Tag: personal finance
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How to Check Your Personal Credit Ratings in Australia: A Friendly Guide 🇦🇺💳
In Australia, you can easily check your personal credit ratings by requesting a copy of your credit report from Equifax, Experian, or iliad. Learn how to do it here.
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5 Strategies to Pay Off Credit Card Debt Faster: Budgeting, Prioritizing, Consolidation & More
Learn how to pay off credit cards and other debts faster with these strategies. Create a budget, prioritize debts, make more than minimum payments, consider debt consolidation, and seek professional advice.
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Portfolio Update December 2022
The financial market finishing strong in the final months of 2022 after a terrible 6 months. Financially, 2022 was not a great year with inflation raging around the world and crypto fraud companies finally got binned into a long crypto winter. It seems that recession is coming in the first half of 2023. The portfolio…
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💰 Superannuation Hack: Turn Your DIY Contributions into Tax-Saving Gold! 🏆
Learn how to claim your DIY non-concessional super contribution as concessional with our guide. Avoid missing out on tax savings and stay compliant!
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Portfolio Update December 2021
The final months of 2021 have been a deja vu all over again. It seems almost identical to the previous year with yet another variant of corona virus still raging on. Financially, 2021 had been a good year – plenty of new lessons, and exciting period of watching the portfolio slowly growing over time. Some…
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Portfolio Update December 2020
2020 is almost over. What a year it has been. At the end of this weird year, sharemarkets all around the world are recovering strongly even more than ever. Of course, the sharemarkets are not the representative of how the economy is doing. I wish many things can be simpler and more straight forward than…
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How to Cook Ten Recipes for Under $10 from Scratch?
List of must-have pantry items before you start Cooking oil – There are many different oil you can use for cooking. If you are low on budget a bottle of olive oil or grapeseed oil is good enough. You cannot cook at high temperature using olive oil though, so be aware Salt & pepper Raw…
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Portfolio Update September 2020 – COVID recovery
Here is my current asset allocation in September 2020. Some of the current allocation % are way off the new target %. REIT is a bit too risky for me at the moment. I am not a fan of its recent performance and how much risks REIT assets carry. I will actively reduce my exposure…
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How to choose the right level of life insurance cover in Australia?
Are you single? Yes or No Do you have kids under 18 years old? Yes or No – Two questions before you start When we talk about life insurance in Australia. We talk about three different types of coverage: life insurance, income protection and total and permanent disability (TPD) cover. If you already have life…
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Australian Shares Portfolio – September 2019
The portfolio has grown by almost 4% since March. The modest growth is mostly due to the overall ASX market going up after RBA announced two interest rate cuts. Most holdings in the ASX is probably overpriced at this stage – not a good time to buy unless there is a good dividend on offer.…