Personal Finance and Money Saving Tips and Tools

There are loads of personal finance resources available on the internet. To save you time (and money!) we have hand picked the best personal finance and money saving resources, tips and tools.

Online Currency Converter

How many Australian Dollars equal one US Dollar? The quickest and easiest way to do a currency conversion online is via XE Universal Currency Converter. XE has the top 85 currencies available for you to perform you do do a quick calculation.

Online Credit Check Report

To get a free copy of your credit report you can visit MyCreditFile. At MyCreditFile you can check your credit card rating online – your credit rating is what lenders will use to assess your application for a credit card, personal loan, mortgage home loans, and more.

Finding your lost Super

To look for your lost super you can use the free tool – SuperSeeker, provided by the Australian Tax Office (ATO). To use SuperSeeker all you need is your Tax File Number (TFN).

Consolidating Superannuation
The ATO provides a Request to transfer whole balance of superannuation benefits between funds form, which is also known as a super portability form. To submit the form you will need proof of identity documents relating to each super fund that you will be transferring funds from.

Search for Unclaimed money

ASIC offers a free online service called FIDO to allow you to search for unclaimed money. The service also guides you on how to claim your money. FIDO also provides great money saving financial tips and safety checks.

FIDO Money Management Calculators

FIDO currently offers 4 calculators that will help you manage your money better.

• Budget Planner – a calculator to help you better manage your expenses, with the outcome being the creation of a budget to ensure you spend less than the income that you earn.
• Credit card Calculator – calculate how long is remaining before you are able to completely pay off your credit card. The calculator takes in to account different credit card interest repayment scenarios including just paying back the minimum interest repayment, and it also shows how much quicker you can pay off your credit card debt if you were to make extra repayments.
• Multi-Loan Calculator – The multi-loan calculator will help you find out which method will help you pay off your consumer loans quicker including paying off your credit card balance. The calculator will show you the savings and costs associated with:
  • paying off your loans without refinancing your debt
  • paying off your loans by refinancing
  • the difference it makes by making extra once-off payments on a specific loan or on selected loans
• Statement of Financial Position – calculate your current financial capacity and financial position

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4. Secured & Unsecured Personal Loans
5. GE Money Personal Loans including Debt Consolidation – Details & Application
6. Saving Money & Cutting Costs with your Partner in a Recession
7. How To Get The Best Deal On Personal Loans

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
St George Vertigo	Editor's Choice: Low Interest Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.	2.99% for 6 months (reverts to 11.99%)	20.74%	2.99% for 6 months	$55	55
Coles Group Source MasterCard	The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points	19.74%	21.99%	0% for 6 months	$0	62
Bankwest Zero Platinum MasterCard	Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers	16.99%	16.99%	1.99% for 9 months	$0	55