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Better Ways

The use of Buy Now, Pay Later (BNPL) services like Afterpay and Zip are gaining in popularity. After many years of debate, BNPL is still not considered a loan and there are no laws to protect customers. Instead of laws, a Code of Conduct created by the industry for the industry has been released in Australia. We examine the mechanics of these guidelines, what it means for your purchasing power and the things you can do to prevent mishaps.

We all have our dream travel destinations in post COVID times. Due to the abrupt halt to travel, many of us have money stored in foreign currency and on travel cards. We’re trusting our travel money is safe until we can travel again. However there are some recent changes affecting travel money.

Living in the digital age means we're able to plan our adventures from the comfort of our home. We spend our time researching and coordinating, hopeful of having a fun time, usually with our favourite people in tow. So, how can you tell if the event going to be a fizzer or a best-seller when you're reading the promotions?

Scammers are constantly finding ways to exploit the current trend. People are out in force buying online, and as those packages go out for delivery, people expect to receive messages from shopping websites like Amazon and delivery companies including Australia Post. This makes it the perfect time for scammers to prey on consumers who are not paying close attention.

2020 has taught us that being safety conscious allows us to enjoy the finer things in life, like cafes, family reunions, weddings and (hopefully) travel. Home improvement projects have been extremely popular as we’ve spent more time at home than ever before. When it comes to shopping, all types of shopping, safety matters too. Each year Australia has about 650 consumer product recalls. But only about half of the affected products are returned to sellers. This amounts to about 1.7 million recalled products remaining in people's homes!

Ah, Black Friday. We look forward to this coming Friday more than any other. It’s the lead up event to the most wonderful time of the year, Christmas. Over half of the world’s nations dedicate this day to one of the largest shopping events - Black Friday Sales. In the US alone, sales are expected to jump 30 percent from last year to reach $10 Billion in a single day.

With energy prices skyrocketing, it's no wonder ordinary Australians are feeling the pinch. The Energy and Water Ombudsman for Victoria has revealed that more people than ever are complaining they can't afford their power bills with payment difficulties having tripled in the 5 years since 2009.

Here's our top 10 ways your household can get a good deal and minimise energy bill shock.

Many customers  part with money unnecessarily by buying an extended warranty, when they already have this warranty by law. Its time for a fair go from retailers.

It's possible to get repairs outside the manufacturer’s warranty period for items ranging from electrical appliances like TVs, games consoles to washing machines and refrigerators.

It's estimated two in five people opt for an extended warranty, which can add up to 24 per cent to the final purchase price. However, what most don't know is the warranty is already implied in the price paid for the goods.