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11 Brilliant Audiobooks That Can Boost Your Financial IQ

Whether you’re looking for ways to fix your budget, start a business or to change your financial mindset, the best finance books can help you do just that. But sometimes there isn’t enough time to sit down and read or you may lose a copy of your book. Fortunately, audiobooks provide a convenient way to read books when you still need your eyes and hands, perfect if you are traveling or cooking. The biggest benefit? Potentially learning new ways of managing your finances and creating a better future for yourself. Below are some audiobooks that we hope will help you achieve a more secure financial future. 1. “Think And Grow Rich” by Napoleon Hill Top of the list is Napoleon Hill’s Think and Grow Rich, which is considered a “must-read” classic finance and self improvement book. Although originally published in 1937, its principles and education remain as relevant today as…

8 Ways to Find the Cheapest Flights in Australia

Are you planning your next holiday or have some annual leave that you’re itching to take? If you’re in search of cheaper flights, we may have just what you’re looking for! Whether the purpose of your next trip is for business or pleasure, whether you’re thinking of a family getaway to the Gold Coast, enjoying the nightlife in Sydney or travelling to the Barossa, some websites may be able to help you find cheaper flights easily. Here at Credit Savvy, we’ve found a few sites that we hope will help you find some cheaper flights next time you’re travelling in Australia. Ready to find cheap flights in Australia? Let’s check it out below. Google Flights Don’t be fooled by the simple design of Google Flights, as it’s a powerful tool for searching both domestic and international flights. With Google Flights you can search for one-way, return, and even multi-trip tickets as well as specify which…

How to Beat the Xmas Debt

It sometimes seems that the festive season is tailor-made to get us overextending ourselves and setting us up to start the New Year on the back foot. Whilst you can’t undo what has happened, you can take steps to get back on top of things. Survey the situation We all know that the festive season is full of out of the ordinary expenses but take some time to look through your statements and identify where the money went. Of course a fair amount of it might have been on gifts but were there other expenses such as extra nights out, travel to see the relos, the extra groceries bills for all that festive food! In any case, take time to understand what your regular expenses were and what the extra Xmas debt is that you need to tackle. Re-budget To get back on an even keel you may need to…

I did a 30 day money challenge and survived

Now, I think I’m pretty good with money. I’m not in debt and I always have cash left over each month to put into my savings. I’d like to rate myself a solid above-average when it comes to money management. But as a twenty-something, living in Sydney and trying to save up for a home deposit, I wondered if there was anything I could do to turbo charge my savings. Here’s where my 30 day money challenge came in. Yes, I could have done this for a whole year, but I’m Gen Y and afraid of commitment, so 30 days it is! My money challenge was very simple: spend less, save more. What could go wrong? The first thing I did was look at where I was keeping my money. My transaction account, where my paycheck is deposited, doesn’t have a monthly account keeping fee or ATM withdrawal fees, so…

Australia’s Seasonal Shopping Habits Revealed

Our recent Credit Savvy survey has revealed that Aussies are split down the middle when it comes to spending at this time of year[1]. Just over half of us (54%) don’t set a budget for the holiday season and one in three spends more than they can afford during this time. The credit hangover appears to linger into the New Year, with nearly a quarter (22%) of us taking three or more months to recover from overspending. In fact, one in five Aussies are nervous about the impact of holiday spending on their credit score. On the other hand, 52% save during the year specifically for the holiday season, and just 7% of us take out a new credit card to pay for spending during this period. When it comes to paying for our purchases, it might surprise you to learn that cash is king, with most Aussies paying for…