![By using a cash-back site, Brett and Janette Rowcliff save money on petrol and grocery shopping.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/k/y/c/6/image.related.wideLandscape.940x529.gzmhk4.12uqus.png/1511185154556.jpg)
Money features
![Families with children are hardest hit by expensive travel insurance – but they also have the most room for savings.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/o/r/3/2/image.related.landscape.120x80.gzoqw6.png/1511225207809.jpg)
Families hit by Christmas travel insurance mark-ups
Where not to buy Christmas travel insurance… unless you want to pay triple.
![Cochlear is a great company but its price-to-earnings ratio is very high.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/r/u/7/e/image.related.landscape.120x80.gzpcq6.png/1511209037780.jpg)
Quality companies don't always make great stock picks
What Cochlear teaches us about the difference between companies and stocks.
![The ASX recently hit 6000 points for the first time since the GFC.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/o/o/c/s/image.related.landscape.120x80.gzpji5.png/1511224950843.jpg)
You're ready to buy shares - here's how to get started
Congratulations. You've saved hard, read widely and maybe even noticed that the ASX has hit 6000 points for the first time since the GFC.
![Shakespearean actor Chris Huntly-Turner in costume as Henry V.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/o/q/a/7/image.related.landscape.120x80.gzoq5a.png/1511271072690.jpg)
'The most irresponsible financial decision of my life'
Long periods of unemployment or casual work requires a special approach to budgeting and finances.
![Social impact bonds allow investors to help fund government programs that meet pressing social needs.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/i/3/4/q/image.related.landscape.120x80.gzmql0.png/1511271130248.jpg)
Hand-up to the less well-off that pays off for investors
Social benefit or impact bonds are only just coming onto the radar but early indications are that they can produce very good returns for investors who want to put their money into something that's doing social good.
![Kathryn Cameron with her daughter Rachael, is planning to give secondhand gifts this Christmas in Sydney. Rachael is ...](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/n/r/p/c/image.related.landscape.120x80.gznwzs.png/1511127353606.jpg)
I'm dreaming of a secondhand Christmas
Most Australians say they would be happy to receive a secondhand present this Christmas but are shy about giving one for fear of looking cheap.
![Angle Ellis holds the lead despite the value of her portfolio dropping.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/o/t/1/h/image.related.landscape.120x80.gzn4vv.png/1511005010522.jpg)
Tougher going for racers as market rally reverses
Angie Ellis of 80 20 Investments holds on to first spot in week three of the four-week Shares Race, despite her total portfolio value falling.
![Europe and the US de-leveraged after 2008, but Australia has not. Illustration: Matt Davidson](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/m/7/6/i/image.related.landscape.120x80.gzm6n5.png/1511004935962.jpg)
A billionaire's explanation of how the economic machine works
Australia has more household debt than the United States before the global financial crisis.
![From little things, big things grow.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/s/z/z/z/image.related.landscape.120x80.gzm7qr.png/1510926477164.jpg)
New Acorns investment product for kids
I started with a Commonwealth Bank money box when I was young and it served me well.
![The regulator's actions to slow growth in lending to investors is seeing first timers coming into the market.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/i/i/u/n/7/image.related.landscape.120x80.gzhplz.png/1510699141107.jpg)
Property prices at a turning point - or the pause that refreshes
Property prices in Sydney appear to be at turning point with Melbourne not far behind.
![ASX reaching 6000 points is a cause for reflection rather than celebration.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/8/v/f/2/image.related.landscape.120x80.gzit5e.png/1510926946091.jpg)
Don't expect the ASX to recover its all-time high soon
Our market's done a lot of huffing and puffing, but the elusive 6000 points has been passed.
![Low wage growth and high indebtedness means it will take longer for borrowers to pay down loans than in the past.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/q/p/v/b/image.related.landscape.120x80.gzh80x.png/1510664813071.jpg)
Regulators worried about housing debt - but not for the reason you think
Mortgage debt is a big concern for financial regulators, but maybe not for the reason you think.
![Many of the incidents in Bondi Rescue happen because swimmers try to fight the riptide.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/k/2/1/l/image.related.landscape.120x80.gzk1vi.png/1510622972133.jpg)
Swim with the current to reach financial success
It's easier to set up systems that act as a channel for success than it is to swim against the rips of our daily lives.
![If there's a partner eligible for a surviving spouse pension, the attractions of the lifetime defined-benefit pension ...](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/2/m/3/image.related.landscape.120x80.gzilpr.png/1510757111067.jpg)
Vested interests can push defined benefit members to take a lump sum
Given the generosity of most defined benefit pension funds, there are benefits for employers when members cash out their entitlements.
![Gyms are notorious for making it hard to cancel membership.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/t/w/j/e/image.related.landscape.120x80.gzj6jg.png/1510664903436.jpg)
Banks are failing in their obligations to cancel direct debits
It seems everything is a subscription these days. If I scan through my bank statement, it's full of recurring payments.
![Jenny Rosalky in her sewing room filled with fabric and quilts, at her home in Stanmore, Sydney.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/i/k/o/2/image.related.landscape.120x80.gzhxe5.png/1510664927911.jpg)
Death of a hobbyist: treasure thrown out in post-death clean-up
Hobbyists and collectors often have well-founded fears their 'treasure' could end up in landfill or sent to Vinnies when they die.
![Among other things, DigitalX is facilitating overseas money transfers with a digital currencies remittance product ...](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/1/3/k/3/0/w/image.related.landscape.120x80.gzih6l.png/1510398115673.jpg)
Ellis increases her lead in the shares race with her DigitalX pick
Angie Ellis of 80 20 Investments has increased her lead in week two of the four-week Shares Race.
![Talking to friends about your true financial position can be beneficial.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/u/x/9/image.related.landscape.120x80.gzhu97.png/1510517639539.jpg)
We need to talk about money
How many people know the nitty gritty of your financial position?
![Comprehensive credit reporting will paint a better picture of a consumer's money behaviour.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/w/h/2/image.related.landscape.120x80.gzhvlm.png/1510323053205.jpg)
Comprehensive credit reporting will provide a better picture
New finance regulations could help you buy a property or refinance a mortgage.
![ING](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/v/7/v/s/image.related.landscape.120x80.gzhtpk.png/1510273020846.jpg)
ING to scrap international ATM fees
The fight over ATM fees is expanding overseas, with ING Austraila offering fee-free withdrawals from every ATM in the world to customers who conduct their main banking business with the digital bank.
![The portions are bigger in the US.](http://web.archive.org./web/20171121141206im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/s/x/2/image.related.landscape.120x80.gzhs07.png/1510407944051.jpg)
How personal finance is changing in the US
I've just seen Think and Grow Rich: The Legacy, which explains Napoleon Hill's success principles.