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How To Get Your Finances In Order

How To Get Your Finances In Order

By organizing your monthly expenditures into different categories, you can make sure that you understand exactly where your money is going and also prioritize your spending habits. Everyone will have their own way of handling their finances, but below are a few ways that you can get organized:

* Establish A Budget 

Create a budget for your spending. Use an online calculator that allows you to calculate how much money you have coming in and how much you have to spend on your bills. By understanding the extent of your spending, you can figure out how much money you will need to save and where you can actually make some budget cuts such as by reducing entertainment or streaming spending. You can also decrease your expenditures by regularly checking to see if you’re paying a fair rate for your insurance policies. By doing comparison shopping every 6 months, you can save a great deal of your budget and put it towards paying off your debt.

* Prioritize Your Bills

When you understand just how much money you have to spend each month, it also makes sense to prioritize your bills. There are certain expenditures that you have to pay off no matter what. Usually, not paying your mortgage or your car will mean repossession or paying significant fines.

Common examples of priority bills may include:

-Rent or mortgage payments

-Utility bills

-Government taxes

* Consider Your Interest Rates

It’s also important to know how much you’re paying in interest rates, and whether you have any options for repaying your debt. If you have any outstanding loans or credit card debt, make sure you familiarize yourself with the rules of repayment are and what interest rates you’re paying. Usually, these bills are a priority because choosing to not pay them costs more and the implications are significant.

* Try Consolidating Your Debt!

You can get a better handle on your finances by choosing to consolidate your debt into one lump sum payment. For example, in certain instances, you may be eligible for moving your credit card debt to a different card and paying lower interest rates. Even if transferring your balance may seem like the correct option for you, it’s important to know exactly what the benefits and the associated costs are so you can make an informed decision. An IVA is a good option for many, often the question is raised: Can I get a loan with an IVA? 

How To Adequately Handle Debt Concerns

It’s easy to feel overwhelmed by the amount of debt you have, which is why you need to level-headedly assess the situation by taking a deep breath and looking at the bigger picture.

Ask yourself some questions such as:

-Do you have trouble paying your bills on time?

-Do you often exceed your credit limit?

-Are you seemingly piling up debt?

-Do you ever withdraw cash from your credit card?

-Do you greatly rely on your overdraft protection in order to make ends meet?

If you’re answering “yes” to one or multiple of the questions outlined above, we can help you get a better handle on your finances!

If you’re still not entirely sure that you need some outside objective help to get a handle on your finances, take the StepChange 60 debt test! This charity will help you get a better understanding of where you need the most help, and outlining your spending habits will have you create a better financial plan for your future.

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Average Cost of Internet in Australia,

Average Cost of Internet in Australia

Average Cost of Internet in Australia

A reliable and fast internet connection is now a necessity instead of a luxury. This is, even more, the case if you are in a work from home setup. Unfortunately, not all internet plans are made equal. Some are more expensive than others but it does not automatically equate to the fact that it’s much better.

If you are looking for a good deal on your internet plans, the question that you should be asking is “what exactly is the average cost of unlimited internet plans in Australia?

What is the Average Internet Bill in Australia?

On average, Australian households pay around $71 monthly for their National Broad Network  (NBN) Plans. This can amount to around $852 worth of expenses yearly.

However, take note that the average internet bill cost mostly differs from one state and territory. For example, the average monthly internet bill in South Australia is $68 while customers in Tasmania and Western Australia pay around $73 monthly.

If you notice, there’s only a slight difference in the internet plan cost per state and territory. However, location is not the only thing that affects the average internet bill in Australia. The cost is also dependent on the internet speed tier and plan that the consumer selects.

Factors that Affect Monthly Internet Bill

The figures mentioned above are only the average cost of a monthly internet bill in Australia. The following factors may cause it to be more affordable or expensive:

Infrastructure

If your location is internet-ready, then you wouldn’t have to worry about added causes due to lack of infrastructure. However, if you are not, then you might have to spend extra especially if your location requires extra infrastructure servicing.

Speed Tier

Internet speed is one of the biggest factors that affect the cost of your internet bill. If you want faster internet then you have to pay for more. With this in mind, it’s best to research ahead of time how fast your internet speed should be according to your typical daily usage.

Service Bundle

You can lessen your monthly internet bill if it bundles along with other services. There are several internet service providers that offer this option.

Other Fees

Your internet bill can be a bit more expensive in the first few months because of certain fees such as installation, activation, or set up. This is why it’s important to know if your internet service provider will be charging you additional fees or your monthly bill is fixed.  It’s best to ask about this ahead of time to avoid being shocked by your internet bill.

Final Words

Knowing the average monthly unlimited internet plans in Australia is important in the sense that it gives you an outlier for what to consider affordable and expensive. However, you have to take note that there are several factors that affect the overall cost of your monthly internet bill. These factors include speed tier, location, type of connection, bandwidth, and many more.

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How To Lower The Cost Of Your Heating This Winter,

How To Lower The Cost Of Your Heating This Winter

How To Lower The Cost Of Your Heating This Winter

Winter is coming, and soon you will be paying higher heating bills. Whether your home has a forced-air system or not, there are many ways to lower the cost of heating this winter. Read below for some tips on how to save both time and money.

Think about the use of a natural gas-powered heater

One of the primary things that you can do in an attempt to lower the cost of your heating this winter is to think about using a natural gas-powered heater. This method of heating your home can help you save money on your energy bills since it uses less electricity than an electric furnace does, and the cost is often significantly lower for those who use this type of heat source in their homes. Take the time to research the natural gas rates in Georgia if you live in this state. You can also explore the rates in other states for you to be able to compare accordingly. By doing so, you will have a better idea of the potential savings that you can achieve.

Add insulation to your home’s exterior walls and attic

Another easy way to lower the cost of heating this winter is by adding additional insulation to your home’s exterior walls and its attic. In this way, you will help keep heat inside of your living space during cold weather conditions because it will not be as easy for this heat to escape from your home. In addition, you can keep the cold air from entering your living space by sealing up any cracks or crevices that exist on the exterior of your home so that you will reduce drafts in these locations throughout the wintertime. You may also want to install weather stripping around doors and windows to help keep cold air from entering your home.

Check the condition of your furnace filter each month

It is also important that you check the condition of your furnace filter each month during wintertime because dirty filters can impact how well it works at keeping warmth inside of a room, and they may lead to higher utility costs as well depending on how dirty it is. For this reason, it is a good practice to replace your furnace filter at least once per month or more if it is particularly dirty. In this case, what you can do is to set a calendar reminder for you to check the condition of your furnace filter regularly and then replace it when you notice that its quality has diminished.

Lower the temperature on your thermostat

To conserve energy and save money, you may also want to lower the temperature on your thermostat by a few degrees during wintertime. Just make sure that you do not set it too low, as this can lead to discomfort and an increase in energy bills if it causes people living inside of your home to turn up their heaters even more than normal. Additionally, many heating systems are set up so that they will not work properly when the temperature on a thermostat is too low so you have to make sure that the thermostat is set appropriately.

Be strategic when it comes to your windows

You can also lower the cost of heating this winter by closing your windows during cold weather conditions and opening them again upon warmer days. On colder days, also close all doors leading into unheated areas like garages or outdoor storage spaces so that heat will not escape from these areas inside of your home. On the other hand, during warmer or sunny days, open your doors and windows to allow fresh air inside of the house. While you may want to avoid this practice in areas where many insects can enter into these spaces when they’re left open for too long, it is still a good idea to take advantage of natural sunlight during wintertime by letting fresh air through on nice days.

Close off areas that are not in regular use

To further reduce the amount of money you spend on heating this winter, keep a few extra spaces closed off when they’re not being used by members of your household or guests who visit from time to time. For example, if there is a space in your home that is not used daily, such as an extra bedroom or guestroom, you may want to avoid heating and cooling this area when it’s unoccupied. This can save money because these spaces will not need any additional heat throughout wintertime if they are closed off from the rest of your living space.

Use a space heater instead of turning up the heat to warm rooms quickly

There is also the option for you to use a space heater to warm up specific rooms quickly instead of turning the heat on in your ductwork and making it uncomfortable for everyone living inside of your home. In this case, you can also save money by using their timer so that they only run when needed. Just be sure not to leave them plugged in overnight or at other times while no one is around to keep an eye on them.

Get yourself an electric blanket or heated mattress pad

If you want to stay cozy in bed all winter long, you can also invest in an electric blanket or heated mattress pad to keep your body warm and cozy while you’re sleeping rather than turning your heater up. You may even want to consider getting yourself a model that is capable of warming up the sheets throughout the wintertime. This means it will work by itself during colder days as well as on those cold nights when you cannot get comfortable no matter how many layers of blankets you put on top of your sheets. In this way, you won’t have to force your heater to work more.

It’s important to make energy-saving decisions this winter. Lowering your thermostat is one way you can help conserve resources, which means less money spent on your heating bill. You should also replace the filter in your furnace every month and close windows during cold weather for better insulation. A space heater or electric blanket are other ways you can stay comfortable without spending more than necessary. All these are geared towards ensuring that you won’t have to pay a significant amount for your heating this winter.

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