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Zero-based budgeting might sound like an accounting term best left to big organisations, but it can also be a practical tool for managing personal finances. Originally developed in the late 1960s, zero-based budgeting has made a comeback as people look for more disciplined ways to manage money. Unlike traditional budgeting, which often uses the previous period’s spending as a starting point and increases it slightly, zero-based budgeting starts from scratch each time. That me

Australian household debt is among the highest in the world. Learn the difference between good and bad debt, warning signs to watch for and how to take back control.

A simple Christmas money plan for young Australians—gifts, parties, travel and Boxing Day sales—so January isn’t payback month.

The gist Student debt doesn’t charge interest, but it does grow with inflation via indexation each year . For many young Australians, this surprise growth can sting—especially in high-inflation years. Here’s how indexation works, when it applies, and what you can do about it (without sacrificing your bigger goals). How HECS-HELP grows Indexation, not interest: Your balance increases once a year by the indexation rate, which tracks inflation (CPI). The key date: Indexation i

Learn the difference between good and bad debt and discover smart ways to take back control of your finances.