape.120x80.gy4crh.png/1504423425278.jpg)
Push for tighter caps on credit card limits
How long is too long to spend paying off a credit card debt?
![Big homes with pretty gardens are a great base for retirees to entertain friends and family.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/k/w/q/image.related.landscape.120x80.gy4kbp.png/1503836329398.jpg)
The real reason retirees keep their big homes
Despite efforts to encourage retirees to downsize, they overwhelmingly prefer to continue living in their big houses.
![Scott Johnston got his finance approved well before he bought his apartment in Melbourne's Richmond.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/3/6/o/image.related.landscape.120x80.gy2vn7.png/1504018793992.jpg)
Organise finance early this spring property season
House hunters should seek to get mortgage approvals well ahead of time.
![Fastbrick's robots can lay the bricks for a four-bedroom house in two days.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/1/t/b/s/image.related.landscape.120x80.gy3w6y.png/1503622996436.jpg)
Pritchard takes handy lead in new Shares Race with lithium and robots
Richard Pritchard has thrown down the gauntlet to the Shares Race's reigning champion, Angie Ellis, in week one of the new round of the four-week Shares Race.
![You're not Gordon Gecko, the Michael Douglas character pictured left in Money Never Sleeps.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/z/i/7/image.related.landscape.120x80.gy3z73.png/1504018815426.jpg)
A little financial tough love
There is a lot that is wrong with financial services. That said, many of us don't help ourselves, either.
![There are a variety of errors that taxpayers can commit when filling out their tax return – whether mistakenly or otherwise.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/x/i/l/3/image.related.landscape.120x80.gy3x6f.png/1503622283471.jpg)
5 reasons you didn't get as much tax back this year
It's that time of year when Australians get their tax returns back from their accountants and sometimes get a nasty surprise.
![Superannuation contributions can be used to reduce your capital gains tax liability.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/q/t/q/6/image.related.landscape.120x80.gy3bm2.png/1504018760192.jpg)
How super contributions can reduce capital gains tax
Making tax-deductible superannuation contributions to reduce capital gains tax is now a strategy available to more people.
![The exemption of the family home from the age pension assets test makes retirees reluctant to downsize.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/5/8/9/image.related.landscape.120x80.gy33ql.png/1504018905702.jpg)
How the age pension distorts the housing market
When the decision was made to exempt the family home from the pension assets test, home ownership levels were higher and housing was more affordable.
![If your boss asks you to 'take care of something', communicate about how you plan to tackle it.](http://web.archive.org./web/20170904040533im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/2/w/w/image.related.landscape.120x80.gy32p2.png/1504018885968.jpg)
How to manage your boss
One of the key determinants of our income is how well we get on with our boss.