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Your Guide to Smarter Money, Financial Independence & Future Security

At Money Tips, we believe that financial independence isn't just a dream ... it's an achievable goal for every Australian.

Whether you're looking for personal finance tips, budgeting advice, superannuation assistance, or insights into investing, we're here to help you take control of your money with confidence.

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Simple Money Tips for Everyday Australians

Managing your finances can feel overwhelming. That's why we break down complex topics into easy-to-follow, actionable money tips designed to help you save more, spend smarter, and build wealth over time.

From budgeting strategies to finance help for life's big decisions, Money Tips is your reliable partner on the path to financial independence.

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Your Finance Toolbox

Explore our free range of financial calculators, tools, and guides designed to help you:

  • Budget effectively

  • Calculate loan repayments

  • Forecast your retirement savings

  • Compare insurance options

  • Plan your investments

Whether you're navigating superannuation, choosing the right insurance, or wanting to grow your savings, our easy-to-use calculators and resources are designed for real-life Australian situations.

Trusted Insurance & Finance Help

Unbiased, clear, and jargon-free. At Money Tips, we provide insurance advice and finance help that puts your needs first. Discover tips to avoid common financial traps, reduce unnecessary fees, and ensure you're protected at every life stage.

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Start Your Journey to Financial Independence Today

Join thousands of Australians using Money Tips to build better financial habits, achieve personal goals, and secure their future.

Explore our key topics:

  • Budgeting & Personal Finance

  • Superannuation Assistance & Retirement Planning

  • Investing Basics & Smart Strategies

  • Insurance Advice & Money-Saving Tips

  • Financial Calculators & Tools


Finance Articles

Investing 101: A Beginner's Guide for Australian Adults Investing 101: A Beginner's Guide for Australian Adults
Investing can initially seem daunting, but it’s essentially the act of allocating money with the expectation of generating an income or profit over time. It's important because investing offers the potential for your money to grow and outpace inflation, ensuring you have a secure financial future. - read more
Top 5 Financial Tips for Australian Young Families Top 5 Financial Tips for Australian Young Families
Starting a family is one of life's most rewarding experiences, but it also comes with a unique set of financial challenges. For young families in Australia, where the cost of living can rise quickly, having a solid financial plan is crucial. Financial planning is not just about managing money; it's about creating a sense of security and peace of mind for your loved ones. - read more
Saving for Your Child's Future: Education Funds and Beyond Saving for Your Child's Future: Education Funds and Beyond
As young families embark on the journey of raising children, financial planning becomes an essential tool to ensure a stable future. With the rising costs of education and living expenses, it's crucial to put plans in place early. By doing so, families can alleviate stress and focus on what matters most: their children's growth and development. - read more
How to Create a Monthly Budget That Works for You How to Create a Monthly Budget That Works for You
Budgeting is an essential skill for anyone looking to take control of their personal finances. It serves as the foundation for achieving financial stability and reaching your monetary goals. Yet, managing a budget can seem daunting, especially if you're unsure where to start or how to maintain one. In this article, we'll guide you through crafting a monthly budget that truly works for you, ensuring you not only manage your money effectively but also stress less about financial uncertainties. - read more
Maximise Your Superannuation: Strategies for a Comfortable Retirement Maximise Your Superannuation: Strategies for a Comfortable Retirement
Superannuation, commonly known as 'super,' is a crucial part of planning for a comfortable retirement. It serves as a long-term savings measure, gradually increasing in value to support you once you stop working. But what exactly is superannuation? - read more
Finance News

Investors Advised Against Overvalued Markets Amid Economic Uncertainty Investors Advised Against Overvalued Markets Amid Economic Uncertainty
18 Jul 2025: Paige Estritori

In a market swayed by trade tensions and geopolitical uncertainties, investors are encouraged to remain cautious of inflated valuations. The mid-year outlook from Schroders warns against ignoring these issues, despite the market's surprising resilience to economic pressures. - read more
ASIC Penalises Two Licensees for Unregistered Financial Advice ASIC Penalises Two Licensees for Unregistered Financial Advice
17 Jul 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has taken enforcement action against two financial planning licensees for permitting unregistered advisers to provide personal financial advice. This regulatory action involved Sky Money Pty Ltd and Smart Financial Capital Pty Ltd, who were each required to pay infringement notice penalties amounting to $31,300 in early July 2025. - read more
Unemployment Rate Rises as Australian Labour Market Cools Unemployment Rate Rises as Australian Labour Market Cools
17 Jul 2025: Paige Estritori

Australia's strong labour market showed signs of cooling in June, with the latest figures from the Australian Bureau of Statistics revealing an increase in the unemployment rate to 4.3 per cent, up from 4.1 per cent in May. This slowdown in employment growth, with only a modest increase of 2000 jobs, adds to the pressure on the Reserve Bank to consider future interest rate cuts. The Reserve Bank had previously held the official cash rate steady at 3. - read more
Australia's Unsustainable Financial Outlook Raises Concerns Australia's Unsustainable Financial Outlook Raises Concerns
16 Jul 2025: Paige Estritori

Recent admissions from the Treasury reveal Australia's precarious financial situation, with significant implications for the nation’s economic stability. A report from credit ratings firm S&P last month highlighted that the combined budget deficits of Australia’s state and federal governments total $52 billion. Furthermore, the country's net debt has already surpassed 60% of GDP, showcasing a challenging fiscal scenario. - read more
RBA Proposes Ban on Card Payment Surcharges RBA Proposes Ban on Card Payment Surcharges
15 Jul 2025: Paige Estritori

The Reserve Bank of Australia (RBA) has proposed eliminating surcharges on debit and credit card transactions, a move that impacts all major card providers such as Mastercard, Visa, and eftpos. As revealed in a newly released consultation paper, the RBA cites the $1.2 billion annual cost to consumers, highlighting inefficiencies and advocating for a unified approach to card payments. - read more
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Knowledgebase
Guarantor:
A party who agrees to be responsible for the payment of another party's debts should the original party fail to pay or perform according to a contract.


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