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Managing my finances
Budgeting and saving
How to budget when you have an irregular income
Practical budgeting tips for shift workers and gig economy workers to handle irregular income, reduce stress, and plan for the future.
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Cost of Living Index
January 2025 Beforepay Cost of Living Index
Australians prioritised health in January 2025, with fitness spending up 27.4% YoY despite a post-holiday spending dip.
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Managing my finances
How to spot hidden costs in your monthly expenses
Learn how to uncover hidden costs in your monthly expenses and take control of your budget with these actionable tips and tools.
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Managing my finances
Popular
Pay advance v Personal loan – how do you know which one to choose?
Personal loan or pay advance? Understand the pros and cons of each and find out which financial tool can help you achieve your financial goals.
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Managing my finances
How to manage unexpected expenses early in the year
Unexpected expenses after the holiday? Learn practical tips and tools to manage January costs, stay on budget, and plan for a financially stress-free year.
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Managing my finances
6 financial mistakes to avoid in 2025
Avoid common financial mistakes in the new year, like ignoring debt or overspending on holidays.
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Cost of Living Index
December 2024 Beforepay Cost of Living Index
December 2024 Beforepay Cost of Living Index sees a sharp 11.1% month-on-month increase in daily average spend; 13.6% year-on-year.
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Managing my finances
5 financial resolutions to make for 2025
Start 2025 on the right foot with these 5 financial resolutions, including quarterly check-ups, alternative income streams, and more.
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Managing my finances
Popular
Top financial tips and savings from Beforepay in 2024
Read about Beforepay's top financial tips, borrowing insights, and customer reviews of 2024. See how Beforepay helped Australians on their financial journeys!
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Cost of Living Index
November 2024 Beforepay Cost of Living Index
November 2024 Beforepay Cost of Living Index shows steady spending with a slight month-on-month decline in the lead-up to Christmas.
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Managing my finances
Can buy now pay later affect your loan application?
Learn how frequent use of buy now pay later services can impact your loan applications and explore alternatives to support your long-term financial health.
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Cost of Living Index
October 2024 Beforepay Cost of Living Index
A 7.1% drop in petrol and auto expenses drove an overall month-on-month decrease in daily average spending for October 2024.
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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 Cost of Living Index.
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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.
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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.
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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.
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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.
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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!
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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.
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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.
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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.
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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.
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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.
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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 latest Cost of Living Index.
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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.
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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.
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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.
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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.
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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.
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Managing my finances
Q&A: Beforepay CTO Rajini Carpenter on keeping information safe online
We sat down with Beforepay’s Chief Technology Officer, Rajini Carpenter, to break down what cybersecurity is and tips for keeping your information safe!
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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.
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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.
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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.
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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.
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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.
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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.
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Tips for navigating job loss and changes
Beforepay newsletter: Tips to help you navigate job loss
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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!
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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.
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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.
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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.
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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!
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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.
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Beforepay Newsletter: 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.
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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.
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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!
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Beforepay Newsletter: Aussies are spending 9.2% more on utility bills
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!
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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.
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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.
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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.
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Beforepay newsletter: Daily spending drops to $58.81 in September
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.
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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.
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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.
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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.
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Cost of Living Index
August 2022 Beforepay Cost of Living Index
Australia's daily spending jumps 25% in August 2022, to $83.27 per day. This is a daily spending increase from $66.46 in July 2022.
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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.
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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.
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Introducing The Beforepay Beat
Find out more about the Beforepay newsletter - your source for the latest tips and updates to help you stay on track and in control of your finances!
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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.
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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.
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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.
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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.
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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.