 |
What if unexpected events throw your finances into disarray? Being prepared and budgeting can change things for the better, often without too much pain. |
Our 3 key tips for managing your money
|  |
| How are you going now? Are you better off today than a year ago? Are you saving any money? | Planning your finances What do you want to achieve? How long will it take you to reach your goals? How much will each goal cost? A gap between your goals and your savings? Joint accounts Talking to your kids about money |
| Budgeting and dealing with unexpected events Budgeting: what you need and what you want How to cut costs and boost savings What if you can't pay your bills? What if you get retrenched? What if you get a windfall? FIDO's Budget Planner Keep an eye on fees and charges | Dealing with debt - your rights and responsibilities How to deal with debt Loans, families and relationship breakdowns Getting help with budgeting Consolidating debts Dealing with debt collectors, repossession and court proceedings Unacceptable behaviour by debt collectors Financial counselling Getting advice and making a complaint Line of credit mortgages Your credit report |
| Managing your loans and your mortgage When should you borrow? How much should you borrow? What's the best loan? Where to find loans Which loans should you play off first? Why pay loans and mortgages off faster? Protecting wealth in your home More on credit, loans and borrowing | Managing your credit card Choosing a credit card Managing your credit cards When things go wrong Interest and fees on credit cards Tips about credit card fees charged by merchants Shopping with your card and avoiding fraud |
| Starting your personal investing When do you start? What do you invest in? How can you invest? How can you manage risk? How can you cut costs? What returns are realistic? What if the market falls? Should you borrow to invest? How to avoid expensive mistakes Four simple rules for your finances | Retiring: how much will you need? How much will you need each year? How much will you need to save? What about the age pension? Developing a retirement checklist |
| Protecting yourself, your family and your property Why insurance really matters Common risks and how to insure against them How much cover do you need? How do you get the best cover? Lots more about insurance | Getting the most from your super Essential facts about super Choosing a fund Finding out about each fund Choosing your investment strategy Do it yourself super Changing funds Judging your fund's performance Keeping track of super Changing jobs, redundancy Getting your super early Topping up your super What happens to your super if you die? When you retire |
