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Afterpay and Zip Pay are the two biggest buy now, pay later services in the country, and they work in quite different ways. Afterpay splits each purchase into four equal payments over six weeks. Zip Pay gives you a spending limit of up to $1,000 that you repay on a schedule you choose. Both are interest-free, but the fees you pay when things go wrong are very different. Quick verdict: Afterpay is better if you…
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Planning a new business is the step most new owners rush — and the step that saves the most trouble later. Before you spend money on stock, a shop fit-out, or a website, a clear plan helps you work out whether your idea can actually pay its way, what it will cost to start, and which registrations you need before you open your doors. This guide walks through planning a new business in simple steps,…
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Money is one of the easiest things for a couple to argue about, and one of the hardest to talk about calmly. A good budgeting app for couples fixes the practical part: both partners can see the same bills, the same balances and the same plan, instead of one person carrying the whole household budget in their head. The right app depends on how you already handle money. Some couples want every dollar given a…
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A small business is an independently owned business that sits below a set size limit — usually measured by how many people it employs, how much money it turns over, or both. The tricky part is that there is no single definition: the answer changes depending on whether you are talking about statistics, tax, or workplace law. This guide explains each definition in plain language, so you can work out which one applies to you.…
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Yes, you can budget on a low income — and it does not mean living on nothing or tracking every cent for the rest of your life. A budget on a low income is simply a plan that makes sure the essentials are covered first, so you are not caught out when rent, groceries, or a bill lands in the same week. If you want a free, trusted starting point, Moneysmart’s guide to doing a…