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In uncertain times, having an emergency fund is more than a financial buffer—it's peace of mind. For Australians looking to start their journey towards financial security, building an emergency fund from scratch is a foundational step. This guide outlines practical steps and strategies to establish an emergency savings account, ensuring you're prepared for life's unexpected turns.

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Understanding the importance of an emergency fund

An emergency fund is a reserved pool of money designed to cover unexpected expenses, such as medical bills, car repairs, or sudden job loss. The aim is to provide financial security without resorting to high-interest loans or credit cards, which can exacerbate financial stress.

Step 1: Set your emergency fund goal

The first step in building your emergency fund is to determine how much you need. Most financial advisors recommend saving three to six months' worth of living expenses. Assess your monthly expenses to establish a target that suits your lifestyle and financial obligations.

Step 2: Open a dedicated savings account

Open a savings account specifically for your emergency fund. Look for accounts with higher interest rates to maximise your savings growth, ensuring it's accessible without being too easy to tap into for non-emergencies. Some banks offer accounts with no monthly fees and unlimited transactions, which can be ideal for emergency funds.

Step 3: Create a budget and identify savings

Crafting a budget is crucial. It provides insight into where your money goes each month and highlights areas where you can cut back. By reducing unnecessary expenses, you can allocate more towards your emergency fund. Consider using budgeting apps or spreadsheets to track your spending and savings progress.

Step 4: Start small and increase over time

If the idea of saving several months' worth of expenses seems daunting, start small. Even saving a small amount, like $20 or $50 per pay period, can build momentum. As you adjust your budget and find more ways to save, gradually increase your contributions.

Step 5: Automate your savings

Automation is a powerful tool for building your emergency fund. Set up automatic transfers from your checking account to your emergency savings account each payday. This "set and forget" strategy ensures consistent savings without the temptation to spend.

Step 6: Utilise windfalls wisely

Any unexpected windfalls, such as tax refunds, bonuses, or gifts, provide a great opportunity to boost your emergency fund. Allocating a portion or all of these funds to your emergency savings can help you reach your goal faster.

Step 7: Review and adjust regularly

Your financial situation can change, so it's important to review your emergency fund regularly. If your living expenses increase, adjust your savings goal accordingly. Likewise, if you achieve your initial target, consider setting a new goal to further bolster your financial security.

Conclusion

Building an emergency fund from scratch in Australia is a journey towards financial resilience. By setting a clear goal, creating a dedicated savings account, and employing strategies like budgeting, starting small, automating savings, and using windfalls wisely, you can establish a robust safety net. Remember, the key is consistency and commitment to your financial well-being, ensuring you're prepared for whatever life throws your way.

---

This comprehensive guide aims to empower Australians with actionable steps and strategies to start and grow their emergency funds. Building an emergency fund is a fundamental aspect of financial planning, providing a buffer that can help navigate through unexpected financial challenges with confidence and ease.

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In uncertain times, having an emergency fund is more than a financial buffer—it's peace of mind. For Australians looking to start their journey towards financial security, building an emergency fund from scratch is a foundational step. This guide outlines practical steps and strategies to establish an emergency savings account, ensuring you're prepared for life's unexpected turns.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(90) "/save-money/how-to-budget/crafting-your-safety-net-building-an-emergency-fund-in-australia" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1713481351/pexels-tima-miroshnichenko-6693656_ldjiyp.jpg" ["image_alt"]=> string(65) "Crafting your safety net: Building an emergency fund in Australia" } [1]=> object(stdClass)#8120 (57) { ["id"]=> int(18505) ["title"]=> string(47) "Expert tips to secure your financial safety net" ["alias"]=> string(47) "expert-tips-to-secure-your-financial-safety-net" ["introtext"]=> string(146) "

New Zealanders are known for their "she'll be right" attitude, but when it comes to handling unexpected bills, being prepared is crucial.

" ["fulltext"]=> string(2466) "

Financial experts recommend having a foolproof plan for building an emergency fund to provide a financial lifeline during unforeseen circumstances. By adopting a strategic approach, including budgeting hacks to high-interest accounts, individuals can start securing their financial future today.

Developing a savings plan is essential. The Kiwi Concerns Report highlighted that one in three New Zealanders have less than $1,000 saved, which often isn't sufficient for most financial emergencies. Experts suggest aiming for a fund that covers at least three to six months of living expenses. While this goal may appear ambitious, with a well-thought-out plan, it is achievable.

Cutting out unnecessary expenses can also play a significant role in building an emergency fund. Small lifestyle changes, such as reducing daily luxury expenses and evaluating regular subscriptions, can free up significant amounts of money. Tips include cooking more at home, downsizing phone plans, shopping around for insurance, and negotiating bills to lower costs.

Maximising cash windfalls and bonuses is another way to boost emergency savings quickly. It's tempting to spend unexpected financial gains on luxuries, but allocating a portion to an emergency fund can significantly enhance financial security. "Rapid boost," "wellbeing," and "peace of mind" are just some of the benefits mentioned for maximising windfalls for emergency funds. Strategies include prioritising savings, investing in low-risk options, reducing high-interest debt, and planning for future goals.

Choosing the right place to store the emergency fund is vital, with high-interest savings accounts offering numerous advantages, such as competitive interest rates and easy access when funds are needed. To maximise earnings, individuals should compare interest rates, consider any fees, and ensure their account offers convenient access to funds.

In summary, building an emergency fund requires time, dedication, and a proactive approach. Starting with realistic goals, making consistent contributions, and adjusting plans as necessary can lead to the creation of a robust financial safety net. With the right strategies, the common Kiwi saying "she'll be right" becomes a reality of being well-prepared for any financial surprises. Additionally, individuals are encouraged to consider life insurance policies to further protect their family's financial future.

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New Zealanders are known for their "she'll be right" attitude, but when it comes to handling unexpected bills, being prepared is crucial.

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Australians, alongside citizens of Sweden, South Korea, and Mexico, are increasingly choosing to use free Virtual Private Networks (VPNs), despite the potential threats to their privacy.

" ["fulltext"]=> string(3063) "

This trend persists even as the number of paid VPN users in Australia sees a significant rise. According to a recent survey conducted by NordVPN, while there has been a noticeable drop in the usage of free VPNs in most of the 20 surveyed countries, Australia is among the few nations where the use of such services has actually increased since the previous year.

Marijus Briedis, the Chief Technology Officer at NordVPN, highlighted the risks associated with free VPNs. "A free VPN is often a privacy illusion," he noted. Briedis explained that the cost of operating a vast network of servers is immense, necessitating that companies find ways to make their operations profitable. "One of the main ways free VPNs make money is by selling your personal data to brokers," Briedis revealed, adding that this data is then purchased by advertisers to refine their marketing campaigns, thus compromising users’ privacy and security.

The survey also shed light on changing reasons behind VPN usage, revealing a slow but steady shift towards prioritizing online privacy and data protection. The proportion of people using VPNs for privacy reasons increased from nearly 37% to 40% since 2022. However, concerns about device and account security have slightly diminished.

Interestingly, the survey suggested a generational divide in attitudes towards digital privacy and security. Younger Australians appeared to be less concerned about these issues when compared to older generations. "Digital privacy and security awareness comes with maturity," Briedis remarked, indicating that Australians aged between 25 and 44 show the highest concern for digital security and demonstrate the most prudent VPN usage habits.

Australia stands out for its high level of VPN awareness and usage among the surveyed countries. Approximately 68% of Australians are aware of what a VPN is, and 32% reported using one. This represents a significant increase from 2022, when only a quarter of respondents said they used a VPN. The typical Australian VPN user is male, aged between 25 and 44, employed, and financially comfortable.

In contrast, the global average for VPN awareness and usage across the 20 countries involved in the research in 2023 is slightly lower, with nearly 64% awareness and about 29% usage. The leading countries in terms of VPN usage include Hong Kong, Singapore, and Malaysia.

However, despite the overall decline in the use of free VPNs in the biggest markets, Australia, Sweden, South Korea, and Mexico saw increases in the percentage of people opting for these services. The trend in Australia saw the number of free VPN users grow from 33% to 35%.

The survey, aimed to gather insights into VPN awareness and usage, was conducted by an external agency on behalf of NordVPN between January and October 2023. It included responses from 54,625 participants across 20 countries, with quotas placed on age, gender, and place of residence to ensure nationally representative samples among internet users.

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Australians, alongside citizens of Sweden, South Korea, and Mexico, are increasingly choosing to use free Virtual Private Networks (VPNs), despite the potential threats to their privacy.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(95) "/save-money/expenses/australians-continue-to-opt-for-free-vpns-ignoring-potential-privacy-risks" ["image"]=> string(166) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708996608/Australians_continue_to_opt_for_free_VPNs_ignoring_potential_privacy_risks_hk3pmb.jpg" ["image_alt"]=> string(75) "Australians continue to opt for free VPNs, ignoring potential privacy risks" } [3]=> object(stdClass)#8118 (57) { ["id"]=> int(18486) ["title"]=> string(69) "Rooftop solar in childcare centres could cut energy bills by millions" ["alias"]=> string(69) "rooftop-solar-in-childcare-centres-could-cut-energy-bills-by-millions" ["introtext"]=> string(241) "

The analysis conducted by Parents for Climate has revealed that the installation of rooftop solar and batteries in early childhood education and care (ECEC) centres could lead to savings of up to $130 million a year on energy bills.

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This initiative aims to shield these centres from future energy price increases, thereby reducing the financial burden on services and families. In 2023, it was found that depending on their location, childcare centres experienced a 14.7 per cent to 28.9 per cent hike in energy bills compared to the previous year. This is notably during a period when families are already grappling with a documented cost of living crisis.

In the context of global figures, childcare in Australia is more expensive than in many other OECD countries. In 2022, an average Australian couple with two children devoted 16 per cent of their net household income to childcare, contrasting with the OECD average of 9 per cent.

Parents for Climate's chief executive officer, Nic Seton, pointed out the disparity in the transition towards renewable energy within the sector. "Our analysis shows that while a small number of centres are already installing solar and saving money, the vast majority lack the capacity to access clean energy upgrades," Seton said. He highlighted that many centres face obstacles such as a lack of time and expertise to explore their options, with upfront costs being a significant barrier.

This research suggests that early childhood centres could achieve annual savings in their energy bills ranging between $12,400 and $14,600 if both federal and state governments extend the support for rooftop solar and battery installations, currently available to state schools, to the ECEC sector. So far, programmes to install air conditioning powered by rooftop solar have been initiated in state schools in New South Wales and Queensland, but similar support specifically targeted at the ECEC sector has yet to be established.

Tim Buckley, founder and director of Climate Energy Finance, indicated the broader implications of such a project. "A full rollout of solar on schools and early childhood centres would be the largest renewables project in Australia’s history," Buckley said. He elaborated on the potential benefits, such as stabilising the grid at the distribution level, especially as battery systems become more economically viable.

Seton also touched on the additional advantages of more affordable clean energy solutions, particularly for young children who are highly susceptible to heat-related illnesses. "We also know that more affordable clean energy solutions like rooftop solar would increase access to air conditioning and a safer environment for babies and young children," he stated.

Furthermore, Parents for Climate discussed how enhancing support for rooftop solar installations could tackle social inequality by alleviating operational costs in regions with lower socio-economic status. The organisation also identified other benefits of government support for rooftop solar and batteries in the ECEC sector and schools, including the creation of over 6,000 renewable energy jobs across Australia, a reduction of 1.35 million tonnes in carbon emissions annually, and contributions towards the Australian Government’s objective of sourcing 82 per cent of the country's power from renewable energy.

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The analysis conducted by Parents for Climate has revealed that the installation of rooftop solar and batteries in early childhood education and care (ECEC) centres could lead to savings of up to $130 million a year on energy bills.

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Flight Centre Travel Group's Corporate Traveller, a premier service provider for managing SME travel, has shared several effective strategies that enabled their business clients to significantly reduce their corporate travel expenses by more than 30% throughout 2023.

" ["fulltext"]=> string(2400) "

The disclosure is timely as a recent survey found that 91% of SMEs plan to continue their travel activities notwithstanding economic uncertainties this year. Tom Walley, the Global Managing Director of Corporate Traveller in Australia, indicated that implementing these strategies could result in considerable savings for companies.

Walley explained, "By booking airfares a month ahead of the travel date, a company can save up to $200 on a single one-way domestic ticket." This insight is particularly valuable given the 28.7% increase in 'revenue passenger kilometres' to 67.6 billion witnessed last year within Australia, signaling a growing trend in travel expenditures.

One notable strategy involves early flight bookings, debunking the common belief in the benefits of last-minute deals. Walley shared a success story, "Last year, one of our clients aimed to improve their annual advance purchase by 20 per cent, shifting 33 per cent of their bookings from within two weeks to at least four weeks in advance. This adjustment led to an average trip cost reduction of $137 per booking, accumulating total savings of $120,000 across 800 bookings."

Additionally, Walley highlighted the value of joining travel programs, such as Corporate Traveller’s SmartStay, which offers exclusive deals on hotels, including perks like free breakfast, late checkout, and room upgrades.

Another important recommendation is choosing flights with favorable terms for changes, credits, or cancellations, which could offer significant financial benefits when plans change. "It's vital to examine the terms and conditions of a fare carefully. Some may seem to allow flight credits in the event of cancellation, but with restrictions that could end up costing more," said Walley.

Further advice includes encouraging employees to travel with only carry-on luggage for short trips to save costs, utilizing 'last room availability' options for hotel bookings to secure contracted rates, and packaging flight, hotel, and transfer bookings to save time and money.

Importantly, selecting hotels near the Central Business District (CBD) to minimize transport costs is suggested. With Australians expected to spend a record $1.77 billion USD on ride-hailing apps this year, choosing centrally located hotels can lead to significant annual savings, according to Walley.

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Flight Centre Travel Group's Corporate Traveller, a premier service provider for managing SME travel, has shared several effective strategies that enabled their business clients to significantly reduce their corporate travel expenses by more than 30% throughout 2023.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(94) "/save-money/expenses/corporate-traveller-identifies-key-strategies-for-business-travel-savings" ["image"]=> string(165) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1708042027/Corporate_Traveller_identifies_key_strategies_for_business_travel_savings_bbm3wd.jpg" ["image_alt"]=> string(73) "Corporate Traveller identifies key strategies for business travel savings" } [5]=> object(stdClass)#8116 (57) { ["id"]=> int(18410) ["title"]=> string(54) "Maximising your savings account: What you need to know" ["alias"]=> string(53) "maximising-your-savings-account-what-you-need-to-know" ["introtext"]=> string(170) "

Saving money is a fundamental aspect of financial security and wellbeing.

" ["fulltext"]=> string(5580) "

A savings account, although often overlooked in pursuing more lucrative investments, plays a crucial role in a well-rounded financial strategy.

Understanding how to maximise the benefits of your savings account can lead to increased financial stability and growth. This article delves into effective strategies for maximising your savings account.

Maximising your savings account: What you need to know

Understanding interest rates

The interest rate is the most critical factor in a savings account. It determines how much money you earn on your deposited funds.

Savings accounts typically offer lower interest rates compared to other investment vehicles, but they provide a safe and liquid option for your funds.

High-interest savings accounts offer higher interest rates than standard savings accounts, making them a preferable option for storing funds you don’t need immediate access to.

Automate your savings

Automating your savings is an effective way to ensure you consistently save a portion of your income.

By setting up automatic transfers from your checking to your savings account, you can build your savings without having to think about it. Consider allocating a portion of your direct deposit straight into your savings account.

Review fees and terms

Banks may charge various fees on savings accounts, such as monthly maintenance fees or fees for falling below a minimum balance.

It’s essential to be aware of these fees and choose an account that minimises them. Opt for savings accounts that offer no monthly fees to maximise the funds you keep.

Utilise round-up services

Link a round-up service to your debit card to effortlessly save as you spend. Round-up services automatically round up your transactions to the nearest dollar and deposit the difference into your savings account. This tool allows you to save small amounts of money consistently, which can add up over time.

Set savings goals

Setting specific, measurable savings goals can motivate you to save more. Whether it’s for an emergency fund, a vacation, or a large purchase, having a clear goal can help you stay focused and disciplined in your savings efforts. Regularly monitoring your progress towards your savings goals can provide motivation and satisfaction.

Laddering your deposits

Deposit laddering involves opening multiple savings accounts with varying maturity dates. This strategy can maximise the interest you earn, especially in a rising interest rate environment. Spread your savings across different accounts with staggered maturity dates to benefit from higher interest rates over time.

Regularly review your savings strategy

It’s important to regularly review your savings strategy to ensure it aligns with your current financial situation and goals. As interest rates and your personal financial situation change, so should your approach to saving. Be ready to adjust your savings strategy in response to personal life changes or shifts in the economy.

—

Maximising your savings account requires a strategic approach. By understanding interest rates, automating savings, avoiding fees, utilising round-up services, setting goals, laddering deposits, and regularly reviewing your strategy, you can significantly enhance the growth of your savings. Remember, a robust savings account is a cornerstone of a secure financial future.

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Saving money is a fundamental aspect of financial security and wellbeing.

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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)#8915 (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)#8701 (3) { ["data":protected]=> object(stdClass)#8724 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8674 (3) { ["data":protected]=> object(stdClass)#8679 (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) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article 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(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#8913 (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)#8680 (3) { ["data":protected]=> object(stdClass)#8715 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8690 (3) { ["data":protected]=> object(stdClass)#8731 (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)#8876 (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)#8704 (3) { ["data":protected]=> object(stdClass)#8729 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8617 (3) { ["data":protected]=> object(stdClass)#8708 (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)#8922 (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)#8730 (3) { ["data":protected]=> object(stdClass)#8712 (1) { ["options"]=> object(stdClass)#8687 (2) { ["options0"]=> object(stdClass)#8703 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8714 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8728 (3) { ["data":protected]=> object(stdClass)#8691 (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)#8852 (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)#8702 (3) { ["data":protected]=> object(stdClass)#8749 (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)#8713 (3) { ["data":protected]=> object(stdClass)#8751 (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)#8921 (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)#8748 (3) { ["data":protected]=> object(stdClass)#8753 (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)#8750 (3) { ["data":protected]=> object(stdClass)#8755 (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(81) "/save-money/savings-account/maximising-your-savings-account-what-you-need-to-know" ["image"]=> string(145) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701140526/Maximising_your_savings_account_What_you_need_to_know_fkrom4.png" ["image_alt"]=> string(54) "Maximising your savings account: What you need to know" } }