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    Reasons for Debt in Australia

    So you've wound up in debt and you can't understand why? There are a number of common reasons for debt in Australia. It can happen to anyone and often, all it takes is one event to knock you off financial track. Once your finances fall off track, it can be incredibly difficult to get them right again.

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    Topics: Education

    How Do Banks Make Money?

    The Banking Royal Commission has revealed a series of scandals from the Big 4 Banks.  Craig Meller,  AMP's Chief Executive Officer, has resigned from his position with immediate effect. Known for making money through credit card interest and fees, banks are now under the microscope.

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    Topics: Education

    Bridging the Gap Between Women and Super

    One of the greatest financial challenges women still face today is that they are earning and retiring with less superannuation than men. According to the 2017 Hilda survey, the average superannuation balance for women at retirement was $230,907, with men retiring with twice this amount. The system benefits the higher earning 'working fathers' and the traditional social structure of the 80's and 90's, however society has since changed and there are more single mothers supporting their family solo. Fortunately, there are a number of ways women can grow their super and also access it early if they need to.

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    Topics: Education

    Protect Yourself! How to Recognise Online Money Scams

    The internet is a wonderful thing because it brings all the knowledge in the world to your fingertips. As technology advances, people keep finding new ways to use the internet and unfortunately thieves are no different. According to the Australian Competition and Consumer Commission Scamwatch website an estimated $77,123,877 was stolen in 2016 through 144,433 reported online scams. These elaborate schemes range from inheritance scams to unexpected winnings to scams run through dating and romance websites.

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    Topics: Education

    Dealing with Debt in a Break Up

    When a relationship breaks down and two people who have come to rely on each other part ways, it can be hard to adjust to your new lifestyle. Here are a few ways you can protect yourself financially both during your relationship and once it ends.

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    Topics: Education

    Unemployed and in Debt? Here's a Survival Plan

    Money management is hard at the best of times. So when something goes wrong, such as losing your job, it doesn't take much for financial disaster to strike. You can have plans in place to help in situations like this, such as an emergency savings account and income protection insurance. But not every Australian is fortunate enough to have these as a saving grace. If you lose your job, here are some things you can do to manage your money through unemployment.

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    Topics: Budgeting, Debt Relief, Education