With Australians typically spending 16% of their total household income on transport, it's much cheaper to buy a bike and take up cycling.
Susan Hely
 | Susan has been a finance journalist for more than 30 years, beginning at the Australian Financial Review before moving to the Sydney Morning Herald. She edited a superannuation magazine, Superfunds, for the Association of Superannuation Funds of Australia, and writes regularly on superannuation and managed funds. She's also author of the best-selling book Women and Money. Connect with Susan Hely on LinkedIn. |
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Ideally you want kids to organise their own part-time, but parents can play an important role by helping with resumes and applying for a tax file number.
The low income earners super contribution - worth up to $500 a year for 3.6 million Australians - has been scrapped as part of super changes.
It's a good time to be wise with water, says Susan Hely.
For just $5000 you can invest in residential property in Australia.
With an inner-city vegetable garden, you can become self-sufficient in food for around $270.
With most credit cards you need an income when you apply and often the income needed is more than most university students earn.
Susan Hely switches on to greater energy efficiency.
Mercer SmartPath members can be active investors with the super fund or leave the decisions to the experts.
Retirement savings are up but it's only enough for a modest lifestyle, writes Susan Hely.
