Tips and Tools
Welcome to Mozo’s Tips & Tools zone, where we’ll crunch your financial numbers, give you insider tips and bust that banking jargon to get you money savvy. From home loan calculators to budgeting tools, we’ve got you covered.
Calculators
The first hurdle to managing your money is knowing where you're at. Our free calculators afford a clearer picture.
- Budget calculator
"Where does it all go?"
- Savings calculator
"How much can I save?"
- Borrowing calculator
"How much can I afford to borrow?"
- Stamp duty calculator
"How much do I have to pay?"
Neat links
Helpful as we are, you might want to check out some other sites around the place that can help with money matters.
- Currency converter
- This online currency converter has the latest worldwide currency rates and lets you perform currency conversions in a flash.
XE Universal Currency Converter - Credit report
- Get a free copy of your credit report at MyCreditFile and check your credit rating, which is used by lenders to assess your application for loans, credit cards, phone accounts and more.
Check out MyCreditFile - First home owner grant
- The Government’s first home owner scheme provides a one off grant of up to $21,000 to eligible first home owners. You can find all the details and even apply online.
First home owner grant - Lost super
- Looking for lost super? The ATO’s free online SuperSeeker service looks for your lost super in real time and finds possible matches. You can also do a more extensive lost super search over the phone.
SuperSeeker - Consolidate super
- If you want to consolidate your super by transferring it from one fund to another, here’s a link to the ATO’s superannuation portability form which you can download online.
Super portability form - Unclaimed money
- ASIC’s free online unclaimed money search tool will help you find money left in old bank accounts, company shares or life policies that you might have forgotten about or didn’t even know you had.
Unclaimed money search - Financial Ombudsman
- If you need to make an official complaint against a banking, insurance or investment provider, the Financial Ombudsman is a free and independent dispute resolution service.
Check out the Financial Ombudsman - Switching Bank Accounts
- The Government has introduced new measures to make it easier for you to switch banks if you are not
satisfied with your current one.
Get switching help - First home saver account calculator
- If you're saving for your first home, FIDO's new home saver account calculator and checklist can help you decide if this type of account is for you.
Get first home saving help
Got any other links you think are useful?
Jargon Buster
Possibly even more confusing than a bunch of money numbers are the words that purport to explain them.
So if you’ve been charged an inexplicable fee, or have all manner of terms and clauses in a banking contract, let Mozo bust your jargon jam.
Articles
Our articles have all the info you need to minimise fees, max out your benefits and get your finances sorted.
- Credit card articles
-
Compare credit cards to avoid high fees, says ABA
Australia's banks are beginning to cut back on various account fees as consumer anger grows, it has been suggested.
Read more... - Debit card articles
-
ANZ iPhone app offers free fund transfers
ANZ Bank has launched a new iPhone app that allows customers to transfer funds to anyone with a mobile phone free of charge.
Read more... - Home loan articles
-
Yellow Brick Road removes savings requirement for first-time home buyers
An up-and-coming non-bank lender is aiming to offer first-time home buyers a more competitive option by removing the need for home loan applicants to show proof of savings.
Read more... - Savings account articles
-
Generation Y are Australia's most thrifty
Australians in their late teens and early 20s are among the country's most thrifty shoppers, a study has revealed.
Read more... - Term deposit articles
-
Term deposits prove a good option for 'excess investor cash'
Australia's self-managed super funds are currently home to about $34 billion in "excess cash", it has been revealed.
Read more... - Reserve bank articles
-
Stronger-than-expected data makes rate hike likely
New retail trade and building approval figures suggest that an interest rate hike before the end of the year is now highly likely, an expert has said.
Read more... - Interest rate articles
-
Arrears down as Aussies get to grips with home loans
The interest rate cuts enacted by the Reserve Bank of Australia (RBA) before Christmas helped to reduce home loan arrears during the first quarter of 2009, new figures from Fitch Ratings show.
Read more...
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