I know you’re sick of me always saying you need to constantly shop around for the best deals on everything. But it’s so important. Those who have been following me for a while know my wife Libby is the world’s best when it comes to household finances… she has managed ours ever since we were… Read more »
Everyone wants to get the best possible interest rate from their bank. And this is the best home loan bargaining tool you’ll ever get. Okay, listen up if you have a home loan or know someone with a mortgage. I constantly encourage you to negotiate with your financier to get a better deal, to ask… Read more »
Instead of just accepting the current wave of repayment increases from your bank, it can be really worthwhile to look around for a better deal and refinance. And lots of people are doing just that. A record breaking $18.88 billion of loans were refinanced in August, while $201 billion worth of home loans have switched… Read more »
We’re exploring different ways to get on top of your spending. This week, we invite you to take on the Negotiation Challenge. The Negotiation Challenge is a really simple one. You simply commit to phoning every supplier you do business with to ask for a better deal. It’s not hard to do, but the challenge… Read more »
If the boss knocks back your request for a pay rise, here are some non-cash benefits to ask for instead. I’ve talked about how to ask the boss for a pay rise, but it can be a long shot in the current climate. Many businesses are rebuilding after being financially decimated by lockdowns. That doesn’t… Read more »
Asking your boss for more money isn’t a casual conversation. Instead, to get that pay rise, you need a careful plan and strategy. It is a delicate time right now. Most bosses have been through almost two years of financial hell with lockdowns sending many of them broke. If they’ve survived they are trying to… Read more »
Take these steps to cut your insurance premiums and you’ll probably save a fortune too. Monday morning this week I set some time aside to look at all the insurance our family is paying each year. I was inspired by articles like this one and this one. On the one hand, I wanted to make… Read more »
If you want to reduce your home and contents insurance premiums, you need to know exactly what you’re insuring. First up, when’s the last time you had a wander around your house and assessed the value of what’s inside? The carpets, curtains, electronics (TVs, computers, home entertainment etc), furniture, clothes… fill in the blanks. Now… Read more »
There’s a revolution under way in commerce. Within five years, consumer data rights will have transformed competition and simplified the way we live. Yet most of us know little about it, or think it’s restricted to banking. It’s the brainchild of former Productivity Commission chief Peter Harris and Scott Morrison when he was treasurer. The Productivity… Read more »
Would you believe that according to figures from the Reserve Bank, Aussies paid $3.56 billion in personal bank fees last financial year? That equates to around $364 per household in bank fees a year. The good news is we’re wising up to the bank fee rorts – these amounts were 10 per cent down on… Read more »
