Free wifi – why you should stop using it now

Why you should stop using public wifiFree public wifi is readily available and very popular these days, but there are some dangers involved in using it.

We take a look at those dangers, the potential costs to you and your privacy, and what you can do to mitigate any potential threats.

The situation

More and more businesses are offering free wifi as a way to entice customers – McDonalds offers it in most of their restaurants, food courts are starting to offer it, even small corner cafes are making it available to their customers.

And in towns and cities throughout Australia, some councils are offering it free in selected areas.

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Posted in Protect Your Money

What is inflation and how does it affect your money

Scrabble letters spelling out  Inflation

Have you ever wondered what inflation is and how it affects you?

Do you wonder why goods and services seem to be getting more expensive, and why prices increase over time?

If so, read on.

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Posted in Banking Education, Better Living

What The Big 4 Banks Own

The Big 4 Banks have, over the last few years, been buying up big in the name of expanding their market share within Australia.

Don’t be fooled into banking with the Big 4 when you thought you were supporting another financial institution.

Infographic: What The Big 4 Banks Own

The Take-Aways

  • 9 out of 10 new mortgages signed in Australia are with the Big 4 banks!
  • Commonwealth Bank owns Bankwest and a 80% share of Aussie Home Loans
  • NAB owns UBank and Choice Home Loans
  • ANZ owns One Path (formally the Wealth Management arm of ING Australia)
  • Westpac owns St George Bank, Bank SA, Bank of Melbourne and Rams Home Loans.

Were you surprised by this infographic?

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Posted in Better Living

Don’t overspend this Christmas

Christmas decorations in a mall

Christmas is all about family, friends and over-indulging, but this can lead to over-spending.

There are ways to make sure you don’t over-spend however, which are both simple and effective.

Set a (realistic) budget

The first thing you should do is to think about how much you want, or can afford, to spend over the Christmas period. And this should include everything from gifts, to the food you are planning on consuming.

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Posted in Saving Money

How to reduce or eliminate your bills

Close up on an electricity bill

Bills are expensive. And they seem to get worse each month. Personally, they account for about 20% of my total income. That’s one dollar in every five which goes towards a bill. That’s too much!

Your say: What percentage of your income goes on bills? Let us know in the comments below.

So, trying to reduce or eliminate as many bills as possible can be a smart way to lower your costs and have more money for yourself.

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Posted in Saving Money


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Unless otherwise noted, no-one who writes for is a financial adviser and no personal recommendations are implied or made. We recommend you seek professional financial advice before applying anything you find on this blog to your own circumstances.