{"id":124,"date":"2022-10-05T01:24:17","date_gmt":"2022-10-05T01:24:17","guid":{"rendered":"https:\/\/www.nerdwallet.com\/au\/?page_id=124"},"modified":"2023-09-26T16:16:24","modified_gmt":"2023-09-26T16:16:24","slug":"personal-finance","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/au\/personal-finance","title":{"rendered":"Personal Finance"},"content":{"rendered":"\n

Personal Finance<\/h1>
Learn how to create a budget, save for retirement, check your credit score and more.<\/div><\/div><\/div>\n\n\n
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Find financial freedom<\/h3>\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tA budget is a plan for every dollar you have.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t

Learn how to budget your money<\/a><\/div>\t\t\t<\/div>\n\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Ad\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n
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Understanding credit scores and reports<\/h2>\n\n\n\n\t
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\n\t\t\t\n\t\t\"Understanding\t<\/a>\n\t\t\t
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\n\t\n\t\tUnderstanding Your Credit Report In Australia\t<\/a>\n<\/h4>\n\n\t
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A credit report is a record of your credit history in Australia and is used to calculate your credit score. The included information helps lenders evaluate your creditworthiness.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow To Get Your Free Credit Score in Australia\t<\/a>\n<\/h4>\n\n\t
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You can view your credit score for free through one of Australia\u2019s major credit agencies or a verified third-party provider.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"What\t<\/a>\n\t\t\t
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\n\t\n\t\tWhat Is A Good Credit Score?\t<\/a>\n<\/h4>\n\n\t
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A good credit score varies by credit agency: 661+ for Equifax, 625+ for Experian, and 500+ for illion.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\t12 Questions About Credit Scores and Reports\t<\/a>\n<\/h4>\n\n\t
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Knowing how credit scores and reports work will help keep you on track to achieve your financial and lifestyle goals.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n
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Making money<\/a><\/h2>\n\n\n\n\t
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\n\t\t\t\n\t\t\"20\t<\/a>\n\t\t\t
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\n\t\n\t\t20 Ways To Make Money Online and Offline in Australia\t<\/a>\n<\/h4>\n\n\t
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Here are various ways to make money with a side hustle that suits your situation.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow to Make Passive Income\t<\/a>\n<\/h4>\n\n\t
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Passive income can offer breathing space when your finances are tight, but whether a cash stream is passive or not isn\u2019t always clear-cut. <\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Kristie Kwok<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\t5 Things To Know Before Starting A Small Business\t<\/a>\n<\/h4>\n\n\t
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Before starting your own business, refine your long-term vision, register and apply for an Australian Business Number (ABN), and open a business bank account.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Types\t<\/a>\n\t\t\t
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\n\t\n\t\tTypes of Employment in Australia\t<\/a>\n<\/h4>\n\n\t
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Guide to rights and entitlements for different types of employment arrangements. <\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Kristie Kwok<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n
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Managing money<\/a><\/h2>\n\n\n\n\t
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\n\t\n\t\t7 Money Management Skills To Master ASAP\t<\/a>\n<\/h4>\n\n\t
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Set yourself on the path to financial freedom by developing these key money management skills.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Budgeting\t<\/a>\n\t\t\t
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\n\t\n\t\tBudgeting 101: How To Budget Money\t<\/a>\n<\/h4>\n\n\t
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Give all of your pennies a purpose by creating a budgeting plan that accounts for needs, wants, savings and more. <\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Guide\t<\/a>\n\t\t\t
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\n\t\n\t\tGuide to the 50\/30\/20 Budget\t<\/a>\n<\/h4>\n\n\t
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The 50\/30\/20 budget divides your income into needs, wants and savings, so you can reach your financial goals without sacrificing your joy.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Pay\t<\/a>\n\t\t\t
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\n\t\n\t\tPay Yourself First: Reverse Budgeting Explained\t<\/a>\n<\/h4>\n\n\t
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With the pay-yourself-first budget, you put money towards savings goals like retirement before living expenses.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n
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Spending and expenses<\/h2>\n\n\n\n\t
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow to Lower Your Bills: 33 Ways to Save Money\t<\/a>\n<\/h4>\n\n\t
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Chances are, you can cut costs and keep some cash in your pocket by taking a closer look at your bills.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
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\n\t\n\t\tHow to Save Money in Australia: 20 Ways to Cut Costs\t<\/a>\n<\/h4>\n\n\t
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Trying to boost your savings in Australia? Find out how to save on everyday expenses and lower your costs in the long run.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>Georgia Rose profile photoGeorgia Rose<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\t\t\n\t\t\"Tracking\t<\/a>\n\t\t\t
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\n\t\n\t\tTracking Monthly Expenses: The First Step to Money Success\t<\/a>\n<\/h4>\n\n\t
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When you start tracking expenses, you can separate your spending into three categories: needs, wants and savings.<\/p>\n\t<\/div>\n\n\t

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\n\t\t\t\t\"\"Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n\n\n\n
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The latest<\/h2>\n\n\n\n\t
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\n\t\n\t\tOptions For Gambling Self-Exclusion\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\t9 Superannuation Benefits You Should Know\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Tamara P. Rossi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tHow To Choose A Super Fund\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Tamara P. Rossi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tTerm Deposit Rates Explained\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"DebbieDebbie Duncan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tBreaking a Term Deposit\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"DebbieDebbie Duncan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tTerm Deposit Maturity Options\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"DebbieDebbie Duncan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tWhat Is A Term Deposit?\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"DebbieDebbie Duncan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tWhat Is Freelancing?\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tHow To Get Out Of Debt\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tHow to Lower Your Bills: 33 Ways to Save Money\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\t12 Ways to Make Money as a Kid\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Katia Iervasi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
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\n\t\n\t\tWorking From Home? Know Your Tax Deductions\t<\/a>\n<\/h4>\n\n\n\t
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\n\t\t\t\t\"\"Amanda Smith<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

Learn how to build a budget, save for retirement, check your credit score and more.<\/p>\n","protected":false},"author":7,"featured_media":125,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[8],"topic":[106],"cluster":[45],"pp_author":[10],"acf":[],"apple_news_notices":[],"yoast_head":"\nPersonal Finance - NerdWallet Australia<\/title>\n<meta name=\"description\" content=\"Making money, saving money, building wealth and protecting assets are part of personal finance. Learn how to master your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nerdwallet.com\/au\/personal-finance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Finance - NerdWallet Australia\" \/>\n<meta property=\"og:description\" content=\"Making money, saving money, building wealth and protecting assets are part of personal finance. 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