Essentials

Are microtrends hurting your wallet more than you realise?

If you've been guilty of buying something because "TikTok/Instagram told you to" - this read is for you

Flux team
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3
min read
· Posted on
October 10, 2024

Interest rates September 2024: RBA isn’t bothered with the US, it’s on a pause fest

The RBA has once again decided to hold the cash rate at 4.35%

Flux team
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3
min read
· Posted on
September 24, 2024

I’m in my 30s and I still don’t have any emergency savings. What do I do?

Don't have an emergency fund yet? Let's walk through how to build one!

Flux team
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4
min read
· Posted on
September 12, 2024

6 tips to help you manage financial anxiety

While financial anxiety is completely normal, it can become a constantly stress in life. Here are some tips to manage that stress.

Flux team
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4
min read
· Posted on
August 23, 2024

Are you paying more for your bills than the average household in Australia?

Think you might be paying too much for your household bills? Find out how much the rest of the country is paying.

Flux team
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4
min read
· Posted on
September 5, 2024

Interest rates August 2024: RBA once again holds the cash rate, for the sixth time in a row

The RBA has once again decided to hold the cash rate at 4.35%

Flux team
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3
min read
· Posted on
August 6, 2024

3 things the ATO is cracking down on this tax time

About to file your tax return? Hold up and check out what the ATO is cracking down on this tax season first.

Flux team
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3
min read
· Posted on
July 12, 2024

Your guide to understanding average salaries in Australia

The average salary in Australia is currently $98,217.60. But that number doesn't say as much as you'd think it does.

Flux team
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4
min read
· Posted on
July 11, 2024

4 tips to starting off the new financial year on the right foot

It's time to say goodbye to scrambling for receipts when tax time comes around!

Flux team
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4
min read
· Posted on
July 12, 2024

Interest rates June 2024: RBA pauses cash rate for the fifth consecutive time

The RBA has once again decided to hold the cash rate at 4.35%

Flux team
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3
min read
· Posted on
June 18, 2024

Your home loan rate has more to do with the US cash rate than you think

The RBA often looks at what the US Federal Reserve is doing before making its cash rate call. But why?

Flux team
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4
min read
· Posted on
June 18, 2024

Cut down your tax bill by donating to charity before June 30

End of financial year is looming, and if you're thinking of ways to maximise your deductions, what better way than donating to a good cause.

Flux team
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5
min read
· Posted on
June 13, 2024

Federal Budget 2024-25: Winners and Losers

The Federal Government just announced their 2023-24 budget. Here’s who came out on top, and who was left behind.

Flux team
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4
min read
· Posted on
May 15, 2024

What’s the Federal Budget and why is it important?

Just like us, the Government has to work out where its income is coming from and what expenses it has to pay.

Flux team
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3
min read
· Posted on
May 10, 2024

Interest rates May 2024: Australians collectively sigh in relief as the RBA announces a cash rate pause once again

The RBA has once again decided to hold the cash rate at 4.35%

Flux team
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3
min read
· Posted on
May 7, 2024

You’ve built your emergency fund. Here’s how to use it

Now that you've built you emergency fund, you want to make sure you're making the most of it.

Flux team
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3
min read
· Posted on
May 3, 2024

How much money should I have in savings at my age?

It's hard to know what a healthy savings balance actually is. That's when benchmarks can help!

Flux team
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3
min read
· Posted on
August 21, 2024

Why the CEO of Woolies is being threatened with jail time

The Australian Senate has set up a committee to investigate price gouging within supermarkets. Here's what's happened so far.

Flux team
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3
min read
· Posted on
April 18, 2024

What is rentvesting, and why is it becoming increasingly popular with young Australians?

With the property market becoming harder to access, rentvesting has become an increasingly popular strategy.

Flux team
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4
min read
· Posted on
March 20, 2024

Interest rates March 2024: The RBA’s keeping things drama free with another cash rate pause

The RBA has once again decided to hold the cash rate at 4.35%

Flux team
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3
min read
· Posted on
March 19, 2024

It's IWD and we are taking a look at how women are changing the investing landscape for the better

This International Women's Day, we take a look at the impact women are making by investing.

Harshdeep from Flux
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2
min read
· Posted on
March 8, 2024

Gender pay gap data has been revealed, and here’s what it means

It's the first time data has been collected on the gender pay gap across the Australian private sector. Find out what that means for you.

Flux team
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2
min read
· Posted on
March 7, 2024

The RBA’s changing things up in 2024

The RBA is getting a makeover in 2024 and shaking up the way they make monetary policy decisions.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Interest rates February 2024: The RBA’s playing it cool this year.

The RBA has once again held the cash rate at 4.35% in their first meeting of 2024.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Game, set, cash! How much tennis players will make from this year’s Australian Open

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

12 fashion and beauty freebies to snag on your birthday

Your ultimate guide to hundreds of dollars worth of free food and drinks to make your special day extra special!

Flux team
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2
min read
· Posted on
February 21, 2024

15 spots to get free food and drinks on your birthday.

Your ultimate guide to hundreds of dollars worth of free food and drinks to make your special day extra special!

Flux team
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2
min read
· Posted on
February 21, 2024

Interest rates December 2023: The RBA brings the festive cheer by holding the cash rate

Guess who's coming to town with a sack full of good news? The Reserve Bank of Australia (RBA), that's who!

Flux team
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3
min read
· Posted on
February 21, 2024

Make the most of Black Friday sales this holiday season

With Black Friday around the corner, it's time to get sale-savvy.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates November 2023: C’mon RBA, We Were Just Getting Comfortable

After four months off, the RBA has raised the cash rate again, this time by 0.25%. The cash rate now sits at 4.35%.

Flux team
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3
min read
· Posted on
February 21, 2024

31st October: Tax deadline is ticking closer

The ATO's deadline to lodge your tax return is looming, here's what you've got to know!

Flux team
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3
min read
· Posted on
October 11, 2024

Setting your budget to buy a new car

Dreaming about a shiny new car? Here's your guide to buying a new car without breaking the bank.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Interest rates October 2023: New RBA Governor Delivers on Debut

The RBA has once again decided to hold to cash rate this month at 4.10%

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Talk Medicare to me: your guide to decoding healthcare in Australia

We know Medicare is important, but most of us weren’t taught exactly what’s involved with it. Let's break it down.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

What’s an emergency fund needed for?

How much do you need saved up in your emergency fund? Here's the tea.

Flux team
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3
min read
· Posted on
February 21, 2024

How to say buh-bye to regrettable purchases forever

Make all your shopping decisions easier with this one nifty trick!

Flux team
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3
min read
· Posted on
February 21, 2024

Curing your post-holiday financial hangover with three age-old tips

Back from a holiday and nursing a killer financial hangover? Read on.

Flux team
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3
min read
· Posted on
February 21, 2024

Interest rates September 2023: Not one, not two, but THREE months of no change

The RBA has once again decided to hold to cash rate this month at 4.10%

Flux team
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3
min read
· Posted on
February 21, 2024

What is ethical investing?

What actually is ethical investing and does it really generate returns? You bet ya! Learn how ethical investing works in under 3 minutes.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Can I negotiate my rent?

Did you know you can actually negotiate your rent with your landlord? Here's how to

Flux team
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3
min read
· Posted on
April 4, 2024

Keeping up with your social life in a cost of living crisis

Getting tired of trying to have an eventful social life AND save money? Here's how to do both!

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Career break - come at me! Three things you need to know to nail a stress-free break

Dreaming about a career break away from the 9-5? Here's how to budget for it!

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates August 2023: no change…AGAIN!

The RBA had decided to hold to cash rate this month AGAIN at 4.10%

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Questions to ask your partner about money mindsets

It's a new romance, you're feeling all kinds of crazy in love. So we've got the perfect guide for you on talking money with your SO.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Mid Year Money Goals Check-In

We're halfway through 2023, so it's time to check in with those money goals we set way back in January.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Interest rates July 2023: No rate rise means some breathing space for Aussies

The RBA had decided to hold to cash rate this month at 4.10%

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

3 Things The ATO Is Cracking Down On In 2023

The ATO's looking out for three major things this tax season! Here's the down low.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

9 things that weren’t on our 2023 bingo card

2023 is off to a weird start, and it's probably only going to get weirder.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Money Scam Red Flags Ya Gotta Know

Getting spammed with dodgy texts and calls asking for ya bank deets and personal deets? Here's what's going on.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

How to make your budget work for your pay cycle

Trying to align your budget to your pay cycle can seem tougher than trying to keep a houseplant alive without the right strategies.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

The Australian property market 2023: The plot twist nobody saw coming

We all thought 2023 would be the year we see house prices start to go down. But these pesky house prices are moving up instead.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Interest rates June 2023: RBA can’t stop, won’t stop.

Interest rates just rose by 0.25%. What does it mean for your mortgage?

Flux team
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3
min read
· Posted on
February 21, 2024

How to get a tax refund on your holiday shopping

Make the most of your overseas shopping spree by claiming the VAT refund.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

How to spend money when you’re overseas

Whether you're a relaxed resort vacationer or a budget backpacker, working out how to spend while travelling can get a little headachey.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Federal Budget 2023: Winners and Losers

The Federal Government's just announced their 2023-24 budget. Here's who came out on top, and who was left behind.

Flux team
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4
min read
· Posted on
May 14, 2024

The RBA is entering it’s makeover era and economists reckon it’s about damn time

The Reserve Bank of Australia is about to get a major makeover following an independent review.

Harshdeep from Flux
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4
min read
· Posted on
February 21, 2024

Interest rates May 2023: The RBA’s trying to ice out inflation

After one month off, the RBA has raised the cash rate again, this time by 0.25%. The cash rate now sits at 3.85%.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

What happened in the 2008 Global Financial Crisis?

With whispers of a possible recession around the corner, let's flashback to last time there was a global recession, the 2008 Global Financial Crisis.

Flux team
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4
min read
· Posted on
February 21, 2024

Should I pay off my HECS-HELP debt early?

With student loans expected to be indexed 4%, should you think about paying off HECS early?

Flux team
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4
min read
· Posted on
May 31, 2024

What’s a recession and how does it happen?

We keep hearing the word recession with prices rising...but what exactly is a recession and are we in one?

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

4 finance myths we’re SO sick of hearing

Bringing in the mythbusters because we've been believing these finance lies for way too long.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates April 2023: Hallelujah! No rate rise - the RBA is FINALLY slowing down

After almost a year, we FINALLY have a month where there's no cash rate rise.

Flux team
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3
min read
· Posted on
February 21, 2024

Inflation and Unemployment are like Harry Potter and Voldemort, two opposing forces. Or maybe not?

In economics class, they teach that inflation and unemployment have an inverse relationship...but what if that's not holding up anymore?

Harshdeep from Flux
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5
min read
· Posted on
February 21, 2024

The lipstick effect: Lux spending in a cost of living crisis

The lipstick effect explains indulgent spending in a time of high prices. Sooo there might be a reason behind all those Uber Eats orders

Harshdeep from Flux
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2
min read
· Posted on
February 21, 2024

Investing 101: What’s your risk tolerance?

Adrenaline seeker or conservative keeper? Let’s talk about risk tolerance in investing.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Minimum wage and awards - know what you're owed

The basics about wage no one told you about in your first job!

Harshdeep from Flux
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2
min read
· Posted on
February 21, 2024

Splitting costs in a share house without the added dose of drama

Living with house mate doesn't have to come with serious drama. We're sharing the best ways to avoid money-conflict with your house mates.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates March 2023: The RBA be humbling us

Interest rates just rose by X%. What does it mean for your mortgage?

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Are interest rates the only way to tackle inflation? Part 3: delayed spending

Confused about why inflation is STILL high even with all these cash rate hikes? We'll talk through why and delayed spending as another possible solution.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Are interest rates the only way to tackle inflation? Part 2: Fiscal policy

Confused about why inflation is STILL high even with all these cash rate hikes? We'll take you through why and fiscal policy as another possible solution.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Are interest rates the only way to tackle inflation? Part 1: WTF is Monetary Policy?

Let's break down how monetary policy works and what other options are out there to bring down inflation.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

How to make your rental application stand out in Australia’s frenzied rental market

The rental market ain't slowing down anytime soon sooo here's some hot tips on how to jazz up your rental application.

Harshdeep from Flux
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3
min read
· Posted on
March 12, 2024

Freebies to grab in your birthday month

Who doesn't love free sh*t on their birthday! Here's the top list of birthday freebies in your birth MONTH!

Flux team
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3
min read
· Posted on
February 21, 2024

Making the most of a student budget

It's hard but yes it's possible to survive on more than just cold pizza and ramen on a student budget.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

How do I read my payslip?

You get your payslip every fortnight or every month, but what are all the different numbers on there and what do they mean?

Flux team
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3
min read
· Posted on
September 4, 2024

Interest rates February 2023: She’s so highhhhhhh

Interest rates just rose by 0.25%. What does it mean for your mortgage?

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Beyond the cash rate: The RBA explained

We all know the RBA keeps raising the damn interest rate. But what else do they do?

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

5 Tips from the Flux Fam that they actually followed

The Flux Fam shared their tried and tested money tips on saving, paying down debt, and savvy spending.

Flux team
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3
min read
· Posted on
February 21, 2024

Checking your financial fitness

LFG - it's time for the start of year reset! Learn how to check your financial fitness.

Flux team
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3
min read
· Posted on
February 21, 2024

How to break it to your mates you’re saving cash rather than seeing Flight Facilities for the 8th time

The 101 on nailing your money goals without sacrificing your social life. Thank us later.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Oh boy...Inflation just doesn't wanna slow down

CPI data just in - looks like inflation is on the ups once again.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Setting SMART financial goals in 2023

We're well and truely into 2023! Start the year on a high (different high) by setting SMART goals you'll actually stick to.

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates December 2022: The RBA has decided to grinch haaard this Christmas with another rate rise

The RBA strikes again, raising interest rates for the seventh month in a row from 2.85% to 3.10%!

Flux team
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2
min read
· Posted on
February 21, 2024

Why you may still feel broke even as a homeowner:

With cost of living rising high, homeowners could soon be facing cash problems despite their personal wealth. Let's break down how that works!

Harshdeep from Flux
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3
min read
· Posted on
February 21, 2024

12 of the finest Christmas present ideas when you’re completely lost

On the first day of Christmas Flux Fam gave to you, 12 epic gift ideas to look after your family and your bank too.

Flux team
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4
min read
· Posted on
February 21, 2024

Debt free? The RBA's cash rate still affects your life. Here's how.

Hey you without the mortgage. Did you know the RBA's monthly cash rate announcement still affects you?!

Flux team
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4
min read
· Posted on
February 21, 2024

Interest rates November 2022: Spooky rates are getting higher and higher

The RBA’s November decision is in. For the sixth consecutive month, the cash rate has risen. See how this affects you.

Flux team
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3
min read
· Posted on
February 21, 2024

Budget 2022: Who's in the money? And who's out?

We unpack the winners and losers from Labor's first budget after the election.

Flux team
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4
min read
· Posted on
February 21, 2024

Interest rates October 2022: We're going up again!

The RBA rate decision is in… and to put it bluntly… sh*t is getting kinda real.

Justin from Flux
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3
min read
· Posted on
February 21, 2024

Um. WTF is COGS?

From COGS to cos, you'll be speaking fluent #finance in no time.

Tash from Flux
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2
min read
· Posted on
February 21, 2024

Medicare vs private health insurance: Do I need both?

Do you really need private health insurance in Australia? Depends who’s asking… Let’s break it down.

Ashleigh from Flux
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3
min read
· Posted on
February 21, 2024

What are the different types of insurance?

There are sooooo many types of insurance that it can be hard to keep track… Let’s get clear on the main types.

Flux team
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3
min read
· Posted on
February 21, 2024

What’s the deal with superannuation and taxes?

Wondering how superannuation tax works? You’ve got questions, we’ve got answers.

Flux team
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2
min read
· Posted on
February 21, 2024

What does consolidating super mean? And why should you do it?

Superannuation accounts are a bit like the Hemsworth's. There's a lot of them that look pretty similar.

Flux team
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3
min read
· Posted on
February 21, 2024

Does my boss have to pay me super?

It seems like everyone gets super, right? But is superannuation compulsory in every circumstance?

Flux team
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3
min read
· Posted on
February 21, 2024

What is superannuation?

Most people have an account with a super fund, but do you know how it all works?

Ashleigh from Flux
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3
min read
· Posted on
February 21, 2024

Interest rates July 2022: How does the interest rate rise impact my home loan?

The Reserve Bank is on fire! This time, it's raised the cash rate by 0.50% to 1.35%. So what's the story for your home loan?

Anastasia from Flux
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4
min read
· Posted on
February 21, 2024

Tax 2022: Avoid this one major tax time no-no

The ATO just warned us about a big red flag it's watching for this tax season...

Ashleigh from Flux
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3
min read
· Posted on
February 21, 2024

Tax 2022: 3 tax myths that need to get the boot

Tax-time is confusing AF, but we're here to bust some myths and help you ace your tax return.

Flux team
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3
min read
· Posted on
February 21, 2024

Tax 2022: Why big tax refunds aren’t a good thing

I know what you're thinking, 'why the hell not?!'. Well, hold ya horses and hear us out!

Anastasia from Flux
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3
min read
· Posted on
February 21, 2024