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.
Trolley folly: How to win the grocery game
Ever gone to the grocery store with a list of five or six things you need and walked out with double, if not triple that? You’re far from alone.
Of course, once you’re there you might remember something else you need. Or something you usually buy is half price, so you can't resist the deal and buy a couple. And then there’s the impulse buy so many of us are guilty of.
How loyalty programs sucker you into giving up personal information
If you’re not paying for a product, then you might be the product. Wise words to consider next time you're thinking of joining a loyalty program.
Christmas crackers: Last-minute gifts worth giving
The panic rises as the clock ticks ever closer to Christmas Day. What happened to all our good intentions with gifts for our loved ones?
Every year, we promise ourselves that next year we’ll get organised earlier and start a present cupboard. We’ll make a list of the things our loved ones like and keep an eye out for the sales and pop those precious items in the cupboard ready to be wrapped when the time comes. It makes financial sense, too, because we’re spreading our spending over the year, rather than copping it one big hit.
Great idea in theory. But, every year, we’re staring down the barrel of another last-minute rush to fill those stockings and pop something extra under the Christmas tree. Will we ever learn?
Start early and stay out of the red this Black Friday
If you’re a Black Friday veteran, you’ll know that you don’t have to wait until the designated day to snap up a bargain.
Retailers have been dropping their prices all month, and your inbox and social media have probably been inundated with offers for Black Friday steals because of your past purchases.
False advertising: Don’t fall for fake reviews
Wanting a night out with friends? Keen to try something new? Do a quick Google search and up comes a bunch of restaurants nearby, one with far more positive reviews than the rest. But are they real? Fake reviews for everything from bakeries to dental services are abundant on the internet, and separating them from the real deal can take time and effort.
It’s hard to know exactly how many aren’t genuine, with estimates varying from about 10 percent to a third of all online reviews. Google is home to six times as many reviews as any other portal, even it has trouble keeping up. Last year the search engine said it removed 95 million reviews that did not meet its guidelines.
Know your LED: How to buy the right TV
Buying a TV used to be straightforward. You'd simply pick a model with the largest screen that you could afford, and you’d be home on the couch with the remote in no time.
Now, there's a whole new vocabulary with bewildering terms like 8K, HDR and Quantum Dots. What does any of it mean? And how do you determine whether that $3000 television really is worth more than the one half its price?
Flower power: Avoid some thorny issues this Valentine’s Day
What's your plan for Valentine's Day? Romantic dinner? Tick. Chocolates? Tick. A beautiful bouquet of roses for your Valentine? A big cross!
Flowers are the most popular Valentine's Day gift in Australia. A study published last year found Aussies would spend more than $110 million on flowers for their loved ones - or the ones they’d like to love. And why not? They're pretty, smell good, and are generally cheaper than jewellery and healthier than chocolates.
But while they look blooming lovely, there’s an ugly side to the flower industry. Behind the fragrant scent of roses in full bloom are toxic chemical fumes designed to keep flowers fresh and pretty, specifically the imported ones.
What to wear: Finding a fitness tracker fit for purpose
If you’re a fitness fanatic, it’s likely you have already invested in the modern tool for monitoring your efforts. And you’re not alone - according to Deloitte Consumer Trends 2021 report, one in five Australians own a wearable fitness tracker.
But if you’re kicking off 2022 with an action plan that includes a whole lot more exercise, you may be curious about their benefits. Is it worth adding a fitness tracker to your get-fit arsenal? What do they actually do? And how will they help you reach your goals?
Need to return a Christmas gift? Here’s how to do it with style
So you really don’t like that floral nightie Nana sent you? The shoes you got for your fashion-conscious son are just ‘so last year’? Your daughter received two of the same Nintendo game?
Yes, it’s Christmas and we’ve all received – and given – presents that just aren’t quite right. In the back of our minds, we’re wishing it was a gift card instead. No matter the reason, there’s no need to feel embarrassed about returning them.