Money Tips

The vpcoz.com Money Blog

Straight-up financial insight for young Aussies. No jargon, no fluff.

HECS-HELP Debt
Finance Basics

HECS-HELP Debt: Should you pay it early?

With indexation going crazy, heaps of us are wondering if it's worth dumping savings into HECS. Let's look at the actual math.

Superannuation 101
Super & Retirement

Superannuation 101: Please don't ignore it till you're 60.

Money goes in every time you get paid. Here is how to make sure it's sitting in the right fund and actually working for you.

Side Hustles in Australia
Side Hustles

The best side hustles in Australia right now.

Need some extra cash? We looked into freelance gigs and weekend work that actually pay decent money locally.

Renting vs Buying
Property

Renting vs. Buying: The big debate.

Is rent money really dead money? Let's break down what it actually costs to buy a place versus renting and investing your spare cash.

Emergency Fund
Savings

Building an emergency fund that actually helps.

Life happens. Cars break, jobs disappear. Here is the exact amount you should have saved up and where to put it.

Credit Score Myths
Credit

Credit score myths you need to drop.

No, checking your own score doesn't ruin it. We bust the biggest credit myths floating around Australia.

ETFs Beginner Guide
Investing

A beginner's guide to ETFs.

Want to get into the share market but have no idea how to pick stocks? Exchange Traded Funds are probably your best bet.

Holiday Budgeting
Budgeting

Budgeting for a holiday without going broke.

Planning a trip to Europe or Bali? Here is how to save up without eating two-minute noodles for half the year.