Our special guest for this week was Moses Samaha, the executive GM at Equifax, to talk to us about spending in the lead up to Christmas and the risks of applying for and falling behind on repayments during this period. We threw a lot at him and he spoke about a few very interesting topics!

00:00-00:53 - Intro

00:53-02:04 - Christmas & Black Friday spending

02:04-04:26 - Account growth flat but spending up

04:26-05:54 - Credit card interest rates

05:54-07:18 - Credit card arrears

07:18-09:08 - Prioritisation of debt

09:08-10:48 - BNPL

10:48-12:25 - Credit card red flags

12:25-13:52 - Building up your credit score

13:52-15:03 - Outro

On this week’s podcast we had a credit score bonanza! First up we have Brooke Cooper, the editor of YourMortgage.com.au to talk to us about refinancing and the ramifications on your credit score.

Then, our special guest for this week was Moses Samaha, the executive GM at Equifax, to talk to us about spending in the lead up to Christmas and the risks of applying for and falling behind on repayments during this period.

Plus we discuss the latest news and savings tips.

00:00-01:26 – Intro

01:26-03:34 – Savings Tips: Avoid Card Surcharges & Change Mobile Plans

03:34-06:16 – Macquarie Bank boosts savings rate to 5%

06:16-09:33 - RBA and government to ban card surcharging

09:33-12:14 – October 31 tax return deadline is looming

12:14-19:03 – Refinancing and credit scores, with Brooke

19:03-33:27 – Credit card spending, with Moses Samaha

33:27-34:50 – Outro

We have our fortnightly property industry roundup with Emma Duffy, the editor of Your Investment Property Magazine. The Queensland election is coming up, and what’s this talk about rent controls?

This week on the podcast, we got thinking about our

00:00-00:30 - Intro

00:30-03:53 - Mental block of pursuing goals

03:53-08:25 - Generational differences in financial priorities

08:25-12:04 - Rise of Bank of Mum and Dad

12:04-12:56 - Other financial barriers

12:56-13:54 - Outro

This week on the podcast, we got thinking about our

We also had our fortnightly property industry roundup with Emma Duffy, the editor of Your Investment Property Magazine. The Queensland election is coming up, and what’s this talk about rent controls?

Plus we discuss the latest news, and our savings tips.

00:00-01:30 – Intro

01:30-03:59 – Savings Tips, check before you tap, and sell your stuff

03:59-06:42 – ANZ cuts TD rates, joins major banking peers

06:42-09:45 – Household spending flat

09:45-12:40 – Rabobank cuts savings account rates

12:40-20:45 – Qld Election: Are rent controls possible? With Emma Duffy

20:45-33:55 – Generational financial goals, with MLC’s

33:55-35:09 - Outro

Resident finance journalist Harry O'Sullivan is back from his overseas fact finding mission and is here to chat to us about the US mortgage market vs Australia Fixed-rate mortgages in America reign supreme, and can be locked in for up to 30 years. In contrast Aussies love variable (or floating rate) mortgages. Why is this, and could Australia ever move to be more like America in this regard? It's all to do with how the wholesale funding structures are setup, as well as culture and tastes around homebuying and home loans.

Look what’s in the political news cycle again! It’s negative

00:00-00:50 - Intro

00:50-01:55 - What is negative gearing

01:55-02:55 - Effects if it's axed

02:55-04:33 - Why it's controversial

04:33-06:56 - How investors can navigate this

06:56-08:38 - Why would you negatively gear?

08:38-09:39 - Outro

Look what’s in the political news cycle again! It’s negative

Plus we chat to resident finance journalist Harry O’Sullivan

And we talk about the weekly savings tips, and cover the

Apologies for the all-over-the-shop audio this week;

00:00-01:16 – Intro

01:16-04:17 – Savings Tips of the Week – Credit Card Points and Supplements

04:17-06:54 – Property price performance in September,

06:54-10:22 – Inflation now 2.7%

10:22-13:30 – NT $50k first home buyers grant

13:30-21:45 – 30-year fixed-rate mortgages with Harry O’Sullivan

21:45-30:47 – What is negative gearing, with Suresh Raghavan

30:47-32:37 – Outro

In our fortnightly property wrap, we chatted to Emma Duffy, editor of Your Investment Property Magazine, to discuss if the love for regional property during Covid was just a flash in the pan or something more sustained.

On this week's pod we had Ben Nash, who is a financial adviser of more than a decade, and founder of Pivot Wealth. He's also written a new book called 'Virgin Millionaire: The Step-by-Step guide to your First Million and Beyond'. We discussed some common wealth building tropes and steps in Australia, and how to kickstart your goals.

00:00-00:28 - Intro

00:28-01:46 - Basics of the book

01:46-03:57 - What readers can expect

03:57-05:30 - 'Right moves, wrong time'

05:30-08:01 - Automating savings

08:01-11:19 - Just start

11:19-12:34 - How to find the book

12:34-13:31 - Outro