Tagged With budget

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There's no shortage of budgeting apps out there, but sometimes, rather than futzing with categories, charts, graphs and daily alerts that you're over a pre-set budget or have "irregular spending" in a certain category, you just want something simple to track the money you're spending.

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Should you pay off debt, or save for a rainy day? Knock out some of your HECS debt, or put some extra money toward your credit card debt? Focus on your savings account, or save for retirement?

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Budget night is fast approaching - which means we're about to find out who'll get squeezed for more taxes. Personal incomes tax cuts are on the agenda, but they aren't expected to amount to much for individual Aussies. As ever, some people will feel the pinch more than others. Here's how the current projection compares to the tax rates of previous governments.

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Do you feel as though your social life is out of control? Maybe you (or your kids) have events every evening, when all you want to do is spend a quiet night at home. Maybe you feel like you're spending too much time "touching base" and "picking brains" with people you aren't close to, and not enough time with your friends. Maybe your in-laws want you to spend every Sunday having dinner with them, and you... don't.

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The holidays cause some anxiety in my house: My husband and I are both somewhat undisciplined in our spending, and previous Januaries have arrived with credit-card bills so disturbingly large that I've wondered if we were in the grip of some kind of eggnog-induced mania. This holiday season is different, however: Last January I vowed to get my financial life in order and teach my kids about sensible money management, and it's gone pretty well. For the first time, this Christmas we've actually budgeted a sensible amount for gifts and festivities.

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The holidays are an expensive time for everyone - holiday travel, gifts, food, booze and festive clothes can break the bank for even the most frugal. But December can be especially financially brutal for single people, says Carey Purcell, writing for the Washington Post. This is in large part because single people are generally shouldering their living expenses alone, rather than splitting them with a partner, which obviously reduces their disposable income at holiday-time. But, as Purcell points out, it's also due to differing expectations for singles than for partnered people.

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Being broke sucks, and it's even worse when the world thinks you're broke because you spend too much on luxuries. When you're struggling to get by and you've cut your budget to its bare minimum, avocado toast is the last thing on your mind. You are, however, often tempted to just give up and spend frivolously. Here's a tip on how to keep your spirits up.

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Last night, the Federal government unveiled their budget for the coming year. The old days of "smokes are up, beer is up" are well behind us with the government's economic centrepiece now a collection of promises and wishes that are meant somehow to make us feel better about today and have confidence in tomorrow. This year, there were plenty of tech angles in the budget. Here are my five highlights.

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Australians toss out thousands of dollars in unused food every year. One of the simplest ways to save money on groceries is to make sure you're not wasting food. To avoid this problem, personal finance site Clark.com suggests keeping a list of stuff you toss.