Tagged With personal finance

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One of the best things about apps is their affordability. Often, mobile apps can do things that desktop or web-based software and service can, but at fractions of the price. Even in-app purchases and monthly subscriptions for premium versions of some apps are usually minuscule—often no more than a cup of coffee.

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Few people want to consider what might happen after the death of a spouse, but it’s an inevitability that many of us will have to prepare for — and for widows or widowers who aren’t prepared, the period immediately after a spouse’s death can be a financial nightmare.

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With all the announcements on tax over the past few days it’s hard to keep track. So here goes. A year ago the then treasurer Scott Morrison unveiled a “seven year personal tax”.

Some of it involved tax cuts way out into the future, in 2022 and 2024, with which we needn’t concern ourselves – there’ll be two, maybe more, elections before then. The bit that was to start in mid 2018 (and did) wasn’t a tax cut at all, strictly speaking. It was an “offset” with an ungainly name: LMITO – the Low and Middle Income Tax Offset.

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Of the many, many articles I’ve read and written about setting goals over the past few years, the one thing that’s stuck with me, that’s worked in my own life, is to focus on small actions you can accomplish today.

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We have more details on Apple’s forthcoming credit card with Goldman Sachs following this week's Apple event, and if you were hoping for a rewards card that changes the game, well, this isn’t it.

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Much like a pair of budgie smugglers, there's no one-size-fits-all credit card. What provides adequate coverage and comfort for one person might be totally unsuitable for somebody else.

A credit card that doesn’t suit your spending habits won't offer you the most value. Here are the warning signs to watch out for.

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Today, Apple officially announced the launch of its own credit card range in partnership with Goldman Sachs. The card is set to be paired with new Apple Wallet features that will allow cardholders to “set spending goals, track their rewards and manage their balances.” But should anybody sign up?

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Instagram launched Checkout on Instagram this week, which makes it possible for users to buy products without leaving the app (before, users could click on a product, and would be directed to the retailer’s website to complete the purchase).

In other words, it’s all too easy to impulse-buy a new sweater or pair of heels off of Instagram. So if you’re trying to cut back on discretionary spending, there are a few steps you should take.

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The key to saving, as everyone knows, is to spend less than you earn. So simple! But how do you get your spending under control when there are countless things you can spend money on?

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When you’re working full time, you can track your spending and make a budget using percentages of your income to try to get a handle on what you can truly afford. But thinking in terms of monthly or even weekly allotments of money isn’t necessarily the most effective way to think of your dollars.

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When you’re on a quest for self-improvement, there are countless books, apps, methods, etc., out there that promise to “fix” you, or help you become the best you you can be. Bullet journals, meditation apps, yoga studios, books promising to help you “get your shit together” — there’s no shortage of products, services and experiences to buy in our culture.