Resources Library

Makes Cents is a resource to help you learn more about saving, borrowing, investing and protecting yourself. The information provided here is to help you shape your future to reach your goals and aspirations. If you have a question or want more information please let us know

Design a Budget
If you are after a savings plan here is a great tool to help you start off, our budgeting planner will help you map out your income, costs and savings. Set yourself a realistic savings goal so you can get that special purchase!

Choosing a Credit Card
Credit Cards are not for everyone, it’s important you research and fully understand what a credit card is and its implicated costs. If your unsure about a Credit Card, try a Debit Card where you only spend your money.
Read more

Joint Accounts
If you are considering a joint loan or savings account make sure you read the following information. There are lots of things to consider before you start a joint savings or loan account. Read more

Dealing with Debt
If you are struggling with debt take control with these tips. Don’t forget to talk to your financial institution as they can assist. Read more

Having Trouble Paying my Loan
If you are having trouble repaying your loan make sure you speak to your financial institution for assistance. Read more

How to choose a Home Loan
If you are buying a home this will help you map out what you can afford and what costs to expect. Read more

Should I switch my home loan?
Well the more you pay off your home loan at the moment the further ahead you will be getting as the interest paid each month is getting lower (based on the recent interest rate decreases).

If you are looking to switch your home loan to another financial institution there are a few things you should do;
•    Investigate any hidden fees or ongoing charges
•    Compare what you will save over time.
•    Check the comparison rate- takes into account things such as fees and charges which make up the cost of credit, in addition to the interest charged. The Australian Government has a great factsheet on this.

What is a Comparison Rate?
A comparison rate is a tool to help you identify the true cost of a loan. It incorporates any hidden costs such as fees, charges of a loan and reduces them to an interest rate. factsheet

First Home Owners Grant
If you are buying your first home you may be eligible for the First Home Owners Grant

Selling your Home
Selling your home can be a daunting experience, this will take you through the sale process and using an agent. Read more

Investors
Sick of seeing your Super going backwards, now may be the time to look at buying that investment property you have been talking about.

The Australian Taxation Office has a great guide to download for first time investors.

The Office of Fair Trading also has some great information on being a landlord.

What to look for in a Used Car
If you are buying a second hand car make sure you read this checklist it could help you avoid costly problems in the future.

New Car Buying Tips
Before you walk into the caryard make sure you have done your homework. Read more

Protecting your Personal Details
Identity theft can occur when someone steals your personal details, make sure you know how to protect yourself from such scams. Read more

Beware of Scams and Fraud
Scammers can be very convincing and can cheat you out of your money. If it sounds too good to be true it probably is. Read more

ATM and Card Skimming
Card skimming devices are becoming more common place, learn how to detect and protect yourself against one.

Phishing emails
Is where a fraudster pretending to be a legitimate organisation sends emails to requesting personal information to unsuspecting individuals. Read more