Plug the hole in your budget with these grocery shopping tips

grocery shopping

Disclaimer: Personal Loan Pal is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relates to your unique circumstances.

Grocery shopping – the one thing in this world that can make the beloved pastime of eating, scary and anxiety-inducing. While we’re happy just to avoid things that scare me, unfortunately, you can’t just avoid grocery shopping. There are things you are always going to need like toilet paper and detergent, but, we’re going to focus on buying food.

Unlike some of those other products, you actually have a lot more control over what you can buy, like fresh ingredients, so let’s take what we can. We can shelf the debate over why cleaning supplies are so damn expensive for another day.

That being said, there are ways to make your trip to the supermarket a little less financially stressful. Here are our tips for your budget grocery shopping.

Setting your budget

The first thing you need to sort out before optimising your budget is to actually have a budget. Budgets are easy to make and easier to stick to if you make them based off your current needs. Typically, most people may make a budget by arbitrarily setting how much they want to spend each week.

Of course, this can lead to problems, either unrealistic to the point where you are spending money that you don’t need to spend, or you are stretched so thin that you can’t actually maintain this nifty budget you’ve convinced yourself is the answer.

So how do you do it? The trick is to know how much you usually spend, not necessarily how much you wish you could contribute. And don’t worry, it’s easy to figure this out. Simply, do your grocery shopping like you usually do for some time and keep all your receipts. After three months you’ll start to see patterns, but if you need to get started sooner rather than later try just a month. Once you have a good idea of how much you spend on groceries in a month (especially concerning how much you are earning in a month), you can start to set your budget.

Apps are here to help

Now regarding what your budget actually looks like, try not to worry about that too much. There are different budgeting apps you can use, but I personally use an Excel spreadsheet because we’re all about fun here. The main thing is to have a very concrete breakdown of how much you spend on certain things at the shops.

If you usually spend $40 a month on meat, does that mean you can pay $10 every week? Maybe less for some weeks so you can buy a nice expensive steak in the last week of the month? Perhaps once it’s in action, you realise that you can comfortably cut $40 a month down to $35 a month and all of a sudden you’re optimising your budget.

It might be a bit difficult or confusing to get your head around at first, but if you keep consistent and stick to a grounded and realistic budget, you’ll be surprised at how much you’ll be saving in the long run.

Picking your store

You work hard for your money, so you need to make your money work for you. Brand loyalty isn’t really something you should be considering if you are trying to make budget grocery shopping work. Maybe Woolworths stocks something that Coles doesn’t, but Aldi has something cheaper than Woolworths!

All of a sudden, brand loyalty stops to matter. Shop around, look which stores have better deals on the things you want and need. If you have found that Coles has cheaper meat, but Woolworths has cheaper vegetables, then go to Coles when you have a meat-heavy shop and vice versa.

We aren’t suggesting that you spread your shop across multiple stores, because that is just incredibly inefficient. But do consider the fact that you don’t need to collect all of the Coles mini collectables. They’re just trying to get you to form brand loyalties! And what did I just say about that?

Buy in bulk

Let’s just stop right there. Everyone says that the key to saving money at the shops is to buy in bulk. But that doesn’t mean that you need to buy a 15kg shipment of rice and the grain silo to store it through winter. If you aren’t a seasoned grocery shopper yet or want to up your budget grocery shopping game, allow me to change your world. Unit pricing. Notice at the bottom of supermarket tickets it lists a price per unit of measurement. You will notice that in general, the smaller a package is, the higher the unit price will be in comparison to the larger size.

The trick isn’t to just buy the most you can for the least, but rather to buy the most you will need for the best relative price. Don’t just buy your 15 kg of rice if you aren’t going to eat it. Only buy enough for what you will actually make, and to that point…

Plan your meals out ahead of time

A classic mistake any shopper can make is writing out a list of what they want to buy, but not what they are planning to cook. See, if you are just buying ingredients, it is quite easy to impulse buy different things that you might not actually need. Always walk into the grocery store knowing what you are cooking with what you buy, and you won’t end up with $40 worth of spices that you saw on MasterChef that one time. Speaking of which…

Learn to like cooking

It goes without saying, but cooking your own food instead of eating out or buying pre-made is significantly cheaper. Why not put to test those skills you’ve (maybe) learnt watching 7 seasons of Master Chef? That being said, not everyone has that luxury. It’s easy to see cooking as a chore you have to do every day. If you are ever stuck for ideas, Woolworths usually has recipe cards that use stocked items, so that’s worth keeping in mind.

You might find that the more you cook, you’ll become inspired to create innovative dishes that tickle your taste buds!  And the more you will start to like cooking, and more importantly, the more you will stick to it. And hey, cooking each day does take a chunk out of your evening. Maybe consider assigning a day or two to meal prep, and save yourself having to cook every day. Eating the same thing for dinner or lunch a few times a week isn’t the end of the world. However, remember to keep it varied!

Keep it varied

We’re sure your world famous mac and cheese is just fantastic, but you can’t just eat that every night. One of the quickest ways to revert back to ready-made meals is to eat the same thing over and over again. It may work for those muscly guys at the gym, with their brown rice and tuna 6-8 times a day but it doesn’t have to be that way.

The beauty (or horror) of supermarkets is that the specials change weekly. So you can try a different set of meat and vegetable week to week, instead of trying to find a way to make the same ingredients work every week. Also, why not eat with the season?

Buying seasonal produce is excellent for a couple of reasons. Firstly, it is always cheaper in season. It is fresher and better quality in season.

grocery shopping

Consider a vegetarian approach

Put down the pitchfork for just a moment, and let me explain. Cooking vegetarian is, in a lot of cases, very cheap. And no, I’m not referring to vegetarian sausages that ironically cost an arm and a leg, but rather more staple veggies and legumes. A great example is lentils. They fill you up, make a great meat substitute, and are around 5 times cheaper than beef mince. Think about replacing or substituting some meat in your dishes with veggies (lentil tacos for example). Trust us, you’ll be surprised how much further you can make them go and for how much cheaper.

Look into online grocery shopping

grocery shopping

Finding the time to write lists, make meal plans and actually cook your food is a whole issue in itself. It doesn’t help that actually going on your budget grocery shopping adventure is incredibly time-consuming as well. So if time is tempting you towards expensive ready-made meals, consider online grocery shopping.

More and more supermarkets are offering online grocery shopping Australia wide. You may find something asking where is a grocery shop near me? Well, don’t. Simply order your groceries online. What an exciting sign of the times!

Think paying to have your shopping delivered doesn’t not make sense? Think again. When we are talking about budget grocery shopping, a lot of places offer free pickup. This means that you can pick everything you want online, and instead of wondering “when will I have time to go grocery shopping?” you instead only have to ask “where is the best grocery shop near me?”.

So what do we take away?

We have focused a lot on how important your own cooking is to optimising your grocery shopping budget. And it’s probably the most important factor in not breaking the bank. If you plan out your meals, when you’re going to cook them and how you’re going to keep it varied, then you should have no trouble sticking to your optimised budget grocery shopping! But take it in baby steps, try the things we’ve suggested in small doses to see how it works for you.

Hopefully, these tips and insight from inside the belly of the beast will help make your next trips to the grocery store a little less stressful. Oh, and please bring your reusable bags!

Let’s stay in touch

We love tips on saving your hard earned moolah. If you do too, check out our previous how to on pet adoption and how it’ll save a life and your wallet. Of course, we love saving money, but we also know that emergencies aren’t planned. And that’s where we come in! We can help find you a quick loan.

Have questions about our loan service? Simply hop onto our website and send us a quick message and our loan finding specialists will get back to you.

Want more of Quick Online Loans? Great! Follow us on Facebook, Instagram, and Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Rescue An Animal: Help Your Community and Your Wallet!

Do you ache to hear the pitter-patter of little paws on your floor? Or require a buddy for your nightly sofa indulgence? Well, we can bet you’re on the look for out for a furry companion. You’re probably trying to decide whether to buy from a breeder or a pet shop, however, let’s throw another option into the mix: why not adopt a pet? Whether you’re looking for a tiny baby to nurture, a teenager who (mostly) ignores you, a middle-aged professional or an old timer; adopting a pet ticks all the boxes. Doesn’t matter if you’re team cat or dog, or if you’re looking for something off the beaten track. When you adopt a pet, you can find what you’re looking for, and more!

Not convinced? Let’s dive into why you should be thinking about adoption.

Adopt a pet: rescue an animal

You know that warm feeling that eclipses your heart when you sip a cup of tea? Imagine that amplified for all the feels. That’s adopting a pet. You’re not only gaining a new companion, but also granting a precious animal a second chance at happiness. What a gift to give! According to their annual report, the RSPCA euthanased just under 13% of dogs they received in the 2015-16 financial year. And the news gets worse for kitties; in that year just under 30% of RSPCA’s cats were euthanased.

But, don’t worry, it’s not all bad news! The numbers are down 13.2% from the previous year for dogs, and the number of kitties being rehomed was up to 11.18%.

In a world of online trolls and hate groups, we can always use a touch of kindness, something that extends beyond our own self-interest. No matter what, we have the power to put love and happiness into the world. Because in the end, isn’t that all that matters?

adopt a pet

Pick and choose

You may have a dream breed in mind when you’re on the hunt for the perfect companion, but don’t close yourself off to other options. If you adopt a pet, there is a myriad of breeds and personalities to choose from. They may not have a pedigree pug, but you can find all kinds of lovable misfits. And you may spot some breeds you have never thought of! You never know until you look.

The hard work is done for you

Having a new furry friend can be a bit of a catch 22. Before long, your couch, carpet and socks will certainly pay the price. If you adopt a pet from somewhere like the RSPCA, your new friend will come equipped with potty training and basic obedience skills. So, forget about chasing after your munchkin with a handful of socks in its mouth; adopt a pet and you’ll get to enjoy your new companion without the headaches of training.

Fit as a fiddle

When you adopt a pet, you can be sure they’ve had a comprehensive health check. If you adopt from the RSPCA (and most other reputable shelters), all animals come desexed, vaccinated, microchipped and up to date with flea and worm treatments. There will be no urgent trips to the vet, or pulling at stitches (unless your furry friend decides to swallow something it shouldn’t). You simply need to provide a happy home for your pet, with toys and love in abundance.

Support is always on hand

If you find yourself at a loss with your new companion, don’t hesitate to ask for help from their previous caregivers. Most shelters are more than happy to provide support when an adopted pet is settling into their new home. If you’re a first-time pet owner, then you may find yourself overwhelmed (with panic and adorableness!). So, don’t spend time worrying, when you could be cuddling with your new best friend.

Keep costs down

If you decide to purchase your pooch or kitty from the nearest pet store or breeder, you can expect to pay anything from $500 to $2,000! It all depends on what breed you want, but costs can begin to acquaint to a large hot, steaming mess if you’re not careful. So, for the sake of your wallet, adopt a pet instead. It depends where you look, but in a pet shelter, you’ll be able to find a furry friend from $30 to $300! Your wallet will certainly appreciate the savings.

An example of kindness

When you adopt a pet, you become a poster child for kindness. If someone asks where you got your adorable pet, you can tell them you adopted. Kitties and puppies waiting in the shelters around Australia will thank you.

That warm fuzzy feeling

And finally, the most compelling reason to adopt a pet; it just feels damn good! Pets already come with their own wellness advantage. They are known to reduce anxiety, lower blood pressure and stress, and boost immunity! Adopting a pet unlocks a secret level of added benefits. You feel that warm fuzzy feeling you get when you are motivated by love and kindness. When you’re playing with your pup or kitty, or when you’re snuggling in front of the TV, you’ll be reminded you gave a beautiful creature a second chance at life. Sorry, please excuse us while we get all emotional.

Where to adopt a pet

There’s plenty of real estate space for pet adoption shelters. Of course, the one that comes to mind is the RSPCA. The RSPCA is a great place to start for any first-time pet owners. Their website is jammed pack with info on adopting and taking good care of your new furry friend. Each pet comes with a cheeky, and detailed description of the animal’s personality. So, before you bring your pet home, you already know its likes and dislikes.

The RSPCA isn’t the only kid on the block. The AWLQ is also a great alternative. The shelter is a temporary home to 17,500 stray animals a year and they’re all looking for a new place to call home. AWLQ also provides useful details that any potential owner should know. PetRescue is another pet shelter filled to the brim with little kitties and pups ready for your love.

adopt a pet

How to adopt a pet

To adopt a pet you simply need a welcoming home and some free time to smother your new friend with love. To begin the process of finding your rightful soulmate, you have to know what you’re looking for. So, decide whether you want a kitty or pup, what age, and whether you’re after a particular breed. Then, you can begin the search for your perfect companion and be prepared for the onslaught of knee-weakening adorableness.

With such adorableness, it may be hard to pick just one pet, so that’s where those descriptions come in handy. They don’t just serve as some light reading. These little bios are also a good indicator of whether you’re a good match for a potential companion. The descriptions will include details like:

  • Whether they are suited to an outdoor or indoor life
  • Medical details, such as vaccinations, desexing and worming
  • Age, sex, size, colour, coat and breed
  • Behavioural quirks
  • Whether they are suitable around children

And other random, fun details that will make you fall in love before you even meet your new companion.

So, after you’ve scanned the internet for your perfect snuggle mate, simply set a date to meet your potential companion and find out if you both like each other.

And the rest is…paperwork. Of course. But after that, it’s time to get your home ready for your new arrival!

Pet adoption is available for prospective pet owners across Australia. So, that means you can adopt a pet Brisbane, look for pet adoption Sydney, find pet adoption Melbourne, and many more! Your new best friend is waiting somewhere near you.

Prepare your home for the latest arrival

adopt a pet

You’ve found your perfect snuggle buddy, now it’s time to set the stage for her/his arrival. Don’t worry, there’s no need to panic, we have all the essential tips to help pamper your new companion:

Don’t live alone?

If you don’t live alone, make sure everyone in the household is ready for the latest addition to the pack. It’s important to discuss the responsibilities of owning a pet. Make sure everyone is on the same page before diving head first into this new adventure.

Treat Yo Pet.

We all need a little pampering every now and again, so before you welcome your new pet into your home, buy them a few treats. Of course, start with the essentials; food, bedding, a few toys, but hey, why not throw in a comfy coat? Or fancy collar? But make sure it’s safe for the animal to wear; it’s all fun and games until your latest sweetheart destroys your latest $50 purchase.

Make a special place for records. Make sure to keep track of your pet’s paperwork, so when the vet comes calling, you have all the essential info.

Pet-proofing.

If you’re adopting a little pup or kitty, it’s time to baby-proof. Basically, anything that’s on the floor – move it! Especially dangerous objects like electronic chords, chemicals (traps etc.), and any choking hazards.

Transportation.

The big day has arrived and your pooch is travelling to their new home. So, make sure it’s comfy and safe. Ask the shelter if your new pet has any issues with car travel and take that into account.

Sensible love.

You may want to smother your new friend with an abundance of love, but they may need some time to get used to their new home. So, balance the cuddles and pats with space and rest. Give your pet time to adjust to the transition, whilst getting to know you as well!

Have a keen eye.

Your new pet may be up to no good in the first few weeks at their new home. So, take special notice of their habits; the good, the bad and the ugly. Like, if they have a thing for socks, create boundaries around the laundry room.

Before you go

A life with a pet will evidently mean vet bills and pet finance. And they’re the opposite of adopting a pet in that they are just plain expensive! So, if you ever find yourself in a rut, turn to us, and we can sort you out with fast cash loans for vet bills. And we mean really fast. Simply fill out our 4-minute application, receive a conditional approval within 60 minutes and we’ll match you with the perfect lender. It’s that easy.

So, don’t let vet bills hurt your relationship with your companion. Let us take care of any financial strains!

Let’s stay in touch

It’s no secret that we are in love with how to save tips, because we know that emergencies aren’t planned. And that’s where we come in! We can help find you a small loan.

Have questions about our loan service? Simply hop onto our website and send us a quick message and our loan finding specialists will get back to you.

Want more of Quick Online Loans? Great! Follow us on Facebook and be sure to enter the Facebook cash giveaway, Instagram, and Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Finance books everyone should read | Get the scoop on what’s worth the bucks, here!

finance books

Although, as humans, we are the most ‘developed’ and ‘intelligent’ species, sometimes we need a little guidance in navigating through life and getting things right. As much as we like to think we’ve got it all under control, this is just something we tell ourselves (and everyone else) to make it seem like we actually do. But no one knows everything and life is just one big learning curve. Therefore, we turn to things like books to help us figure things out. Text books, baby books, ‘how to’ books and finance books are just a few of the places we turn to get a better idea about what the heck we’re doing – or meant to be doing.

These days, you can find a book on pretty much anything. Things like what to expect when you’re expecting, baby names, Auto Repair for Dummies, The Internet for Dummies, even Wine for Dummies. Then, you’ve got the more serious things like ‘Women Who Think Too much’ and ‘You are Enough’. Then there are the mountains of finance books which, in our opinion, are the best ones to read!

Why turn to finance books?

One of the most difficult concepts to master for many is managing money. Once we get to a certain age, we’re suddenly in charge of managing everything without any real-life practice. It’s no wonder we make mistakes every now and then! Luckily, we have found some of the best finance books to turn to when things get a little stressful.

If you’re struggling to build your savings account, slowly being swallowed up by your debt, wanting to save up for a house or planning for your retirement, bury your nose in some of the top finance books! Online courses and blogs are also great to turn to but they won’t help you, finance books will. They’re great for when you need a little guidance with your money. If it’s a specific concept you’re struggling with or whether you just need some general guidance, there are books that cover all aspects of personal finance.

If replacing your fiction for finance is not something you’ve thought about before, then finding the right books for you can be a confusing – and perhaps daunting – struggle. Therefore, we’re going to talk about some of the best finance books that everyone should be reading.

The best finance books to read

The Barefoot Investor

This book is first on our list because, in our opinion, it is one of the best. The Barefoot Investor covers everything from the bank Australia you should join, to the type of bank account you should have, to how much you should be putting away in your superannuation. It covers everything and the author, Aussie investment advisor Scoot Pape, draws from his own personal experiences and mishaps to provide us with detailed, clear and legitimate advice.

The Barefoot Investor is incredibly easy to read as Pape’s tone of voice is light-hearted and conversational. You almost feel like he’s in the room explaining it all to you. The book aims to show you how to save up a 6-figure house deposit in just 20 months, double your income using certain strategies, save money on your mortgage and wipe out almost 7 years of payments, be able to provide for your children and retire into a very comfortable lifestyle. The Barefoot Investor is great for anyone with those types of goals and it relates very closely to young adults just entering the workforce. As Australia’s number 1 bestseller, this book is a money guide you definitely need to read.

The Millionaire Next Door

This is another one of the top finance books as it discusses all the basics of personal finance. It was first published in 1996 and refines the authors’ (Thomas Stanley and William Danko) findings from more than 20 years of research into America’s millionaires. The book is less specific in terms of taking action than The Barefoot Investor. However, it provides simple, common sense lessons on how to develop good money habits.

The Millionaire Next Door explains concepts like ‘spending less than you earn’, ‘avoiding buying status objects and ‘diversifying your investments’. And although this finance book looks at the American millionaire, the advice it offers is completely universal. It looks at 7 common qualities millionaires share and has since been updated to match the context of the 21st century.

Again, the tone of this book is really easy to read and the authors have provided their readers with an interesting story that offers untimely financial advice.

Money: A Love Story

This is another one of the best personal finance books. It teaches its readers about the importance of having a good relationship with their money. The books author, Kate Northrup, uses client stories as well as her own saga of moving from heavy debt to complete financial freedom by the age of 28. Northrup’s book offers advice on how to chart your financial life and create a plan that will help you reach your financial goals.

She talks about step-by-step exercises that address both the emotional and practical aspects of money and help you figure out your own personal perceptions of your money and how to change them for the better. This book is all about changing the way you think about and see your finances. Reading this book could bring to light some thought patterns that you have that might be holding you back from earning what you’re worth or saving what you’re capable of.

If you want to learn how to shift your beliefs about money, create a budget, spend in line with your values and get out of debt, definitively get yourself a copy of this book.

Rich Dad, Poor Dad

Rich Dad, Poor Dad is all about teaching people about growing their assets. It tells you to stop working for your money and start making your money working for you. A bestselling book, it advocates the importance of financial literacy, financial independence and building wealth by investing in assets. If you’re your someone who doesn’t have a clue about investing then this book will straighten out the scribble that investment seems to be.

Rich Dad, Poor Dad aims to show readers that you don’t need to earn a high income to become rich, show parents that they need to take charge when it comes to teaching their kids about money, define the concepts of assets and liability and create an individual strategy to become secure, comfortable and rich.

Robert Kiyosaki, the author of the book, challenges the way society thinks about money and assets. His perspectives tend to contradict conventional financial theories; however, he has earned himself and his book a reputation of straight talk. The book is “dedicated to all parents everywhere, a child’s most important teacher” and is a great starting point for anyone wanting to take control of their financial future as well as their children’s.

Think and Grow Rich

Funnily enough, this book was actually written in 1937 by a man named Napolean Hill. Despite the old-timeliness of this book, its teachings still strand strong within today’s modern context. Hill wrote the book in the midst of the depression after interviewing about 500 successful business men and finding that they all shared a relentless desire to achieve their goals. It’s thought that Think and Grow Rich launched both the self-help and get-rich book genres and if one were to wholeheartedly embrace the book, it would indeed help them grow rich.

This book has been read and followed religiously by the Oprah Winfrey and encourages persistence, faith, autosuggestion and imagination that will help you control your financial mind. The term ‘rich’ in this book doesn’t only focus on financial richness but also being rich spiritually and socially. The term, to Hill, is more about focusing on one’s goals and achieving success in being happy.

Despite the age of the book, it is easy to read and the language used is clear and easy to follow.

Making Money

If your finances are a little out of control then this is one of the best finance books you can read.  This book by Paul Clitheroe is all about helping you increase your wealthy, maximise the benefits of investments you already have, and become smarter with your money in general. It is a basic introductory book to saving money and is really easy to follow.

It explains the basic process to follow in order to get your finances in order and start saving money. If you’re just getting into to your finance books then this book is a great place to start. It will give you a clear idea of the first moves you need to make to map out your financial goals and figure out the best way to reach them.

This book is also great if you’re struggling with debt as it provides a guide on how to clear that debt sooner than you thought possible. Tips in this book also include how to get on top of your credit cards and how to make your own money go further. Making Money is one of the good finance books for beginners and definitely worth the read.

The best finance podcasts to listen to

Now that you have 6 awesome finance books to bury your nose in, why not increase your money knowledge by listening to few of the best financial podcasts out there. These are especially great if you’re not much of a reader and finance books aren’t overly suited to your interests. So, here are some of the best finance podcasts to listen to.

The Investors Podcast: We Study Billionaires

If you thought that financial podcasts couldn’t be fun and entertaining, you were wrong. This podcast is entertaining, educational and very insightful. It constantly breaks down complex investing and business scenarios into the most understandable way. The hosts, Preston Pysh and Stig Broderson, like to explore interesting ways to invest and live better and get more joy from your life.

Their audience tends to remain consistently informed, engaged and impressed throughout every episode. So, if you’re more of a listener, rather than a reader, and you like to get a bit of entertainment out of your finances, this is the podcast for you.

Listen Money Matters

Andrew Fiebert and Thomas Frank are the type of guys you’d want to go and hang with at a bar. They’re young, fun and hip and they host one of the best finance podcasts in Australia. They offer awesome advice from how to make your money for you, instead of you working for it, to how to avoid bank scams, to saving money the right way. Their delivery of this advice is really down-to-earth and easy to understand. Their discussions are clear and well-rounded and they have a knack for motivating their audience to get on top of their finances. Another fun and education podcast that you should definitely get listening to.

Money Girl’s Quick and Dirty Tips for a Richer Life

This podcast is great for tips on money management and financial investments. If you’re looking to learn more about the power of the money that you earn and how to save as well as invest your money, give this podcast a go. Again, the content is really clear and easy to understand and all the topics touched on are relevant and very helpful.

Money Girl also touches on topics like tax reform, simplifying your finances, committing to a healthy financial life and realistic ways to save money. Her advice is practical and timely and she acts your very own free financial advisor. Another one not to miss!

Have you got bad credit? Let us help.

Now that you have some of the best finance books to read and some really entertaining finance podcast to listen to, you should all be money geniuses in no time! If any of you have your own favourite finance books or podcasts that your and listen to, we’d love to hear about them! Get in touch either via our website or Facebook page!

How to change banks and open a new bank account

bank account

Last week we spoke about the benefits and disadvantages of both a traditional bank and an online bank. Perhaps article sparked some motivation for you to change your bank account? If so, you’re in luck! This week we’re going to show you how easy it can be to change banks. We’re going to talk about everything from opening a new bank account to transferring your funds and alerting the appropriate people.

Banks can sometimes resemble that of a tumultuous relationship. You’re unhappy, you complain to your friends and family, you constantly tell yourself you’re going to do something about it, but then you never do. In hindsight though, there’s no reason for you to stick with something if it isn’t making you happy.

Therefore, if you’re not impressed with the bank account that you currently have, don’t be reluctant to change to something new. The thought of doing this may give you a bit of a headache but, believe it or not, it’s actually very simple.

How easy is it to change my bank account?

It’s really quite simple! First, you need to do your research and find the bank that you would like to move to. One main thing to consider when changing your bank account is the fees that bank charges to hold your account. Things to compare include:

  1. How large a balance is needed to avoid fees – This is a big one as many banks will charge monthly fees if you’re not reaching a certain threshold of deposits each month. Many traditional banks set their limit at about $2,000, which is quite steep. If fees are something you’re trying to get away from then make sure you choose a bank that accepts a lower amount before they start charging you.

You should also be wary that some banks require a deposit or recurring payment through their site to avoid further monthly fees. In addition to these, you should also ask about any other fees before you change your bank account. Questions like how much will the bank charge if you go into overdraft? Is there a fee to close the account? How long will it take to transfer money to other bank accounts?  How much does it cost to make an international transfer?

  1. Are there fees for using other banks ATMs? – If you’re using an ATM that belongs to one of the big four banks, they have recently abolished withdrawal fees for non-customers. This is definitely a bonus as you know you can use these ATM’s without it costing you money.

However, you should also find out how much it will cost you to use independent ATM’s, as sometimes these fees can be substantial. If you travel a fair bit, it might also be a good idea to look for a bank that offers free ATM services around the country.

  1. What overdraft protection options does the bank account offer? – Overdraft is not an ideal situation to be in as it means that your account has gone into a negative number. However, things happen and it’s possible to accidentally overspend sometimes. Especially if you have direct debits coming out of your bank account.

If you do ever go into overdraft, it’s important that are aware of the options available to you. Some banks charge enormous fees if your balance goes into negative. Therefore, this is something you want to try and avoid. You should compare the overdraft penalty fee of different banks along with the maximum amount of times the fee is applied per day. Also look at the minimum amount required to trigger an overdraft fee and extended overdraft penalty fee charged for each day the bank account is in negative.

  1. How much interest is paid on savings accounts? – As we mentioned last week, interest rates offered on traditional bank savings accounts are generally quite low. In order to get the most value out of your savings, compare the how much each bank will pay you for your saving efforts.

These are the most important things to consider when looking for a new bank account. Some other aspects you might want to have a think about include:

  • How soon are deposit funds available?
  • Are mobile banking and online bill pay offered?
  • Are reward programs offered?

How do I change my bank account?

The process can be as simple or as difficult as you make it. Here is a checklist or the best order to do things that you can choose to follow if you wish.

Step 1 – Open your new bank account

Once you have decided on the bank you would like to switch to, the first thing you should do is open your bank account with them. This process is generally quite easy as banks love new customers so your initial experience should be rather pleasant. The bank will then organise to post you your new bank cards and chequebook (if necessary). These will usually take between 2-5 business days to arrive. Once they do, you can activate your account.

Step 2 – Transfer money between your current bank account and your new account

Most banks will require a minimum deposit in order to fully activate your account. This amount is normally quite small, it’s mostly just so the bank has time to establish the connection between the 2 accounts before your cards arrive. It may take a couple of days for the funds the transfer over but without your kinds, there’s not too much of a rush.

Step 3 – Set up online banking and bill pay

This is only really applicable if you’re moving to another traditional bank as online banks will automatically have online banking set up. For a traditional bank account, you can either call your bank or jump on to their website to set up online banking. This will be handy for paying bills, receiving statements, and applying for quick online loans. For online banks, it’s always a good idea to download the app. This will make everyday transactions a lot easier.

Step 4 – Move any automatic payments from your old account to your new account

If you have any payments that are automatically taken out of your account each month, make sure you change your account details to match your new bank account. These payments would include things like:

  • Netflix and other subscriptions channels,
  • Insurance (life, home, pet, car, etc.),
  • Loan repayments (house, car, personal loan, etc.),
  • Magazine subscriptions,
  • Credit card repayments,
  • Bills (phone/ mobile network, internet electricity, gas, etc.),
  • Uber,
  • iTunes/Apple ID,
  • Rent,
  • Foxtel,
  • Go Via/Toll fees,
  • PayPal,
  • eBay, and
  • School/university/online courses

Make sure you change everything over to avoid any defaults. Even if you’re not changing banks and just getting a new card, you will still need to notify all of these services.

Step 5 – Move direct deposits to your new bank account

This step includes notifying your employer or any other parties that may be depositing money into your bank account. To notify your employer, you generally just need to fill out new deposit forms and submit them to the payroll department. If you’re not too sure how to do this then we recommend asking your employer directly to avoid any miscommunication.

Apart from your usual employment, some other forms of direct deposits you might receive include:

  • Government benefits payments
  • Medicare rebates
  • Tax refunds
  • Alternative income sources (e.g. Airbnb, Uber, Air Tasker, etc.)
  • Friends and family
  • PayPal

Some banks will actually provide you with a form which will automatically generate a suite of letters for you to send to your employer and other regular billers.

Step 6 – Close your old account

Once you have completed all the steps above and checked them all twice, it’s now to close your old account. This can usually be done with a phone call to the bank. Some banks may require you to go to the branch but it’s not always necessary. Make sure you check with the bank, once your old bank account has been closed, that there are no outstanding fees and no remaining balance.

So, there you have it. 6 simple steps to changing banks. It’s not as involved as you thought it was, is it?

Before you go, here are a few more things you might consider before making the decision to change your bank account.

  • Is it worth it? – Although the process of changing your bank account is really quite simple, any mistakes can cost you money. Therefore, it’s important to make sure you are 100% certain that changing banks will benefit significantly before you make the change. It might be a good idea to look at ASIC’s compound interest calculator to make sure you’re going to be getting a better deal.
  • Evaluate the options – Once again, it’s really important to do your research. If you’ve decided to change banks because you’re unhappy with your current one and you’re not sure which bank to move to, compare all of them so you can pick the best one for you.
  • Ask for help – If you’re really not sure about what bank to move to, why not ask for help? Seeking the help of a financial advisor could give you a much better idea about what type of bank account is most suited for your situation. It could also give you a better handle on your spending and help you figure out what to do to get the most out of your bank.

If you have just recently changed banks and have already gone through this process, we’d love to hear from you! Perhaps you have a different checklist that you follow? Or maybe you didn’t have a checklist and your experience was slightly painful. Whatever it is, let us know!

Are you paying too much tax? Get it back!

An Online Bank Australia V The Big Four: Who should you bank on?

bank Australia

Banks are like a universal language when it comes to our finances. Unless you’re under the age of about 16, chances are you are a member of a bank. You actually have to have a bank account if you ever want to get a job or buy things online or just live in general. The good thing is that it is completely up to you which bank Australia offers you want to hold an account with.

One of the most common reasons people give for being a member of a certain bank is that their parents were members so it was just easy. This is completely understandable as, a lot of the time, your parents are the ones who set your bank account up for you. Why wouldn’t they choose the same one?

Coming into adulthood though, you are now allowed to make your own decisions based on what suits you and your adult needs. Once you start making some real money of your own and making plans to use that money for specific endeavours, it might be a good idea to look at the benefits you get from your bank and if you can get better ones elsewhere.

As we’re now in a time where technology knows far fewer boundaries than it used to, online banks are starting to gain popularity within society. An online bank Australia offers very similar services as a traditional bank, however, there are a few differences that may determine which road a person goes down: online or traditional.

We’re going to talk about the pros and cons of online banks and how well they stand next to more traditional banks like the Big Four.

The Big Four Bank Australia

The term ‘The Big Four’ is a colloquial name used to describe the 4 major banks in every country that is dominated by just 4 institutions. Fun fact: there are 37 countries in the world in which the banking industry is dominated by just four major banks.

The big four banks in Australia include:

  • Australia and New Zealand Bank (ANZ)
  • National Australia Bank (NAB)
  • The Commonwealth Bank of Australia (CBA)
  • Westpac Banking Corporation

These banks are the largest in Australia by market share as, between them, they hold 80% of the home loans market in the country. More than $600 billion of the $750 billion that Australian households have in cash deposits sits with one of the big four banks. The popularity of these banks and the amount of trust Australians put in them to look after their money definitely shows that they are doing something right. However, it could also be a few million cases of ‘changing banks is too hard’ that’s keeping the big four where they are in the market.

Benefits of the big four and other traditional bank Australia

They have a wide range of options

Whether you’re looking to open a personal savings or checking account, a business checking account, a pensioner security account, or even a trust fund, it is very likely that traditional banks will offer all of these services. They’ll also offer these services all in the one place along with further wealth management and investment services as well.

They are convenient

The leading banks in Australia have brick and mortar locations and ATM’s all over the country. The ATM’s are free for customers to use and are available for use 24 hours a day, 7 days a week. They allow you to withdraw cash, deposit cash, check your account balance and transfer funds at any time of the day.

You can have both

All of the big traditional banks offer online banking services as well. This is something you have to set up manually after opening your account but it will let you set up extra accounts, pay bills, receive online statements and make international payments.

Cash deposits

Cash is the most traditional form of currency and is something that a traditional bank Australia still works with. Although the use of physical cash has diminished significantly in recent years, it’s still nice to know that we have the option to make cash deposits. You can walk into any bank Australia branch and make a cash deposit, or you can make one at any respective ATM. This is something that online banks are currently unable to offer.

Face-to-face service and help

This is a huge bonus for new customers or those opening a new type of account. Direct physical communication can sometimes be invaluable for customer service and problem resolution. Many people take comfort in the fact that they can just walk into a branch and ask for help instead of trying to solve the issue themselves or sitting on your mobile, waiting to talk to a customer service agent.

Disadvantages of a traditional bank Australia

Low to no interest rates

Traditional banks offer, if at all, quite low-interest rates on savings accounts, especially compared to an online bank Australia. The reason that traditional banks offer lower interest rates on savings compared to online banks is that they have much higher overhead costs.

Limited accessibility

The big four banks in Australia do have call lines open 24 hours for some issues. However, if you have a particular query or issue outside of the banks regular trading hours, you may have to wait until the next day before you can seek help. If you’re travelling or unable to make it into a branch during standard hours of operation, you won’t be able to conduct your business. If your working hours are the same as the banks then visiting a branch can also prove to be quite difficult.

Less efficient

Getting in the car, driving to a bank Australia branch and standing in line to be served can be inconvenient at the best of times. Just like most things, it is generally more efficient to do your banking online where you can make use of all the bank’s services without having to get up from your desk.

Larger account minimums

A traditional bank Australia will generally require you to maintain a much higher monthly balance in order to avoid being charged monthly fees. Many traditional banks require a minimum deposit of $2,000 per month to have the fees waived. Whereas online banks, if they have one at all, have an average minimum of about $350.

ATM fees

You won’t be charged a fee if you’re using an ATM from your bank. However, if you are withdrawing cash from smaller, independent ATM’s, you can be charged around $2.50 for every transaction you make. This means that if you’re in a place where there isn’t an ATM for your bank around, it could actually end up costing you money.

Advantages of an online bank Australia

Convenience

Online banks are open for business anywhere you have an internet connection: it could be from the comfort of your own bed if you choose. If the internet services aren’t available, customer service is generally provided around the clock via telephone. You will never have to drive to a branch and stand in line to ask questions about your service.

Better interest rates

As we mentioned before, an online bank Australia has much lower overhead costs than a traditional bank. Therefore, they can offer higher interest rates on savings accounts and lower mortgage and loan rates. Some online bank accounts can also be opened with no minimum deposits and carry no minimum balance or service fees.

Studies have even shown that for every billion dollars Australian’s deposit into certain traditional banks instead of online banks, $7.5 million is lost. That means that for any amount you have in a traditional bank savings account, you’re missing out 7.5%. That’s money staying in the bank’s pocket instead of your own, which is where it belongs.

Services

An online bank Australia will typically have more inclusive websites that offer a comprehensive set of features that may not be found on the websites of traditional banks. These features may include budgeting and forecasting tools, financial planning opportunities, investment tools and loan calculators. Many online banks will also offer free online bill paying, online tax forms and tax preparation.

Strong online interface

In addition to the range of services offered on an online bank Australia website, they will generally have a superior online website interface compared to the websites of traditional banks. This is due to the fact that all of your interactions with an online bank are done through its website. Therefore, online banks typically have very sophisticated websites with plenty of features and a very fast response time.

Ease of use

Online bank accounts are easy to set up and require no more information than a traditional bank does. A lot of the time, all they’ll ask for is proof of identity. As everything is done online, you don’t need to print out forms, fill them out and then scan them or take them to the branch. Unless you want to do that, of course. Another advantage of using online banking is that you can select to have your payee information retained. This means that you don’t need to re-enter information on subsequent checks to the same payee.

Opening an account is quick and easy

This is closely linked to the ease of use of online banks. This is because opening an account with an online bank Australia will be one of the easiest things you do with your day. If you feel like opening an extra savings account on a Sunday night after spending too much on the weekend, you can. That account could then be ready to go by Monday morning. You never have to wait for normal operating hours to start to make requests as online banks’ operating hours never stop.

Disadvantages of an online bank Australia

Bank relationship

Traditional banks come with the opportunity to form personal relationships with the team at the bank or particular branch. Having these relationships can be an advantage when you need a loan or a special service that may not normally be offered to the public. A bank manager will usually have some discretion when it comes to altering the terms of your account, especially if you are a valued customer. If you have a personal relationship with your bank it may also be easier to solve certain problems such as undeserved fees or a lost or stolen card.

Websites can go down

Even the internet has tough days. Therefore, it is possible for your online bank’s website to go down on the odd occasion. While it’s rare, it’s not completely unheard of for these websites to have technical failures. These failures could render the website inaccessible. This could force you to sit on hold to customer service as it’s likely that there would be an influx of calls if this were to happen. Website failure may also mean that you are unable to make important, time-sensitive transactions.

Which should you choose?

While there aren’t too many drawbacks of an online bank Australia, the two listed are quite substantial. All points listed here are things worth considering when making your decision about whether you want to bank traditionally online. It is not our place to offer advice, but instead, offer the quick online facts that can help you choose what’s best for you.

We will say that online banks are looking to be the wave of the future in terms of the way society’s internet usage is progressing. There are more and more people moving from a traditional bank Australia to an online bank and online banks are challenging the competition of the big four banks. However, these traditional banks still hold the majority of the market share and they are definitely using the advance in technology to expand and modify their services.

Get a loan as soon as today! Same day cash loans

So, in summary, it is completely up to you. If you have recently changed from a traditional bank to an online bank, or you are thinking about doing so, we’d love to hear about your experience and opinion. Head over to Quick Online Loans to apply for a loan or pop over to our facebook page to leave us a comment!

Maternity Leave: How does it work?

Maternity leave

Having a baby is one of the most amazing experiences life can give you. Not only are you gifted with the responsibility of creating a life, you are also blessed with the responsibility of raising that life into a full-blown human being. That’s why maternity leave is such an important time for new parents. It’s those first few weeks and months after giving birth is a very important time for both mother and child.

Studies have shown that there have been measurable health benefits for children whose parents took maternity leave. These health benefits extend beyond infancy. This is because parental leave can help strengthen parental bonds and benefit children during those initial developmental years.

First time parents may be slightly unaware of how maternity leave works and the importance of it. Or perhaps some mothers worry about their job security if they take time off to have a baby. It’s completely understandable to be a little anxious about something you’ve never had to think too much about before. Nevertheless, having a baby may have just become a reality for you, or perhaps it will in the future.

Therefore, we have put together an extremely factual and informative article about how maternity leave works. We’ve also added in why it’s so important for new parents to plan. You don’t want to be going through ‘Sleep Wars: The Baby Awakens’ when you’re also working a full-time job. Keep reading and find out how to give your new little storm pooper the best introduction to the world.

What is maternity leave?

In Australia, employees can get maternity leave from the Australian Government as well as from their employer. To be eligible for maternity leave through your employer, you would need to have been working for them for at least 12 months before your due date.

The Australian Government Paid Parental Leave Scheme entitles eligible employees to 12 months of unpaid maternity leave. The scheme will also give employees who are the primary carer of a child 18 weeks of paid maternity leave. Payments will be paid at the national minimum wage rate.

The Government makes the maternity leave payments to the employer first, who then pays the employee. The employer can pay the employee before, after or at the same time as other entitlements such as annual leave and long service leave.

Employees may also receive paid maternity leave directly from their employer as well. That is generally subject to the separate agreement you’ve made with your employer and it won’t affect your maternity leave payments that you receive from the Government.

Paid parental leave is basically the same as receiving your regular salary or wages, except instead of working, you’re at home with a cute, squishy, crying, awake little bundle of joy. It can be a bitter sweet kind of situation but, either way, you’re still getting the financial support that you need.

Who can apply for maternity leave?

As the name suggests, employees can take maternity leave when they give birth. Employees can also take maternity leave when their partner gives birth or they adopt a child under the age of 16. As mentioned before, employees are entitled to 12 months of unpaid maternity leave. They they can also request to extend their leave by an additional 12 months.

Employees can take maternity leave if they have worked for their employer for at least 12 months:

  • Before the date or expected date of birth if the employee is pregnant,
  • Before the date of adoption, or
  • When the leave starts (if the leave is taken after another person cares for the child or takes parental leave)

Casual employees can also apply for maternity leave under the same conditions. However, there must be a reasonable expectation of continuing work with the employer on a regular and systematic basis, had it not been for the birth of adoption of the child.

Australian Government Paid Parental Leave Scheme

The Government set up this maternity leave scheme to allow eligible parents to take time off work to care for a newborn or recently adopted child. The scheme is an addition to any other leave entitlements the parent may also receive. For example, paid or unpaid leave from their employer.

The Government designed the Paid Parental Leave Scheme to show parents taking time out of the paid workforce to care for their child is a usual course of life. It also helps to promote equality between men and women. Furthermore, it assists new parents in balancing their work and family life.

This maternity leave scheme is also very useful for employers in the sense that they will be able to retain valuable and skilled staff. Employers do this by encouraging employees to stay connected to their workplace when they have a baby. It has also helped to encourage family friendly workplace environments without the employer having to fund the maternity leave themselves.

This scheme is also great for encouraging parents to maintain their participation in the workforce even after they’ve become parents. If these types of entitlements weren’t available, it could potentially decrease the number of parents, mothers especially, who return to work after having a baby.

There are 2 different types of payments under this paid maternity leave scheme. These include:

Parental Leave Pay

Parental Leave Pay is for the primary carer of the child. They are entitled to 18 weeks of pay based on the rate of the national minimum wage. To be eligible for these payments, parents must be on paid or unpaid leave or not working from the time they became their child’s primary carer until the end of their paid maternity leave period.

The Parental Leave Pay is typically paid to the employer who will then make the payment to their employee.

Employer’s role in the Parental Leave Pay Scheme

It is up to the employee to apply for their Parental Leave pay through the government. Centrelink is responsible for the payment scheme and will contact the employer when they require them to provide Parental Leave Pay to an employee. They also provide the necessary funds to cover the maternity leave payments.

An employer must provide paid maternity leave to an employee when they:

  • Have a newborn or recently adopted child
  • Have worked for the employer for at least 12 months
  • Will be employed at the company until at least the end of their paid maternity leave period
  • Is Australian based
  • Is expected to receive at least 8 weeks of Parental Leave Pay

If an employee doesn’t meet these criteria then the employer won’t be required to provide maternity leave payments. However, if both employee and employer agree, the employer can select to provide payments as long as they are eligible. In this case, they would need to register for Centrelink Business Online Services and then opt in to provide Parental Leave Pay before their employee submits their claim.

An employer is not required to provide Parental Leave pay if their employee:

  • Claims Parental Leave Pay for a child who is born or adopted on or after 1 October 2016, and
  • Receives an income support payment from Centrelink during the same period for which they would receive maternity leave pay.

Centrelink will make the payments directly to the eligible parent in the case that an employer is not required to provide Parental Leave Pay to their employee.

Dad and Partner Pay

This is the second type of payment that parents can receive when on maternity leave. Dad and Partner Pay is available for eligible working dads or partners. This scheme is inclusive of adopting parents and same sex couples. Eligible parents may get up to 2 weeks’ pay based on the national minimum wage rates. To qualify, partners must either be on unpaid leave or not working during this time.

Centrelink will make the dad and partner payments directly to the employee. It is up to the employee to approach their employer about taking unpaid leave in order for them to be able to receive the payment.

Employer’s role with Dad and Partner Pay

Employers don’t tend to have too much involvement in the Dad and Partner Pay scheme. They just need to be aware that an employee may approach them about taking leave so they are eligible for the payments.

It is up to the employee to apply for Dad and Partner Pay directly through Centrelink and to negotiate leave arrangements with their employer. The employer may then choose to provide their employee with additional payments to supplement their Dad and Partner Pay. An example of this is when an employer decides to pay the difference between the Da and Partner payment amount and the employee’s usual wage. This is completely up to the employer to initiate.

For more information on the Australian Government Parental Leave Payment Scheme, visit the Department of Human Services website.

Employer-provided paid maternity leave

Currently, employer-provided paid maternity leave is not a legislative requirement for private-sector employers in Australia. It is up to the employer to choose whether to provide paid maternity leave in addition to the employee’s government-provided payments. Employers are, however, required to allow 12 months of unpaid maternity leave to the primary carer of the child.

Some employers who do provide their own paid maternity leave for employees may also provide payment for those on paternity leave. Paternity leave refers to the dads and partners of women who are taking maternity leave on the birth or adoption of a child.

The health and wellbeing of new mothers and babies is one reason that employers are choosing the provide their own paid maternity leave. Maternity leave enables women to spend the first few weeks of a child’s life recovering from the birth and nurturing the baby. For this reason, the International Labour Organisation has recommended that employees get 14 weeks of leave and the World Health Organisation has recommended 16 weeks of leave.

The government expects employers to work with their employees when they are returning to the workforce after their maternity leave. The employer is entitled to request flexible working arrangements on their return. This may include returning to work on a temporary part-time basis or with different start and finish times.

Keeping up with appointments

Your pregnancy may require you to attend any appointments before and after your maternity leave. Your usual health maintenance/ sick time off should cover these appointments. Make sure you communicate with your employer to ensure you both have a clear understanding of your situation.

Protections against discrimination

The Fair Work Act 2009 brought in certain discrimination laws that made in unlawful for an employer to dismiss employees because of their responsibilities to care for a child. The Australian Human Rights Commission is another governing body that ensures the community sticks by the anti-discrimination laws. If there is an infringement, they will investigate.

Pregnancy discrimination is unfortunately still apparent in some workplaces throughout Australia. It basically refers to when women are denied equal opportunities for employment advancement and promotion on the grounds of them being pregnant. If the employer commits discrimination when they change the conditions of a woman’s employment because she is pregnant. She may be demoted, retrenched or her employer won’t include her in opportunities for job education training.

Another example of pregnancy discrimination is if a woman is not employed because her potential employer has suspected she may be pregnant, or has the potential to become pregnant. However, proving this can be very difficult.

Have you been discriminated against because of your pregnancy?

If you suspect that your employer is treating you differently in the workplace because of your pregnancy, you have every right to question it. It may become apparent that the shift in your treatment is due to your pregnancy instead of your work performance. If that is the case, there are formal means you can pursue.

Are you having workplace issues because of your pregnancy? If so, you should report them to the Fair Work Ombudsman. The Ombudsman will give you 21 days from the day you were fired or discriminated against to lodge an application.

You could also check the Australian Human Rights Commission to become more familiar with your rights. Feel free to call the complaint information line on 1300 656 419 to discuss your concerns.

How to prevent problems throughout your maternity leave

It’s important to keep an open and honest line of communication between yourself and your employer for the duration of your maternity leave. As apprehensive as you may be to inform your employer of your pregnancy in the first place, there will come a time when you won’t be able to hide it anymore.

It’s best to be up front about your situation to allow for more flexible negotiations regarding your paid or unpaid maternity leave. You should also comply with any requests your employer makes. Your employer may ask you to help fill your position while you are on leave. Also, if you need cash on the spot, check this out.

If you require any more information about maternity leave or pregnancy discrimination, visit the Fair Work Ombudsman.

The Ultimate Christmas Playlist

Christmas playlist

Christmas is the most wonderful time of year for many reasons.  It’s the food, alcohol, presents, family time, holidays, fairy lights, Christmas cheer, and finally, the music. There is nothing better than walking through the shops and hearing a joyful Christmas playlist blaring through the speakers. It’s an instant mood lifter! Just like our instant online loans!

A bit of Michael Bublé never goes astray around Christmas time but we understand that he may not tickle everyone’s fancy. If that is the case, we have put together some great examples of the ultimate Christmas playlist for all types of music lovers. Initially, we started this to help you guys out in making your Christmas playlist, but really it’s just so we can listen to Christmas music for hours on end.

So, here are our picks for the ultimate Christmas playlist!

Michael Bublé – a universal language

We’re going to start with Michael Bublé because his voice alone is enough to evoke Christmas cheer. You will never go wrong by adding his album to your Christmas playlist. Here are our top picks from Michael Bublé.

One classic song that everyone should have on their Christmas playlist is ‘It’s Beginning To Look a Lot Like Christmas’. It’s the first song on Bublé’s ‘Christmas’ album and is an absolute classic.  Listen to it here

Another classic from Bublé is ‘Santa Claus is Coming to Town’. This one is also great if you’ve got the kids around this Christmas. This song will give you some help in telling your kids that they need to stay on the nice list. Play it here.

Another great song for the kids that you can add to your Christmas playlist this year is ‘Jingle Bells’. This is like the OG Christmas song and it would be criminal not to include it on your Christmas playlist.

Our best advice would just be to download Michael Bublé’s entire ‘Christmas’ album. This way you won’t miss out on the all the Christmas classic, like ‘All I want for Christmas is You’, ‘Santa Baby’, ‘Silent Night’ and ‘White Christmas’ which he sings with Shania Twain! Find his album here.

For the kids

It’s only fair that every now and then you turn off Bublé and put something on that the kids will enjoy a little more. Here are some great songs to add to your Christmas playlist for the kids this year.

These are just the most popular but a great idea is just to download the full ‘Christmas Songs for Kids’ album. That way, you’ve got a full 55 minutes of kids Christmas songs. Make sure everyone in the family is happy with your Christmas playlist.

For a classical Christmas

For those of you who like a bit more of intensity and sophistication in their Christmas playlists, we have put together some great examples. You could settle for 3 hours of traditional instrumental Christmas songs.

Or why not dabble in the London Symphony Orchestra’s ‘Joyful Music for Christmas’.

Or perhaps you’re feeling the Trans-Siberian Orchestra’s ‘Christmas Canon’.

And finally, you can never look past a Mozart classic for your Christmas Playlist.

Carols by Candlelight – Dennis Walter

Carols by Candlelight is a strong Australian Christmas tradition. It would be incomplete without the smooth Christmas melodies of Denis Walter. Despite the rotating roster of talent that the production boasts each year, Denis Walter holds a permanent appearance and we couldn’t be happier. It wouldn’t be Christmas Eve without his booming performance. Not quite sure who we’re talking about? Here’s 12 examples for you.

If you’re looking to join the 21st century with your Christmas playlist (no offence Dennis Walter), maybe you’d enjoy the modern musical stylings of Dami Im at Carols by Candlelight.

Mariah

Mariah Carey has a rather controversial reputation and perhaps no one quite knows exactly what to think of her. One thing that we do know is that she puts together a banger of Christmas playlist. Definitely consider adding her album to your Christmas playlist this year. You don’t want to miss out on the glass breaking sounds of her ‘All I want for Christmas is You’.

Otherwise just grab her whole Christmas album here.

Carole King

Carole King is a queen when it comes to musical classics. Her Christmas album presents a few alternative Christmas songs that we don’t hear as much. This is a great one to play when the kids aren’t around… they just wouldn’t understand. Her album plays songs like ‘My Favourite Things’, ‘Carol of the Bells’, ‘Do You See What I See’ and ‘Have Yourself a Merry Little Christmas’.

For those who like to take it way back at Christmas

You can literally never go wrong with a bit of Frank Sinatra, especially on your Christmas playlist. Immerse yourself in an old timely Christmas with songs like ‘Have Yourself a Merry Little Christmas’, ‘The Twelve Days of Christmas’ and ‘I’ll be Home for Christmas’ 

The absolute classics

To finish off your Christmas playlist for this year, make sure you add all the Christmas classics. These are the songs that you hear all the time but might never actually know who sings them. Well, now you will. Find the full classic Christmas song album here.

And finally, here are some Christmas songs that you should try and avoid adding to your Christmas playlist this year.

We hope that you now have enough songs to make your ultimate Christmas playlist. You’ll be able to entertain the whole family with these songs and add even more Christmas cheer to your household.

Expecting this Christmas season? Find out about your leave options.

Why quick online courses are worth looking into

Online Courses

It is a common misconception in life that going to university is the only way to be successful. We can tell you now that it’s not. When it comes to deciding what path you want to take, there are so many other options available. Instead of having mountains of pressure on you to go to university and get a degree, we believe it’s important to cover all the options before making a decision. Maybe online courses are more suited than traditional university studies?

We want to show you that you don’t need university to get ahead. We have put together a list of the all the best quick online courses that Australia has to offer. Don’t ever settle for what you’re told to do! If a quick online course is what you want then maybe we can help!

Online courses: gateway to success

University is not a necessity for success. It opens many doors for those who wish to attend but it is not the only thing that can do that. Quick online courses allow students to pick and choose exactly what they want to study. You can basically design your course to match your career ambitions more accurately.

Here is a list of all the advantages you would get from online courses Australia:

Variety of programs and courses 

Students are not limited to what they can study online. You can even do a complete university equivalent degree online. If you live in a certain area that might not offer the course you want to study, an online course will save you from missing out.

Lower costs

Online courses generally cost a fraction of the price of traditional university degrees. Even if the cost of the online course doesn’t beat a traditional degree, you will still save by avoiding all the other associated costs such as, commuting, text books and campus expenses.

More comfortable and flexible learning environment

As there are no physical class session that you must attend, you can carry out your studies anywhere and at any time. Therefore, if you don’t feel like changing out of your pyjamas that day, you don’t have to. You get to create a study environment that works for you and you can work your study schedule around your everyday life.

Less distractions 

You have the ability to be distracted by anything when you’re sitting in a traditional University lecture. The guy playing tetras in front of you, the person cracking their knuckles up the back or the moth that’s hovering below the ceiling. Therefore, doing online courses allows you to study in an environment of your choosing and in your own time. This means your mind is less inclined to be distracted as the study you’re doing is more voluntary.

Career advancement

Like any course, online studies allow students to follow their career ambition and open the doors they want to walk through. Online courses don’t limit a person’s options upon completion, they expand them just as a traditional university degree would.

Continue working

Online courses allow the students to continue their current profession and they help them obtain any further qualifications. This is useful if studying is something that they’ve decided to do a little bit later in life and they’re already settled into a comfortable work regime and budget plan. The student won’t need to cut down their hours and change too much about their routine unless they want to.

Transfer credits

If you missed out on doing a core subject and don’t want to prolong your studies any further, you can study that subject online and transfer the credits to your primary degree. This can help you keep your studies on track. It could even shorten the amount of time it takes to get your degree.

Improve technical skills

Even the most basic online courses require the development of new computer skills. Students will learn to navigate different management systems and programs which could translate to many professions.

Networking opportunities

Online studnets network with peers all over the nation. Therefore, not only can you make friends, you can also develop excellent references and connections with people who may be able to help you later in your career.

If you’re still not sold then here are some of the highest-paying jobs you can get without a traditional university degree:

  1. Construction Manager – potential salary range: $90k – $280k.
  2. Air Transport Professionals – potential salary range: $56k – $285K.
  3. Crane, Hoist and Lift Operators – potential salary range: $52k – $177k.
  4. Mining professionals – potential salary range: $56k – $300k.
  5. Managers – potential salary range: $50k – $300k+.
  6. Gas, Petroleum and Oil Power Plant Operators – potential salary range: $75k – $120k.
  7. Information and Communications Technology Professionals – potential salary range: $40k – $350k.
  8. Work Health and Safety Professionals – potential salary range: $50k – $200k.
  9. Entrepreneurs – potential salary range: $0 to infinite (Bills Gates makes approximately $US1.54 million per hour!).
  10. Popstar – potential salary range: $0 – $170 million (roughly).

Now that you know why online courses are a great alternative to traditional university, keep reading and find out which ones are available to you.

The best online courses Australia

Online courses Australia – are they for me?

Determining whether doing an online course is best for you generally depends on your own personal situation. Perhaps an online course isn’t the best option for you if you’re coming straight out of high school and your study regime isn’t overly disciplined. Otherwise, if you are an autonomous worker then completing your studies online might suit you perfectly. Online courses are designed to work for many types of people.

Types of people online courses are suited for

  • Parents with young children.
  • Full-time or part-time workers that don’t have time to spare during the week.
  • Full-time workers that are looking to broaden their skills within their field.
  • Lone wolf’s who are single-minded and ambitious with little need for encouragement or assistance.
  • People who like to complete their studies in their own time without too much add pressure, they may need extra encouragement from online tutors to full understand the subject.
  • People with busy social lives and limited time to attend traditional classes.
  • Students who are already studying at a traditional university but would like to add some credits to their degree, or be able to transfer credit so that can graduate sooner.
  • Students who live in remote areas and don’t have to option of travelling to a campus.
  • People who are living abroad but still want to complete a diploma or degree.

There is no particular learning style that is predominant among Australian students. As mentioned before, it is completely dependent on your own personal situation. Online courses are definitely rising in popularity due to the convenience and flexibility they offer students.

Where can you study online courses?

Online courses allow students to complete their studies from anywhere around the world. You don’t just have to enrol with an Australian online institution, you can apply anywhere. If you’ve always wanted to undertake a diploma in Journalism at Oxford University, you can do that from your living room in Australia. This is known as a distance education and it primarily suits those who are geographically isolated from the campus they wish to attend.

Distance education works for students in junior, and high school whose individual circumstances don’t allow for them to attend class. Online courses not only offer cheaper tuition fees for geographically isolated students, they also give them equal opportunity to obtain a proper education despite their restricting circumstances.

How do online courses work?

If you’re unfamiliar with the concept of online learning, it is quite straight forward. Basically, you enrol just like you would a traditional university, then you just select what you want to study, and find the course that is best for you. Most online learning institutions will offer an online chat room if you need any assistance otherwise you can give them a call if you have any further questions.

As soon as you are enrolled in your online course, you can start your studies. You just log in to your dynamic virtual classroom, connect with your online tutors and other students and then submit your assessments. You can jump in and out when you like and work through your credits at a pace that suits you. Most classes are self-paced; however, some do adhere to a calendar that mirrors the schedule of an on-campus course and its corresponding assessment deadlines.

Furthermore, the beauty of online courses is that it’s completely up to you. Whether you want the pressure of strict deadlines or you like to do things in your own time, it doesn’t matter. Therefore, there will be a course out there that fits yours needs perfectly.

Can I get fee help for online courses?

Yes, you can. HECS-HELP loan schemes often cover online learning institutions. Your eligibility for this fee help depends on whether or not the institution is supported under the Commonwealth. Some other eligibility requirements include:

  • You must be an Australia citizen, or a New Zealand Special Visa holder who meets the long-term residency requirements or you must be a Humanitarian visa holder
  • Be enrolled in your subjects at your university by the census date
  • You must meet the relevant HECS-HELP residency requirements
  • Submit a valid request for Commonwealth support and HECS-HELP form by the census date

For more information on the eligibility requirements, visit HECS-HELP

Am I eligible for online courses Australia?

Online learning institution acceptance is much like traditional university acceptance. Academic merit generally determines eligibility it, however the eligibility requirements may vary between institutions. Some requirements may include:

  • Proof of completion of year 12, including a document outline your overall ATAR/ENTER/OP or equivalent score.
  • Official transcript from undergraduate or post-graduate studies
  • Diploma/ advanced diploma certificate and transcript

You can confirm the eligibility requirements of your chosen institution in the application process, otherwise get in touch with them via online chat room or phone.

Online courses are a great alternative to traditional university learning. Many people like to do things in their own time, on their own terms. Or perhaps they’re geographically isolated from their desired campus, or they’re a parent or full-time worker with multiple obligations. Whatever the reason, online courses are perfect for them!

If you don’t qualify for HECS-HELP or FEE-HELP, get in touch with us. We can help customers take another step closer to the career of their dreams. Don’t let money get in the way of your education! Quick Online Loans will always try to find a way to get you to where you want to be!

Keep upto date with you’re finances, maybe start reading some informational books.

How to look good and not break the bank

How to look good without breaking the bank – quick online tips for looking the part without maxing out your card.

Introduction

Imagine walking through the CBD dressed head to toe in designer fashion. Designer brands, such as Gucci, Chanel, Calvin Klein, Levi’s and Tommy Hilfiger, cover you as you strut your stuff through town. All heads turn your way and then all of a sudden, a slow clap begins in celebration of your high fashion style. The city crowd starts cheering and whistling and you start spinning and skipping through the celebration, delighted with how great you look… then you wake up, throw on your Target pant suit and get on the bus to go to work.

Designer brands are definitely a nice thing to have hanging in your wardrobe, sitting on your shoe rack, or housing your phone, wallet and keys, but realistically, they can be rather unaffordable for many Australian’s, more of a pipe dream you could say. At Quick Online Loans, we believe that everyone should be able to look as good as they feel, which is why we have put together a few quick online tips on how to look good and not break the bank. Our aim is to show you how to look like a million bucks while spending minimal cash.

How to look good and not break the bank

Looking good entails a combination of numerous things. Sure, you can just throw on a nice dress, or fancy suit and be on your way, but if you’re aim is to dress to impress, normally you wouldn’t just stop after the dress. Here is a list of all the things both men and women generally consider when wanting to look the part.

  • Clothes
  • Shoes
  • Hair
  • Facial hair
  • Make-up
  • Skin complexion
  • Accessories
  • Teeth
  • Personal Hygiene (this should always be a high priority)

This may seem like a lot of factors to consider and if you are wanting to look good and not break the bank, then it can get expensive. Not anymore though! Gone are the days of having to settle for what’s affordable, whether you like it or not, and gone are the days of spending money we don’t have in the hopes of keeping up with all the latest trends. Keep reading and find out how to look good and not break the bank.

How to look good and not break the bank: FASHION

Bridge lines – If you are someone who cares about the brands you dress yourself in but your budget comes with limitations, then do your research and find the designer collaborations that offer discounted items. The Missoni line at Target (www.target.com.au/b/missonifortarget) and the Versace line at H&M (www.popsugar.com.au/tag/Versace-for-H&M) are great examples of bridge lines in the fashion industry.

Try to ignore the trends – Trends change as quickly as the weather does so don’t splash all your cash on something that’s only going to be trendy for a couple of months. Just focus on defining your own individual style and finding cheaper clothes that suit you.

Only wear what looks good on you – Don’t waste your money on items that you’ll quickly come to dislike. Figure out what style suits you best and then stick to it. Don’t buy a pair of short-shorts if you rarely wear them.

Learn to love the pre-loved – You can find some awesome treasures in op shops, and on second-hand websites (e.g. eBay, Buy Swap Sell). Don’t be picky just because they’ve been owned by someone else. Second-hand retailers can give you some serious bargains!

Just buy the basics – Make sure you have all the basics covered before expanding your wardrobe. The basic items of clothing both men and women need include:

  • Basic black dress
  • Everyday warm coat/ jacket (e.g. denim or leather jacket)
  • Dress pants in solid colours
  • Classic white t-shirt
  • Jeans
  • Any occasion top or blouse
  • Day dress
  • Swimsuit/ board shorts
  • Sportswear
  • Pyjamas

Get Creative – Get efficient at altering and mending clothes. This way you can alter your cheap clothes so they fit properly, or fix older clothes that have been ripped or damaged. Getting creative like this broadens your horizons when it comes to what can buy, and stops you from having to replace that pair of pants that you love.

Don’t buy expensive brands – Jeans are jeans. You don’t need to spend $150 on that designer pair when you can get a generic pair for $50 that look exactly the same. At the end of the day, they have the exact same purpose so as long as they’re getting the job done, cheaper is better.

Shop for off-season clothing – Look for end of season clearance sales and the before and after Christmas sales. Be prepared for the year ahead; buy your jeans in August, or your swimmers in February. Or you could brave the crowds on boxing day and take full advantage of the year’s best sales.

Look for combinations – Try and make as many combinations out of your clothing items as possible. For example, only buy tops if you have at least 2 bottoms you can wear with them, and vice versa. This works for accessories as well.

Make sure your clothes are easily hand or machine washable – Trips to the drycleaners can get very expensive. Don’t buy clothes that will constantly need to be dry-cleaned, save that for your suit or leather jacket.

Outlet stores – Many brands have outlet stores that are home to some seriously discounted clothing that either didn’t all sell in store, or might be a little damaged. This is where your sewing skills could come in handy too.

Patience is key – Don’t get too excited when making a purchase. Unless you are 110% sure that it looks great and you’ll wear it all the time, wait at least 24 hours before handing over your money. This will give you the chance to sleep on it and then look at the item or try it on again with a bit of a clearer head. Being a little patient could save you loads on unnecessary clothes.

Use the right card – Firstly, make sure you’re not using a card with a big surcharge so you’re not making the purchase more expensive than it needs to be, and secondly, find out if your card comes with any rewards that can add extra value to your purchase. Some cards that offer great rewards with your purchases include:

  • American Express
  • NAB Qantas Rewards Premium Card
  • ANZ Rewards Black
  • Bank Australia Platinum Rewards Visa
  • ANZ Rewards Platinum
  • Virgin Money Virgin Australia Velocity Flyer

Look for coupons – If you’re on a retailer’s mailing list, you’ll probably receive all their specials and sales, however make sure you keep an eye out for further deals through catalogues and social media. This will ensure that you’re not missing out on any prime shopportunities.

Go through your wardrobe – Everyone has a section in their wardrobe where they put the clothes they never wear. Go through those clothes and maybe you’ll find something you’ve been looking for, or maybe that dress that didn’t fit before, fits you now. Then, anything that is of no use to you anymore, sell online on the same second-hand websites listed above. This way, you’ll avoid spending money on more clothes you probably don’t need, or you’ll make money and clear space for new clothes in your wardrobe.

Now that you have your cheap clothing hacks sorted you are half way there to looking good without breaking the bank. Our aim here is to show you how to keep up with appearances without completely blowing your budget.

Budget beauty tips

Use men’s shaving cream

Cut back on washing your hair – Washing your hair everyday can cause it more harm than good. Cut back to just washing it every other day, or even twice a week. You’ll find that your hair doesn’t need to be washed that often and you’ll save money on shampoo. You don’t need to use loads of shampoo and conditioner either, just a small amount will get the job done.

DIY teeth whitening – Don’t spend your money buying something you can do at home! sprinkle a little bit of baking soda on your toothbrush to brighten up your smile. Just don’t do it every day as too much can be damaging to your teeth. For more information on DIY teeth whitening, see: www.wikihow.com/Whiten-Teeth-With-Baking-Soda

Homemade acne treatment – Many shop-bought acne treatments rely on salicylic acid as their active ingredients but it turns out, you don’t need to spend a fortune to get the benefits of this compound. Mash up some fresh strawberries and mix it with a bit of yoghurt, spread on your face and leave for 5-10 minutes. Strawberries are a natural source of salicylic acid so this should do the job for a fraction of the price.

Don’t waste make-up – Get the last of any liquid makeup out of its tube by putting it in a small container of hot water then pouring all the foundation out. This always works for dried up mascara. Makeup can be expensive so make sure you’re using every last drop!

Hair hacks – For men who like to style their hair in a certain way, hairspray will usually do the trick but for those who like to use other gels and products, grab yourself a tin of Uppercut Deluxe Pomade. They average around $20 but should last for months. For women who like to get creative but can’t always afford the styling tools, have a go at lightly braiding your hair over night or throughout the day so it’s nice and curly. Or, alternatively, you could get in touch with your local hairdressing school and see if there are any students that need someone to practice. You could get your hair done for as cheapo as $10.

These are just a few tips on how continue looking as good as you do, but for half the price. Now that you’re looking good and have a few extra dollars in your pocket, you’re probably looking for a lucky man or lady to complete you. If that’s the case, here are some pick-up lines you can use on your potential suiter.

  • Are you the sun? Because you’re so beautiful it’s blinding me.
  • Your eyes are blue like the ocean. And baby, I’m lost at sea.
  • If you were a vegetable, you’d be a cute-cumber.
  • Do you have a sunburn, or are you always this hot?
  • I seem to have lost my number, can I have yours?
  • Hi, I’m Mr Right, someone said you were looking for me?
  • How come you’re not on top of the Christmas tree? I thought that’s where angels belonged.

So, there you have it folks. You’ll be looking good and feeling good right into the new year, and your bank account will be looking as health as your love life should be! For any more tips on how to manage your financial woes, or perhaps pay for your upcoming wedding, get in touch with Quick Online Loans, today!

Looking for a short-short loan? We’ve got you covered.

Which mobile network is best in your area

mobile network

With the new iPhone X out on the market, new Samsung Galaxy not far behind and people scrambling to find out which mobile network will offer the Google Pixel 2, people looking to upgrade their phones are spoilt for choice! Especially since we’re quickly approaching Christmas, the season of giving. However, the newest smartphone is hardly a good thing if it’s not getting service that’s comprehensive and fast in your city! We’ve compiled a list of the best mobile networks in major cities around Australia.

The mobile network for you

While there are multiple mobile network service providers in Australia, such as Virgin Mobile, amaysim, Boost and ALDImobile, these providers all operate off the bigger Optus, Telstra and Vodafone mobile networks. Basically, this means that these smaller companies buy access from the bigger companies and resell it to customers. The bigger companies make money from access fees and the smaller companies depend on lower fees and subscription rates.

The cities

Perth

Perth recently received a lot of attention for their newly named Optus Stadium. But Optus may not be the best mobile network provider for people living there. Instead, it is Telstra that provides a wider coverage area, which spans even the coast of Perth. Telstra is also able to reach more remote communities. The area in which Optus wins is in its level of coverage within its limited area. While Telstra has more patchy but widespread coverage, Optus has stronger coverage within its limited coverage area. This won’t affect customers in the immediate Perth city area but can be a point to consider for those living in remote areas. Vodafone’s meagre mobile network coverage is barely worth mentioning when compared to the other two larger mobile networks.

Brisbane

While the east coast receives better mobile network coverage than Western Australia, there aren’t many differences between the rating of service providers. Vodafone continues to lose out in terms of their mobile network coverage. Although, frequent sailors and beach-goers might want to consider that Vodafone does have some coverage that extends out from the Queensland shores, while Optus does not. Once again Optus proves that what they do cover, they cover well. However, Telstra is the ultimate winner in terms of coverage area although customers might lose service temporarily when exploring Queensland’s many parks. Unfortunately, this coverage is almost entirely spotty and poorly covered if you’re travelling north of Queensland, beyond Cairns or Port Douglas.

Melbourne

Melbourne might be the one city where all three mobile networks are somewhat equally matched. Optus and Vodafone appear to cover most of the mainland, although Vodafone does have trouble reaching the more remote communities. Once again, Telstra emerges as the winner. With mobile network coverage extending to King’s Island and even to Tasmania! You could swim from Melbourne to Flinder’s Island and then onto Musselroe Bay, Tasmania and never lose cell service! Now that’s pretty impressive. For those who like to keep our feet on solid ground, Vodafone is the surprising winner with solid 4G mobile network coverage within the immediate Melbourne vicinity!

Sydney

Sydney is where Optus reigns supreme. With solid 4G coverage, even in parts of Sydney’s many national parks, the mobile network makes up for its lack of remote coverage. Telstra loses in this city due to its extremely patchy service, although truly remote communities might not have a choice as this is the only provider with access to inner New South Wales. Even its extensive sea coverage can’t make up for the lack of solid 4G mobile network service on land. Vodafone appears to have incorporated the worst parts of the Optus and Telstra networks with patchy coverage on land and lack of service on the water.

Adelaide

Once again Optus is the clear winner in South Australia. Although Telstra continues to provide mobile network service to customers on the water, their coverage on land is lacking. Optus wins because their service covers land and even most of Kangaroo Island. Unfortunately, Vodafone’s service area barely reaches Port Lincoln, making the poorest choice of the three mobile network providers.

Northern Territory

In this area of Australia, mobile network coverage is exceptionally poor. Even Telstra only serves a couple of spots, leaving the whole area as, more or less, a dead zone.

The smaller providers

It is important to consider the three major mobile network service providers as the smaller companies use these foundational networks. We’ve broken it down for you so you know which network you’re on and which one you might want to switch to!

TelstraOptusVodafone
·         CMOBILE blue*

·         Think mobile*

·         Boost

·         Belong

·         ALDImobile

·         Telechoice

·         Vaya

·         amaysim

·         Virgin mobile

·         Bendigo Bank Telco

·         OVO mobile

·         Moose mobile

·         Yomojo

·         Lebara

·         CMOBILE red*

·         TPG

·         Think mobile*

·         Kogan

*Please note that depending on your city, CMOBILE and Think mobile may use different networks.

The 4G debate

Although we have analysed the three big networks based on their coverage, the quality of service is also an important consideration. Optus has been estimated to provide 4G mobile network coverage to 95.9% of customers in Australia. Vodafone was a pioneer in introducing the 4G mobile network in Australia, but today, their 4G coverage sits at an estimated 95.3% in metropolitan areas. Even in this aspect, Telstra wins with 4G coverage of 98% in Australia.

Although 3G coverage serves more Australians, as it has been around longer, Australians today want faster access to information. There isn’t much of a point investing in new phones with faster processors if cellular service is going to hinder searches. It’s always a good idea to go online and check your mobile network coverage before committing to a service provider.

If you’re getting a new phone or contemplating changing your service provider, the first step is always to consider your needs. Where do you live and what do you need your phone for? If you’re a regular sailor who needs service on the open water, Telstra is your best option. However, those who spend most of their time in the city and only require fast internet connections might look to Vodafone! Those afraid of losing their number by switching, need not be concerned. With porting, you can keep your number! It couldn’t be easier and it’s all handled by your new mobile network provider.

The final consideration is the cost! If you need a quick online loan to secure that new smartphone or mobile network plan, with Quick Online Loans! Use our online loan calculator to decide on an amount to borrow and then you’re ready to apply with our easy online application. We’ll match you with the lender that will give you the best deal. All you need to do is sit back and decide which network you want to join! Get online and apply now!

We can help you find SMART loans!