How to budget
Find out how to budget your finances more productively and attain financial growth. Get expert financial advice through nestegg’s up-to-date content on budgeting and saving.
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Australian consumers are looking to spend big as they say goodbye to a year of lockdowns.
" ["fulltext"]=> string(3215) "The frugal financial habits of Aussies are changing to take advantage of new freedoms.
According to data released by Mastercard, the average Australian consumer has saved around $5,000 since the pandemic began.
However, with an easing of lockdown restrictions in sight, many consumers now say they plan to change up their spending in a bid to make up for lost time.
Mastercard’s research suggested that this shift in behaviour will see Aussies rack up an extra $420 per month in spending.
The most popular activities here included dining out at 56 per cent and international travel at 62 per cent.
Mastercard’s findings here align with similar data released by the Commonwealth Bank of Australia, which found that 88 per cent of young Australians made sacrifices to their lifestyle in order to afford larger purchases.
As much as 65 per cent of Aussies aged between 25 and 35 admitted to sidestepping everyday items like household goods or new shoes for temptations like tech and experiences like concerts and festivals.
Other items these younger consumers felt were worth sacrificing included clothing, furniture and dining out.
Mastercard Australia vice-president of cyber and intelligence Mallika Sathi reminded eager consumers to remain wary of scammers.
“For many Australians, the coming months will prove to be priceless as they reconnect and rediscover the joy of in-person experiences with friends and family,” she said.
Ms Sathi noted that approximately 64 per cent of those surveyed admitted to spending money through an unfamiliar online website or business that they had not purchased from prior to lockdown.
Despite this, Mastercard found that 1 in 2 Australian consumers didn’t even check Google or check social media for signs of legitimacy before spending.
All told, the company found that the average amount lost because safe shopping habits weren’t followed was around $425.
Ms Sathi’s comment comes on the back of a warning by Australian Competition and Consumer Commission advising consumers to remain wary during the final stretch of 2021.
ACCC deputy chair Delia Rickard said that it isn’t uncommon for scammers to take advantage of the last-minute Christmas rushes by consumers.
“People are often searching for the best deals online, especially in the Black Friday and Cyber Monday sales, so it’s easy to be caught off guard and fall for a scam,” she said.
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Australian consumers are looking to spend big as they say goodbye to a year of lockdowns.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(85) "/save-money/how-to-budget/after-months-of-saving-aussies-are-eager-to-break-the-habit" ["image"]=> string(52) "images/article-826x550/money-saving-piggybank-ne.jpg" ["image_alt"]=> string(7) "savings" } [1]=> object(stdClass)#7992 (57) { ["id"]=> int(17530) ["title"]=> string(60) "Financial wellness is shifting the way we think about wealth" ["alias"]=> string(60) "financial-wellness-is-shifting-the-way-we-think-about-wealth" ["introtext"]=> string(131) "Australians looking to work towards financial freedom are embracing a new approach.
" ["fulltext"]=> string(3210) "Younger generations are putting their own spin on the traditional wealth-creation journey through a new push towards financial wellness.
Wisr chief strategy officer Dr Lili Sussman told nestegg that financial wellness is a multifaceted and complex issue, one that’s both subjective and objective.
“It’s about the role of money in your life and the relationship with yourself,” she said.
Dr Sussman said that financial wellness isn’t about purely how much money you earn, nor is it about how much you can save through tips and tricks. According to her, financial wellness eschews the simplicity of easy fixes and turns the complexity of financial literacy into a strength rather than a burden.
“Financial wellness has to do with being able to meet your current financial needs, setting yourself up for the future, having control over your money decisions and understanding how money helps you to live your values,” she explained.
Importantly, where financial wellness differs from the typical journey towards financial freedom is that it embraces a more nuanced perspective. That means acknowledging that not every individual sees financial wellness the same way and that not everyone is working towards the same goals.
This flexibility is part of its appeal to younger demographics, as it asks them how they can find financial wellness within their lifestyle rather than asking them to start living a different one.
“We all have different financial goals and values — not to mention hobbies, expenses and living situations — which means there’s no one right way to financial wellness,” Dr Sussman said.
However, in order to change, you have to know where to start.
“When you’re financially stressed, the last thing you need is to be told ‘stop spending and start meal prepping, you’ll be fine’,” Dr Sussman said.
According to her, achieving financial wellness isn’t something limited by age, gender or earning capacity. Ultimately, it comes down to financial literacy.
“With knowledge comes power and, in turn, helps you to understand your relationship and behaviour with money. It’s a key foundation of improving your financial wellness,” she said.
Beyond just being willing to re-evaluate and rethink the way you think about money, Dr Sussman said that a willingness to commit to better financial behaviours over the long run can be critical.
“Like our physical health, everyone has the right to be financially well and can get there by building good habits,” she said.
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Australians looking to work towards financial freedom are embracing a new approach.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(86) "/save-money/how-to-budget/financial-wellness-is-shifting-the-way-we-think-about-wealth" ["image"]=> string(39) "images/article-826x550/budgeting-ne.jpg" ["image_alt"]=> string(60) "Financial wellness is shifting the way we think about wealth" } [2]=> object(stdClass)#7991 (57) { ["id"]=> int(17509) ["title"]=> string(53) "How to stay in control of spending ahead of Christmas" ["alias"]=> string(53) "how-to-stay-in-control-of-spending-ahead-of-christmas" ["introtext"]=> string(190) "Those looking to improve their finances need to find the middle ground between being a grinch and going overboard ahead of the holiday season.
" ["fulltext"]=> string(2739) "Christmas is never a great time for those looking to save money, but there are a few tricks and tips that experts recommend for those looking to budget around the festive season.
Minnik Chartered Accountants founder Leah Oliver said that planning for the expenses of the holiday season in advance can make a big difference when it comes to dealing with the stresses involved.
“Until you can accurately identify your actual personal income and expenses, you will always be spending on things without knowing if they are affordable at that point in time,” she said.
For those looking to start calculating the costs of their next Christmas, Ms Oliver said that tracking your everyday household expenses is a great place to begin.
“This will allow you to see a clear picture of what surplus you have to work with,” she said, comparing the effective budgeting of a household to that of a successful business.
Once you’ve got that positively geared amount of income in mind, Ms Oliver explained that the next step was to divide and conquer your Christmas expenses.
By calculating each category of your seasonal expenses from holidays to entertainment to gifts, and then factoring those aggregated sums back into your household budget, Ms Oliver said that you should be left with a good idea of whether or not your ideal Christmas will fall within your means.
“If this figure is negative, it is clear that you are reaching for credit cards and debt to fund your lifestyle,” she warned.
Ms Oliver said that those who are struggling with tighter finances should consider alternative income streams or pulling back on unnecessary expenses if they want to try and improve their situation.
“It is remarkable the change we see in families who embrace this concept and take control of their financial position,” she said.
By planning for the expenses of Christmas ahead of time rather than flying blind with your money, Ms Oliver said that consumers will be better positioned to enter the year in a more positive financial position.
“Don’t let another year go by dealing with the financial stress of Christmas on your family,” she said.
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Those looking to improve their finances need to find the middle ground between being a grinch and going overboard ahead of the holiday season.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(79) "/save-money/how-to-budget/how-to-stay-in-control-of-spending-ahead-of-christmas" ["image"]=> string(48) "images/article-826x550/christmas-presents-ne.jpg" ["image_alt"]=> string(27) "spending ahead of Christmas" } [3]=> object(stdClass)#7990 (57) { ["id"]=> int(17478) ["title"]=> string(83) "Got better about saving money during lockdown? Here’s how to hold on to the habit" ["alias"]=> string(79) "got-better-about-saving-money-during-lockdown-here-s-how-to-hold-onto-the-habit" ["introtext"]=> string(171) "Some Australians found lockdown an opportunity to get better about saving money, but holding on to those habits takes work.
" ["fulltext"]=> string(4467) "With Australia’s economy poised for reopening, it’s important that consumers don’t lose those good budgeting habits they picked up during the pandemic.
According to Schroders Global Investor Study 2021, 68 per cent of Australian investors are more focused on their finances now than they were before COVID-19.
“The pandemic seems likely to have a long-lasting effect on people’s finances, with many investors looking to save more for retirement and prioritise saving over spending,” Schroders Australia CEO Sam Hallinan said.
Speaking to nestegg, 86 400 CMO Travis Tyler said that the conditions of lockdown encouraged many Australians to shift from a spending mentality to one focused on saving money instead.
“We’ve seen more customers paying their loans down, saving a higher proportion of their regular pay and setting up regular savings plans,” he said.
Mr Tyler revealed that more consumers are reviewing their expenses to identify where extra savings can be found.
However, he warned that these gains are at risk of being offset by the rise of the convenience economy.
When it comes to online shopping, for example, Mr Tyler said that consumers are purchasing items like clothing in smaller amounts, but doing so more frequently.
These small-value, high-frequency purchases add up quickly, he warned.
“The challenge is to be disciplined, so these smaller amounts don’t add up to the previous, larger shopping sprees that we may save for, or mentally allow for each pay packet,” Mr Tyler said.
Wisr chief strategy officer Dr Lili Sussman said that those looking to make the most of their newfound saving habits should make paying down debt a priority.
She said that the fastest way to go about this is to contribute more than the minimum each month.
“However, you should always check the terms and conditions of paying your debt down faster, as some institutions have maximum repayment limits within certain periods and additional fees associated with paying it down faster,” she added.
To help with this, Dr Sussman emphasised the importance of getting on top of your spending habits.
“You may find some expenses like monthly subscriptions coming out of your account that you forgot about,” she said.
Once you’re done paying down debt, Dr Sussman recommended focusing on building up an emergency fund target. According to her, going specific is usually the way to go here.
“Setting specific and time-bound targets for your savings is the best way to slowly build up your emergency funds and will help you feel more financially secure overall,” she said.
Another long-term indicator of financial fitness to keep in mind is credit score.
Dr Sussman said that your credit score shouldn’t be overlooked when it comes to getting your finances in shape, as it may be used by credit providers to determine whether or how much money they can lend.
She warned that those who change their place of residence should be especially careful not to miss any final utility payments, as this can cost them.
Ultimately, Dr Sussman advocated for Australians to set financial milestones and goals when it comes to setting yourself up for the future because they create a structure and context around what you’re doing.
“It’s important to know that the things you do now can make a difference down the track,” she said.
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Some Australians found lockdown an opportunity to get better about saving money, but holding on to those habits takes work.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(105) "/save-money/how-to-budget/got-better-about-saving-money-during-lockdown-here-s-how-to-hold-onto-the-habit" ["image"]=> string(41) "images/article-826x550/budgeting-2-ne.jpg" ["image_alt"]=> string(9) "budgeting" } [4]=> object(stdClass)#7989 (57) { ["id"]=> int(17458) ["title"]=> string(62) "Planning around rate rises beats panicking about them for FHBs" ["alias"]=> string(62) "planning-around-rate-rises-beats-panicking-about-them-for-fhbs" ["introtext"]=> string(152) "If you’re a first home buyer worried about rising interest rates, the worst thing you can do is panic.
" ["fulltext"]=> string(4454) "If you’ve started paying off a home loan, then there’s no excuse for not thinking ahead when it comes to interest rates.
Right now, interest rates are at a prolonged and historic low. At some point, that’s going to change.
For many potential and current first home buyers, this will more likely than not be before they finish paying off their home loan. Interest rates can’t get much lower, so they’re going to rise. And when they do, those affected will want to be ready.
“With house prices continuing to soar and so much emphasis placed on saving up a deposit, it can be easy for first home buyers to get blindsided by the fear of possible future interest rate spikes,” WLTH co-founder Drew Haupt said.
Rather than run for the hills when interest rates rise, Mr Haupt recommended preparing for the inevitable by staying informed, educating themselves about how future rate rises might impact on their budget, and working around those possibilities.
When it comes to interest rates, knowledge is power. If you’re too scared by the risk involved to do the research, you’re going to make worse decisions than the alternative.
“When looking at interest rates with fear, many first home buyers put themselves in a risky position,” Mr Haupt said.
He said that many potential buyers fall into the trap of putting off their ambitions to own a home until they are more confident about interest rates.
“It can be hard to predict when interest rates will rise or fall, so for first home buyers who are eager to enter the market, there is no better time than now,” Mr Haupt said.
He said that this approach prevents first home buyers from feeling out of control when it comes to rates and their investment. Over time, it helps them build confidence in their own financial decisions.
Mr Haupt also emphasised the importance of remaining realistic when it comes to budgeting.
While many people start to “tighten their belt” when they sense interest rates rises are looming, Mr Haupt said that it’s equally important to put money aside for an emergency fund. He said that having that fallback in place will allow them to face the possibility of rate rises with assurance rather than caution.
For first home buyers specifically, he said that they need to think carefully about how they manage and keep track of their income sources, fixed costs and variable expenses. If possible, they need to think ahead.
“Rather than running for the hills when interest rates rise, it’s important that first home buyers do their due diligence and build confidence by staying informed, educating themselves about future rate rises and creating a realistic budget,” he said.
In its most recent call, the Reserve Bank of Australia held the cash rate at a record-low 0.1 of a percentage point for the ninth month in a row.
Previously, the RBA had said that it wouldn’t look to raise the cash rate until certain targets were met when it comes to inflation and wage growth.
However, following the most recent rate call, AMP Capital economist Shane Oliver downplayed the possibility of those conditions being met anytime soon.
“The lockdown, and its hit to economic activity, has further delayed the time when the effective RBA conditions — full employment and 3 per cent or more wages growth to sustain 2–3 per cent inflation — will be met to justify a rate hike,” Mr Oliver said.
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If you’re a first home buyer worried about rising interest rates, the worst thing you can do is panic.
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["alias"]=> string(33) "emergency-fund-how-much-is-enough" ["introtext"]=> string(254) "How much do you need in an emergency fund? Here are some of the factors you should take into account when estimating how big your savings for the rainy days should be.
" ["fulltext"]=> string(10415) "Have you ever had one of those months anything that could go wrong, did go wrong? Your car broke down and you’re dealing with a leaking pipe in your home. Worst of all, your boss just told you that you’ve been laid off from your nine-to-five job.
Financial hardships and disruptions happen to the best of us, and sometimes it feels like they come in waves. This is where an emergency fund can come in handy.
An emergency fund is a financial buffer for when unexpected expenses appear or when unfortunate life events which can negatively impact your financial situation happen, such as a job loss or medical emergencies.
There is no prescribed amount of money that you need to save, but the basic rule of thumb financial experts recommend their clients follow include setting aside three to six months’ worth of your living expenses in a bank account for emergencies.
But in some situations, you may need to save up to 12 months’ worth of living expenses.
If you just ran the numbers in your head and feel like it’s a herculean undertaking, you’re not alone. A recent study showed that millions of Australians don’t have money stashed away for rainy days.
According to research by comparison site Finder, around a third of Aussies they surveyed (31 per cent) don’t have enough cash in reserve to cover a month’s worth of living expenses. Meanwhile, one in five people (19 per cent) still don’t have any emergency safety net at all.
Here are some of the factors you should take into account when estimating how big your emergency fund should be.
What is an emergency fund?
An emergency fund refers to extra money you save from your income, designed to protect you from worst-case financial scenarios, such as a job loss or the loss of your primary income (e.g. business).
Emergency funds are also designed to protect against smaller emergencies, such as home repairs, auto repairs, unexpected medical bills or a sick pet.
Aside from providing funds for a potential disruption of your income, a well-funded emergency fund can:
- Prevent you from needing to access your superannuation or retirement accounts
- Avoid the need to liquidate investments (e.g. stocks, bonds, property, etc)
- Prevent you from incurring debt (personal loans, payday loans, etc)
How much should your emergency fund be?
So, what is a good emergency fund amount? There is really no answer that is one-size-fits-all. The amount is usually based on your bill obligations, family needs, job stability or other factors.
As mentioned, it’s generally recommended to have three to six months’ worth of living expenses available for emergencies.
We list down some factors (and additional questions) to help you determine how big your emergency fund should be.
- Job stability. Is your job in high demand? Or will you have difficulty finding a new job if you lose your current one? Is your current position stable enough or are you jumping from gig to gig as a freelancer? You should also take into consideration if you have a specialised job or niche position that may require you to relocate or take extra time to replace.
- The average cost of living in your current location. Your cost of living is important in determining how much money you need to save for your emergency fund. If you’re living in an area which has a low average cost of living, experts typically recommend saving three to four months’ worth of expenses. However, if you’re living in an area which has a higher cost of living, you should consider saving up to six months or a year’s worth of living expenses.
- How much your debt is. Being free from debt is a cornerstone of your road to financial stability. When creating your emergency fund, some people fail to take into account their debt repayments. Make sure that the size and duration of your debts (home loan, credit card debt, etc) will also be factored in when determining how much your emergency money should be. Some experts recommend a smaller emergency fund while you’re paying off debt.
- Your financial dependents. Do you have children and/or pets? Or are you financially responsible for several dependents? When building your emergency fund, make sure that you can cover living costs for you and your dependents while you work out your next steps.
- Your overall health condition. Are you relatively healthy? Do you have a medical condition or do high-risk activities? As the saying goes, health is wealth. Having a low risk of getting sick (and the accompanying medical bills) will lessen your need to save up for medical emergencies. If you are dealing with a long-term medical condition or are into extreme sports, it’s advised to have a financial buffer for medical emergencies.
- Your living situation. Are you renting your property? Or do you own your own home? If you’re renting, for some people it will be easier to estimate how much money you will need to pay off your monthly rent. But it could be a different story if you own your property. For example, if you have a property that will need constant repairs and renovations, you should set aside some money for emergency property maintenance.
- Your financial support network. Do you have a partner or family members that can offer financial support or assistance if needed? If you don’t have one, it’s advisable to have a back-up plan where you can get financial help if things go south.
How can I build my emergency fund?
Here are the basic steps to creating your own emergency fund.
- Set a savings goal. Work out how much you need. Determine how many months of expenses to save, between three and six months, based on your personal circumstances and your exposure to risks, as well as the factors mentioned.
- Estimate one month’s worth of expenses. Where does your money go every month? When calculating expenses, tally up things you’d still pay for in an emergency, like rent, groceries, debt and bills. Leave out non-essential expenses like travel and dinners out.
- Calculate the dollar amount of your savings goal. After knowing how much you spend every month, multiply your monthly expenses by the number of months you want to save. For example, if you want to save four months’ expenses and one month’s expenses are $3,000, your target is a $12,000 emergency fund.
- Set up a savings account. It’s advised to set up a separate, high-interest savings account for your emergency money. This will make it less tempting for you to dip into it for your daily expenses. You can choose to automate your savings account to make it easier for you to grow your fund.
- Capitalise on saving opportunities. Got a big bonus? Or did your tax refund reach a few hundred dollars? When you come across savings opportunities, deposit it in your emergency fund so you can reach your goal sooner.
The bottom line on emergency funds
While the three to six months expenses for an emergency fund is a “tried and tested“ rule of thumb by experts, our financial circumstances greatly differ.
We also understand that it can be greatly unrealistic for some people to establish an emergency fund that is as big as six months’ or even one year’s worth of expenses.
This means that, ultimately, only you can determine how big your emergency fund should be. Remember, you don’t need it all right away. Don’t get frustrated if your goal seems difficult to reach or out of hand for now.
It’s better to think of your emergency savings fund as an ongoing process. Working slowly towards your goal is fine, as long as you’re making progress.
Then, once you do reach it, you’ll have extra money each month to put towards other goals, such as retirement.
For more efficient tips and guides on how to save money, explore nestegg today.
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How much do you need in an emergency fund? Here are some of the factors you should take into account when estimating how big your savings for the rainy days should be.
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string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8193 (3) { ["data":protected]=> object(stdClass)#7956 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7953 (3) { ["data":protected]=> object(stdClass)#8174 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) 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NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#8591 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8173 (3) { ["data":protected]=> object(stdClass)#8163 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8166 (3) { ["data":protected]=> 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string(0) "" } [4]=> object(stdClass)#8589 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8170 (3) { ["data":protected]=> object(stdClass)#8168 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8169 (3) { ["data":protected]=> object(stdClass)#8205 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#8588 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8165 (3) { ["data":protected]=> object(stdClass)#8207 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8204 (3) { ["data":protected]=> object(stdClass)#8209 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#8598 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8206 (3) { ["data":protected]=> object(stdClass)#8214 (1) { ["options"]=> object(stdClass)#8212 (2) { ["options0"]=> object(stdClass)#8211 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8213 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8208 (3) { ["data":protected]=> object(stdClass)#8216 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#8495 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8210 (3) { ["data":protected]=> object(stdClass)#8218 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8215 (3) { ["data":protected]=> object(stdClass)#8220 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#8586 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8217 (3) { ["data":protected]=> object(stdClass)#8222 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8219 (3) { ["data":protected]=> object(stdClass)#8224 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(59) "/save-money/how-to-budget/emergency-fund-how-much-is-enough" ["image"]=> string(47) "images/article-826x550/piggybank-logbook-ne.jpg" ["image_alt"]=> string(14) "Emergency fund" } }Subscribe to our newletters
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