Dollars & Cents FREE. Issue 07 October 2015 Foresters Group & Kyabra Community Association TAKE ME I M
|
|
- Helena Stone
- 6 years ago
- Views:
Transcription
1 Dollars & Cents TAKE ME I M FREE Issue 07 October 2015 Foresters Group & Kyabra Community Association
2 Planning ahead for Christmas It s never too early to think about saving money for the festive season. If you want to get the right gifts for your loved ones, and not end up with a crippling credit card or payday debt by January, now is the time to start planning with Christmas only weeks away. Here are some smart money tips for the silly season: Budget and save You may want to start a budget now so you can pay for the gifts up front as much as possible. For example if you set aside $100 a month for the next two and a half months, or $50 per fortnight until Christmas, that should get you close to $250 for gifts. If you don t think you can set aside this much, see what you can set aside and adjust want you will buy. Start a Christmas box for your pre-purchased presents and savings. More cash it may not be too late to pick up some extra shifts or small jobs before the festive season. Ask and you may be surprised. If you are on a benefit, hold off on getting a cash advance now so you can save it for Christmas time. You may also have things you no longer need and you can sell them at a flea market or online through ebay or Gumtree now so you can add this to your Christmas kitty. Whatever you do, avoid using your credit card or use it as little as possible. Whatever you spend for this one day should make 2016 better not worse! Start the new year without the stress. Smart shopping Make a list of who you need to buy for and decide how much you can afford to spend. Sometimes a really thoughtful or much needed gift is not the most expensive one. You may also want to hold off on any promises until you can see where your budget is at closer to Christmas. Alternatively, if there is definitely something you want to buy, it may be good to shop ahead now, especially if it is on special and make use of the lay-by system, so you don t pay interest on it. 2 3
3 Can t afford insurance. think again Insurance4That is affordable and simple, single-item insurance for things that you have in your home such as your TV, fridge or mobile phone. You choose the items you want covered: Electronics e.g. TV, digital camera, mobile phone, tablet, notebook computer and more White Goods e.g. fridge, washing machine, microwave and more Medical Devices e.g. hearing aid, glasses Other e.g. furniture and musical instruments Your selected items can be repaired or replaced if they are lost or damaged by events such as theft, flood, fire, storm or cyclone. There is also the option to take out additional cover for portable items against theft anywhere in Australia. Want to know how affordable this insurance is? Go to the insurance4that.com.au website, enter the items you want insured, and you will see what the premium would be. Add or delete items to see how the premium amount will change. Payments can be made either weekly, fortnightly, monthly or yearly at no extra cost. For more information about Insurance4That come and visit us at Kyabra. Quarterly rego payment option now available Budgeting for car registration can put a lot of stress on most households. However, you now have the option to pay for your car registration in quarterly payments via direct debit. The new billing options allow car owners to pay their registration electronically in quarterly or half yearly instalments, reducing the pressure on household budgets. Paying for your registration for the full year will still put you ahead, however the smaller payment option is great way to help you keep on top when the bill arrives. In order to pay quarterly, you must enrol online at least a month before your next rego is due. To enrol for direct debit visit qld.gov.au/transport and click on the Registration option. Select to renew registration by direct debit and follow the steps. Once you have set up direct debit payment, the payment will come out of your nominated account or card automatically when the payment is due. Make sure there is enough money in your account before the payment date so you don t get hit with any additional bank fees. To find out when your registration is due visit services.transport.qld.gov.au. 4 5
4 Saving for an emergency If something is going to go wrong, it will happen at the worst possible time and at a time when you don t have any money to fix it. So why not prepare for this by saving for a small emergency fund. $500 may just be enough to get you out of trouble. Here are some tips to get you saving for your own emergency fund: Set strict rules on when you can use the emergency fund. If you don t set rules, it may be too tempting to use these funds for everyday expenses. Make it hard to get to. Put it into an account which does not have a ATM card. You may want to have it located with a different bank (make sure it is a concessional account with no fees or charges). If you put away $20 a fortnight into your Emergency Savings account, it will take one year to save $500. Put away $40, it will take only 6 months. Here are some rules to help you manage your emergency saving fund: Only use 50% of your Emergency Savings and use normal expense account to pay the other 50%. This will mean you will have some Emergency Savings left if something else happens. Make a list of the things the Emergency Savings can be used for and stick to it! If you are going to use a direct debit to pay into your Emergency Savings account, make sure you set it up on a day when there will be funds in your account eg the day after money is put into your account. Starting a small business Do you have a great business idea? Maybe it is time to consider working for yourself and starting your own small business! Before taking the next step, it is best to be aware of what s involved in running a business. Proper planning is key in turning your dream into reality. This means coming up with a business plan. A business plan puts together your business goals, financial expectations, and any market information that will help you build a successful business. It is important to prepare a business plan when starting or growing your business and review it regularly to keep it up-to-date. If you are a fresh starter, it is highly recommended that you seek help and advice from a mentor. A mentor is someone with extensive business experience and knowledge who can advise and guide you on a range of business matters. Mentoring can be delivered one-on-one or in a group environment. You may find a mentor if you are eligible to enter the NEIS program or by completing another small business training course. Visit business.gov.au to access a range of helpful resources to get you started on your journey. Join a micro business community like flyingsolo.com.au or smallbusinessadvice.org.au to access more helpful information. Whatever your dreams are, make sure you create a sound business plan and get the right help and advice to turn your business goals into reality. 6 7
5 Getting on top of your Energy Bills Why is my electricity bill going up when my energy use is going down? It could be because you are being charged more for fixed charges. Electricity charges are revised on July 1 each year, and this year you ll be paying $117 per quarter in fixed charges before any electricity is used. Many retailers entice customers with discounted plans, however the basic costs are set by the Queensland Competition Authority. If you re thinking about changing energy retailers in order to get a better deal, check out or call for an independent comparison of contracts. If you are having trouble paying your electricity bill, contact your energy retailer as soon as possible to arrange an extension, set up a payment plan or apply for the Home Energy Emergency Assistance Scheme. All electricity retailers must have a hardship program if you re struggling, ask to speak to the hardship team for someone who better understands your situation. It is important to read each power bill, even if you are on a payment plan, to understand what you are paying for. Every bill is required to show your average daily usage and average cost per day, and compare these to last year s usage, if you have been with the same retailer for over 12 months. From this information you can work out how much you need to pay each fortnight to keep on top of the bill. If you hold a Pensioner Concession Card or Commonwealth Seniors Card you are eligible for a rebate on your electricity bill just contact your retailer to have these details added to your account. If you or a member of your household has certain medical conditions that require additional electricity usage, you may be eligible for additional subsidies contact Smart Service Queensland on or visit for further information. 8 9
6 Don t fall into the payday lender trap Being strapped for cash when unexpected expenses pop up can put you in a tough spot, but be wary of payday lenders who give out fast and easy cash. Small loan lenders should be licensed with ASIC or be a representative of someone who is licensed. You should always be cautious if a payday lender turns over money to you without asking you any questions or requesting any documentation. By law, they must not enter into a loan contract with you if you can t repay without suffering hardship or one which does not meet your requirements or objectives. They should be making reasonable enquiries about your financial situation and take reasonable steps to verify them with documentation. Other things to watch out for are the charges. A lender must provide a written contract setting out maximum you will pay for their services or a quote for providing credit assistance (unless this is provided free of charge). Some other allowable fees could include: A government fee or charge Default fees or charges (the credit provider cannot collect more than 200% of the amount loaned if you default - that is, fail to pay back the loan) Enforcement expenses (if you fail to pay back the loan, these are the costs incurred by the credit provider going to court to recover the money owed under your credit contract) The best way to stay out of debt is to avoid getting a quick cash loan and looking into what other options are out there. You can try to get a Centrelink advance or ask friends or family for help. If you need a loan to purchase household goods, a No Interest Loan Scheme could be an option for you. Contact Foresters on today and one of our helpful staff can discuss what is the best option for you. The fees they may charge you are capped as follows: A one-off establishment fee (no more than 20% of the loan amount) A monthly account keeping fee (no more than 4% of the loan amount) 10 11
7 Community Microfinance Reaching more people by recycling money and providing access to safe, fair and affordable credit. NILS (No Interest Loan Scheme) Interest free loans up to $1,200 for new household assets (whitegoods and furniture), educational costs, medical expenses and basic household repairs. To locate your nearest NILS provider visit or: Call: Website: Call: Website: Step Up Loans Low interest loan from $800 to $3,000 over 1 to 3 years for asset purchases such as whitegoods, cars, computers, medical expenses and house repairs. Where: Kyabra Community Association Call: communityfinance@kyabra.org Where: Logan East Community Centre Call: stepup@lecna.org.au Foresters Loans Personal loan from $500 to $4,000 over 1 to 2 years for any worthwhile purpose. Call: individuals@foresters.org.au Website: P: P: Disclaimer: The information contained within this newsletter from all writers is provided for informational purposes only and is not intended to substitute obtaining professional financial advice.
Dollars & Cents. Inside
Consumer Tips Dollars & Cents Inside Overwhelmed or Doing it Tough? Step Up w Available at Kyabra Small Amount Loans Things to Watch Out For Bank Fees and How to Avoid Them How Jill Saved Bucket Loads
More informationDollars & Cents FREE. Inside
Dollars & Cents Inside Small Amount Loans and Your Options How could you use an extra $500 in your bank account? Reduce Your Juice If your landlord has let you down keep paying the rent! Be Money Smart
More informationInside. Issue // 03 September 2013 By Kyabra Community Association & Fair Finance Australia TAKE ME I M FREE
Inside Watch Your Regular Insurance Repayments Jean s Story: How She Stopped Renting Household Goods... Identity Fraud It Wouldn t Happen to Me! I Didn t Think I Spent That Much on Takeaways! Talking Stars
More informationWhat if I need to borrow money or access credit?
What if I need to borrow money or access credit? Before you borrow money the first thing to think about is whether you can afford it. The best way to check out what will be affordable for you is to do
More informationwith the support of Everyday Banking An easy read guide March 2018
with the support of Everyday Banking An easy read guide March 2018 Who is this guide for? This guide has been designed to help anyone who might need more information about everyday banking. We will cover
More informationThe Easy Picture Guide to Insurance for People Living Independently. Your Money Your Insurance
for People Living Independently Your Money Your Insurance 2 This guide is all about insurance. Insurance is something you buy to make sure if something goes wrong, you will get money to put things right.
More informationMaking the Most of Your Money
Making the Most of Your Money A Handbook for Young Adults Table of Contents Let s start from the beginning:.....................1 Creating a budget:.............................. 2 Budget Worksheet:.............................
More informationYOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE
YOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE GETTING YOUR FINANCES UNDER CONTROL NEEDN T BE A HEADACHE Help is at hand with these easy-to-follow tips for getting your finances in shape. Whether
More informationKEEPING YOUR ELECTRICITY CONNECTED SYNERGY S FINANCIAL HARDSHIP POLICY
KEEPING YOUR ELECTRICITY CONNECTED SYNERGY S FINANCIAL HARDSHIP POLICY If you don t speak English and need help with this guide, call (TIS National) on the telephone interpreter service 13 14 50 to arrange
More informationToolkit 2 Borrowing Wisely
Toolkit 2 Borrowing Wisely Questions to Think About Before Borrowing Borrowing money is not necessarily a bad thing and done sensibly it can be a good investment for your future. Some good reasons to borrow
More informationTABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
More informationThe Secret of the Lion
The Secret of the Lion Pay yourself first, live off the rest THE SECRET OF THE LION The lion eats first, ahead of the pack. You too should eat first by arranging an automatic deduction from your salary
More informationPAUSE AND THINK BEFORE YOU BORROW
PAUSE AND THINK BEFORE YOU BORROW Short-term loans can help you out of a hole when the unexpected happens and you just don t have enough money to cover the essentials this month. The trouble is, if you
More informationThe days ahead or the daze ahead?
The days ahead or the daze ahead? We all have big dreams and goals in life. Working to achieve them is what makes life a journey. Smart borrowing can help us reach some of those dreams of tomorrow like
More informationHello. Classic Classic Plus
Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.
More informationWebinar: Home Energy Emergency Assistance Scheme (HEEAS) 4 November 2015
Webinar: Home Energy Emergency Assistance Scheme (HEEAS) 4 November 2015 If you are having audio problems please call 07 3004 6950 and enter the code 1234 to listen to the audio on your phone. If you
More informationPFIN 7: Buying Decisions 45
PFIN 7: Buying Decisions 45 7-1 Buying Plans OBJECTIVES Explain the advantages of using a buying plan. List the steps of a buying plan. Set criteria for selecting one item over another to buy. Explain
More informationIntroduction Slide SET. Host Organization s Name July 30, Business Smart is a business education series developed by
Introduction Slide Business Smart is a business education series developed by SET Host Organization s Name July 30, 2015 1 Business Smart Workshop 3 Modules READY SET GO 2 Today s Presenter Add Name of
More informationTaking Control of Your Money. Using Credit Wisely
Taking Control of Your Money Using Credit Wisely Session 4: Using Credit Wisely To help you stay financially healthy you need to understand credit. Credit is access to money that belongs to lenders (e.g.
More informationFlexStudent. How to use your account Plus the FlexStudent terms and conditions. Building Society
FlexStudent How to use your account Plus the FlexStudent terms and conditions Building Society What is this leaflet for? In this leaflet, you ll find information on how to use your FlexStudent account,
More informationYOUR GUIDE TO BUYING A HOME.
YOUR GUIDE TO BUYING A HOME. CONTENTS Why partner with CommBank? 4 Your home buying journey 6 Step 1: Set your goals 8 Step 2: Work out what you could afford 12 Step 3: Get ready to buy 15 Step 4: Find
More informationPERSONAL LOANS EASY AND AFFORDABLE. Product Information Brochure. Effective from 1 February 2016
PERSONAL LOANS EASY AND AFFORDABLE Product Information Brochure Effective from 1 February 2016 1 2 This brochure provides information about our personal loan products and is intended to help you decide
More information2018 DollarWise Summer Youth Contest Study Guide
2018 DollarWise Summer Youth Contest Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest. During the
More informationOur hardship policy. Victoria. This policy s available to all Victorian residential energy customers with an active Origin account.
Our hardship policy Victoria This policy s available to all Victorian residential energy customers with an active Origin account. The Energy Retail Code, which sets out retailers obligations and minimum
More informationTips for First-Time Homebuyers
Tips for First-Time Homebuyers If you re just beginning the process of financing your first home, you might be unsure of all the costs or the decisions you ll have to make eventually. Months before applying
More informationBanking Basics 101. How to Manage Your Finances and Still Have Money Left Over For a Night Out. Course objectives learn about:
Banking Basics 101 Course objectives learn about: Using a checking account Various types of payment vehicles Benefits of a savings account How to Manage Your Finances and Still Have Money Left Over For
More informationSynergy s Financial Hardship Policy. Keeping your electricity connected
Synergy s Financial Hardship Policy Keeping your electricity connected If you don t speak English and need help with this guide, call (TIS National) on the telephone interpreter service 13 14 50 to arrange
More informationyour guide to HOME INSURANCE
your guide to HOME INSURANCE Those garden chairs and table that you paid so much for. That mountain bike you re so proud of. Or maybe it s the ipad that gets left lying around the house. Whatever you choose
More informationHelp from. MY Money MY Choice. New Charter. Ways to pay your rent. Rechargeable Repairs. 2nd Generation Furnishings
QUIZ: 100 supermarket vouchers of your choice to be won KEEP ME HANDY! MY Money MY Choice ISSUE 1 January 2015 Your 12 month guide on how to make the most of your finances Ways to pay your rent Help from
More informationSelecting the right loan type It is personal
Personal Loan Guide Advertisements that promise to help you solve your financial troubles can be seen everywhere today but one can still not be sure if these companies are safe to be considered. Even when
More informationPURCHASING A CAR. Latino Community Credit Union & Latino Community Development Center. Copyright 2016 Latino Community Credit Union
PURCHASING A CAR Latino Community Credit Union & Latino Community Development Center www.latinoccu.org BUILDING A better FUTURE Copyright 2016 Latino Community Credit Union Made possible by a generous
More informationProducts & Services. Enabling our members to secure their financial future and realize their dreams.
Products & Services Enabling our members to secure their financial future and realize their dreams. MEMBERSHIP FedEx Employees Credit Association membership is available to employees and retirees of the
More informationYOU work hard to earn your money. Make it work for YOU!
YOU work hard to earn your money. Make it work for YOU! I raised my credit score by 100 points and saved on my car loan. We paid off our high-interest payday loan and started an emergency fund. I used
More informationElectronic Payment Card Program Frequently Asked Questions
1. What is the new Visa Electronic Payment Card? The Visa Electronic Payment Card (EPC) is a safe and secure method for payment of weekly Unemployment Insurance benefits. It can be used to get cash from
More informationMaking cards work for you. A public education campaign brought to you by MasterCard
Making cards work for you A public education campaign brought to you by MasterCard At school or work paying bills, renting an apartment or shopping for a new car, you need to know how cards save you money
More informationUSaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More informationENGIE Prepayment. A Guide to your prepayment meter
ENGIE Prepayment A Guide to your prepayment meter 1 An introduction to prepayment Welcome to prepayment from all of us here at ENGIE. This guide is here to give you lots of information about prepayment
More informationActivity: Blockbusters
2. Classroom Activities Activity: Blockbusters 67 Activity: Blockbusters Academic level: This activity is suitable for all levels. Time needed: 30-45 minutes Aim: The aim of this exercise is to find out
More informationThe Cash Flow Challenge
A financial surplus is the absolute foundation of financial peace of mind. The power of a surplus and the sense of security it brings will surprise and delight you! By taking every opportunity to save,
More informationWarehouse Money Visa Card Terms and Conditions
Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to
More information2017 DollarWise Summer Youth Contest Final Quiz Study Guide
2017 DollarWise Summer Youth Contest Final Quiz Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest.
More informationMoney Matters Guide. A guide to setting up and managing a home. Useful information Please keep safe. Tenant Aftercare Guide
Money Matters Guide A guide to setting up and managing a home Useful information Please keep safe Tenant Aftercare Guide Contents Page Setting up the Essentials Who to Tell When You Move In 1 Rent 2 Council
More informationBasics of Banking. What Are Banks, Anyway? Types of Financial Institutions. Table of Contents
Basics of Banking This information is provided to you as a courtesy and does not constitute financial, tax or legal advice. Information provided in the financial modules may not be current and/or up to
More informationGetting to know your employer s retirement plan
Getting to know your employer s retirement plan It s About You If you re the independent type, you can do your own thing. If you want some help, tools are available to assist you. Confused about investing?
More informationHow to Strategically Manage Your Debt
Debt. Funny how four little letters can feel so dirty. Most of us have it in one shape or another, but none of us like to talk about it. Debt can get us into trouble, especially if it is unplanned and
More informationWeek 2. A Tale of Two Plans: Spending and Saving
Week 2 In this Edition: A Tale of Two Plans: Spending and Saving Do you know where all your money goes? Do you know your income? Does your income cover your expenses or do you feel like you could always
More informationWorkplace pensions - Frequently Asked Questions
Workplace pensions - Frequently Asked Questions This leaflet answers some of the questions you may have about workplace pensions. Q1. Is everyone being enrolled into a workplace pension? Q2. When will
More informationThe seven worst retirement mistakes. The Age Pension explained .95
Retirement Update 2 o 16 The Age Pension explained ISSUE 8 ed u l a V at.95 $6 January 2016 The seven worst retirement mistakes AGE PENSION INCOME TESTS PAYMENT RATES WORK AND THE PENSION CONCESSION CARDS
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationMoney. 1 Numeracy and mathematics glossary. Terms Illustrations Definitions. Affordability
Terms Illustrations Definitions Affordability ATM Available balance Discussing if you can afford an item e.g. You have 5p, the apple is 8p, can you buy it? The toy is 2.50 and the tshirt is 4.30. You have
More informationWe take on the world so that you don t have to. Your welcome brochure
We take on the world so that you don t have to Your welcome brochure 2 The new HSBC Advance Bank Account designed with your needs in mind. Even the most personal ambitions are rarely achieved alone. Your
More informationYOU RE. WORTH MORE with. Your Guide to Financial Success
YOU RE WORTH MORE with Your Guide to Financial Success FOR EVERY DAY. FOR EVERY THING. Questions? Visit www.americu.org, stop by your local AmeriCU Financial Center, or call our Member Service Center at
More information10 Errors to Avoid When Refinancing
10 Errors to Avoid When Refinancing I just refinanced from a 3.625% to a 3.375% 15 year fixed mortgage with Rate One (No financial relationship, but highly recommended.) If you are paying above 4% and
More informationFAQ. Jump to. How does one Finch? Signing Up. Pay and Request. Tabs. Bank Transfers. Bank Account and Cards. Account Settings and Security
FAQ How does one Finch? Jump to Signing Up Pay and Request Tabs Bank Transfers Bank Account and Cards Account Settings and Security Signing Up Having trouble getting started? Where can I sign up? You can
More informationThinking of trading contracts for difference (CFDs)?
Thinking of trading contracts for difference (CFDs)? This guide from the Australian Securities and Investments Commission (ASIC) can help you assess the risks of CFDs. How this booklet can help you Contents
More informationHow To Sell Your House FAST - Quick Sale
How To Sell Your House FAST - Quick Sale Tips for selling your house fast Presented By: Firstname Lastname Phone: (469)-573-4965 Page 1 Page 2 In today's real estate market, more houses are sitting on
More informationHome and Investment Loans
Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654
More informationc» BALANCE c» Financially Empowering You Credit Matters Podcast
Credit Matters Podcast [Music plays] Nikki: You re listening to Credit Matters. Hi. I m Nikki, your host for today s podcast. In today s world credit does matter. In fact, getting and using credit is part
More informationTHE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
THE AURUM COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your AURUM company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS TO HELP
More informationYOUR MONEY, YOUR GOALS. A financial empowerment toolkit
YOUR MONEY, YOUR GOALS A financial empowerment toolkit Consumer Financial Protection Bureau December 2016 About the Consumer Financial Protection Bureau The Consumer Financial Protection Bureau (CFPB)
More informationsteady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Low Fee Mastercard or Air New Zealand Airpoints Standard Mastercard
Ready, steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Low Fee Mastercard or Air New Zealand Airpoints Standard Mastercard Important information Your Air New Zealand Airpoints
More informationOverdraft Education Practice & Reference Materials
Overdraft Education Practice & Reference Materials 2013 IN-Focus Digital Booklet Instructions 2 This booklet is designed for use with the Overdraft Education Workshop video. Any unauthorized use is prohibited
More informationCredit Card Basics.
Credit Card Basics http://www.nbc.com/saturday-night-live/video/dont-buystuff/n12020 Silly seems obvious! In reality, it is EASY to get caught up with credit card debt Seems like it s free money and it
More informationUnderstanding Money. Money 101. Money 101 What is debt? Savings and Investments
Understanding Money Money 101 What is debt? Savings and Investments Money 101 Let s face it, you need money. To get it, you will need to earn it. How much you need depends on where you live, your expenses,
More informationWorkplace pensions Frequently asked questions. This leaflet answers some of the questions you may have about workplace pensions
Workplace pensions Frequently asked questions This leaflet answers some of the questions you may have about workplace pensions July 2013 Page 1 of 16 About workplace pensions Q1. Is everyone being enrolled
More informationA Tale of Two Plans: Spending and Saving
A Tale of Two Plans: Spending and Saving Do you know where all your money goes? Do you know your income? Does your income cover your expenses or do you feel like you could always use more money to cover
More informationWORKPLACE SAVINGS GUIDE
WORKPLACE SAVINGS GUIDE START HERE. We understand that pensions can be confusing and difficult to understand. That s why we ve created this guide, to explain to you how they work and why they re so important
More informationPay As You Go Meter Statement
Pay As You Go Meter Statement A Pay As You Go meter (or Prepayment meter) A meter that lets you pay for your electricity and gas in advance. You can buy credit at hundreds of Post Office branches or PayPoint
More informationFREE MONEY ROADMAP. Money Goals Worksheet & Personal Finance Glossary. Copyright 2018 Double Jacks Media, All Rights Reserved
FREE MONEY ROADMAP Money Goals Worksheet & Personal Finance Glossary A Little About Liz: I'll have the wine! Hey there! That's me, Liz. And I created this workbook to help you get started understanding
More informationNEIS Business Insurance Checklist. Produced by BizCover July 2018
NEIS Business Insurance Checklist Produced by BizCover July 2018 NEIS Business Insurance Checklist YOU HAD A GREAT IDEA FOR A NEW BUSINESS. YOU VE PUT COUNTLESS HOURS AND BUCKET LOADS OF EFFORT INTO CREATING
More informationCAN you get more from your money? MAKE smarter decisions? AVOID expensive mistakes? Your money
CAN you get more from your money? MAKE smarter decisions? AVOID expensive mistakes? Your money How can this booklet help you? This booklet can help you: Key tips for managing your money Use your money
More informationUNDERSTANDING BUSINESS CREDIT
YOUR GUIDE TO UNDERSTANDING BUSINESS CREDIT POOR YOUR BUSINESS CREDIT PROFILE GOOD SPONSORED BY UNDERSTANDING YOUR PERSONAL CREDIT PROFILE Every small business owner has two credit profiles: 1. Your personal
More informationABOUT FREEDOM CLUB ABOUT DR. TONY
1 ABOUT FREEDOM CLUB The Freedom Club is a mentoring and coaching program designed to guide you along the path to Financial Freedom. The Freedom Club is also a place where like-minded people can associate
More informationMONEY. Of course, going to college means. Managing Your Money CHAPTER 3. Watching everyday spending
CHAPTER 3 Managing Your Money MONEY Of course, going to college means attending classes, writing papers, and taking exams. But making money choices also is an important part of your college life. Good
More informationLife Insurance Buyer s Guide
Contents What type of insurance should I buy? How much insurance should I buy? How long should my term life insurance last? How do I compare life insurance quotes? How do I compare quotes from difference
More informationPersonal & Car Loans Effective August 2017
Personal & Car Loans Effective August 2017 Personal & Car Loans A Personal or Car Loan from Australian Military Bank gives you the freedom to buy that new car or motorbike, take a muchneeded holiday, tackle
More informationSTOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN
STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN 1. This free report will show you the tax benefits of owning your own home as well as: 2. How to get pre-approved
More informationProvident Financial Workplace Pension Scheme for CEM and CAM
Provident Financial Workplace Pension Scheme for CEM and CAM Frequently Asked Questions This document answers some of the questions you may have about the company s workplace pension scheme with NEST.
More informationHomeowner Education Program. Finance Seminar
1 Homeowner Education Program Finance Seminar Table of Contents OVERVIEW... 5 Introduction... 6 PART 1: UNDERSTANDING YOUR PERSPECTIVE ABOUT MONEY... 7 Your Financial Health Where are you at?... 8 Steps
More informationCREDIT SCAMS CHOOSING THE BEST OFFER ASK SAM. Dealing the Cards of Credit WHICH CARD FOR ME? PROTECTING YOURSELF TALKING ABOUT CREDIT KEEPING CLEAR OF
TEEN GUIDE www.moneytalks.ucr.edu WHICH CARD FOR ME? PROTECTING YOURSELF KEEPING CLEAR OF CREDIT SCAMS CHOOSING THE BEST OFFER TALKING ABOUT CREDIT ASK SAM Dealing the Cards of Credit A first credit card
More informationPilbara electricity and water services Robe River Mining Co Pty Ltd (ACN )
Pilbara electricity and water services Robe River Mining Co Pty Ltd (ACN 008 694 246) Financial hardship and payment difficulty policy Contents Our commitment 3 Financial hardship 4 How we can help 4 Reducing
More informationPERSONAL LOANS PRODUCT INFORMATION BROCHURE. Effective from 1st August 2018
PERSONAL LOANS PRODUCT INFORMATION BROCHURE Effective from 1st August 2018 a division of Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244533 1 PERSONAL LOANS
More informationMONEY 101. An MIT Student s Guide to Financial Wellness. Your guide and online resource to answer the questions you have about financial wellness.
MONEY 101 An MIT Student s Guide to Financial Wellness Your guide and online resource to answer the questions you have about financial wellness. FAQs and Tips on: 1. The Value of Credit Union Membership
More informationEmory University Pre-departure Training. Preparations
Emory University Pre-departure Training Preparations 1 Passports and Visas Confirm your passport is valid for the duration of your travel. Some countries require six months of validity beyond the date
More information5 Biggest Mistakes Most Home Buyers Make
5 Biggest Mistakes Most Home Buyers Make And 3 Guaranteed Ways to Get Approved for a Home Loan This Complementary Special Report was prepared by: 2 5 Biggest Mistake Home Buyers Make Purchasing a home
More informationFirst Timer s Guide: Credit Cards. Used the right way, your credit card can be your new financial BFF.
First Timer s Guide: Credit Cards Used the right way, your credit card can be your new financial BFF. Like most things, with great power comes great responsibility. And credit cards are no different. Used
More informationCONGRATULATIONS. You re a homeowner.
CONGRATULATIONS. You re a homeowner. Our Vision All low-and moderate-income residents in Connecticut live in an affordable, safe, quality house or apartment. Dear Homeowner, Congratulations on becoming
More informationBanking YourMoneyCounts
Banking YourMoneyCounts As one of the world s leading financial services companies, HSBC is proud to support our communities. Our long history of providing financial education continues today, through
More informationuse credit wisely improve your life and realise your dreams
use credit wisely improve your life and realise your dreams contents Signs you may have credit issues Spot the 5 signs of bad credit and take control of your money again. 02 What to ask before buying a
More informationHow to Find and Qualify for the Best Loan for Your Business
How to Find and Qualify for the Best Loan for Your Business With so many business loans available to you these days, where do you get started? What loan product is right for you, and how do you qualify
More informationGUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT
GUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT FINANCIAL GUIDE Green Financial Advice is authorised and regulated by the Financial
More informationProperty Settlement Workbook
Property Settlement Workbook This workbook can help you work out who should get what after you separate. Disclaimer The guidance provided in this workbook is not legal advice, it is information only. This
More informationRetirement Planning Newsletter Spring 2015
Retirement Planning Newsletter Spring 2015 Notice something different? The retirement services business of Great-West Financial has a new name Empower Retirement! Our goal is to help you replace for life
More informationPreparing to buy your first home?
Preparing to buy your first home? Buying your first home is an exciting journey! However, when you re at the beginning of your home buyers journey, you may be confused about to where to start and worried
More informationMODULE 7: Borrowing Basics PARTICIPANT GUIDE
MODULE 7: Borrowing Basics MONEY SMART for Adults SEPTEMBER 2018 The Federal Deposit Insurance Corporation is an independent agency created by the Congress to maintain stability and public confidence in
More informationTake control of your auto loan
Take control of your auto loan A step-by-step guide Consumer Financial Protection Bureau How can this guide help you? While many people shop around for the best deal they can get on their vehicle, not
More informationCHECKING 101 EDUCATION. Practice & Reference Material
CHECKING 101 EDUCATION Practice & Reference Material BOOKLET INFORMATION Thank you for your willingness to learn more about managing your checking account and how to better use the tools Armed Forces Bank
More informationThe ultimate guide to. taking your car to university
The ultimate guide to taking your car to university All you need to know about taking your car to university So you re off to uni and you re lucky enough to have your own car the question is, should you
More informationPrepayment Meters all you need to know
Prepayment Meters all you need to know What you'll find in this guide What are prepayment meters? Setting up your meter Topping up Electricity and gas meters Your electricity meter screens Your gas meter
More informationWHAT HAPPENS IF I DON T PAY
LESSON 7 WHAT HAPPENS IF I DON T PAY THE LESSON IN A NUTSHELL Not paying your bills has consequences. Even when you re late, pay as soon as you can. Overview...2 Activity #1: You ve Been Pre-Approved!...
More information