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How to decide if an expense is a ‘need’ or a ‘want’

31.03.2025 60

Peta Wales

Is it better to save an income tax refund or pay down debt? Balance financial priorities with a tax refund: Save for emergencies, pay down high interest debt and spend on a small splurge.

24.03.2025 20

Peta Wales

Is borrowing from a promo credit card to invest good luck — or a risky bet? Borrowing at a promo rate from a credit card to invest has short-term benefits but requires planning to avoid high fees and market risks.

17.03.2025 10

Peta Wales

How to help a friend with money problems Encourage open conversations and promote financial independence while protecting your own well-being.

10.03.2025 10

Peta Wales

What to do now if you’re facing higher mortgage payments in 2025 A tight budget can make the thought of higher mortgage payments overwhelming. But don’t panic, there are ways to prepare and soften the impact.

03.03.2025 10

Peta Wales

Navigating interest charges and unnecessary fees on credit cards Credit card debt incurs hefty interest for cash-like transactions and cash advances. Review your agreement to avoid unexpected costs.

24.02.2025 10

Peta Wales

How to plan for an affordable spring break during times of change Planning an affordable spring break can be a challenge when you're potentially facing reduced income due to a layoff or job loss. During such times, flexibility becomes your best friend.

17.02.2025 10

Peta Wales

How to navigate finances when a spouse has a gambling addiction Understand your legal rights, safeguard your financial assets, seek professional support to navigate these challenging times

Peta Wales

Five things you may not realize will affect your credit score Prioritize financial stability, and gain insights into how credit reporting works to keep your score healthy.

Peta Wales

Facing a strike, layoff or parental leave? How to cope with reduced income Outline a budget and cut spending immediately. Prioritize essential expenses, use savings and minimize credit use. Get help if needed.

27.01.2025 10

Peta Wales

Need to buy a car? These shopping tips will keep you in the driver’s seat

20.01.2025 10

Peta Wales

How to determine when you should do a hard pass on those sale items Make mindful money decisions by tracking your spending, choosing deals wisely, and seeking professional help for debt reduction options.

Peta Wales

Struggling with credit card debt? 5 valuable tips you need to know Be creative: gamify repayment, negotiate bills, reduce expenses and find extra income. Try DIY but get advice if you need help.

Peta Wales

How year-end financial reflections lead to effective goal setting for 2025 Practical financial strategies for 2025 start with self-assessment to identify habits.

Peta Wales

3 best tips to make the most of Boxing Day shopping Smart Boxing Day shopping involves planning ahead, using cash or debit, and leveraging price comparison tools.

23.12.2024 10

Peta Wales

Last minute tips to survive the week before Christmas

16.12.2024 10

Peta Wales

What to do when kids’ pricey holiday wishes exceed your budget Balance expensive holiday wishes by encouraging kids to adjust their expectations rather than placing yourself in the difficult position of having to say no.

Peta Wales

Navigating holiday traditions when money is tight? Here's some help Assess your budget and consider options to make balanced choices that maintain both financial responsibility and personal happiness.

Peta Wales

How to navigate the holiday hustle to avoid that debt hangover Think about how to create joyful memories. The holiday spirit comes from precious moments, not perfect decorations or meals.

Peta Wales

Tips and tricks to avoid doom spending during Black Friday shopping Stay mindful to shop Black Friday without overspending: set a budget, prioritize, be disciplined and intentional, keep emotions in check, and use discounts.

Peta Wales

How to regain control of your finances when debt collectors come knocking Crucial steps to handle old debt: understand your rights, verify the debt, and seek expert advice for debt relief options.

Peta Wales

A few simple steps can get teenagers interested in financial literacy Teaching teens about budgeting, saving, setting goals, credit and debt? Make the info relevant to them and share your experiences.

Peta Wales

How to avoid those haunting financial myths and schemes Seek trusted sources, verify tips, and be cautious of advice that seems too good to be true.

28.10.2024 20

Peta Wales

Is having 12 credit cards excessive? Tips to avoid compromising your credit profile Deciding how many credit cards to have means balancing your needs for credit and future borrowing. Read on to find out more.

Peta Wales

New traditions can help alleviate the financial pressures of holiday gatherings Balance traditions with practical adjustments: potlucks, sharing costs, buy on sale, co-ordinate shopping via a family chat.

Peta Wales

Getting out of debt doesn’t have to be complicated. Really Peta Wales: To eliminate debt, spend less than you earn and create a realistic repayment plan — this simplifies the process so you can make progress

Peta Wales

How to get a jump on a holiday expenses plan to avoid debt Identify expenses, cut costs, find ways to save, and be creative. Make memories not mountains of bills.

Peta Wales

3 ways to move from financial scarcity to security — and turn struggles into strengths Understanding financial habits can turn struggles into strengths. Embrace frugality, budget and discuss goals to build a stable future.

Peta Wales

How to decide whether to keep or sell your rental property Managing and maintaining a rental property can be time-consuming and shouldn't interfere with your primary source of income. Read more

Peta Wales

3 tips to help improve your credit score Improving your credit score is a journey that requires patience, diligence, and a consistent approach to managing your obligations.

Peta Wales

Financial help for families: When does it go too far? The best legacy parents can leave their adult children is the ability to support themselves and their families independently.

Peta Wales

How managing small goals can make debt freedom a reality Take a step back, regroup, and adjust your goals to fit your current circumstances.

Peta Wales

3 important tips to manage higher mortgage payments From finding the best rate to getting help from your lender or increasing income, get started here.

Peta Wales

How to teach kids smart money lessons when shopping for back-to-school Back-to-school buying can be a valuable opportunity to teach kids about budgeting, savvy shopping and balancing needs

05.08.2024 10

Peta Wales

How to gain control of your finances during job transitions The easiest way to determine how much you can afford to spend is to outline an emergency budget.

Peta Wales

Information breach: Is it worth it to subscribe to credit monitoring?

Peta Wales