Personal Finance and Money Saving Tips and Tools

Featured Personal Finance Credit Card

Spend and Save FOUR More! Purchase using your Aussie MasterCard and get big savings on four great deals – low balance transfer rates, cheaper purchase rate or low rates on both balance transfer and purchases plus $0 annual fee. Aussie MasterCard let’s you spend and save more!

• $49 annual fee
• 2.99% for 6 months p.a. on purchases
• 2.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 19.79%
• 60 second response when you apply online

Click here to read the Aussie MasterCard terms and conditions

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

• Comparison of Top 10 Credit Card Offers

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)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0