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.
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?
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?"
Articles
Our articles have all the info you need to minimise fees, max out your benefits and get your finances sorted.
- Credit card articles
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Credit card holders to be hit with more interest rate rises
Australian credit card holders will face higher repayment costs as the major banks raise interest rates this month.
Read more... - Debit card articles
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Young Aussies 'were unaffected by the financial meltdown'
The global financial crisis did not have a huge impact on the spending habits of "Generation Y", it has been found.
Read more... - Home loan articles
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Home loan approvals fall in January
Australian home loan approvals fell in January following a series of interest rate hikes.
Read more... - Savings account articles
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Nearly half of all couples argue over money
Almost half of all couples argue over money - and finance feuds are on the rise, new research shows.
Read more... - Term deposit articles
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Gender pay gap remains wide
Australian women are still earning an average of 17 per cent less than men, new figures show.
Read more... - Reserve bank articles
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Interest rates 'likely to rise in April'
An interest rate rise next month is likely, thanks to a series of new figure suggesting that Australia is heading towards recovery, it has been claimed.
Read more... - Interest rate articles
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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...
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.
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