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If you’re not already half-way through your Christmas shopping, then no doubt it’s weighing on your mind. This is, after all, the ‘spending season.’ And for many of us, our focus is usually on the fact that there’s more cash going out of our bank accounts… than there is coming in.

No, I don’t mean you should go about handing out wads of your hard earned cash this Christmas! But, have you ever considered giving someone a managed fund, or a session with a financial planner? Both have the power to transform lives, and they’re not as expensive as you think.

The good news for borrowers is that interest rates are lower than they have been for decades. The bad news is that it is tougher to actually be approved for a mortgage.

Christmas tends to be the ‘spending season,’ so you should consider how you’re going to get through without blowing your savings goals, or putting yourself under unnecessary financial stress.

A new survey shows that women have higher credit scores than men, but that many Australian’s don’t even know what their credit score is.

Need a loan? Peer-to-Peer lending is becoming popular as Aussies get more savvy about their borrowing needs. So What is it? And what do you need to know?