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Beyond the spin, beyond the handouts, here’s how to get a handle on what’s really happening on budget night

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <em><a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>Three weeks from now, some of us will be presented with a <a href="https://budget.gov.au/">mountain</a> of budget papers, and just about all of us will get to hear about them on radio, TV or news websites on budget night.</p> <p>The quickest way to find out what the budget is really doing will be to listen to the treasurer’s speech, or to peruse online the aptly-named “<a href="https://treasury.infoservices.com.au/page/budget2023">glossy</a>” – a document that last year was titled “<a href="https://archive.budget.gov.au/2023-24/overview/download/budget_overview.pdf">Stronger foundations for a better future</a>”.</p> <figure class="align-right zoomable"><a href="https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=45&auto=format&w=237&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=848&fit=crop&dpr=1 600w, https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=848&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=848&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=1066&fit=crop&dpr=1 754w, https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=1066&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/589444/original/file-20240422-23-vkinrm.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=1066&fit=crop&dpr=3 2262w" alt="Cover of 2023 budget glossy" /></a><figcaption><span class="caption">Glossies are used to make each budget attractive.</span> <span class="attribution"><a class="source" href="https://archive.budget.gov.au/2023-24/overview/download/budget_overview.pdf">Commonwealth Treasury</a></span></figcaption></figure> <p>But they will tell you exactly what the government wants you to hear, exactly as it wants you to hear it.</p> <p>If you are looking instead for the truth – what the government is actually trying to achieve and what it is holding itself and its officials to, I would suggest something else, tucked away on about page <a href="https://cdn.theconversation.com/static_files/files/3225/8787.pdf">87</a> of the main budget document.</p> <p>It is required by the <a href="https://www.legislation.gov.au/C2004A05333/latest/text">Charter of Budget Honesty Act</a> introduced in 1998 by Peter Costello, the treasurer under Prime Minister John Howard.</p> <p>On taking office in 1996, Costello set up a <a href="https://webarchive.nla.gov.au/awa/20101119021633/http://www.finance.gov.au/archive/archive-of-publications/ncoa/execsum.htm">National Commission of Audit</a> to examine the finances he had inherited from the Hawke and Keating governments, presumably with an eye to discovering they had been mismanaged.</p> <p>But the members of the commission weren’t much interested in that. Instead, they decided to deal with something more fundamental.</p> <h2>Budget as you wish, but explain your strategy</h2> <p>Governments were perfectly entitled to manage money in whatever way they wanted, and they were perfectly entitled to spend more money than they raised (which they usually do, it’s called a <a href="https://www.investopedia.com/terms/d/deficit.asp">budget deficit</a>).</p> <p>What the commission wanted was for governments to make clear what they were doing, and to spell out the strategy behind it.</p> <p>Only part of it was about being upfront with the public. The commission also wanted governments to be upfront with themselves – to actually develop frameworks for what they were doing, rather than doing whatever they felt like.</p> <p>The commission recommended a <a href="https://webarchive.nla.gov.au/awa/20101119021633/http://www.finance.gov.au/archive/archive-of-publications/ncoa/execsum.htm">Charter of Budget Honesty</a>, which among other things requires officials to prepare independent assessments of the finances before each election, requires budget updates six months after each budget, and requires <a href="https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/BriefingBook45p/TaxExpenditures">tax expenditures</a> (tax breaks) to be accounted for like other expenditures.</p> <p>And it requires the publication and regular updating of a <a href="https://cdn.theconversation.com/static_files/files/3227/CBH_Fiscal_strategy.pdf">fiscal strategy statement</a>.</p> <h2>Where treasurers hold themselves accountable</h2> <p>The <a href="https://cdn.theconversation.com/static_files/files/3225/8787.pdf">fiscal strategy</a> can be thought of as an exam question set by the student who is being examined – something along the lines of “this is what you say you want your budget to achieve, please set out the means by which you plan to achieve it”.</p> <p>It turns out to have been exceptionally effective in getting governments to organise their thoughts, make budgets at least try to achieve something, and let the rest of us know what they are trying to achieve.</p> <p>Every few years, treasurers change the strategy, as is their right. Treasurer Jim Chalmers says he’ll change it again this budget, to de-emphasise the fight against inflation and to more greatly emphasise the need to <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/transcripts/press-conference-washington-dc-0">support economic growth</a>.</p> <p>His statement will tell us what’s behind his actions in a way the glossy words in his brochure and speech might not.</p> <h2>The strategy that has signposted 26 years</h2> <p>Previous statements have signposted all the important turns in what the budget is trying to do.</p> <p>The first, in <a href="https://images.theconversation.com/files/589686/original/file-20240423-16-rncqg3.PNG">1998</a>, committed Costello and Howard to achieving a budget surplus on average over the economic cycle and whenever “growth prospects remain sound”.</p> <p>Making that commitment more difficult was another “not to introduce new taxes or raise existing taxes over the term of this parliament”.</p> <p>Two years later, after the government had won an election promising a new goods and services tax, that commitment was <a href="https://images.theconversation.com/files/589692/original/file-20240423-18-q843xn.PNG">changed</a> to “no increase in the overall tax burden from its 1996-97 level”, a condition met by calling the GST a state tax.</p> <h2>Hockey and Morrison wound back spending</h2> <p>The Labor budgets from 2008 <a href="https://images.theconversation.com/files/589702/original/file-20240423-18-mikx6f.PNG">loosened</a> the tax target to the <em>average</em> share of GDP below the reference year, which they changed to the higher-tax year of 2007-08.</p> <p>The first Coalition budget under Treasurer Joe Hockey in 2014 changed the target from tax to spending, pledging to bring down the ratio of <a href="https://images.theconversation.com/files/589705/original/file-20240423-16-9spkdy.PNG">payments to GDP</a>, and pledging a surplus of 1% of GDP by 2023-24.</p> <p>Any new spending would be more than offset by cuts elsewhere, and if the budget did receive a burst of unexpected revenue it would be “banked” rather than spent.</p> <p>In 2018 Treasurer Scott Morrison reintroduced tax as a target, that he spelled out precisely. Tax was not to increase beyond <a href="https://images.theconversation.com/files/589706/original/file-20240423-16-b7gj5d.PNG">23.9%</a> of GDP.</p> <h2>During COVID, Frydenberg spent big</h2> <p>In 2020, in the face of a COVID-induced recession and soaring unemployment, Finance Minister Mathias Cormann and Treasurer Josh Frydenberg pushed the old strategy to one side.</p> <p>They would spend big now to keep the economy afloat so they wouldn’t have to spend more bailing it out later, and they wouldn’t return to their old concern about the deficit until the unemployment rate was “<a href="https://cdn.theconversation.com/static_files/files/3228/fs2020.pdf">comfortably below 6%</a>”.</p> <p>So well did they succeed that in 2021 Frydenberg made the momentous decision to keep going, abandoning the promise to return to worrying about the deficit when unemployment fell below 6%.</p> <p>Instead he promised to keep spending big until unemployment was “<a href="https://images.theconversation.com/files/589709/original/file-20240423-16-9pmpaf.PNG">back to pre-crisis levels or lower</a>”.</p> <p>The decision propelled unemployment down to a 50-year low of <a href="https://www.datawrapper.de/_/wPfXO/">3.5%</a>.</p> <p>Along with high iron ore prices, that one change of strategy has probably helped deliver Chalmers two consecutive budget surpluses – the one he announced last year for 2022-23, and the one he is set to announce this year for 2023-24. More of us have been in jobs <a href="https://www.finance.gov.au/publications/commonwealth-monthly-financial-statements/2024/mfs-january">paying tax</a>, and fewer have been out of jobs <a href="https://theconversation.com/half-a-million-more-australians-on-welfare-not-unless-you-double-count-227342">on benefits</a>.</p> <p>It’s a powerful demonstration of the real-world difference budget decisions can make, and the way in which the <a href="https://cdn.theconversation.com/static_files/files/3225/8787.pdf">fiscal strategy</a> tells the story.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228387/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/beyond-the-spin-beyond-the-handouts-heres-how-to-get-a-handle-on-whats-really-happening-on-budget-night-228387">original article</a>.</em></p> </div>

Money & Banking

What to expect from the federal budget

<p>There's just three weeks left until Treasurer Jim Chalmers unveils the federal budget.</p> <p>With the cost of living crisis still a major issue across the country, we can expect to see some policies aimed at alleviating the pressure. </p> <p>Some policies, have already been announced and here are a few others that we can expect to hear from Chalmers on May 14. </p> <p>Stage 3 cuts announced in January, will form a key part of this year's budget, which will direct more benefit towards low- and middle-income earners – although Australians on high salaries will still receive a tax cut.</p> <p>The decision was made to alleviate the cost-of-living pressures and partly address the bracket creep. The cuts lower the threshold for the lowest two brackets (so they pay less tax on that income), and raise the threshold for the highest two brackets (so they need to earn more to be taxed at a higher rate). </p> <p>This means that someone with average income of around $73,000 will get $1504, but how much you actually receive will depend on your income. </p> <p>The new version of the stage 3 cuts will come into effect on July 1.</p> <p>Superannuation will be paid on government-funded parental leave, with the change due to kick in for parents with babies born after July 1, 2025.</p> <p>They will receive a 12 per cent superannuation on top of their government-funded parental leave, with around 180,000 families expected to benefit from it. </p> <p>The figures will be included in the May 14 budget. </p> <p>Although nothing has been officially announced, there will likely be HECS-HELP debt relief for current and former students. </p> <p>"I think there's a range of areas where we need to do much better with the younger generation, and HECS is one of them," Prime Minister Anthony Albanese said on radio on April 18.</p> <p>"We've received a review of that... and what that has said is that the system can be made simpler and be made fairer.</p> <p>"We're examining the recommendations and we'll be making announcements pretty soon on that. We, of course, have a budget coming up."</p> <p>There have also been some hints from the government that energy bill relief will continue in this year's budget. </p> <p>"Our government understands that for small business – as for Australian families – energy bills remain a source of financial pressure," Albanese said, citing the existing policy that gives eligible families up to $500 off their power bills and eligible small businesses up to $650.</p> <p>"Our government understands that for small business – as for Australian families – energy bills remain a source of financial pressure," he said.</p> <p>"That's why the energy bill relief package I negotiated with the states and territories delivered up to $650 in savings for around 1 million small businesses, along with 5 million families.</p> <p>"And as we put together next month's budget, small businesses and families will again be front and centre in our thinking."</p> <p>Energy bills are also set to go down, or remain stable for the most part from July 1. </p> <p><em>Image: Getty</em></p>

Money & Banking

Your passport to salon-quality haircare on a budget

<p dir="ltr">There’s nothing quite like the feeling of walking out of the hairdressers to proudly show off your new cut or colour, and your hair is the softest it's ever felt. </p> <p dir="ltr">While this post-salon feeling is second to none, it's hard to recreate at home to avoid spending big bucks at your hairdressers more than you need to. </p> <p dir="ltr">And then begins the seemingly endless journey to find a shampoo and conditioner that works for your unique hair type without breaking the bank. Trawling down the aisles of supermarkets and chemists in search of these elusive products can often raise more questions than answers. </p> <p dir="ltr">What ingredients should you be steering clear of? What brands are better than others? What problem area should you be targeting? Does more expensive actually mean better?</p> <p dir="ltr">And so on and so forth, forever. </p> <p dir="ltr">Until, an unsung hero swoops in to save the day. </p> <p dir="ltr">After absolutely perfecting affordable makeup, Revlon have made their foray into haircare, with Revlon Professional having the answer for everyone’s individual hair care needs while keeping the prices low. </p> <p dir="ltr">Revlon Professional have a shampoo, conditioner and hair mask to cover everyone, with their systems covering everything from hydration and volume to colour protection, restoration, curly hair maintenance and more. </p> <p dir="ltr">I tried out the Revlon Professional RE/START Hydration system over two weeks while on holiday to really put it to the test.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/C1X1n6AI9FP/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C1X1n6AI9FP/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Revlon Professional Australia (@revlonprofessionalaustralia)</a></p> </div> </blockquote> <p dir="ltr">While I was testing out the three-step system, I was exposing my hair to chlorine pools, salty ocean water and relentless humidity. On top of this, my poor hair has suffered years of abuse (at my own hands), and has been bleached several times, draining my hair of any natural moisture.</p> <p dir="ltr">I have tried dozens of ultra hydration products to make my hair look marginally better than a hay bale, and have yet to find my holy grail solution. </p> <p dir="ltr">I was expecting the Revlon Professional range to do what every other product does: give me maybe 12 hours of softness before my hair goes back to looking like a tumbleweed.</p> <p dir="ltr">Obviously my years of trying every product on the market has made me jaded, because the RE/START Hydration system was so much more than I ever expected. </p> <p dir="ltr">Over two weeks of trying out the products, I used the shampoo, conditioner and mask about four times. After the first time of using them, I was completely shocked at how hydrated my hair stayed until it was next time for a wash. </p> <p dir="ltr">Unlike other products on the market, the RE/START Hydration system keeps your hair hydrated for days, all while looking clean, healthy, shiny and untangled, without weighing your hair down. </p> <p dir="ltr">At last, I have finally found my holy grail products and I will sing their praises from the rooftops. </p> <p dir="ltr">Whatever your hair concerns may be, Revlon Professional has the answer for you, all while keeping your wallet in mind. </p> <p dir="ltr">But don’t just take my word for it. The Revlon Professional ranges are available at <a href="https://www.adorebeauty.com.au/b/revlon-professional.html?p=2">Adore Beauty</a>, <a href="https://www.ozhairandbeauty.com/brands/revlon-professional">Oz Hair & Beauty</a> and Revlon’s <a href="https://www.revlonprofessional.com/">official website</a> for you to find your own holy grail products, and have salon fresh hair all year round. </p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Beauty & Style

Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

Give the gift of luxury on any budget

<p dir="ltr">As the weather starts to warm up, a lot of us are kick starting our summer holiday and Christmas plans. </p> <p dir="ltr">While trips away and what’s on the menu for Christmas lunch are obviously vitally important, it's also good to get a jump on buying Christmas presents for your loved ones. </p> <p dir="ltr">It can be hard to think of a thoughtful gift for that special someone, especially when that person may seemingly have everything. </p> <p dir="ltr">Luckily, L’Occitane’s Christmas gift giving guide has you covered. </p> <p dir="ltr">Featuring everything from affordable stocking fillers, to the most luxurious product packs, the L’Occitane 2023 Christmas collection is certain to have something for everyone. </p> <p dir="ltr">For those looking to really spoil their loved one, they have limited edition sets for the ultimate pamper experience. </p> <p dir="ltr">This year, L’Occitane have three collections on offer, each featuring heavenly scents and full-sized products for $129 each. </p> <p dir="ltr">For those on a tighter budget, or those looking to add in a little extra something special as a stocking filler, L’Occitane’s iconic mini baubles are back for another year. </p> <p dir="ltr">The baubles feature a range of mini products in varying scents for $25, giving each person a chance to fall in love with their new favourite product before committing to a full size version. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/ClnauzdvCFO/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/ClnauzdvCFO/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">L’Occitane has a whole range of stocking fillers available, such as hand cream packs, deluxe Christmas crackers, and much more. </p> <p dir="ltr">For those who simply can’t wait until December 25th to unwrap their L’Occitane goodies, the luxury brand has brought back their deluxe Advent Calendars for another year. </p> <p dir="ltr">With both the Classic and Deluxe beauty advent calendars on offer, enjoy a little luxury everyday of December until Christmas Day.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CxIEHK7PDpG/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CxIEHK7PDpG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">You can feel good about gifting L’Occitane goodies for Chrstmas this year, as the brand continues to make improvements to the materials they choose to package their products in. </p> <p dir="ltr">This year, L’Occitane has reduced the use of single-use materials by a further 8%, as they make it their mission to create a positive impact for both people and the planet. </p> <p dir="ltr">So when it comes to picking the perfect present for your loved ones this festive season, look no further than the luxuries of <a href="https://au.loccitane.com/">L’Occitane</a> to give the gift of indulgence to those who matter most. </p> <p dir="ltr"><em>Image credits: Instagram </em></p>

Beauty & Style

What is ‘budget Ozempic’ that’s all over social media? Can it help me lose weight?

<p><em><a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Social media is lighting up over what influencers are calling “<a href="https://www.forbes.com/sites/brucelee/2023/09/09/budget-ozempic-tiktok-trend-how-its-contributing-to-the-laxative-shortage/?sh=1f54511b1569">budget Ozempic</a>”. These are drugs normally used as laxatives and stool softeners, but people are taking them to lose weight. The demand is so high in the United States, there are reports this is contributing to <a href="https://www.wsj.com/health/wellness/laxative-shortage-diet-weight-loss-5a15bf02">shortages</a> in pharmacies.</p> <p>These laxatives are just the latest alternatives influencers are touting for the <a href="https://www.abc.net.au/news/2023-09-09/ozempic-maker-novo-nordisk-becomes-biggest-company-in-europe/102812584">blockbuster drug</a> Ozempic.</p> <p>So, does “budget Ozempic” help you lose weight? Any weight loss is likely to be temporary and using these laxatives long term may be dangerous.</p> <h2>Ozempic is in short supply</h2> <p>Ozempic contains the active ingredient semaglutide. It is a prescription-only drug used to treat type 2 diabetes. One side effect of taking it is significant weight loss. This has led to so many people trying to obtain the drug there have been <a href="https://www.tga.gov.au/safety/shortages/information-about-major-medicine-shortages/about-ozempic-semaglutide-shortage-2022-and-2023">shortages</a>.</p> <p>Instead, some people have turned to more easily accessible over-the-counter alternatives to try to lose weight. That includes <a href="https://theconversation.com/natures-own-ozempic-or-berberine-is-all-over-social-media-but-does-it-really-help-you-lose-weight-206855">berberine</a>, which has been dubbed “nature’s own Ozempic”.</p> <h2>What is ‘budget Ozempic’?</h2> <p>“Budget Ozempic” is different to “nature’s own Ozempic”. It is the polymer polyethylene glycol 3350, or PEG 3350 for short.</p> <p>Chemically, it’s similar to other polymers used as ingredients in cosmetics, drug delivery, <a href="https://www.chemistryworld.com/features/raiders-of-the-lost-pigments/3007237.article">archaeological preservative paints</a>, soaps and even <a href="https://navyrecognition.com/index.php/naval-news/naval-news-archive/2023/june/13261-northrop-grumman-hits-production-milestone-with-trident-ii-d5-s-2000th-rocket-motor.html">missile fuel</a>. It’s not to be confused with ethylene glycol, which is used in antifreeze.</p> <p>Medically, PEG 3350 is mainly sold in Australia through pharmacies in <a href="https://australianprescriber.tg.org.au/articles/managing-constipation-in-adults.html">laxative and stool softening</a> products. It is also used to clean out your bowels before a colonoscopy.</p> <p>The products are referred to as <a href="https://www.healthdirect.gov.au/medicines/medicinal-product/aht,22630/macrogol-3350">macrogols</a>. Brands include DulcoSoft, Movicol, OsmoLax, ClearLax and ColonLYTELY.</p> <h2>How can it cause weight loss?</h2> <p>PEG 3350 is known as an <a href="https://www.nhs.uk/conditions/laxatives/#:%7E:text=Osmotic%20laxatives%20draw%20water%20from,brand%20names%20Duphalac%20and%20Lactugal">osmotic laxative</a>. It uses osmosis – how your body manages the balance of electrolytes in your blood serum – to soften your stools and treat constipation.</p> <p>When you swallow a drink with PEG 3350 the polymer isn’t absorbed by the body. Instead, as it passes through your intestines it draws water to it, making your faeces much more watery.</p> <p>Because it draws more water out of your body than you put into it from the drink, your weight goes down. That is, it just makes you dehydrated.</p> <p>This means any weight loss is likely to be short-lived; when you next drink, your body will retain more of the water to replace what was lost. To have any significant and sustained weight loss you’d need to take a lot of PEG 3350 every day. And at most, you would only lose a few kilograms.</p> <p>This is different to how <a href="https://www.nps.org.au/assets/medicines/42ccacc2-2326-42ad-ad14-abd6010499a4.pdf">Ozempic</a> works. Ozempic is similar to a family of hormones in your body called <a href="https://pubmed.ncbi.nlm.nih.gov/29364588/">incretins</a>. These have a number of actions that control both blood sugar levels and weight. For example, they slow how quickly food is absorbed from the stomach and decrease appetite, both of which help with sustained weight loss.</p> <h2>Dangers and side effects</h2> <p>PEG 3350 can make you <a href="https://www.healthdirect.gov.au/dehydration">dehydrated</a>. You may feel dizzy or light-headed, have a headache and have a dry mouth, lips or eyes.</p> <p>The concentration of electrolytes in your blood, such as salt, may also be too high (known as hypertonic blood serum).</p> <p>Hypertonic blood serum can affect the shape of your red blood cells, making it harder for them to carry oxygen around your body. This results in symptoms that include fatigue and tiredness, and those other symptoms of being dehydrated. In extreme cases it can result in <a href="https://psmf.org/story/emily-jerry/">death</a>.</p> <p>Incorrect levels of electrolytes can lead to other serious problems, affecting your heart and muscles. It can also lead to seizures, confusion, and coma.</p> <p>It can be dangerous to take PEG 3350 if you have heart disease, if your doctor has put you on a sodium-restricted diet, or if you already have an electrolyte disorder, such as <a href="https://www.healthdirect.gov.au/potassium">hyperkalaemia</a> (high potassium levels).</p> <p>These products are also dangerous for elderly people, those with kidney problems, and in very young children.</p> <p>Common side effects include anal irritation, vomiting, diarrhoea, nausea, cramps, pain, and swelling of your abdomen. Some people can have allergic reactions.</p> <p>If you use laxatives, including PEG 3350-based products, for a long period of time (over a period of weeks or months) then you may experience <a href="https://www.eatingdisorders.org.au/wp-content/uploads/2019/10/Eating-disorders-and-laxatives.pdf">withdrawal symptoms</a> if you stop taking them suddenly. These include constipation, bloating, weight gain and fluid retention.</p> <h2>In a nutshell</h2> <p>Overall, if you’ve been struggling with weight loss, then PEG 3350-based products are not a safe and effective solution. Any weight loss you experience will be temporary and may put your health at risk. Safer and more effective solutions are available.</p> <p>Eating healthily and exercising regularly are important first steps for anyone who wishes to lose weight. Otherwise, your GP or local pharmacist can help you with both lifestyle changes and medication options to help with weight loss.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/213457/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, Associate Professor of the Sydney Pharmacy School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, Associate Lecturer, Sydney Pharmacy School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-is-budget-ozempic-thats-all-over-social-media-can-it-help-me-lose-weight-213457">original article</a>.</em></p>

Body

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

<p><em><a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p> </p> <p>It’s no secret that the cost of living has increased substantially over the last year, with rises of between <a href="https://www.abs.gov.au/media-centre/media-releases/employees-annual-living-costs-highest-record#:%7E:text=%E2%80%9CLiving%20costs%20for%20employee%20households,per%20cent%20was%20in%201986.">7.1 and 9.6 per cent</a> for all households. So what can households do to manage these increases?</p> <p>It might sound simple, but starting with a budget is the best approach. Even if you already have a budget, price increases mean it will need to be updated. For those new to budgeting, it is just a list of your income and expenses.</p> <p>Make sure you match the frequency of these so you are working out your budget over a week, or a fortnight, or a month. There are plenty of budgeting apps and websites that can help, such as the <a href="https://moneysmart.gov.au/budgeting/budget-planner">Moneysmart budget planner</a>.</p> <p>Once your budget is up to date, you can see your financial position. Do you have a surplus of cash – congratulations! You can save that money to help you in an emergency.</p> <p>But what about if you have less income than expenses? You need to work through a process of figuring out where you can cut back.</p> <p>Some expenses are easy to cut back on:</p> <ul> <li> <p>If you have multiple streaming services, drop back to one at a time. Check for any other subscriptions you might be paying for – if you are not using them frequently, now is the time to cancel. You can always resubscribe when money isn’t tight.</p> </li> <li> <p>If you are spending a lot of money on take out or paying for lunch, find cheaper alternatives such as eating at home and packing a lunch using cheaper ingredients. Switch to tap water for normal drinks, and take a travel cup of coffee with you.</p> </li> <li> <p>Check and see if public transport is cheaper for you. If you are using a lot of fuel and paying for parking, public transport could be a better option.</p> </li> <li> <p>Groceries can be a huge cost for families. It is always worth shopping around to not pay full price. Understand unit pricing and buy the products you use when they are on special. It might be necessary to switch to cheaper products.</p> </li> <li> <p>Check if you are paying too much for your utilities like internet, electricity and gas. There are comparison websites you can use, including the <a href="https://www.energymadeeasy.gov.au/">Energy Made Easy</a> website. You can also make simple changes such as turning off lights and using a saucepan lid when boiling water that will reduce your usage.</p> </li> <li> <p>Check other products you might be paying for, such as car, home and health insurance to see if you can save money by switching. Be careful with any life or disability policies. It is best to speak to a financial adviser before changing those as there can be implications for cover.</p> </li> </ul> <p>Other expenses, like housing, can be a lot harder to manage.</p> <p>Rising interest rates have pushed up mortgage repayments for homeowners. Mortgage interest charges have <a href="https://www.abc.net.au/news/2023-05-03/record-high-living-costs-businesses-contracting-interest-rates/102296992">risen by 78.9% over the year</a> to March 2023. For many homeowners, their repayments are unaffordable compared to when they first took out their mortgage.</p> <p>If you are struggling to afford your mortgage, the first step is to talk to your lender as soon as possible. Moneysmart has <a href="https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage">useful information</a> on what to do when you can’t meet your mortgage payments.</p> <p>You may also be able to <a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-super/access-on-compassionate-grounds/access-on-compassionate-grounds---what-you-need-to-know/">access some of your superannuation</a> so you don’t lose your home, however bear in mind that this is a temporary solution and uses your retirement savings.</p> <p>Increased demand for rentals has seen average rents across Australia increase by <a href="https://content.corelogic.com.au/l/994732/2023-07-05/z2tcd/994732/1688600749Ly8Iv9wt/202306_CoreLogic_RentalReview_July_2023_FINAL.pdf">27.4% since the COVID pandemic</a>. Supply of rental properties is low, which means many people may not be able to find a suitable alternative if their rent increases and becomes unaffordable.</p> <p>It might be necessary to take on a housemate, or move to a cheaper location (make sure to consider additional costs such as transport). If your circumstances have changed suddenly and you cannot pay your rent, contact your landlord or property manager.</p> <p>If you are paying a lot in credit card or other personal debt repayments such as numerous Afterpay-style accounts, it could be a good idea to speak to a bank about consolidating.</p> <p>This can help move some expensive debt, such as that from credit cards, into lower interest debt and simplify your budgeting as there is only one payment. If debt is making your budget unmanageable, then you can call the <a href="https://ndh.org.au/">National Debt Helpline</a> or for First Nations Australians there is <a href="https://financialrights.org.au/getting-help/mob-strong-debt-help/">Mob Strong Debt Help</a>.</p> <p>A final option could be to increase your income by taking on more work. This can be a good solution, but if you already work full time it might be unsustainable. Two common side hustles to boost income are gig work, such as Uber driving, and multi-level marketing, which is selling goods like Doterra and Herbalife to family and friends.</p> <p>However, both are <a href="https://www.twu.com.au/wp-content/uploads/2023/03/McKell_QLD_Gig-Economy_WEB_SINGLES.pdf">low</a> <a href="https://eprints.qut.edu.au/216593/1/MLM_report_Print.pdf">paid</a> and in most cases you would be better off earning minimum wage as a casual employee.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, Lecturer, Department of Accounting, Finance and Economics, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/shop-around-take-lunch-catch-the-bus-it-is-possible-to-ease-the-squeeze-on-your-budget-210895">original article</a>.</em></p>

Money & Banking

"What am I going to do?”: Centrelink mother points out crucial flaw in new budget policy for parents

<p>An unemployed mother who relies on Centrelink benefits has broken down while noting a fatal flaw in Treasurer Jim Chalmers’ Federal Budget promises to parents.</p> <p>Jessica Blowers told ABC’s <em>Q&A</em> program that she will be forced off the Single Parent Payment when her daughter turns eight in August, leaving her unable to afford the rent increases.</p> <p>Currently, single parents can claim the Parenting Payment of $949.30 a fortnight until their youngest child turns eight. By September 2023, the age limit for the pay rise to when the youngest child is 14, as part of Chalmers’ budget.</p> <p>Ms Blowers is one of many copping the brunt of it as her daughter’s 8th birthday is four weeks before the new rules begin.</p> <p>She will also see a rent increase during that period from $900 a fortnight to $960.</p> <p>“What am I going to do? What is my choice, other than I am doing my best to get a job so that I can keep a house over my daughter's head,” she stressed to the treasurer.</p> <p>“When I'm applying for the jobs, I am faced with being told that more than 100 other candidates have applied for the same jobs - I'm not sure how I am supposed to compete against 100 other people for one job.”</p> <p>Ms Blowers added she “would like to know what measures the government has in place to bridge the gap that I and other parents in similar situations will find ourselves in”.</p> <p>“I don't have anywhere to go because I am paying my entire pension in rent. Everywhere else in Sydney is comparable to that.”</p> <p>Although sympathetic to her situation, Chalmers said those suffering like Ms Blowers were “the reason why we are lifting the age from eight to 14”.</p> <p>“This is something we were really keen to do in the Budget because we recognise the pressure that you are under as a single mum,” he explained.</p> <p>However, Chalmers was adamant that the new system could not be introduced any earlier than September 20, 2023.</p> <p>“We've tried to do is bring that change in as soon as possible. We think September is the soonest that we can do it,” he said.</p> <p>“I understand that that means a few weeks for you going from the current payment onto JobSeeker and (then) back onto the single parenting payment.</p> <p>“I would love to avoid that if we could, but what we're trying to do is provide this extra assistance ... that you need and deserve. If we could avoid those couple of weeks, we would, but September is the best we can do.”</p> <p>In total, some 57,000 single parents, 90 per cent of whom are women, will benefit from the new scheme.</p> <p>Previously they would have been moved onto the lower JobSeeker rate when their youngest child turned eight.</p> <p>“By age 14, children have typically settled into high school and need less parental supervision, and single parents are in a much stronger position to take on paid work," Prime Minister Anthony Albanese said when the policy was announced.</p> <p>Historically, the single parent payment was eligible for singles with children aged up to 16.</p> <p>But former prime minister John Howard, later supported by Julia Gillard, cut the age to eight in an attempt to encourage parents back into the workforce.</p> <p>Two advisory bodies have called for the government to extend the payment and the eligibility criteria.</p> <p>It is understood mutual obligation requirements will remain in order to continue encouraging parents to go back to work.</p> <p>Speaking to Nova radio in Perth, Mr Albanese explained he knew “firsthand what it's like to grow up with a single mum doing it tough”.</p> <p>“We want to look after single parents because we know that the role that they play in raising their children is such a priority for them and they’re deserving of more support,” he said.</p> <p><em>Image credit: ABC Q&A</em></p>

Money & Banking

Federal Budget 2023: How to make the most of the key promises

<p dir="ltr">Treasurer Jim Charles has handed down his first budget for 2023/24, offering a series of measures aimed at tackling the cost-of-living crisis.</p> <p dir="ltr">Millions of Australians will receive a boost from the federal government medical care, bills and welfare payments, amid the forecast that the budget will be be in the black with a surplus of $4bn.</p> <p dir="ltr">Here’s what it means for you:</p> <p dir="ltr"><strong>Bill help</strong></p> <p dir="ltr">Those who are on the pension, a seniors card holder or a recipient of family tax benefits A and B will be eligible to get help with energy bills thanks to a deal between the states and Commonwealth that’s worth $1.5bn.</p> <p dir="ltr">That means over five million eligible households and one million eligible small businesses will benefit from the scheme.</p> <p dir="ltr">The relief will come in the form of credits that apply directly to their power bills rather than cash, and the amount they receive will depend on the state they live in.</p> <p dir="ltr"><strong>Medicare Relief</strong></p> <p dir="ltr">The incentives paid to GPs who bulk bill 11.6m eligible Australians including children under 16, pensioners and other concession card holders will increase.</p> <p dir="ltr">GPs will be able to claim the incentives for in-person consultations over six minutes long and certain telehealth consultations.</p> <p dir="ltr">GPs who bulk bill patients in the city will be paid a new incentive of $20.65 compared to the previous rate of $6.60, while regional GPs will receive a $31.40 incentive, up from $10.05.</p> <p dir="ltr"><strong>Welfare recipients</strong></p> <p dir="ltr">Over 1.1 million vulnerable Australians will benefit from a $40 fortnightly boost from September, if parliament agrees.</p> <p dir="ltr">The increased base rate will apply to people receiving JobSeeker, Youth Allowance, Parenting Payment (partnered), ABSTUDY, Disability Support Pension (Youth) and Special Benefit.</p> <p dir="ltr"><strong>Rental assistance</strong></p> <p dir="ltr">For many renters, this budget means that rent is forecasted to increase over the next year as the market tightens.</p> <p dir="ltr">However, for those currently receiving the maximum Commonwealth Rent Assistance allowance their payments will increase by 15 per cent.</p> <p dir="ltr">Here’s what the Federal Budget will look like at a glance:</p> <ul> <li dir="ltr"> <p dir="ltr">Budget deficit of $13.9 billion in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth net debt to rise to $574.9 billion (22.3 per cent of GDP) in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Economic growth to fall to 1.5 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Unemployment rate to rise to 4.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Inflation as measured by CPI to be 3.25 per cent in 2023/24</p> </li> <li dir="ltr"> <p dir="ltr">Wages to rise by four per cent in 2023/24</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">And here are the key measures the federal budget has promised:</p> <ul> <li dir="ltr"> <p dir="ltr">Energy bill relief for five million households and one million businesses</p> </li> <li dir="ltr"> <p dir="ltr">Triple bulk-billing incentives and more funding for urgent care clinics</p> </li> <li dir="ltr"> <p dir="ltr">Base rate of JobSeeker and other payments to be raised for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Commonwealth Rent Assistant rise for 1.1 million households</p> </li> <li dir="ltr"> <p dir="ltr">Housing boost including tax breaks for build-to-rent investors</p> </li> <li dir="ltr"> <p dir="ltr">$4 billion extra for renewable energy</p> </li> <li dir="ltr"> <p dir="ltr">Tax breaks for small business to write-off assets and reduce energy costs</p> </li> <li dir="ltr"> <p dir="ltr">Targeted help for jobless aged over 55</p> </li> <li dir="ltr"> <p dir="ltr">Cut to cost of medicines</p> </li> </ul> <p><em>Image: Getty Images/ Martin Ollman / Stringer</em></p>

Money & Banking

Workers eligible for $10,000 salary bump in federal budget revealed

<p>Treasure Jim Chalmers has revealed the frontline workers who will receive a hefty pay rise in the federal budget to help with the cost of living pressures and improve equal pay for women.</p> <p>Some frontline workers will see a pay rise of $10,000 a year under the historic changes.</p> <p>It is part of the biggest pay rise to date for aged care workers that will distribute pay rises to 250,000 people working on the frontline to care for older Australians.</p> <p>Those eligible include nurses who could receive an extra $200 a week, enrolled nurses, assistants in nursing, personal care workers, head chefs and cooks, recreational activities officers (lifestyle workers) and home care workers.</p> <p>Under the changes, the following will secure a significant pay rise for working in aged care.</p> <ul> <li>A registered nurse on a level 2.3 aware wage will receive an additional $196.08 a week (more than $10,000 a year)</li> <li>An enrolled nurse on a level 2 award age will receive an additional $145.54 a week (more than $7500 a year)</li> <li>An assistant in nursing on a level 3 award wage will receive an additional $136.68 a week (more than $7100 a year)</li> <li>A personal care worker on a level 4 (aged care award) or a home care worker on a level 3.1 (SCHADS award) will receive an additional $141.10 a week (more than $7300 a year)</li> <li>A recreational activity officer on a level 3 (aged care award) will receive an additional $139.54 a week (more than $7200 a year)</li> <li>A head chef/cook on a level 4 (aged care award) will receive an additional $141.12 a week (more than $7300 a year)</li> <li> A staff member with a Certificate III qualification will see a change from $940 per week to $1,082</li> </ul> <p>Treasurer Jim Chalmers said it was hoped the investment would help the industry retain staff and lure new employees to the sector.</p> <p>“Every worker deserves a fair day’s pay for a fair day’s work and that’s what this will deliver for thousands in aged care across the country,’’ he said.</p> <p>“For too long, those working in aged care have been asked to work harder for longer without enough reward but with this Budget, that changes.</p> <p>“This investment recognises the incredible contribution that aged care workers make to our economy and community and will help to create a bigger incentive for young Australians looking for a rewarding career to pick aged care in the future.”</p> <p>Anika Wells, Minister for Aged Care, said the increase in pay reflected that aged care was physically and emotionally demanding work.</p> <p>The 15 per cent pay rise means that a staff member with a Certificate III qualification moves from earning only $940 per week to $1,082.</p> <p>“This record $11.3 billion investment is a historic and deserved pay rise for a workforce undervalued for far too long,’’ she said.</p> <p>“Fair wages play a major role in attracting and retaining workers to provide around the clock care for some of Australia’s most vulnerable people.</p> <p>Health and Aged Care Minister Mark Butler said the pay rise would make history.</p> <p>The wage increase is designed to help women and families struggling with the cost of living crisis and ensure that quality aged care workers are less inclined to consider leaving the sector over pay concerns.</p> <p>“Our commitment is long overdue recognition of the skilled work our aged care workers deliver day in, day out,’’ he said.</p> <p>Other workers in the budget are expected to include older Australians who are seeking employment and they will receive pay rises if they are over 60 but not yet eligible for the aged pension.</p> <p>The Albanese Government are also expected to boost payments for single parents after former Prime Minister Julia Gillard introduced changes to force parents - particularly women - to return to work earlier.</p> <p><em>Image credit: Getty</em></p>

Money & Banking

Tips for eating a healthy diet on a tight budget

<p>When you’re on a tight budget, the idea of coming up with tasty, healthy meals on a regular basis can sometimes seem beyond us! We easily fall prey to slick grocery marketing, and when it comes to fitting meal preparation into our day, it’s easy to fall into a rut, succumbing to quick fix fast foods again and again.</p> <p>The good news is, you can be thrifty and healthy – with a little organisation and creativity, you can enjoy first class meals on a smart saver’s budget.</p> <p>Here’s a selection of tips to help with your creative cuisine challenge:</p> <ul> <li>A golden rule is don’t shop when you’re hungry, as you’re more likely to buy things you don’t need. Shop with a list rather than buying on the spur of the moment.</li> <li>Buy fresh fruit and vegetables that are in season, and only enough for a week or so, as they go off quickly.</li> <li>Buy generic, no name and home brands where possible, especially for items where you’re not fussed about having the absolute best quality.</li> <li>Add some canned kidney beans, chick peas, lentils or other legumes to mince dishes or stews to make the meal go further. Canned beans are cheap, handy and healthy – a great addition to salads and other meals.</li> <li>Buying in bulk is almost always cheaper. It’s a great idea to buy non-perishable items in bulk (canned foods, dried beans and grains etc.), and you can freeze perishable items such as meat and bread in smaller portions to use as needed.</li> <li>When cooking a big meal, make extra to freeze or use later in the week for lunches or quick suppers. Double recipes, then freeze half.</li> <li>Use less expensive cuts of meat for casseroles that you slow cook; add extra vegetables and beans to make the meal go further.</li> <li>Look at purchasing perishables like meat and sushi at the end of the day when there are often clearances of stock close to use by dates.</li> <li>Check supermarket catalogues for specials and identify any products that you need before you go shopping.</li> <li>Buy block cheese and grate it yourself.</li> <li>Preserve when it’s cheap. Depending on your storage capacity, bottling, drying and freezing fresh fruits and vegetables is an excellent way to cash in on seasonal foods that are lower in cost but higher in taste and nutrition.</li> <li>Brown rice is a great addition to leftover meat and veggies. Although brown rice is slightly more costly than white, the nutritional payoff is well worth it.</li> <li>Pasta, likewise, is quick and easy to prepare, and can be paired with veggies, meat or a fresh salad. Have fun adding your own dash of inspiration (mushrooms, spices and herbs.) Choose wholemeal pasta when you can.</li> <li>Always keep spices, herbs and sauces handy – they can brighten up simple dishes.</li> <li>Bake your own goodies – that way you can make sure everything that goes into them is more nutritious. Plus, they are generally cheaper and tastier than store bought varieties.</li> <li>Soups can’t be beaten for nutrition and convenience, especially since you can use inexpensive soup mixes as your base. At the end of the week, make soup out of all your leftover veggies instead of throwing them out, and freeze anything you won’t eat in a few days. You can find great ideas on the internet by searching for recipes containing whatever you have in the fridge. Again, be creative, adding your own herbs and spices.</li> </ul> <p><em>Image credits: Getty Images</em></p>

Food & Wine

8 ways to stretch your cruise budget

<p>When it comes to cruising there are plenty of ways you can make your budget stretch further without have to give up on the quality of holiday you want to have.</p> <p><strong>Be flexible</strong></p> <p>You can snag a great deal if you’re flexible with dates and open to new destinations. Fares can fluctuate on a daily basis so, if you aren’t locked in to a certain schedule, you could grab a great last minute bargain. Plus, you might discover an amazing new destination you’d never thought of.</p> <p><strong>Shop the sales</strong></p> <p>The cruise industry has sales on all year round and plenty of cruise lines, travel agents, forums and cruise websites will have deals pages or newsletters you can sign up to. If you stay abreast of all the special offers that are coming out, you can be sure to grab the best one.</p> <p><strong>Buy a package</strong></p> <p>Dining at the main restaurants will be included in your fare, but each ship will have a few specialty restaurants that come at an extra charge. If you want to try them all, buy a package that will come at a significant discount. Same goes for alcohol. If you think you’re likely to drink a few cocktails in the afternoon and wine with dinner, buy a daily drinks package to lower the cost.</p> <p><strong>Save on port days</strong></p> <p>Onboard spas are expensive, often even more expensive than you would find on shore. But most ships will have specials on offer during port days when most people are off the ship. If you don’t mind missing the destination you can get a great deal. The onboard shops will often have special sales or events on port days too. Check your daily cruise calendar.</p> <p><strong>Watch your tips</strong></p> <p>Almost all lines will add a daily gratuity to your account, usually around $12to 15 per person per day. You’ll also find an extra 15 to 18 per cent gratuity added to bar bills or spa treatments. That means you don’t have to tip any extra – even though they leave a space for it on the bill. You don’t want to end up tipping 30 per cent on a round of beers.</p> <p><strong>Disconnect at sea</strong></p> <p>Internet and phone calls are the two most expensive things on a cruise – which makes sense when you realise you’re in the middle of the ocean. Mobile roaming charges are steep and cruise ship wifi extortionate, so the best thing to do is unplug your devices. You can always find a free wifi hotspot or payphone when you’re on shore.</p> <p><strong>Guide yourself</strong></p> <p>Shore excursions are a great way to experience a port, but they can also be really expensive. And many of them aren’t worth the money, like beach days or city bus tours. At most places you can get a taxi to take you to the beach for a fraction of the price or find a local bus that will take you on the same route. Do a little internet research before you go and reap the rewards.</p> <p><strong>Use an agent</strong></p> <p>A lot of money saving tactics come from a little DIY, but using a specialist cruise travel agent can actually save you money in the long run. They will help you find the right ship, the right cruise and the right cabin, plus they will know how to take advantage of the added value extras that cruise lines always have on offer.</p> <p><em>Image credits: Shutterstock</em></p>

Cruising

3 budget-friendly overseas holidays destinations

<p>You don’t have to rob a bank to go on an overseas trip. While you may be pinching pennies for retirement that doesn’t mean that a holiday is out of the question.</p> <p>Jetting off somewhere doesn’t have bleed you dry, actually, there are quite a few spectacular, great-value overseas destinations that allow you stretch your purse strings without making a dent in your savings. Why not consider one of these:</p> <p><strong>Northern Ireland</strong></p> <p>With many affordable guesthouses near Antrim’s seaside Giant’s Causeway and budget flight options, there are many great deals for a holiday in Northern Ireland. Make sure you see Pritzker-winning architect Zaha Hadid's cutting-edge Titanic Belfast museum, which brings fresh life to the dockyard where the doomed cruise liner was built.</p> <p>You’ll also want to make sure you take in the astounding interlocking rock columns of Antrim.</p> <p><strong>India</strong></p> <p>If you travel outside of the tourist favoruties – Mumabi and Delhi – there are many hotels that are reasonably priced if not utterly cheap. And the country has lots of landscape and culture for the buck. If you travel around by train and dine at low-key local places it will not only make you trip more authentic, but your pennies will go further.</p> <p>From lounging on the beaches of Goa to affordable skiing on Himachal Pradesh, there are many budget-friendly options including staying at Rajasthan's former palaces and living like a maharaja for less.</p> <p><strong>Laos</strong></p> <p>With better deals than Thailand, with its natural beauty and friendly locals, Laos is somewhat a majestic destination. With its sleepy riverfront and statue-decorated Buddha Park, Vientiane – the capital of Laos – offers much to be explored that you don’t have to pay for.</p> <p>Observe saffron-robed monks at dawn moving gracefully around the temple-filled holy town of Luang Prabang, or discover dramatic megalithic stone vessels, believed to be funerary urns, in the Plain of Jars.</p> <p><em>Image credits: Getty Images</em></p>

International Travel

“Budget queen”: Mother shares insane shopping hack

<p>A Sydney mother has caught the attention of the internet after sharing her grocery haul for her family of nine.</p> <p>The mother spent under $250 on her shop from Woolworths and Aldi.</p> <p>She claims it will provide a total of 12 dinners and “a bunch” of snacks for school over the next fortnight.</p> <p>She mentioned that a year ago the same grocery shop would have cost significantly less as the cost of living crisis continues to soar.</p> <p>“So we are a family of nine, two adults, two teenage girls (19 and 13) four boys (11, nine, six and four) and a nearly four month old who will be starting on puree food next week,” she said.</p> <p>“Only a year ago this would have been around $175. This will make 12 dinners and a bunch of school snacks.</p> <p>“Normally I also buy around three to four packs of winter vegetables from Aldi, but they have sold out. I also normally go to Hunter and Gather to buy all our fresh fruit and vegetables. We buy milk when needed.</p> <p>“We buy bulk items like toilet rolls and laundry powder at Costco twice a year, which a 60pk of toilet paper would last around five months and the laundry powder around seven months.”</p> <p>The mother is currently on maternity leave, which in turn has her feeling the pinch even more, and she aims to keep her family’s “bellies fuller for longer”.</p> <p>“We try to keep to foods that are healthy and will keep our bellies fuller for longer. If I can hide veggies in it, it's a bonus.”</p> <p>She plans to use the ingredients to make meals that will last a fortnight such as devilled sausages, supergreen spaghetti, Irish stew and flaxseed chicken wraps.</p> <p>The kids’ school lunches include ham, cheese and a wrap with hummus. Lunchbox snacks vary from oat brownies to apple sauce muffins and lemon and almond meal cake, with fruit also.</p> <p>“The school snacks are a deal breaker. oats are so cheap and you can make so much with them and they are a real hunger tamer. I’ve always been a huge fan of baking because of my mum, so I make all my kids snacks.”</p> <p>The online community praised her price-cutting hacks, with one user labelling her the “budget queen”.</p> <p>A second commented, “Wow, wow, wow, I spend well over that a week for a family of four”.</p> <p>And a third said, “I’m taking note! We have two adults, two children under five and a dog and I spend $220 a week. I’m so impressed!”</p> <p>“That’s a well planned shop” another said. “Good on you for making it work at that price for that many people. Sadly in my house we are 2x dairy allergy and 2x lactose intolerant so I can only dream of that budget.”</p> <p><em>Image credit: Facebook</em></p>

Money & Banking

Tips for travelling on a budget

<p dir="ltr" role="presentation"><strong>1. Plan, plan, plan</strong></p> <p dir="ltr">Get your affairs in order! Travelling spontaneously is wonderful but it's not a smart move if you’re on a budget. Make sure you know exactly how long you’ll be staying at each location, and learn the best route of transport. Then, you can calculate your travel expenses before you even leave. </p> <p dir="ltr"><strong>2. Travel out of peak season</strong></p> <p dir="ltr">This will always be the cheaper option. Avoid travelling during school holidays because the industry tends to increase prices. Instead, research the best time to visit your location and travel before or after those dates. </p> <p dir="ltr"><strong>3. Book flights in advance</strong></p> <p dir="ltr">Try to book your flights well in advance. Booking flights closer to your day of departure will always come at a higher cost.</p> <p dir="ltr"><strong>4. Be food savvy</strong></p> <p dir="ltr">Rather than going to a cafe or restaurant where the prices may be high, wander around and find low-cost eateries. Do your research to learn what is and isn’t considered costly at your intended destination.</p> <p dir="ltr"><strong>5. Pack sensibly</strong></p> <p><span id="docs-internal-guid-ba14c101-7fff-c948-fe3b-865678dd1f2b"></span></p> <p dir="ltr">Make sure you’re packing absolutely everything you need. You don’t want to be caught out, especially in a foreign country. It's also a good idea to research the weather conditions for every intended stop.</p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Travel Tips

Top 10 tips to keep cool this summer while protecting your health and your budget

<p><a href="https://theconversation.com/profiles/ross-gordon-404681">Ross Gordon</a>, <em><a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em>; <a href="https://theconversation.com/profiles/gordon-waitt-191636">Gordon Waitt</a>, <em><a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em>, and <a href="https://theconversation.com/profiles/theresa-harada-128927">Theresa Harada</a>, <em><a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>With energy prices and temperatures both rising, keeping cool in summer is an increasingly costly challenge for many Australians. Energy bills are predicted to increase <a href="https://7news.com.au/politics/aussies-hit-with-another-cost-of-living-blow-as-power-prices-tipped-to-rise-by-50-per-cent-c-8657366">by 50%</a> over the next two years, adding to the <a href="https://www.theguardian.com/australia-news/2022/nov/14/five-australians-managing-cost-of-living-crisis-housing-food-prices-inflation">cost-of-living crisis</a>. For some, this creates <a href="https://energyconsumersaustralia.com.au/news/putting-people-in-control-of-energy-use-is-our-most-urgent-national-energy-priority">stark choices</a> between paying energy bills or putting food on the table.</p> <p>Many households will have to contend with <a href="http://www.bom.gov.au/climate/ahead/outlooks/">high temperatures</a> this summer, and it’s getting hotter by the year. Last summer Onslow, Western Australia, endured the <a href="https://www.abc.net.au/news/2022-01-15/wa-onslow-50-degrees-dangerous-temperature-australians-get-used/100757256">highest temperature</a> ever recorded in Australia at <a href="https://www.abc.net.au/news/2022-01-15/wa-onslow-50-degrees-dangerous-temperature-australians-get-used/100757256">50.7℃</a>. <a href="https://www.science.org.au/supporting-science/science-policy-and-analysis/reports-and-publications/risks-australia-three-degrees-c-warmer-world">Research</a> suggests climate change will lead to summer temperatures as high as 50℃ becoming <a href="https://theconversation.com/seriously-ugly-heres-how-australia-will-look-if-the-world-heats-by-3-c-this-century-157875">common</a> in Sydney and Melbourne.</p> <p>Australians need to take the risks of heat seriously and do what they can to keep their homes cool. As the World Health Organization <a href="https://www.who.int/health-topics/energy-and-health#tab=tab_1">points out</a>, energy and health are inextricably linked.</p> <p>So, while <a href="https://www.energy.gov.au/government-priorities/australias-energy-strategies-and-frameworks">energy policy</a> often focuses on managing costs and reducing energy use in the name of climate action, we should not forget the <a href="https://www.healthdirect.gov.au/hot-weather-risks-and-staying-cool">impacts of heat on health</a> and wellbeing. Fortunately, there are things Australians can do to keep cool this summer while managing their energy bills.</p> <h2>So how do you keep cool on a budget?</h2> <p>Based on our <a href="https://research.qut.edu.au/social-marketing-research-group/publications/">research</a> and the available evidence, our team has developed several resources including <a href="http://www.energyplusillawarra.com.au/?page_id=82">newsletters</a>, <a href="http://www.energyplusillawarra.com.au/?page_id=84">videos</a> and <a href="https://research.qut.edu.au/social-marketing-research-group/news-events/">brochures</a> on managing energy use while staying cool.</p> <figure><iframe src="https://www.youtube.com/embed/_bxSBPKDGAQ?wmode=transparent&start=91" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">A mix of approaches can help strike a balance between staying comfortable and keeping costs down.</span></figcaption></figure> <p>Here are our top ten tips:</p> <p><strong>1. Insulate your home.</strong> <a href="https://www.yourhome.gov.au/passive-design/insulation">Insulation</a> is often the most practical and effective way to make a home more energy-efficient. It’s a barrier to heat gain in summer (and loss in winter). Sealing gaps around <a href="https://www.sustainability.vic.gov.au/energy-efficiency-and-reducing-emissions/building-or-renovating/key-principles-of-energy-efficient-design/planning-and-design/insulation/draught-proofing/seal-gaps-around-doors-and-windows">windows</a>, doors, walls and <a href="https://www.sustainability.vic.gov.au/energy-efficiency-and-reducing-emissions/building-or-renovating/key-principles-of-energy-efficient-design/planning-and-design/insulation/draught-proofing/seal-gaps-around-walls-and-floors">floors</a> can make a big difference.</p> <p><strong>2. Shade helps keep your home cool.</strong> External shading of windows can block up to 90% of unwanted heat gain. Awnings, adjustable shutters and trees (ideally deciduous so they don’t block winter sun) and vegetation around windows can help block out the summer sun.</p> <p><strong>3. Close windows, curtains and blinds during the day.</strong> Blocking the sunlight stops heat from getting into your home. Thermally insulated double-glazed or secondary-glazed windows also help, as do honeycomb/solar blinds and blackout curtains with white backing.</p> <p><strong>4. Open doors and windows when the air is cooler outside.</strong> Opening up the house at the right times helps cool it down when the building is retaining heat during a warm spell. The coolest part of the day is usually between 4am and 7am, so if you are an early riser this is a good time to open up and let cool air in. Cool breezes often occur in the late afternoon or early evening, providing another good opportunity to cool your home.</p> <p><strong>5. Stay hydrated.</strong> Hydration is important for health and wellbeing, especially during summer. If you don’t drink enough water, you can start to feel unwell including symptoms of tiredness and headaches. Women need about eight cups or 2 litres, and men need about ten cups or 2.5 litres of fluid <a href="https://www.healthdirect.gov.au/drinking-water-and-your-health">every day</a>. Beverages with alcohol, caffeine or sugar are not as good for keeping you hydrated – water is best!</p> <p><strong>6. Wear suitable clothing.</strong> Natural fabrics such as cotton and linen absorb sweat and allow air to circulate against your skin. These are much <a href="https://www.bbcgoodfood.com/howto/guide/how-keep-cool-heatwave">better</a> than synthetics, which can leave you feeling hot and uncomfortable.</p> <p><strong>7. Personal cooling practices can help.</strong> Using a <a href="https://www.healthdirect.gov.au/hot-weather-risks-and-staying-cool">spray bottle</a> or a wet washcloth for your face and neck can help take the edge off the heat, as can a lukewarm bath or shower. <a href="https://www.intheknow.com/post/taking-naps-cools-body-heat-wave-tiktok/">Rest</a>, if possible, during the hottest part of the day – usually 11am-4pm. Vigorous physical activity at these times on hot days can be <a href="https://www.betterhealth.vic.gov.au/health/healthyliving/how-to-cope-and-stay-safe-in-extreme-heat">damaging</a> for your health.</p> <p><strong>8. Visit <a href="https://youtu.be/qRV_8aH0dhk?t=257">cool public places</a>.</strong> When your home gets too hot, air-conditioned sanctuaries include shopping malls, libraries, galleries and eateries.</p> <p><strong>9. Switch on fans.</strong> Fans are a cheap and <a href="https://research.qut.edu.au/social-marketing-research-group/wp-content/uploads/sites/331/2022/06/Cooling.pdf">effective</a> way to keep cool. The air flow provides a similar improvement to comfort as reducing the air temperature by around 3℃. Direct the air flow to your face because the face has so many receptors on it. If the outside temperature is lower than in your home, place your fan next to an open window to draw in cool air.</p> <p><strong>10. Think twice about switching on air conditioners.</strong> An <a href="https://youtu.be/_bxSBPKDGAQ?t=120">air conditioner</a> typically uses ten times more energy than a fan. Try using a fan in combination with an air conditioner. This means you can set the air conditioner to a higher temperature in summer (add at least 3℃) and still benefit. The combined cost will be far lower than running the air conditioner alone set at a lower temperature. For efficient air conditioning, your home or room should be well sealed and well insulated, and windows should be shaded from the sun.</p> <h2>Keeping cool can protect your health</h2> <p>If, to save on energy costs, households don’t cool their homes, the consequences can be more serious than being a bit uncomfortable.</p> <p>Our <a href="https://journals.sagepub.com/doi/abs/10.1177/0263775820961397">research</a> found energy consumption is important for families to care for children, cook and eat well, and live comfortably in the family home. We also <a href="https://www.sciencedirect.com/science/article/pii/S027795362200020X">found</a> that for older Australians energy is vital for preventing ill health and death, managing illness or disease, supporting good mental health and sustaining social relationships. But our research shows people <a href="https://www.sciencedirect.com/science/article/abs/pii/S0301421515302093">worry</a> about the costs and need <a href="https://energyconsumersaustralia.com.au/great-grants/exploring-the-nexus-of-energy-use-ageing-and-health-and-wellbeing-among-older-australians">support</a> to use energy to maintain their health and well-being.</p> <p>Heat exposure can <a href="https://www.who.int/health-topics/heatwaves#tab=tab_1">cause</a> dehydration, heat exhaustion and stress. It can also worsen existing <a href="https://www.health.nsw.gov.au/environment/climate/Pages/how-climate-can-affect-health.aspx">health problems</a> such as heart and lung disease. As a result, heatwaves <a href="https://bmchealthservres.biomedcentral.com/articles/10.1186/s12913-022-08341-3">significantly increase</a> hospital admissions and deaths, killing <a href="https://www.sciencedirect.com/science/article/pii/S2212420921006324">354 people</a> in Australia between 2000 and 2018.</p> <p>Hot nights can also cause <a href="https://www.theguardian.com/environment/2022/may/20/global-heating-cutting-sleep-study-health-impacts">poor sleep</a> and have <a href="https://www.sciencedirect.com/science/article/pii/S0033350618302130?casa_token=myga3j6buToAAAAA:NW4Uv_qdbp7roLwcL4x-aGbzy6im8Gb3DKaD-9VZnAX6_T_GbdIJzKUWrOHue46iO1qiEhVdIQ">harmful impacts</a> on mental health. So, to protect your health, do what you can to keep cool this summer.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/193723/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/ross-gordon-404681">Ross Gordon</a>, Professor, School of Advertising, Marketing & PR, <em><a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em>; <a href="https://theconversation.com/profiles/gordon-waitt-191636">Gordon Waitt</a>, Professor of Geography, <em><a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em>, and <a href="https://theconversation.com/profiles/theresa-harada-128927">Theresa Harada</a>, Research Fellow at Australian Centre for Culture, Environment, Society and Space, <em><a href="https://theconversation.com/institutions/university-of-wollongong-711">University of Wollongong</a></em></p> <p>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/top-10-tips-to-keep-cool-this-summer-while-protecting-your-health-and-your-budget-193723">original article</a>.</p> <p><em>Image: Getty</em></p>

Home Hints & Tips

3 ways to save money without sacrificing your social life

<p><span>It’s hard to stay social when you’re trying to curb expenses. However, there are tricks that will allow you to spend some quality time with friends and loved ones without having to feel like you’re throwing money down the drain.</span></p> <p><strong><span>1. Be honest, be positive</span></strong></p> <p><span>You don’t have to make flimsy excuses to avoid going out – be open about your intentions, but frame it positively. Instead of saying “these events are too expensive”, you can tell them, “I’m trying to be really good at saving and staying home these days”. While it may be uncomfortable to say no to invites outright, your friends may turn out to be more supportive to your goals than you expected.</span></p> <p><strong>2. Provide alternatives</strong></p> <p><span>Fill your social calendar with free or cheap activities. This could be a visit to the new art exhibition in your city, a potluck picnic at the park, a hike by the mountains, a game night at your home, and more. Don’t forget to look out for special promos and discounts on popular websites like Groupon or Scoopon for more affordable options.</span></p> <p><strong>3. Put it in the budget</strong></p> <p><span>Don’t want to skimp on your bar outings or group classes? It’s time to look at your budget. Once you determine the amount you need to save every month, set aside some of the rest for fun-related expenses. Budgeting allows you to figure out your priorities and stay within the limits. Stick to your allocated budget well – once it’s out, do not extend it any further!</span></p>

Retirement Income

6 simple steps to make your travel budget go further

<p>We’ve all got jet-setting friends who always seem to be off on a new trip around the world. At times it feels as though they’re on holidays forever, and goodness knows how the pay for it all.</p> <p>But we think if you broke it down, you’d find there’s not a huge difference between your finances and what they’re working with. They might just be a little better at the planning side of things. We’ve put together six tips for planning and budgeting your next trip. By incorporating some of these ideas into your trip planning, you will find your holidays will last longer than ever! </p> <p><strong>Go at the right time of year</strong></p> <p>Often with tourists locations there’s a peak season to visit. More tourists will be travelling to the destination and as a result prices for everything from hotels to airfares and even the meal at your restaurant can be significantly higher. </p> <p>For this reason, it’s important to do your research when planning your trip and if you can be flexible go at a time where there won’t be too many tourists.</p> <p><strong>Pay attention to the exchange rates</strong></p> <p>When you’re figuring out exactly where you want to go it is definitely worth keeping an eye on the local exchange rage and understanding how our dollar is performing. </p> <p>You may find that if our dollar isn’t facing too strongly against a particular currency it may be worth considering alternate plans that will give you a little more bang for your buck when you’re headed overseas.</p> <p><strong>Figure out how much you’re going to spend before you leave</strong></p> <p>If you set an upper limit on the amount you want to spend before you leave, odds are you will be able to find it easier to reign in your spending. Get a pen and pad out and make some estimations as to how much everything is going to cost before you set your plans in stone. </p> <p>By doing this, it will probably also be easy to identify areas in which you can actually save some money.</p> <p><strong>Figure out a daily budget and stick to it</strong></p> <p>Have a frank discussion with yourself about what this trip is and what you actually want to achieve out of it. Is it going to be a cheap jaunt through South East Asia or a luxurious exploration of Europe? </p> <p>By figuring out what your daily budget is and how much money you can afford to spend on a daily basis you will be well placed to make sure your spending doesn’t get out of hand while overseas.</p> <p><strong>Research and explore alternate routes</strong></p> <p>If you’ve been budgeting your trip out and you’ve started to come to the conclusion that this one might be a little bit out of your price range, don’t be afraid to do a little bit of extra research and explore some alternatives. </p> <p>You’ll probably find there are some alternative trips that are available that won’t cost you nearly as much to embark upon and give you plenty of loose change to enjoy.</p> <p><strong>Make sure you have enough money to be flexible</strong></p> <p>That being said, it’s important to have a good time when you’re away on your trip and in the end of the day money is just money. </p> <p>What’s more important is having an amazing experience while you’re away, so when you’re budgeting your trip out make sure you include enough money to be flexible in your trip and be taken by any whims that might catch your fancy while abroad.</p> <p><em>Image credits: Getty Images </em></p>

Travel Tips

13 budget beauty tricks

<p>There are plenty of beauty tips that are not worth listening to. Who actually throws out their mascara after three months? Do you really need to buy enough make-up brushes to rival an artist's palette? And will putting strawberries all over your teeth really give you a smile to rival Lucille Ball’s? It’s all a bit too hard.</p> <p>Use these simple, DIY tricks to save your time, money and effort.</p> <ol> <li>To avoid lipstick on your teeth, after applying your lippie stick your finger in your mouth and pull it out. This way your finger will take the excess product, not your teeth. </li> <li>Concoct your own plumping lip venom (and save yourself $30) by adding a drop of cinnamon or peppermint oil to your lip colour.</li> <li>Vaseline costs you pocket change and has to be the most hard-working beauty products out there. Apply to lashes before bed to make them grow longer and thicker over time, use it to tame unruly eyebrows, apply to pulse points before spritzing your perfume to make the scent last longer, combine with sea salt to make a scrub and mix with lipstick to make a subtle cream blush.</li> <li>Don't have a curler? Give yourself groovy, long-lasting waves by flat-ironing your braids with your hair straightener. Avoid making the braids too tight lest you like the crimped look.</li> <li>Don't listen to Sally Hansen when she says you need to buy cuticle cream. Eye cream applied to your nail beds serves the same purpose.</li> <li>While towels cause static and friction, drying your hair with a cotton T-shirt eliminates the frizz factor completely.</li> <li>A light dusting of baby powder between coats of mascara creates fullness you have not dared to even dream of.</li> <li>There's nothing worse than blotches of dry shampoo that could be mistaken for dandruff. Always apply it the night before, not the morning of, to prevent product build-up.</li> <li>Want to give your lipstick long-wear power? After applying, hold a tissue over your lips and lightly dust with translucent powder to set the colour.</li> <li>Got a spot of foundation on your white shirt? A touch of shaving cream on a damp cloth should clear it right up.</li> <li>You can reduce hair static and fly-aways by slicking it with a dryer sheet.</li> <li>There's no tougher wait than the time it takes your conditioner to work or your manicure to dry. Cut that drying time in half by dunking your nails in a bowl of cold water for two minutes shortly after painting.</li> <li>Had a messy experience with leaky products in your suitcase? Hasn't everyone? Just unscrew the caps, place a layer of cling film over the top and screw them back to prevent any liquid from ruining your trip.</li> </ol> <p><em>Written by Kathleen Lee Joe. First appeared on <a href="http://Stuff.co.nz" target="_blank" rel="noopener">Stuff.co.nz.</a></em></p> <p><em>Image credits: Getty Images</em></p>

Beauty & Style

This was supposed to be a "wellbeing budget" – so why does it feel like the arts have been overlooked?

<p>The first Labor federal budget has come down, but the arts are almost nowhere to be seen. </p> <p>According to Arts Minister Tony Burke, the government is waiting for its <a href="https://www.abc.net.au/news/2022-08-25/australia-new-national-cultural-policy-arts-minister-tony-burke/101363244">new cultural policy</a>, to be delivered later this year. </p> <p>Only then will we know if the government is going to take any real action to address the disastrous issues in the arts sector.</p> <p>Given the emphasis in the budget on addressing issues around “<a href="https://theconversation.com/wellbeing-its-why-labors-first-budget-will-have-more-rigour-than-any-before-it-187160">wellbeing</a>”, it is worrisome we have longer to wait before issues in the arts are addressed by the Labor government.</p> <p>It took the Coalition government more than seven months to announce <a href="https://theconversation.com/too-little-too-late-too-confusing-the-funding-criteria-for-the-arts-covid-package-is-a-mess-145397">any real relief</a> to the sector during COVID, by which time many individuals and organisations had given up. Timing is everything when people are desperate.</p> <p>What are the issues in the arts? Where do we start?</p> <p>There is the continued <a href="https://theconversation.com/federal-arts-funding-in-australia-is-falling-and-local-governments-are-picking-up-the-slack-124160">funding decline</a> and support of the arts over the past 15 years, the defunding of <a href="https://www.theguardian.com/culture/2020/apr/06/we-are-witnessing-a-cultural-bloodbath-in-australia-that-has-been-years-in-the-making">respected arts organisations</a> by the Australia Council since 2016, the <a href="https://www.theguardian.com/culture/2016/may/19/the-70-drop-australia-council-grants-artists-funding-cuts">dramatic decline</a> in funding support for individual artists, the <a href="https://www.aph.gov.au/Parliamentary_Business/Committees/House/Communications/Arts/Report/section?id=committees%2freportrep%2f024535%2f78295">dire impact</a> of the pandemic, and the need to recognise that cultural value is not the same as economic value, and both are needed. </p> <p>Individuals who work in the arts are highly skilled and talented. Acknowledging their labour as important and valuable is just the beginning. </p> <p>Our artists are another aspect of our national wealth. Australia cannot afford to ignore them.</p> <h2>The small budget measures</h2> <p>Nevertheless, the government has taken action <a href="https://edm.arts.gov.au/link/id/zzzz6358681e8d16a669Pzzzz57fd70ef2def1829/page.html">in some areas</a>. </p> <p>This budget sees:</p> <ul> <li> <p>A$83.7 million in restorative funding to the ABC</p> </li> <li> <p>$5 million to the <a href="https://edm.arts.gov.au/link/id/zzzz6358681e96d03256Pzzzz57fd70ef2def1829/page.html">National Aboriginal and Islander Skills Development Association Dance College</a></p> </li> <li> <p>$2.4 million to <a href="https://edm.arts.gov.au/link/id/zzzz6358681e97fc8205Pzzzz57fd70ef2def1829/page.html">Bundanon</a>, an organisation providing artist residencies, an education centre, a gallery and other facilities in regional New South Wales</p> </li> <li> <p>$5 million to the <a href="https://edm.arts.gov.au/link/id/zzzz6358681e991bc782Pzzzz57fd70ef2def1829/page.html">National Institute of Dramatic Art</a> (NIDA) to support ongoing delivery of its courses, and</p> </li> <li> <p>$2.4 million over four years from 2022-23 to offset the impact of the efficiency dividend on <a href="https://edm.arts.gov.au/link/id/zzzz6358681e9a735443Pzzzz57fd70ef2def1829/page.html">national performing arts training organisations</a>.</p> </li> </ul> <p>The budget also reflects the merging of Creative Partnerships Australia with the Australia Council.</p> <h2>Creative Partnerships Australia</h2> <p>Creative Partnerships Australia costs the government around $4-5 million a year, so this merging will bring around $15 million to the Council over the next three years. </p> <p>Creative Partnerships Australia grew out of the Australian Business Arts Foundation (AbaF), an initiative of the Howard government. Its mandate was to promote and facilitate private sector support for the arts and initially it focused on encouraging businesses to engage with the arts. </p> <p>From 1998 to 2012, AbaF was driven through a council of business representatives, who committed $10,000 each and actively advocated for business partnerships with arts organisations. This council provided a rich resource base of potential benefactors and in its early days <a href="https://www.businessnews.com.au/article/AbaF-support-passes-20m">was successful</a> at doing this. A separate arts philanthropy organisation, Artsupport Australia, sat under the Australia Council with AbaF support.</p> <p>In 2012 Simon Crean, then arts minister, decided to excise Artsupport Australia from the Australia Council and re-orientate AbaF by <a href="https://www.danceaustralia.com.au/news/new-body-to-promote-private-arts-support">rebranding it</a> as Creative Partnerships Australia. Creative Partnerships Australia since then has had a primary focus on philanthropic support for the arts, and unlike AbaF, also distributes Commonwealth funds through grant programs.</p> <p>Unlike the Australia Council, Creative Partnerships Australia is based in Melbourne (rather than Sydney), with staff also located in other cities. This means it has more immediate contact with its arts constituents outside Sydney. </p> <p>The organisation has run many workshops over the years to develop fundraising skills for the arts, and has also been the home of the <a href="https://australianculturalfund.org.au/about/">Australian Cultural Fund</a>, which allows for donations to be given to individual artists and organisations that do not have tax deductibility status. </p> <p>The loss of this stand-alone entity will likely be felt more by the smaller organisations and individuals than the larger ones. Larger organisations have no difficulty in claiming tax deductibility and greater likelihood of making connections with donors.</p> <p>The Australia Council is a grant giving body, and has not historically facilitated philanthropy nor been a conduit for tax deductibility. It remains to be seen how these functions will be folded into the Australia Council.</p> <p>The Labor government has a lot to do to restore confidence in the arts sector and help the sector recover from several terrible years. There is an urgency to this, but this urgency is nowhere to be seen in this budget.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/this-was-supposed-to-be-a-wellbeing-budget-so-why-does-it-feel-like-the-arts-have-been-overlooked-193304" target="_blank" rel="noopener">The Conversation</a>.</em></p>

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3 ways to save money without sacrificing your social life

6 simple steps to make your travel budget go further

13 budget beauty tricks

This was supposed to be a "wellbeing budget" – so why does it feel like the arts have been overlooked?

Our Partners

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Newspaper

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Entertainment

Travel

Health

Lifestyle

Finance

Property

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Beyond the spin, beyond the handouts, here’s how to get a handle on what’s really happening on budget night

What to expect from the federal budget

Your passport to salon-quality haircare on a budget

Five tips for developing and managing your budget – even in tough economic times

Give the gift of luxury on any budget

What is ‘budget Ozempic’ that’s all over social media? Can it help me lose weight?

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

"What am I going to do?”: Centrelink mother points out crucial flaw in new budget policy for parents

Federal Budget 2023: How to make the most of the key promises

Workers eligible for $10,000 salary bump in federal budget revealed

Tips for eating a healthy diet on a tight budget

8 ways to stretch your cruise budget

3 budget-friendly overseas holidays destinations

“Budget queen”: Mother shares insane shopping hack

Tips for travelling on a budget

Top 10 tips to keep cool this summer while protecting your health and your budget

3 ways to save money without sacrificing your social life

6 simple steps to make your travel budget go further

13 budget beauty tricks

This was supposed to be a "wellbeing budget" – so why does it feel like the arts have been overlooked?

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