Personal Finance
Find financial freedom
A budget is a plan for every dollar you have.
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Understanding credit scores and reports
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Understanding Your Credit Report In Australia
A credit report is a record of your credit history in Australia and is used to calculate your credit score. The included information helps lenders evaluate your creditworthiness.
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How To Get Your Free Credit Score in Australia
You can view your credit score for free through one of Australia’s major credit agencies or a verified third-party provider.
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What Is A Good Credit Score?
A good credit score varies by credit agency: 661+ for Equifax, 625+ for Experian, and 500+ for illion.
![12 Questions About Credit Scores and Reports](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/credit-score-questions-e1718234562215-460x244.jpg)
12 Questions About Credit Scores and Reports
Knowing how credit scores and reports work will help keep you on track to achieve your financial and lifestyle goals.
Making money
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20 Ways To Make Money Online and Offline in Australia
Here are various ways to make money with a side hustle that suits your situation.
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How to Make Passive Income
Passive income can offer breathing space when your finances are tight, but whether a cash stream is passive or not isn’t always clear-cut.
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5 Things To Know Before Starting A Small Business
Before starting your own business, refine your long-term vision, register and apply for an Australian Business Number (ABN), and open a business bank account.
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Types of Employment in Australia
Guide to rights and entitlements for different types of employment arrangements.
Managing money
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7 Money Management Skills To Master ASAP
Set yourself on the path to financial freedom by developing these key money management skills.
![Budgeting 101: How To Budget Money](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-budget-money-e1666203512104-460x192.jpg)
Budgeting 101: How To Budget Money
Give all of your pennies a purpose by creating a budgeting plan that accounts for needs, wants, savings and more.
![Guide to the 50/30/20 Budget](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/50-30-20-budget-e1666204537191-460x192.jpg)
Guide to the 50/30/20 Budget
The 50/30/20 budget divides your income into needs, wants and savings, so you can reach your financial goals without sacrificing your joy.
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Pay Yourself First: Reverse Budgeting Explained
With the pay-yourself-first budget, you put money towards savings goals like retirement before living expenses.
Spending and expenses
![How to Lower Your Bills: 33 Ways to Save Money](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2023/04/GettyImages-1145856338-435x290.jpg)
How to Lower Your Bills: 33 Ways to Save Money
Chances are, you can cut costs and keep some cash in your pocket by taking a closer look at your bills.
![How to Save Money in Australia: 20 Ways to Cut Costs](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-save-money-e1666205113784-460x192.jpg)
How to Save Money in Australia: 20 Ways to Cut Costs
Trying to boost your savings in Australia? Find out how to save on everyday expenses and lower your costs in the long run.
![Tracking Monthly Expenses: The First Step to Money Success](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2023/02/monthly-expenses--e1723698784493-460x245.jpg)
Tracking Monthly Expenses: The First Step to Money Success
When you start tracking expenses, you can separate your spending into three categories: needs, wants and savings.