Personal Finance
10 articles
Bali vs Europe: What Your Annual Holiday Choice Is Doing to Your Mortgage
A couple's European holiday costs around $12,000. A Bali holiday for the same couple runs about $3,500. The $8,500 difference, redirected to a $700,000 mortgage, saves $281,859 in interest and cuts nine years off the loan. Here is every number.
The Real Cost of Australia's 2026 Concert Season — On Your Mortgage
Ed Sheeran, Tame Impala, BTS, Laufey, Guns N' Roses — Australia's 2026 concert calendar is stacked. But what does a season of live music really cost your mortgage? We ran the numbers on every major tour.
What Switching to Supermarket Home Brand Is Really Worth on Your Mortgage
Swapping half your weekly grocery basket from name brands to supermarket own-brand products saves the average Australian around $46 a week. Redirected to a $700,000 mortgage, that saves over $109,000 in interest and cuts three and a half years off the loan.
Fringe Benefits Tax (FBT) Australia: What Employees Need to Know
Fringe benefits tax is paid by employers, but it affects your take-home pay, HECS debt and government benefits. Here's what Australian employees need to kn
HECS Repayment Calculator Australia 2026: Thresholds, Rates and What's Changed
HECS repayment threshold is $67,000 in 2025-26 under a new marginal system. Here's how to calculate your repayment, understand indexation, and manage debt.
How to Invest in ETFs Australia: A Complete Beginner's Guide (2026)
Learn how to invest in ETFs in Australia in 2026. Covers how ETFs work, how to open a brokerage account, popular ASX ETFs, fees, tax, and CGT changes.
Payday Super Australia 2026: What the New Rules Mean for Your Retirement
From 1 July 2026, payday super requires employers to pay super with every wage. Here's what the new rules mean for your retirement balance.
Salary Sacrifice in Australia: Complete Guide to How It Works, What You Save & the Traps (2026)
What is salary sacrifice in Australia? How does it work, what can you sacrifice, how much tax do you save, and what are the risks? Complete 2026 guide
Tax Return Australia: What Can I Claim in 2026?
What can you claim on your 2025-26 Australian tax return? This guide covers every major deduction category with current ATO rates and worked examples.
Emergency Fund Guide Australia 2026: How Much to Save and Where to Keep It
How much should Australians have in an emergency fund in 2026? Learn the right amount, where to keep it, and how to build it fast without impacting your lifestyle.