Saving

STORE WARS

Winners and losers in trolley wars

David Potts   Competition is making life tough for the big players but it’s a boon for shoppers.

RATINGS

Credit scores poor in the heart of the city

People living in the inner cities have poor credit ratings.

John Collett   Inner Sydney and inner Melbourne are among the worst regions in Australia for poor credit records.

SAVING

Curbing the urge to splurge

Shoppers need discipline to forgo buying at sales when others are spending up large.

Christine Long   It might be a bit late to start No Buy July – but the lessons learnt can help everyone spend more mindfully.

OFFSHORING

Nice day at the office?

Owner Luke McAllister joins his colleagues by the pool of his co-working space Salty Volt in the Balinese surfing town of Canggu.

Larissa Ham   Many of us can now do our work from wherever we choose. So why not do it from somewhere with warm temperatures and a low cost of living?

HAMMER TIME

Grab yourself a wheel bargain

Sal Bua, of Sydney, and his partner, Susana Montero, (with Bix the dog)  replaced their Toyota RAV4 with a later model of the same make bought at auction.

Sylvia Pennington   Motorists prepared to buy a second-hand vehicle under the hammer can score serious savings – or find themselves behind the wheel of a lemon, with no recourse.

RISE AND SHINE

Smart larks make a dawn start

Those who rise early tend to feel more ready to tackle tasks head on.

David Wilson   Research suggests early risers earn more. What's their secret?

THE MOTLEY FOOL

Motley Fool: Use a points plan for new year health check

Your finances need regular health checks as much as your body does.

Scott Phillips   The start of the new financial year is a good time to see how your finances are faring.

CHANGE UP

How to change your life in a month

Make one change a day and you could reap big rewards.

Christine Long   If you really put your mind to it, there's a lot you can achieve with your finances in a few weeks.

INSIGHT

Ensure fees don’t come at a premium

There are ways you can have all your cake without your insurance adviser taking a slice in commission.

Nerida Cole   Insurance without commission sounds too good to be true - but you just need to know how to get it.

FAMILY PLANNING

Parents are to blame for Sponge Society

Teach children good habits while they are young.

Michelle Hutchison   They have fled the nest but are still being spoon-fed. And it's not helping them.

INSIGHT

Savers say deposit accounts are best option

Perceived as super-safe: bank deposits topped a recent survey on wise investing.

Clancy Yeates   Interest rates on bank deposits are miserable, but apparently the humble savings account is as popular as ever.

TIP OF THE WEEK

Born to spend? Here's how to save

If you put money aside into a special account each pay day it makes saving for what you want a lot easier.

Alex Berlee   There is hope for those who like to splurge if they choose to whip their cashflow into shape.

Making the most of the current economy

MON00-Bouris
Mark Bouris.

Mark Bouris   I've been fielding questions lately about interest rates and the economy.

CASHLESS ECONOMY

Denmark plans change to moneyless shops

Denmark is planning to call time on cash in shops.

Alexander Tange   The Danish government is looking into getting rid of cash payments in shops, moving the country closer to a "cashless" economy.

BUDGET NIGHT

What we can lose on Budget night - and what must stay

Nicole Pedersen-McKinnon

Nicole Pedersen-McKinnon   They've said the Budget will be 'dull'. That doesn't mean there won't be changes. Here's what might happen.

HOLIDAY MONEY

Tourists told to take hard cash to Greece

Don't rely on it.

Dan Hyde   Travellers heading to Greece are being advised to take their euros in notes and coins in case the escalating debt crisis prompts the country's banks to switch off their cash machines.

WELL-HEELED

Go the hacks to save funds

Small changes can make a big difference.

Melissa Browne   Smart or seemingly silly - these tips can help improve your finances.

HOLD TIGHT

Need a helping hand? Don't get sucked in

 

Christine Long   Some financial products that claim to ease your cares can send you even deeper into debt.

LOVE AND MONEY

Financial fix for wedded bliss

Newlyweds Kate and Josh Williams.

Kate Jones   Money differences are responsible for more break-ups than cheating, especially in the first year of a marriage. So what are the financial hurdles - and how do you clear them?

YOUR QUESTIONS

Can parents profit from property pass-the-parcel?

Passing a property back and forth? You'll still have to pay capital gains tax.

George Cochrane   Will splitting and resplitting property ownership work for their tax purposes?

YOUR QUESTIONS

Pensions a problem for older migrants

New Zealand citizens who have migrated to Australia face a complex set of rules to qualify for the Age Pension.

George Cochrane   What's the best course open to someone who wants to stay in the country she would love to call home?

WELL HEELED

Five numbers everyone needs to know

You must have this knowledge at your fingertips.

Melissa Browne   Whether you're running a business or a home, not knowing the financial facts can be a passport to disaster.

YOUR QUESTIONS

Saving up for the grandkids

Bequeathing money to grandchildren can prove a better bet than gifting it.

George Cochrane   With interest rates so low, what's the best strategy for setting up savings for a grandchild?

CARD SHARPS

Credit card rate rort nets $14m a month

Stacked: Collectively we owe $50.1 billion on credit and charge cards – and pay 0.52 per cent too much for it.

Nicole Pedersen-McKinnon   Rather than pass on the last rate cut, credit card lenders have made the lucrative move to lift interest charges, making $28m in the process.

SMART MONEY

Can money buy your kids a bigger brain?

A new study suggests that a family's socioeconomic status correlates with the surface area of children's brains.

Geoffrey Mohan   Scientists have proved that wealthier parents have cleverer children.

BACK TO BASE

Picking up the tab for Generation Boomerang

Like a well-thrown boomerang, they leave, then they return.

Sylvia Pennington   They’ve grown up and flown the nest – until they come back.

HOLIDAY SAVINGS

Chocolate on the nose as many look to keep Easter egg-spenses in check

Chocolate is not the only indulgence getting the flick this year.

John Collett   It's not just weight worries that have people kicking the chocolate habit this Easter. Christmas was expensive and, this holiday, they want to cut back.

High time to find out what you’re missing out on

MON00-Potts
David Potts

David Potts   Want to know if the banks are ripping you off? A new website will tell you.

Ten ways to get really cheap insurance

Nicole Pedersen-McKinnon

Nicole Pedersen-McKinnon   With health premiums set to rise it's a good idea to look at the big picture. Here's all you need to know.

BACK IT GOES

Return to vendor, if you can

You sometimes need to jump over hurdles when you try to bring things back.

Christine Long   A dress, unsewn is one thing but what if you’ve just changed your mind? We discover what you can take back – and what you get when you do.