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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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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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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" } [3]=> object(stdClass)#8106 (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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Build a secure financial future." 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Saving money is a fundamental aspect of financial security and wellbeing.

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Saving money is more than just a practical financial strategy; it’s a mindset that requires discipline and a reorientation of one’s approach to spending and savings.

" ["fulltext"]=> string(5886) "

This article explores how to train your brain to become more effective at saving by understanding the psychology behind it and implementing practical strategies to cut expenses.

Understanding the psychology of saving

The work of Richard Thaler, a Nobel Prize-winning behavioural economist, underscores the importance of understanding the psychological aspects of saving and spending.

His research in nudge economics highlights how simple behavioural changes can lead to better financial habits. Thaler’s work shows that our natural inclinations, such as succumbing to short-term temptations, can undermine our long-term saving goals.

Thaler’s concept of mental accounting reveals how people tend to compartmentalise financial decisions, often focusing on the immediate effects rather than the overall impact.

For instance, if the price of an item drops, the savings are often spent on upgrading to a more expensive version of the same item, rather than being saved. This highlights the need for a holistic view of our finances.

Practical strategies to train your brain for saving

1. Shop with discounted gift cards

Utilise online platforms that offer discounted gift cards for various retailers. This can lead to direct savings on purchases.

2. Avoid credit card debt

Be cautious with credit card usage, especially if you cannot pay the full amount when due. Credit card debt can quickly accumulate due to high interest rates and can significantly impact your ability to save.

3. Research loan terms

Before accepting any loan or financing offers, it’s important to research and find the most favourable terms. This ensures that your debts don’t overpower your savings efforts.

4. Create a debt repayment plan

If you have accumulated debt, devise a repayment plan. This may involve using budgeting tools or seeking professional help to create a manageable payoff strategy.

5. Make lifestyle adjustments

Small changes in daily habits, like energy-efficient home improvements or doing your laundry instead of using dry cleaners, can lead to significant savings over time.

6. Reconsider transportation costs

Evaluate your transportation needs. Opt for alternatives like biking to work, which can save on petrol, maintenance, and insurance costs.

7. Plan your meals

Reduce dining out by planning meals and preparing lunch for work. This not only saves money but also encourages healthier eating habits.

8. Review entertainment expenses

Evaluate your subscriptions and memberships. Keep only those that you frequently use and consider downgrading or eliminating others.

9. Understand income impact

Be aware of how income increases can lead to proportional increases in spending. As your income grows, focus on saving rather than increasing your expenditure.

—

The psychology of saving is complex, intertwining our behavioural tendencies with financial decision making. By understanding the psychological barriers and implementing practical saving strategies, you can train your brain to be more savings-oriented.

This shift in mindset, coupled with actionable steps, can substantially improve your financial health and savings over time.

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Saving money is more than just a practical financial strategy; it’s a mindset that requires discipline and a reorientation of one’s approach to spending and savings.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(90) "/save-money/how-to-budget/the-psychology-of-saving-how-to-train-your-brain-to-cut-expenses" ["image"]=> string(156) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701140526/The_psychology_of_saving_How_to_train_your_brain_to_cut_expenses_v8ttbe.png" ["image_alt"]=> string(65) "The psychology of saving: How to train your brain to cut expenses" } [5]=> object(stdClass)#8104 (57) { ["id"]=> int(18409) ["title"]=> string(56) "Mastering debt consolidation: Essential tips for success" ["alias"]=> string(55) "mastering-debt-consolidation-essential-tips-for-success" ["introtext"]=> string(221) "

Debt consolidation is a strategic approach to managing multiple debts by combining them into a single, more manageable loan.

" ["fulltext"]=> string(5771) "

This method can simplify your payments, potentially lower interest rates, and help you pay off debt faster. However, it requires careful planning and understanding. Here are essential tips for effective debt consolidation.

Essential tips for effective debt consolidation

Assess your financial situation

Start by thoroughly assessing your current financial situation. List all your debts, including credit card balances, personal loans, and other liabilities.

Note the interest rates and monthly payments for each. This overview will help you understand the total debt you’re dealing with and identify the high-interest debts that should be prioritised in consolidation.

Understand different debt consolidation options

Debt consolidation can be achieved through various methods, including personal loans, balance transfer credit cards, and home equity loans. Each option comes with its pros and cons:

• Personal loans: These can be used to pay off multiple debts, leaving you with one monthly payment. They often have lower interest rates than credit cards but may require good credit to qualify.
• Balance transfer credit cards: These cards offer low or zero interest rates for an introductory period, making them suitable for consolidating credit card debt. Be aware of the transfer fees and the standard interest rate after the introductory period ends.
• Home equity loans: If you own a home, you can borrow against the equity to pay off debts. These loans usually have lower interest rates but come with the risk of losing your home if you default.

Check for prepayment penalties

Before consolidating, check if your current debts have prepayment penalties. Paying off loans early can sometimes trigger these fees, which would add to your costs and could negate the benefits of consolidation.

Create a repayment plan

Consolidation alone won’t solve debt problems; a solid repayment plan is crucial. Determine how much you can realistically pay each month towards your consolidated debt. Stick to this plan to pay off the debt within the loan term, avoiding extending the debt unnecessarily.

Avoid accumulating new debt

While paying off your consolidated debt, it’s crucial to avoid taking on new debts. Keep credit card usage to a minimum and avoid additional loans. This discipline is essential for successfully getting out of debt.

Consider financial counselling

If you’re overwhelmed, consider seeking advice from a financial counsellor. They can provide personalised advice and help you understand the implications of different consolidation options.

Monitor your credit score

Debt consolidation can impact your credit score in various ways. Monitor your credit score to understand these impacts and manage your credit health during and after the consolidation process.

Read the fine print

Before agreeing to any consolidation loan, read the terms and conditions carefully. Understand the interest rates, fees, loan terms, and any potential penalties.

---

Effective debt consolidation requires careful consideration and disciplined financial management. By understanding your options, creating a realistic repayment plan, and avoiding new debt, you can successfully manage and reduce your debt load.

Remember, consolidation is a tool to help you manage debt more effectively, not a means to incur more debt.

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• Yes

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Debt consolidation is a strategic approach to managing multiple debts by combining them into a single, more manageable loan.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#8905 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8731 (3) { ["data":protected]=> object(stdClass)#8676 (1) { ["options"]=> object(stdClass)#8698 (2) { ["options0"]=> object(stdClass)#8720 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8675 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8732 (3) { ["data":protected]=> object(stdClass)#8677 (6) { ["hint"]=> string(0) 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string(0) "" } [4]=> object(stdClass)#8907 (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)#8847 (3) { ["data":protected]=> object(stdClass)#8773 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8856 (3) { ["data":protected]=> object(stdClass)#8866 (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) "" 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["data":protected]=> object(stdClass)#8890 (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(86) "/save-money/debt-consolidation/mastering-debt-consolidation-essential-tips-for-success" ["image"]=> string(147) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701140526/Mastering_debt_consolidation_Essential_tips_for_success_ivczgg.png" ["image_alt"]=> string(56) "Mastering debt consolidation: Essential tips for success" } }