![Using an offset account lets you use every dollar twice.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/w/g/v/image.related.wideLandscape.940x529.gz4vug.12uqus.png/1508846514715.jpg)
Money features
![It's a trade-off: buying a cake saves time, while making one saves money.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/8/q/s/1/image.related.landscape.120x80.gz8q26.png/1509026644076.jpg)
What is the cost of a child's birthday party?
It pains me to say I have created a rod for my own back. We have three children, aged 7 through 18 months and we have always, every single year, had a party to celebrate the day of their birth.
![To qualify for Australia's one per cent, you need to be worth at least $5 million.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/7/t/e/w/image.related.landscape.120x80.gz6y7q.png/1508992736240.jpg)
The difference between Australia's haves and have nots
More than one quarter of Australian households have a net worth of more than $1 million. How do you compare?
![It's better to do the paperwork once and get it right.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/k/u/2/g/h/image.related.landscape.120x80.gz8tch.png/1508998609954.jpg)
Don't hedge your bets on a mortgage application, improve your odds instead
Are you a mortgage borrower who makes multiple applications to different lenders?
![You can't predict when a bubble is going to burst ... but you can plan for it.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/i/l/w/6/image.related.landscape.120x80.gz67xc.png/1508824398750.jpg)
How to make the most of an investment bubble
Bubbles are rare, fantastic, twice-in-a-lifetime opportunities. If you spend those moments sitting on the sidelines wagging your finger at everyone else's stupidity you are missing the point.
![Sydney family Bronwen Morgan, Jim Conley and their kids Cassidy, 9, and Brooklyn, 7, have not owned a car in five years.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/5/f/c/m/image.related.landscape.120x80.gz5fko.png/1508812160498.jpg)
Car ownership the norm, despite the rise in car sharing
The Morgan-Conley family doesn't own a car, but they're going against the tide.
![Race winner Scott Andrews grew his portfolio value by more than 30 per cent in four weeks.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/2/r/3/0/image.related.landscape.120x80.gz4oeg.png/1508461517362.jpg)
Andrews wins with a return of more than 30 per cent
Money reader Scott Andrews takes out first spot in the Shares Race after maintaining the lead throughout the four-week race with big contributions European Cobalt, EHR Rources and Living Cell.
![NAB is offering an investment loan without the risk of margin call.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/0/l/f/m/image.related.landscape.120x80.gz48ny.png/1508850959012.jpg)
Shrink the risk from borrowing to invest
The NAB Equity Builder offers novice investors a simple way to borrow for investment in shares.
![Childcare for preschool-age children can provide educational benefits.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/e/c/g/m/image.related.landscape.120x80.gz5eer.png/1508813674005.jpg)
New childcare subsidy puts focus on working parents
You can go online to find out how much childcare subsidy your family will receive after the new system comes into effect next July.
![Michael Mylonas, 22, from Perth, has made 17 times his original investments in crypto-assets, including virtual ...](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/q/7/g/image.related.landscape.120x80.gz3cbb.png/1508829975602.jpg)
Bitcoin is making fortunes for investors, but how long will it last
The price of Bitcoin rose by another $US500 this week after breaching $US5000 last week, making investors huge fortunes. But those who have seen their fair share of booms and busts are scratching their heads.
![Dee Heath, a businesswoman who has invested in Bitcoin on the side, at the pole dancing fitness gym she owns in Arndell ...](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/q/6/o/image.related.landscape.120x80.gz3zv3.png/1508545397079.jpg)
Small business entrepreneur triples her money with Bitcoin - but beware the risks
As Bitcoin moved up sharply again this week, after breaching $US5000 last week, the House of Representatives Standing Committee on Tax and Revenue heard evidence about virtual currencies and tax.
![A key to innovation and success lies in setting the right type of challenge.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/1/1/k/image.related.landscape.120x80.gz4052.png/1508536510820.jpg)
How to innovate your way to wealth
Innovation isn't just for business. We can also apply innovative practices to improve the management of our personal finances.
![Panic selling on the floor of the New York Stock Exchange on October 19, 1987.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/4/a/e/r/image.related.landscape.120x80.gz4a78.png/1508766954724.jpg)
Lessons from the past: 1987 sharemarket crash and the GFC
Gearing to buy speculative investments at the best of times involves considerable risks because of margin calls as share prices decline.
![ANZ Access cardholders are now able to tap and go with Apple Pay on their mobile phones.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/q/t/w/j/5/image.related.landscape.120x80.gz347g.png/1508458172176.jpg)
ANZ extends Apple Pay to 1.6 million Access cardholders
ANZ Access customers will be able to use Apple Pay with in-store eftpos mobile payments, making the bank the first Australian financial institution to offer Apple Pay.
![Gender inequality in preparation for retirement is larger in Australia than the US and UK.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/f/o/t/f/image.related.landscape.120x80.gz0hsn.png/1508420763939.jpg)
Aussie retirement gender gap much larger than US, UK
The biggest gaps in preparedness included not knowing how much was needed to retire or how long retirement savings would last.
![Lisa Wilkinson with her former co-host Karl Stefanovic. Their pay gap pushed her to find another job.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/2/5/3/3/image.related.landscape.120x80.gz2jhy.png/1508461452480.jpg)
What the Lisa Wilkinson story says about equal pay for equal work
There are always excuses to explain away a pay gap.
![You have until October 31 to lodge your tax - or longer if you use an accountant.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/8/b/v/image.related.landscape.120x80.gz2ail.png/1508200558635.jpg)
Get ready to lodge your tax return
Here is a fool-proof guide to ensure you sort yourself out and receive your cash (or choose an accountant) before the deadline hits.
![Olga Kashubin advises paying attention to keywords when uploading photos but says it's important to balance the business ...](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/1/l/q/3/image.related.landscape.120x80.gz1ljt.png/1508199642212.jpg)
How to make cash on the side from stock photography
Olga Kashubin makes enough money from selling photography to stock agency to pay for an annual overseas holiday with husband.
![As the property market slows down, banks need to rediscover the value of customer loyalty.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/c/e/5/image.related.landscape.120x80.gz2axr.png/1508333342210.jpg)
Are banks rediscovering the value of customer loyalty?
Are the banks finally getting it? Or being dragged, kicking and screaming, into a new reality?
![Retail sales have fallen for two months in a row, according to ABS figures.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/f/r/g/e/image.related.landscape.120x80.gyz8z8.png/1508246736406.jpg)
Cautious consumers tipped to drag on economy
Retailers have suffered their worst two months since 2010, and there is a growing view among economists that it reflects a broader pattern of consumers growing more cautious with their money.
![Samantha Nicoll.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/1/t/1/5/image.related.landscape.120x80.gz1i8r.png/1508131166429.jpg)
How the 'gig economy' is forcing workers into poverty
Budgeting has been a nightmare for Samantha Nicoll, whose introduction to the workforce was a series of casual jobs with no security.
![Technology can help you avoid temptation to dip into savings.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/o/6/i/o/image.related.landscape.120x80.gz0sly.png/1508115371102.jpg)
Round-ups go mainstream, as banks embrace behavioural finance trend
Round-ups boost savings by tapping into insights from behavioural finance, and they're going mainstream.
![Laura McGeoch, Mike Billings and their children, Alfie 5, and Max 2. Laura and Mike worked in the UK where they have ...](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/z/a/k/c/image.related.landscape.120x80.gyzb6h.png/1507860873004.jpg)
Thousands of Aussies caught in tougher rules to transfer British pensions
Aussie travellers who work and amass retirement savings in Britain could now be waiting for decades to transfer this money into an Australian superannuation account.
![Gold and base metals miner EHR Resources is doing well for race leader Scott Andrews.](http://web.archive.org./web/20171026150853im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/n/t/c/image.related.landscape.120x80.gz0645.png/1507853326428.jpg)
Andrews holds lead in shares race mostly thanks to European Cobalt, Living Cell
Money reader Scott Andrews retains first spot in week three of the Shares Race with his original $100,000 portfolio worth $$140,995.