Budgeting Tools

Popular Credit Cards and Bank Accounts

Take control of your finances. Below is a selection of credit card and bank account offers so you can compare fees, interest rates and features which suit your budget.

credit cards
rewards credit cards
bank accounts

	Interest rate	annual fee	balance transfer rate	Key features
ANZ Low Rate	13.39%	$58.00	0.00% for 3 months	0% p.a. on purchases and balances transferred for the first 3 months	Go to site

	Rewards program	Annual fees	Key features

	interest rate	salary direct credit facility	account fee	Key features
St.George's logo St.George Complete Freedom	0.00%	yes	$5.00	Deposit a minimum of $2000 a month (your salary, for example) and you'll pay no monthly account service fee	Go to site
St.George's logo St.George Express Freedom	0.00%	yes	$3.00	Free unlimited everyday banking transactions at St.George / Westpac / BankSA ATMs, EFTPOS, BPAY, BankPost	Go to site

Guide to Budgeting more guides

Debt-free before your due date

There’s no better motivator than a baby on the way to get a financial fresh start. If you have credit card debt hanging over your head, make the moves, right now, to be debt-free before your due date.
Budgeting for baby

Worried about how you’re going to afford a baby? If you’ve found yourself with a nine-month deadline to get your finances in order, here’s how to budget and plan for the new arrival.
Can you afford to stay at home?

New mums are faced with one of the most difficult dilemmas during the most stressful times of their lives: do you stay at home to look after your child, or go back to work? And can you afford not to?
Baby Equipment – What do you really need?

Expecting a baby and gone into nesting mode? Not so fast – before you start stocking up on ‘must-haves’ for the nursery, consider what you’ll really need and what might just end up on eBay.
The pain-free family budget - and how to stick to it!

We all know we need one, but if you dread having to live by a budget, forget the idea that it’s all about what you can’t have. It’s a way of planning what you can have. Stick to some rules, give yourself space and you’ll see family finances aren’t that hard to handle.
Survive school holidays on a budget

Keeping the kids amused throughout school holidays is no mean feat – and it can clean out your wallet, too. But entertaining your children doesn’t have to be about forking out for endless tickets – the beach or a day at the park are always foolproof options, but with a little planning and some new ideas, you can avoid the dreaded ‘Mum… I’m bored’.
5 Steps to a debt-free family holiday

Nothing kills a holiday glow like a holiday debt. And it’s not just the travel costs and accommodation that can be the culprit – eating every meal out, entry tickets to see the sights and souvenirs for the kids all take a chunk. Here’s how to keep that holiday buzz and avoid the blowout.

Calculators

Debt repayment calculator

"How soon can I pay off my credit card?"

Income Tax calculator

"How much does the government leave me?"

As any parent knows, getting kids to eat their vegies can be a real battle of wills. But by injecting some fun into the vegetable experience, you might just get your little ones munching on their greens after all.

Morning sickness: the basics

Research indicates that up to 80 per cent of pregnant women get morning sickness in pregnancy. You might feel sick and vomit - and get a few other not-so-fun side effects of pregnancy, too. The good news is there are ways to help ease the nausea.

Win one of five $200 Endota Spa vouchers

We have five $200 Endota Spa vouchers to give away ... go on, you know you deserve a treat!

Jessica Marais gives birth to a baby girl

Jessica Marais and James Stewart have become parents with the birth of their first daughter.

Eat, play, love: Bali with littlies

A seasoned traveller, Sheriden Rhodes shares her knowledge of the best places to stay with kids of all ages in Bali.

Grand prize valued at $5000 to be won!

Tell us what it means to be a mum for your chance to win a grand prize valued at $5000, courtesy of Virgin Money.

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Free Neil Perry cookbook

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