Raising hell: Why does childcare cost so much?
More than one million Australian families used childcare last year. If you were one of them, you know how expensive it has become.
After a six-month investigation, the Australian Consumer and Competition Commission (ACCC) handed down its interim report into the sector earlier this month.
The ACCC found that childcare fees were rising faster than inflation and wage growth, and government subsidies have failed to keep pace.
Taxing time: Wise up to end of financial year scammers
The only people who love this time of year are accountants - and scammers.
While you’re busy trying to get your finances for the end-of-financial year tax submission, scammers are also busy trying to persuade you to part with money.
Pet insurance: What does ASIC’s crackdown mean for you?
Have you received a large veterinary bill for your pet even though you had what you thought was the right insurance? You’re far from alone.
Seeing red: How to handle debt collectors
Are you being hounded by a debt collector? Are there endless phone calls and texts? Perhaps they are even calling or texting family members or friends to try to get hold of you. Here’s how to handle debt collectors.
No one wants to be chased for money, especially at a time they are feeling vulnerable and under financial stress. While businesses are entitled to expect payment for a product or service, there are rules and regulations around debt collection. There are also places you can go to get help dealing with debt collectors, so don’t feel backed into a corner.
Tooth ache: Are dental implants the best option?
Are you having a tooth pulled? Or lost some teeth in an accident? Or simply don’t like the way your teeth look? Your dentist may suggest dental implants.
While there are good health reasons for replacing a missing or extracted tooth (or teeth) as soon as possible, it’s important to understand what dental implants are and what is involved in the procedure.
Extended warranties: Don’t pay extra for nothing
Salespeople will often try to persuade you that extended warranties are the best way to protect yourself against expensive repairs in the future. Don’t be fooled.
What many Australians don’t realise is they are protected under Australian Consumer Law and that, more often than not, the extended warranty being offered covers the same period and rights to repairs or replacement. This is why it’s often referred to as ‘junk insurance’.
Card surcharges: Are you paying too much?
Ever wondered why your cup of coffee costs an extra 15 cents at one café and not another? Or when you go to pay for petrol with Visa or Mastercard, you're told it will cost another 1.5 percent? These added costs are known as card surcharges and while they might not account for much in one or two transactions, they certainly add up.
The Albanese Government is preparing to ban debit card surcharges - the amount a business charges to cover the cost of an electronic transaction – from 1 January 2026, pending a review by the Reserve Bank of Australia (RBA). Treasurer Jim Chalmers said consumers should not be punished for using cards or digital payments.
Reality bites: The true cost of dental care
Seeing the dentist for the first time in a while? Need to take your child to the dentist? There are things you should know before you go.
Money matters: How a financial counsellor can help you
Struggling to juggle all your bills? Falling behind on your rent or mortgage payments? You may benefit from financial counselling.
We seek advice from the experts for all kinds of things in our lives – from health to education and everything in between, so you shouldn’t be embarrassed about asking for assistance in an area integral to your wellbeing.
Financial counsellors can help you navigate a very stressful time. But who exactly are these professionals? What role do they play in helping you regain control of your financial health? Let's delve deeper into understanding the invaluable support they can provide.
Debt disaster: How to ask for financial hardship help
Money – particularly the lack of it – is a sensitive topic for most of us. There's a level of embarrassment or shame that can come with the inability to meet financial obligations.