Finances

Bill Payment

  • $1782 - a good morning's work
  • 'Direct debit week' teaches a tough savings lesson
  • A no worry method for paying bills
  • A simple diary makes it easy to pay bills
  • Ask about basic service options
  • Ask for paper free statements
  • Been there, survived that
  • Bill account keeps money where it matters
  • Bill payment calendar system
  • Budget software
  • Budgeting for all bills on a low income
  • Cash flow budget stops bill pay panic
  • Clever tip for organising fridge notes and more!
  • Direct debit for bills is convenient
  • Donating to medical research an option for some
  • Double checking my account saved a week's wages!
  • Easy reminder to pay your bills
  • Elephant pictures helps with paying off credit card!
  • Email reminders effective for bill payment planning
  • Every budget is flexible
...and 37 more!

Debt Reduction

  • $100 extra on mortgage repayments saves $145,812
  • $150,000 paid off mortgage in under 6 years
  • $21 Challenge is just the beginning
  • $3 a fortnight makes mortgage $1800 cheaper!
  • $50 a week extra on mortgage saves four years
  • $50 extra a month put me thousands ahead on home loan
  • 'Breaking up' with credit card stops impulse buys
  • 'Cheque' out this great way to save interest!
  • 'Tough love' debt reduction
  • 1% rule pays off debts faster
  • 1% savings rule makes debt reduction less daunting
  • 13 months of mortgage payments
  • Allocate a set amount to debt and stick to it
  • Ask for the gift that keeps on giving
  • Been there, survived that
  • Better deals can be found at the banks too
  • Big savings to be made if you want to reduce your loan
  • Build trust with regular payments
  • Card triggers mortgage savings
  • Channel money into reducing debt
...and 69 more!

Financial Help

  • Been there, survived that
  • Best help from financial books
  • Books to help with financial worries
  • Daughter saves $14,000 in five months
  • Email your teen's way to a babysitting job
  • Enter into a repayment agreement
  • Family members contribute to fund
  • Free advice to get back on track
  • Free budgeting advice makes a huge difference
  • Free online financial calculators
  • Free online financial information
  • Free podcasts to download
  • Homestay is the way¬†
  • Honest approach to financial debts
  • Local charity clubs provide assistance
  • Time off is not so taxing
  • Trade Me can help reduce funeral costs
  • We struck a deal with the bank and saved our credit rating!
  • When you are desperate
  • You can take extra steps to avoid credit card debt

Habits

  • $1.00 a thousand times over
  • $10 rule makes saving easy
  • $21 coin Challenge saves $150
  • $6 weekly kids allowance saves $150 a month
  • 'Breaking up' with credit card stops impulse buys
  • 'Budget board' keeps savings on track
  • 'Cash only' bank account saves $5,000
  • 'Cash only' system better late than never!
  • 'Colouring in' spreadsheet helps pay off debt
  • 'E-money jar' perfect for cashless society
  • 'Fish and chip philosophy' curbs spending
  • 'Just say no' motto works whatever the temptation
  • 'Live simply, so others can simply live'
  • 'Needs' and 'wants' jar system stops impulse buys
  • 'No bonus' mentality buys our wildest dreams for free!
  • 'No Car' week saves hundreds in petrol
  • 'No spend' days save on ATM fees
  • 'Not Buying It' reduced my spending
  • 'Out of sight, out of mind' works for this squirrel!
  • 'Pay' your money tin to cover bills
...and 261 more!

Money Management

  • $1.00 a thousand times over
  • $2 notebook keeps spending at bay
  • $50 extra a month put me thousands ahead on home loan
  • '10% less' rule saves money and planet
  • 'Breaking up' with credit card stops impulse buys
  • 'Budget board' keeps savings on track
  • 'Cash only' bank account saves $5,000
  • 'Cash only' system better late than never!
  • 'Excel'-lent spreadsheet keeps weekly shop within budget
  • 'Fish and chip philosophy' curbs spending
  • 'No spend' days save on ATM fees
  • 'Out of sight, out of mind' works for this squirrel!
  • 'Pay' yourself
  • 'Savings Schedule' saves $1000 a year
  • 'Wants vs Needs' shopping list
  • 'Zero spend days' make savings out of nothing
  • 35 years of budgeting still going strong
  • 4-step plan has finally got us keeping within budget!
  • A no worry method for paying bills
  • A simple diary makes it easy to pay bills
...and 277 more!

Real Estate

  • Agents are professional negotiators
  • Avoid paying commission to agents
  • Low cost way to sell your own home
  • Negotiate selling fee when selling property
  • Shared home, shared costs
  • Some timely advice if you have a fixed mortgage

Renting

  • Always ask why your rent is being increased
  • Be thorough filling in condition report
  • Depositing rental payments in bank
  • Do maintenance for discounted rental payments
  • International homestay organisation has many benefits
  • Keep rent payment receipts
  • Make sure your name is on lease
  • Pay rent when sharing a house
  • Reduce rent by negotiation
  • The upside of downsizing