Interest

A change in the Official Cash Rate can leave you feeling a bit richer or a bit poorer depending on which way the pendulum has swung.

What fees do I pay?

You'll need to pay a $50 administration fee every time you apply for a student loan. The fee is added to your loan as soon as you use it.

When you're choosing a home loan, there are two big decisions you need to make:

This one isn't brain surgery - the longer you have debt, the more interest you pay. It pays to get out of debt as fast as you can.

Hire purchase and credit sale agreements can seem like a great way to pay when you haven't got the money right now. Particularly if the retailer offers an interest free period.

Credit cards are an easy way to pay for things but they can also be very expensive if you don't pay off the balance in full every month.

So you've decided you need to borrow to get what you want?

Great, but get it sorted properly. Work out how to borrow so that it costs you as little as possible.