What is Loyalty Tax? Firstly, it’s important to note that Loyalty Tax has absolutely nothing to do with the ATO. Loyalty tax is a sneaky, underhanded way that companies extract money from all of us. Fortunately, loyalty tax is avoidable. Some of the most well-known and trusted companies in Australia apply a loyalty tax against […]
Your Tax and Finances
Your Tax and Finances: Money Tips | Budget and Savings | Superannuation | Rental Income
HELP Repayment Rates: How To Repay HELP Debt Quickly
Need help with HECS-HELP debts? Here are some tips on repaying your HELP debt… If you are one of many people who finished university with a HELP (Higher Education Loan Program) debt, you might not be sure exactly what the steps are to repay help debt. It’s important that you know how to repay HELP debt, […]
Find Lost Super – How to track down your superannuation and boost your retirement savings
Key Takeaways Finding and consolidating your lost super could significantly boost your retirement savings: Millions of Australians have more than one superannuation account (super fund). That can mean paying more fees leading to less superannuation for your retirement. The good news is that, these days, it’s easy to find lost superannuation accounts and combine them […]
How to Pay Off Credit Card Debt Fast: 6 Strategies that work in 2026
Key Takeaways: 6 Proven Strategies to Eliminate Credit Card Debt The top 3 questions asked about credit card debt in forums across Australia: Do these sound familiar? If you have credit card debt, it’s likely you want to know the answer to these questions yourself. So, let’s answer them by looking at 6 proven strategies […]
Exploring the FIRE Movement: A journey to financial freedom in Australia
Could you retire at 40 instead of 67? If you follow a version of the FIRE strategy, it can be possible, but the price is high! What is the FIRE Movement? The FIRE movement (Financial Independence, Retire Early) challenges the traditional notion of working until 67 by encouraging people to save and invest aggressively to […]
3 Achievable Financial Goals to Set Each Year
If your mind is full of goals but they all seem so overwhelming that you keep putting them off, this article is for you. We look at how you can achieve more by aiming for less.
How much does a dog cost? – Really!
Get up to speed on the REAL cost of owning a dog, so you know what to expect before your commit. We’re not just talking about the purchase price, which can be eye watering, but the ongoing cost of owning a dog over its lifetime.
How to save money – 3 money saving tips to ignite your savings
Struggling to grow your savings account? With so many increases in the cost of living, many of us are feeling the pinch in our savings accounts. We regularly hear of people actually having to dip into their savings to make ends meet, or to make purchases that just couldn’t be put off any longer. That’s […]
Division 293 Tax
What is Division 293 Tax? Division 293 tax is an additional tax on concessional superannuation contributions for high-income earners in Australia. Its purpose is to reduce the tax advantage that wealthier individuals receive on their super contributions, making the system more equitable. Who It Applies To You may be subject to Division 293 tax if […]
Working Two Jobs in Australia: What You Need to Know
As living costs rise, many Australians are working two jobs (or multiple jobs!) to make ends meet. According to the Bureau of Statistics, 6.5% of the Australian workforce held multiple jobs in March 2025. While working two jobs can boost your income, it’s important to understand how this affects your taxes at the end of […]
Want to raise little entrepreneurs? Start by teaching kids about money
Teaching kids about money early is one of the most valuable life lessons you can give them. If you’re planning on raising money smart kids, you need to start early (even with preschoolers). In fact, the earlier the better. Your child’s understanding and attitude towards money can affect them throughout their life. If they learn […]
How To Do Your Best Tax Return and Boost Your Refund
Many Australians lose hundreds of dollars each year – simply because they forget about work-related deductions and the receipts for items they can claim. Do you compare your tax refund to your friends and family and wonder, “How can I get a better refund”? There are many ways Australians can improve their tax refund. Unfortunately, […]
APRA Super-fund or a Self-Managed Super Fund?
Choosing the Right Super Option for Your Unique Needs Self-managed super funds (SMSFs) are growing in popularity and more Australians are using them to build their retirement funds. What are SMSFs, and most importantly, are they worth it? Below we compare the two most popular options, self-managed and APRA-regulated funds. Definitions What is a Self-Managed […]
Australian Superannuation Guide
Everything you need to know about superannuation, from the basics of how funds work, extra payments, tax deductions & keeping them on track.
Simple Ways to Improve Your Tax Refund
Here’s the most common question people ask us every year: How can I get a bigger refund and pay less tax?” Australians are always looking for ways to improve their tax refund. We’ll answer this common question with four easy ways to improve your refund… 1. Manage your tax receipts Keeping track of your receipts […]
