Money Tips

Its that time of year when university students are settling into their routine and many are wondering how to make ends meet financially with so many expenses including text books, parking permits and other costs of starting the new academic year.

Getting a part time job is part of the experience for many students and it can be difficult to work out what is the right job for you during your student years.

• 163 comments
• Read more

With Christmas now less than six weeks away you may be wondering just where to start with the festive season.

To get you through the festive season without a credit card hangover, follow my 10 step plan of attack. If like most of us you get paid monthly then chances are you now only have one more pay day before Christmas, scary thought isn’t it.

• 160 comments
• Read more

Buying your first mobile phone can be a daunting experience. If you already use one then the chances are that Mum and Dad organised it all the first time around and you didn't have much say. Now you get to make the choice and its hard to know where to start.

If you are still a student then you may have limited income which needs to be considered when making your decision. Yes it would be great to have the latest and coolest mobile but you need to consider whether you want to spend all of the money coming in to your bank account on your mobile bill each month.

• 381 comments
• Read more

I often get asked whether you should take up the zero% or low interest rate credit card balance transfers to help pay off your credit card earlier.

The theory is to choose a card with a zero/low interest rate, pay as much off as you can in the initial period, often 6 months and then transfer the remaining balance to another card and to keep doing this until your total debt is paid off in full.

While this sounds great in theory there are a couple of things to keep in mind if you are doing or thinking of doing this.

• 64 comments
• Read more

Many people have at some stage used the envelope system to help manage their money and for good reasons, its easy and it works.

Now that most people get paid directly into their bank accounts the envelope system has lost some of its appeal but the system still works the same and really is quite effective.

If you want to manage your money a bit better than you are right now then I suggest you try out the envelope system to see if it works for you.

• 115 comments
• Read more