Are you looking to the heavens for advice about your finances? This year Mozo has consulted the stars above (Leo Dicaprio won’t call us back), the cards (Uno), and our crystal ball (ok, so it was a magic 8-ball from the toy section), to bring you an in depth astrological reading.
None of them had much to say, but we’re feeling pretty confident in our own stargazing abilities this year.
So here goes nothing…
Aquarius (January 21 – February 19)
Known for: Your smarts and willingness to rock the boat when you need to – James Dean’s got nothing on you.
Top money saving tip for 2016: This year, you’re going to make yourself a rebel with a cause and fight back against unnecessary fees on your bank account. Start by visiting Mozo’s bank account comparison hub and put those smarts to good use to find yourself a better deal with no fees and competitive features to boot. Not sure where to start? The ME Everyday Transaction Account, which has $0 account keeping fees and fee free access to any ATM in Australia, is definitely worth a look.
Pisces (February 20 – March 20)
Known for: Being devoted and passionate in your personal life, but a bit of a dead fish when it comes to practical matters.
Top money saving tip for 2016: Feel like you’ve been trying to swim upstream lately? This year we see you letting a little effort go a long way by moving your cash stash to a high interest savings account. Then you’ll just have to sit back and watch while you net yourself an ocean of savings. Too many fish in that sea? Why not start with the winner of Mozo’s 2015 Experts Choice Awards, the ING Direct Savings Maximiser with an ongoing interest rate of 3.50% if you deposit $1,000 a month. When you’ve done that, we’ll stop with the fish jokes.
Aries (March 21 – April 20)
Known for: Always being the first to shout a round of drinks. Aries, you’re loved for your generosity, but occasionally, your natural impulsiveness means a round for your friends turns into cocktails for the whole bar.
Top money saving tip for 2016: The stars are telling us it’s time to get serious Aries. If your credit card has almost single handedly been funding your local pub, it may be time to knuckle down and start paying off the debt. Check out a 0% interest balance transfer card and remember to make regular repayments to get you back on track in 2016. Our top pick? How about the American Express Essential credit card, which has a 0% p.a. interest rate on balance transfers for 12 months, no annual fee and earns you 1 point per dollar spent on AMEX. For tips on using a balance transfer card like a pro, read our Balance transfers explained guide.
Taurus (April 21 – May 21)
Known for: Your strength and stamina. And a healthy dose of stubbornness.
Top money saving tip for 2016: You’re going to need all three of those things when you sit down and work out your super this year. This is not a task you can go about like a bull in a china shop. Use the myGov website to find out if your cash is stashed in multiple accounts and then charge toward consolidation.
Gemini (May 22 – June 21)
Known for: Your sociability and wit. Yep, everyone loves you. Except your bank account, which could do without all those impulse buys.
Top money saving tip for 2016: We’re not going to tell you to change who you are but if there are things like gym and club memberships you no longer need, then the cosmic timing is right to give them the flick. So take the time to go over your bank statements and cancel those direct debits you no longer use. Check out these other ways you might be ripping yourself off financially while you’re at it. We’re predicting you’ll save some easy money this year and the new gadget you just had to have won’t hurt your wallet so much. Let’s face it; where there’s a will to shop, there’s a way.
Cancer (June 22 – July 22)
Known for: Your occasionally eerie similarity to a hermit crab – you like your home and if you could, you’d probably carry it on your back too.
Top money saving tip for 2016: This year you’ll do the next best thing and take steps toward owning your home sooner, or if you already have a mortgage, to paying it off quicker. Whether you’re looking to secure a great deal or need some advice on your current loan, Mozo’s home loan negotiator can help you out. You’ll be tucked up in a home you own in no time at all.
Leo (July 23 – August 21)
Known for: Being obnoxiously courageous and stubborn, but hard to dislike for it. Basically, you’re the Gryffindor of the zodiac.
Top money saving tip for 2016: The fates have cast you in the role of environmental hero this year, so see what you can do about setting yourself up with some green energy. To find an energy deal that won’t break the bank, head over to Mozo’s energy comparison tool. Just remember to tick the green energy option to filter your results and you’ll be roaring toward environmental sustainability in no time.
Virgo (August 22 – September 23)
Known for: Your notorious perfectionist streak. Everyone else is a little in awe and a little afraid of your analytic skills.
Top money saving tip for 2016: With all those skills at your disposal, we know you won’t get caught paying unnecessary fees when you travel. But it’s hard to be perfect all the time, and we’re predicting that this year you might have some trouble working out which credit card to slip into your carry-on luggage. Check out Mozo’s article on finding the perfect travel plastic for your travel style for a little help.
Libra (September 24 – October 23)
Known for: Having a great need for harmony and balance. This is sometimes entirely at odds with your scatterbrained nature.
Top money saving tip for 2016: This year might bring upheavals for you, Libra. We can’t help with everything, but to strike a harmonious note in your finances, balance your wants against your needs, your spending against your saving goals, and come up with an in depth budget. Mozo’s budget planner will help you keep track of everything.
Scorpio (October 24 – November 22)
Known for: Loving nothing more than a challenge, and a strong entrepreneurial streak that keeps you focused and daring. To be honest, it can be a little intimidating.
Top money saving tip for 2016: You might decide to make a bold move and try putting all that energy into investing this year. But don’t rush into this one unprepared – to avoid getting stung, you’ll want to do some serious research, starting with Mozo’s investing hub.
Sagittarius (November 23 – December 22)
Known for: Your fierce sense of independence, and the intellect and resilience to back it up. Or maybe just the luck.
Top money saving tip for 2016: Lady Luck has served you well so far, Sagittarius, but don’t leave everything to chance this year. We predict some kind of trip may be on the cards for you. It might be an exotic month-long getaway or a quick trip to Uncle Tim in New Zealand (crystal balls are not an exact science). But first, take a look at some of the travel insurance options on offer to make sure it doesn’t all end in disaster.
Capricorn (December 23 – January 20)
Known for: Being organised to the point of militancy. Every part of your life is planned, and if it’s not, you better believe it will be soon.
Top money saving tip for 2016: Can your planning stand up to the will of fate? We’re seeing you searching out new strategies and updating your financial plans this year. There’s probably not a lot of planning advice we can give you, so instead, check out these quick ways to save in 2016 for some tips and tricks (even you may not have thought of) to make your saving even more effective.
Disclaimer: The stars are about 40 trillion kilometres away from Earth and don’t know much about finance. Any advice based on them should be taken with a grain of salt. Mozo, on the other hand, may not know much about astrology, but we do compare 1,800 products from 200 banking, insurance and energy providers to find you the most competitive deals and best money saving strategies.