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Here are some interesting findings from RateCity's Consumer Study August 2014:
If you don't have a credit card yet let these findings be a warning to you. If you do have a credit card and are having problems paying it off here are some tips from news.com.au:
HOW TO SLASH CREDIT CARD INTEREST
If you must have a credit card Canstar and RateCity have rated hundreds of credit cards to find the one that suits you best and help you avoid high annual fees and interest rates.
- 42% of young people under the age of 24 have between $10,000-$30,000 in debt (not including a mortgage).
- Around half of Australians aged 18-24 said they NEVER had a balance of $0 on their credit card account in the previous year.
- About 70% of Australians aged 18-24 said they don’t know the interest rate they pay on their credit card.
- One in five Australians aged 18-24 say that personal debt is something they worry about ‘occasionally’, while one in 10 say they worry about it ‘most days’.
If you don't have a credit card yet let these findings be a warning to you. If you do have a credit card and are having problems paying it off here are some tips from news.com.au:
HOW TO SLASH CREDIT CARD INTEREST
- Repay the outstanding balance within the interest-free period every month and it won’t cost you a cent.
- Compare credit card offers online and then phone your financial institution to ask for a better deal.
- Transfer your debt to a lower-rate credit card, cut up the old one, and set up automatic transfers to keep reducing the debt.
- Consider a balance transfer card — there are more than 40 of these offering zero per cent interest for 12 months or more. But check the fine print.
- Do not keep money in savings accounts if you have credit card debt. The interest gained is tiny compared to the interest saved by paying off the card.
- Switch to a debit card, which has the same functionality but uses your money instead of borrowed money.
- Consolidate credit card debt into a low-interest mortgage or other loan, but be sure to change your spending behaviour to avoid doubling up on debt.
If you must have a credit card Canstar and RateCity have rated hundreds of credit cards to find the one that suits you best and help you avoid high annual fees and interest rates.
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Here are some more of my favourite sale items.
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Sorry, another cat video but they're just so funny.
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It's sale time!!! There's still plenty of wintry weather to come so bag yourself a bargain. Here are some of my favourite finds for $50 or less.
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It's a common fact that teenagers could literally eat a horse after school. What you really crave are unhealthy foods laden with sugar, fat and salt such as chocolate, chips and ice cream. I'm not suggesting you limit yourself to celery sticks for afternoon snacks but here are some healthy and tasty suggestions:
Fresh fruit
Fresh popcorn
Hot chocolate
Fruit Smoothie
Dip and veggie sticks
Fruit muffins
Rice cakes with peanut butter (sliced banana on top is nice too)
Cheese and crackers
Yoghurt
Mug of soup
Dried fruit and nuts
Fresh fruit
Fresh popcorn
Hot chocolate
Fruit Smoothie
Dip and veggie sticks
Fruit muffins
Rice cakes with peanut butter (sliced banana on top is nice too)
Cheese and crackers
Yoghurt
Mug of soup
Dried fruit and nuts
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Every girl (and probably every boy too) should know some basic self defense. Here is great YouTube clip with some basic moves.
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Thanks to lifebuzz for this gem.
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Asha is a Queensland university student with her own YouTube Channel, Beauty by Asha. I love her Valentine's Day Makeup and Hair Tutorial.
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I'm not sure if she knows what respect is but she certainly has spunk.
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I'm not about to tell you to quit sugar but we could probably all reduce the amount of sugar we consume each day. I found this image alarming. You can find it at and more information on the the Australian Healthy Food website.
