Keeping track of their loan repayment schedule to stay ahead with payments and manage finances effectively.

Managing my finances

How to stay ahead with your loan repayments

Discover practical tips on how to stay ahead with your loan repayments. Learn strategies to manage payments effectively and reduce financial stress.

5 minute read
Understanding the different types of interest and how it can impact help you make better financial decisions

Managing my finances

Understanding interest and how it works

Learn how interest works, its impact on loans and savings, and how understanding it can help you make smart financial decisions and manage your money better.

6 minute read
Close up of light switch in off position as September 2024 Beforepay Cost of Living shows increase in utilities spending.

Cost of Living Index

September 2024 Beforepay Cost of Living Index

Australians increased their daily average spending by 1.5% in September 2024, driven by higher expenditures on entertainment and utilities.

5 minute read
Travelling on holiday with a tour

Budgeting and saving

Is it cheaper to travel independently or join a tour?

Understand the differences between travelling alone or joining a tour, when planning their holiday. Discover which option is better for your needs and preferences.

4 minute read
A man planning his holiday around his holiday budget, taking into consideration the cost of accomodation, transport and food.

Managing my finances

Budgeting and saving

Your guide to planning a holiday on a budget

Learn how to plan your holiday based on the budget you’ve set aside. Understand where you can save and explore strategies to find better deals. Discover tips on saving money on necessities so you can enjoy your holiday without worrying about your budget.

7 minute read
Close up of hand pushing a shopping trolley in the grocery store.

Cost of Living Index

August 2024 Beforepay Cost of Living Index

Beforepay Cost of Living Index shows 7.3% drop in average daily spend for August, down to $65.74 from $70.55 in July following mid-year sales.

5 minute read
A detailed image of a financial savings plan being created, including setting goals, assessing financial situation, and dividing income into categories like needs, wants, and savings.

Managing my finances

Budgeting and saving

How to create a savings plan that works for you

Learn how to create a savings plan that works for you by setting clear financial goals, assessing your current situation, and managing your income. Discover a solid strategy that will guide you towards financial stability and help you achieve your goals.

6 minute read
Person holding shopping bags as mid-year sales and school holidays drive Aussie spending up 12.1% in July

Cost of Living Index

July 2024 Beforepay Cost of Living Index

Household spending surged 12.1% in July to $70.55, up from $62.91 in June, according to new figures from the Beforepay Cost of Living Index.

5 minute read
Basket full of meal prep ingredients for article on What are some budget-friendly meal prep ideas

Managing my finances

What are some budget-friendly meal prep ideas?

Take a look at some budget-friendly meal prep ideas that could help you save on time and money.

6 minute read
Paper cut-out of family standing in front of house and car for article on how major purchases could impact your tax return

Tax time tips

How major purchases could impact your tax return

Take a look at examples of some major purchases and the different ways they might impact the things you consider when lodging your tax return.

5 minute read
A couple preparing to lodge their tax return

Tax time tips

How to avoid penalties when doing your tax return

Feel confident when lodging your tax return with these tips to stay on track and avoid penalties.

5 minute read
Laptops on a bench in a store as the June 2024 Beforepay Cost of Living Index sees durable goods drive a 3.7% increase in daily average spend during the end of financial year

Cost of Living Index

June 2024 Beforepay Cost of Living Index

Beforepay Cost of Living Index reveals daily average spending jumps 3.7% as Australians splurge on durable goods during the end of financial year.

5 minute read
Jars of savings with labels housing, savings and medical

Managing my finances

Budgeting and saving

How to save money: 36 tips you could try to build your savings

Learn 36 practical ways for how to save money to help you boost your savings. From tracking expenses to negotiating bills, this article covers it all!

11 minute read
A person pressing a light switch as utilities costs increases in Beforepay Cost of Living Index for May 2024

Cost of Living Index

May 2024 Beforepay Cost of Living Index

Consumer spending shows a significant decrease of 4.09% month-on-month in May 2024 from an average of $63.28 to $60.69 per day, according to the Beforepay Cost of Living Index.

5 minute read

Managing my finances

Why should I care about the federal budget?

How does the federal budget really impact our daily lives? Read on to find out and for tips for how to navigate any changes.

6 minute read
A person paying with her phone in a cafe as the Beforepay Cost of Living Index for April 20242 shows a 5% month-on-month increase in daily averages spending

Cost of Living Index

April 2024 Beforepay Cost of Living Index

Consumer spending rebounds as the daily average spend jumps 5% month-on-month to $63.28 in April 2024, according to the Beforepay Cost of Living Index.

5 minute read
Beforepay released the March 2024 Cost of Living Index today,  reveals consumer spending decreased by 0.82% month-on-month in March. The new data shows daily average spending dropped to $60.28 in March, down from $60.78 in February.

Cost of Living Index

March 2024 Beforepay Cost of Living Index

Beforepay released the March 2024 Cost of Living Index today, reveals consumer spending decreased by 0.82% month-on-month in March.

5 minute read
Woman smiling holding her phone to apply for a pay advance

Managing my finances

6 common myths about pay advances

Pay advances can serve as a reliable safety net when you find yourself facing unexpected expenses. Debunk these common myths about pay advances!

7 minute read
A hat and clothes in a suitcase for a cheap holiday

Budgeting and saving

8 ways to keep your holidays cheap and budget-friendly

Explore 8 easy ways to keep your holiday budget-friendly! From smart spending to local eats, enjoy your vacation without the financial stress.

5 minute read
The Beforepay Beat newsletter logo

Budgeting and saving

Ways to boost your financial independence

March 2024 Beforepay Beat highlights: Learn about debunking common homeownership myths and steps to help you increase your salary.

6 minute read
Two people moving into their first home together

Managing my finances

6 common myths about buying your first home

Ready to buy your first home? Don't fall for these common myths! Discover the reality about being a homeowner with our tips and insights.

9 minute read
A couple discussing personal loans

Managing my finances

Resources

Personal loan tips for first time borrowers

Navigate personal loans confidently with our guide for first-time borrowers. Explore tips on determining loan amounts, and finding the right option.

8 minute read
A mother feeding her child while working from home after maternity leave.

Managing my finances

Resources

Tips to ease your return to work after maternity leave

Get ready to return to work after maternity leave with our organised guide, including checklists for 30 days and 1 week before your return.

8 minute read

Cost of Living Index

February 2024 Beforepay Cost of Living Index

February sees 4.6% uplift in spending with a twist in Valentine's day habit, according to the February 2024 Beforepay Cost of Living.

5 minute read
A couple sitting down talking about money together

Managing my finances

How to talk about money with your partner

Learn how to talk about money in a relationship. Navigate financial discussions with tips for open communication and building a strong partnership.

5 minute read
The Beforepay Beat newsletter logo

Budgeting and saving

Self-care and Valentine's Day on a budget

February 2024 Beforepay Beat highlights: Learn how to spot a romance scammer and self-care and financial independence on a budget.

6 minute read
A man helping a woman with her computer skill training

Managing my finances

How to increase your salary with career development and skill training

Boost income with career development and skill training! Get tips on setting goals, finding mentors, overcoming challenges, and enhancing job skills.

8 minute read
Two people looking at a tablet organising their joint bank account together

Managing my finances

Resources

Should I open a joint bank account? Explore the pros and cons

Discover the pros and cons of joint bank accounts vs. separate finances. Find balance in managing money as a couple with our helpful insights.

4 minute read
A man and a woman on an affordable Valentine's Day Date at the park

Budgeting and saving

Affordable Valentine's Day ideas under $50

Discover budget-friendly ways to spend Valentine's Day with these affordable ideas! From picnics to stargazing, celebrate love without breaking the bank.

17 minute read
Close up of person putting credit card into wallet

Cost of Living Index

January 2024 Beforepay Cost of Living Index

Australians tighten their belts after the holidays with 10.2% spending decline in January, according to the January 2024 Beforepay Cost of Living Index.

5 minute read

Budgeting and saving

Kickstart your 2024 with financial resolutions

January 2024 Beforepay Beat highlights: Learn budgeting hacks for back to school and cheap holiday hacks to keep your wallet happy.

7 minute read
Person saving money using a piggy bank

Managing my finances

Budgeting and saving

How to save money on a low income

Discover budgeting tips for saving on a low income in Australia. Learn to manage spending, access government assistance, and build financial resilience.

6 minute read
Back to school image with tables and chairs with stationery

Budgeting and saving

How to budget for back to school costs

Budget wisely for back to school costs with these tips, from early planning to discounts and finding smart ways to save on essentials.

10 minute read
Cheap beach holiday destinations in Australia

Managing my finances

Budgeting and saving

Cheap holidays in Australia

Discover wallet-friendly Australian getaways! Our list offers budget-friendly holiday options for your next memorable escape.

17 minute read
Person with tablet and gifts on table holding a credit card

Cost of Living Index

December 2023 Beforepay Cost of Living Index

Australians spent $66 on Christmas 2023, fuelled by lower petrol prices, according to the December 2023 Beforepay Cost of Living Index.

5 minute read
A woman baking as a side hustle

Managing my finances

Side hustle jobs in Australia

Explore profitable side gigs in Australia! Find freelance jobs, part-time opportunities, and flexible work for extra income. Start your side hustle today.

11 minute read
A man and woman staring at laptop planning their financial resolutions together

Budgeting and saving

Financial Resolutions A-Z

Dive into our A-Z financial resolutions for easy steps toward confidence and control, from emergency savings to meal prepping.

12 minute read
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Budgeting and saving

5 Ways to help you stick to your budget

November 2023 Beforepay Beat highlights: Learn about a quick hacks to help you stick to your Christmas budget and Ideas for making some extra cash over the holidays.

9 minute read
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Cost of Living Index

November 2023 Beforepay Cost of Living Index

Daily spending increased by 2.8% in November 2023 according to the Beforepay Cost of Living Index.

5 minute read
Family celebrating a budget friendly Christmas at home

Budgeting and saving

How to manage your budget and spending over Christmas

Stick to your 2023 Christmas budget and manage your end of year spending with these smart money tips.

10 minute read

Cost of Living Index

October 2023 Beforepay Cost of Living Index

Consumer spending declines 1.01% in October 2023 accroding to the Beforepay Cost of Living Index.

5 minute read
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4 ways to protect your finances

October 2023 Beforepay Beat highlights: Learn how to keep yourself safe online and why green cars have the cheapest car insurance.

7 minute read
two women sitting down next to each other smiling

Managing my finances

Understanding different types of insurance

Explore situations where insurance is useful, the range of claims you can make, and the potential savings it can bring to your financial security.

10 minute read
drawings of car, house and family

Managing my finances

6 steps to help you choose the right insurance

Choosing the right insurance can feel overwhelming. Here are 6 steps to help you understand what insurance is, types of coverages and key terms.

13 minute read
Person paying with credit card on EFTPOS machine

Cost of Living Index

September 2023 Beforepay Cost of Living Index

Daily average spending down 1.3% in September 2023 as petrol prices rise, according to the Beforepay Cost of Living Index.

5 minute read
Man filling up car at petrol station

Budgeting and saving

Popular

7 apps to help you find cheap petrol

Looking for cheap petrol near you? Here are 7 apps that could help you save the next time you plan to fill up.

7 minute read
The Beforepay Beat newsletter logo

Things you need to know about cybersecurity

September 2023 Beforepay Beat highlights: Common signs something might be a scam and tips for staying safe when shopping online.

7 minute read
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Managing my finances

Keeping your information safe online: A Q&A with Beforepay CTO Rajini Carpenter

We sat down with Beforepay’s Chief Technology Officer, Rajini Carpenter, to break down what cybersecurity is and tips for keeping your information safe!

11 minute read
Close up of a fuel pump filing car with petrol.

Cost of Living Index

August 2023 Beforepay Cost of Living Index

Daily average spending declines 4.9% in August 2023, according to the Beforepay Cost of Living Index.

5 minute read
A woman typing on her laptop

Resources

Cybersecurity terms A-Z

From anti-virus protection to zero-day exploits, learn key cybersecurity terms to protect yourself from online scams and threats when using the internet.

11 minute read
The Beforepay Beat newsletter logo

Ways you could make extra money without quitting your job

August 2023 Beforepay Beat highlights: Simple and stress-free ways to make extra cash, and things you could rent out to make some extra money.

7 minute read
A girl with a thumbs up sign with a logo of Beforepay and Finder Award.

Budgeting and saving

Beforepay highly commended in Finder Awards 2023

Beforepay has been highly commended in the Finder Customer Satisfaction Awards 2023, rated by real customers with real experiences.

5 minute read
A girl smiling holding her phone, a laptop and boxes on her desk.

Managing my finances

Ways to earn extra money that work with your schedule

Explore simple and creative ways you could make extra money, from growing your savings to starting a side hustle.

14 minute read
Close up of phone held near EFTPOS machine to process payment

Cost of Living Index

July 2023 Beforepay Cost of Living Index

Daily spending rose by 10.6% from $58.88 in June 2023 to $65.13 in July 2023, according to the Beforepay Cost of Living Index.

5 minute read
The Beforepay Beat newsletter logo

Tips for navigating job loss and changes

July 2023 Beforepay Beat highlights: Chance to win $500 with Beforepay, and tips to help you navigate job loss.

7 minute read
A man holding a box with his things

Managing my finances

4 Tips to help you navigate job loss

Explore strategies, resources and support to overcome the challenges of job loss and navigate career transitions effectively.

11 minute read
Paying with a card

Cost of Living Index

June 2023 Beforepay Cost of Living Index

Daily spending rose by 6.1% from $55.49 in May 2023 to $58.88 in June 2023, according to the Beforepay Cost of Living Index.

5 minute read
The Beforepay Beat newsletter logo

Getting the most out of tax time

June 2023 Beforepay Beat highlights: Unlock early access to your tax refund, and tips to get the most out of your tax return.

7 minute read
The Beforepay Beat newsletter logo

Prepare for the unexpected with an emergency fund

May 2023 Beforepay Beat highlights: The importance of an emergency fund, cost of living in April, and how to send more money overseas with Beforepay and Western Union.

7 minute read
Two women sitting by a window

Resources

Financial Support and Resources

See what support services and resources are available to help you manage your money and financial well-being.

4 minute read
Woman holding a pen smiling as she learns how to maximise her tax return

Tax time tips

How to maximise your tax return

Learn how you could maximise your tax return with these 7 things you can do when you lodge your tax return this year.

8 minute read
Three people smiling about being able to get a tax refund loan advance in Australia

Tax time tips

How to access your tax refund in advance with Beforepay and H&R Block

Why wait weeks for your tax refund? Get your tax refund sooner with a Tax Refund Advance through Beforepay and H&R Block Australia.

9 minute read
Vegetables at the checkout in a grocery store

Cost of Living Index

May 2023 Beforepay Cost of Living Index

Spending fell in May 2023, with the average daily spending for Australians down 5.7% from $58.84 to $55.49, according to the Beforepay Cost of Living Index.

5 minute read
Man with a calculator preparing to lodge his tax return

Tax time tips

How to start preparing to lodge your tax return

Get a head start on your taxes with our guide on preparing for your lodge tax return. This article provides tips to make the process easier.

6 minute read
Trolley with shopping bag

Cost of Living Index

April 2023 Beforepay Cost of Living Index

April saw a 2.9% month-on-month increase in the daily cost of living, up to $58.84 from $57.17 in March, according to the Beforepay Cost of Living Index.

5 minute read
Putting coin in a jar beside a miniature house

Managing my finances

Budgeting and saving

Why you should think about saving money for an emergency fund

Learn why having an emergency fund is crucial and how it can benefit you. Find out tips and strategies to start saving for unexpected events.

6 minute read
Couple looking at phone.

Managing my finances

How do I choose an international money transfer service?

How to send money overseas and find the best international money transfer service, with tips from Western Union.

7 minute read
The Beforepay Beat newsletter logo

Start taking charge of your living expenses

April 2023 Beforepay Beat highlights: Grocery items costing more and how you could save, cost of living drops in March, and tips for managing rising rent.

7 minute read
Shopping basket with grocery items in a supermarket aisle.

Cost of Living Index

March 2023 Beforepay Cost of Living Index

March saw a 1.8% month-on-month decrease in the daily cost of living, down to $57.17 from $58.23 in February, according to the Beforepay Cost of Living Index.

5 minute read
Hand holding a phone with an online grocery on the screen.

Budgeting and saving

Why your grocery bill is costing more

Why grocery shopping has become expensive amid the rising cost of living, and things you can do to save money on your groceries.

6 minute read
Small model of a house with 6 stacks of gold coins in a row to the left.

Managing my finances

8 ways to ease the stress of rising rent prices

Are you feeling the pressure of the rental crisis and rising rent in Australia? Learn 8 practical ways to save money and ease the cost of living stress.

11 minute read
The Beforepay Beat newsletter logo

Get to financial independence with these tips

March 2023 highlights from The Beforepay Beat: How to feel confident about your finances, tips to keep your debt under control, and utilities prices driving up the average daily cost of living.

7 minute read
Man and woman sitting in front of a laptop.

Managing my finances

6 ways you can manage your debt

These 6 simple practices could help you make informed decisions about your financial future and provide ways to get better at managing your debt.

6 minute read
Person holding a mobile phone and a bill

Cost of Living Index

February 2023 Beforepay Cost of Living Index

February saw a 2.5% month-on-month increase in the daily cost of living, up to $58.23 from $56.83 in January, according to the Beforepay Cost of Living Index.

5 minute read

Salary boosting strategies & popular ways to spend on Valentine’s Day

Highlights from the February 2023 edition of The Beforepay Beat newsletter: Tips to boost your salary, in-demand skills and a snapshot of spending on Valentine's Day!

14 minute read
Apartment building

Cost of Living Index

January 2023 Beforepay Cost of Living Index

The average daily cost of living has fallen by 8% month-on-month from $62.02 in December 2022 to $56.83 in January 2023, a 1.6% increase year on year.

5 minute read
Young man wearing glasses sitting in front of a computer while studying.

Managing my finances

8 questions to ask yourself about HELP loans

Learn how you can access financial support for education, including what you need to know about HELP loans, as well as alternative study loan options.

13 minute read
Young female professional in front of glass meeting room doors in the office.

Managing my finances

4 steps that could help increase your salary

Find out how you might be able to increase your salary, from asking for a pay rise and navigating salary negotiations to upskilling to boost your earning potential.

11 minute read
Get financially fit with a 7 Day Savings Challenge

Managing my finances

Get financially fit with our 7 day savings challenge

Take on our 7 Day Savings Challenge to boost your savings and start positive money management habits that you can take into the year ahead!

8 minute read
Shopping centre in Australia during the Christmas holidays

Cost of Living Index

December 2022 Beforepay Cost of Living Index

Australians saw a surge in spending on Boxing Day, with the average person spending $448.38. In December 2022, the daily cost of living for the average Australian increased by just 2.5% to $62.02.

5 minute read
Adjusting air conditioner temperature could help with savings on your electricity bill.

Budgeting and saving

How to save on your electricity bill in summer

Rising energy prices could mean higher electricity bills. See how much Aussies spend on their electricity bills and how you could save money on yours.

11 minute read

*NEW* Compare and Save with Beforepay

Highlights from the November/December 2022 edition of The Beforepay Beat newsletter: Introducing Beforepay's new Compare and Save platform + a chance to win $500 with our Christmas Giveaway.

11 minute read
New data shows the daily cost of living for the average Australian in November 2022 increased by only 1% over the month to $60.48.

Cost of Living Index

November 2022 Beforepay Cost of Living Index

New data shows the daily cost of living for the average Australian in November 2022 increased by only 1% over the month to $60.48. This represents an increase from $59.78 in October 2022 and from $60.23 in November 2021.

5 minute read
A lady holding shopping bags

Budgeting and saving

Ideas for doing Christmas and New Year on a budget

Thinking about how to keep your finances in check over Christmas and New Year? Stick to your budget and save with these money tips!

11 minute read

Aussies are spending 9.2% more on utility bills💡 Bank fees to avoid paying 🏦 The accidental invention of the piggy bank 🐷

Highlights from the October/November edition of The Beforepay Beat newsletter: 9.2% increase in utility bills leads jump in daily spending for October 2022, bank fees costing Australia billions (and how to avoid paying them!), and the history of the piggy bank!

12 minute read
Daily spending for the average Australian increased to $61.41 in October 2022, up 4.4% from $58.81 in September 2022, according to the Beforepay Cost of Living Index.

Cost of Living Index

October 2022 Beforepay Cost of Living Index

Rising utility prices and grocery bills are consuming Australian wages as new Beforepay data shows the daily cost of living increased 1.6% to $59.78 in October 2022 from $58.81 in September.

5 minute read
Stack of credit cards on a laptop

Popular

What are bank fees and why should you care?

Bank fees are costing Australians billions of dollars ever year. Here are some common bank fees to be aware of and ways to avoid paying them and save.

3 minute read

Budgeting and saving

5 Steps to manage your financial wellbeing

Try these 5 steps for managing your financial wellbeing to build resilience and gain confidence and control when it comes to your money.

11 minute read

Daily spending drops to $58.81 in September 💡 Win with our Halloween Contest! 🎃

Australia's daily spending drops 29% in September but is up 1.6% annually. Money insights, tips and more in the latest edition of The Beforepay Beat.

10 minute read
Daily spending for the average Australian dropped 29% in September 2022 to $58.81, from $83.27 in August, according to the Beforepay Cost of Living Index.

Cost of Living Index

September 2022 Beforepay Cost of Living Index

Daily spending for the average Australian dropped 29% in September 2022 to $58.81, from $83.27 in August, according to the Beforepay Cost of Living Index.

6 minute read
Save money and free up your budget by reviewing your subscriptions.

Managing my finances

Budgeting and saving

4 Reasons to spring clean your subscriptions and how to do it

If you’re looking for ways to save money amid inflation and rising costs, reviewing your subscriptions might be a good place to start.

9 minute read

Daily spending jumps 25% in August

The rising cost of living sees daily spending jump 25% to $83.27 in August 2022. Money insights, tips and more in the latest edition of The Beforepay Beat.

9 minute read
Petrol and auto spending fluctuates as the cost of living in Australia changes.

Cost of Living Index

August 2022 Beforepay Cost of Living Index

The daily cost of living for the average Australian jumped 18.2% in July, to $66.46 per day. The figure is drawn from the Beforepay Cost of Living Index.

5 minute read
Woman holding a credit card next to her phone

Popular

Why Australians are swapping out their credit cards

A comparison of Pay On Demand™ and credit cards reveals why more people are choosing Pay On Demand™ as the ethical, customer-friendly way to access cash.

11 minute read

Cost of Living Index

July 2022 - Beforepay Cost of Living Index

The daily cost of living for the average Australian jumped 18.2% in July, to $66.46 per day. The figure is drawn from the Beforepay Cost of Living Index.

5 minute read

Introducing The Beforepay Beat

Introducing The Beforepay Beat - our new newsletter and your source for the latest tips and updates to help you stay on track and in control of your finances!

5 minute read
Man wearing a hard hat is smiling while standing in front of heavy machinery.

Tax time tips

6 clever ways to use your tax refund

Make your tax refund go further with these smart and creative ways to spend or save what you get back from your tax return.

8 minute read
A

Tax time tips

6 steps to help you maximise your tax return

Prepare to lodge and maximise your tax return with these tips we’ve pulled together with help from the tax experts, H&R Block.

14 minute read

Managing my finances

How to navigate financial stress

Financial decisions can feel big and overwhelming. Learn about what is financial stress and how to navigate it to help you take back control of your finances.

3 minute read
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Resources

Money terms A-Z

Understanding financial terminology can be confusing. Check out our Money terms A-Z to help you take back control of your finances.

4 minute read

Budgeting and saving

5 tips to manage the rising cost of living

A look at how the rising cost of living is impacting everyday working Australians, and money management tips to help.

8 minute read

Financial Literacy: What is it and why is it important?

How simple, everyday habits can help you improve your financial literacy, manage your money better, and take back control of your finances.

5 minute read
Saving for the Easter long weekend - Beforepay

Budgeting and saving

Saving for the long weekend

The Easter long weekend is just around the corner. Check out these planning tips to help you make the most of your budget and time this long weekend.

3 minute read

Budgeting and saving

10 Easy ways to save money every day

Budget planning and money management are useful life skills. Here are 10 easy ways to save money every day to help you take back control of your finances.

7 minute read

Managing my finances

How to handle big money decisions

Financial decisions can feel big and overwhelming. Learn how to handle big money decisions to help you take back control of your finances.

3 minute read

Budgeting and saving

How to cut your weekly grocery shopping costs

The weekly grocery shop can be daunting and overwhelming for some. Here are our tips and tricks to cut down your weekly grocery shopping costs to help you take back control of your finances.

3 minute read
a glass filled with coins and a plant growing out of it.

Budgeting and saving

4 Steps you need in your life for building a budget

Still using Excel spreadsheets to do your budget planning? Here are four steps you need in your life for building a budget to help you take back control of your finances.

5 minute read

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