Personal Finance
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Understanding credit scores and reports
![What to Know About Credit Reports in Australia](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/what-is-credit-report-435x290.jpg)
What to Know About Credit Reports in Australia
A credit report is a comprehensive record of your credit history and overall creditworthiness.
![How to Get Your Free Credit Score and Credit Report](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-check-credit-score-445x290.jpg)
How to Get Your Free Credit Score and Credit Report
Australia’s three major credit reporting bureaus must let give you free access to your credit report and score every three months.
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What Is a Good Credit Score?
A good credit score varies by credit agency: 661+ for Equifax, 625+ for Experian, and 400+ for illion.
![12 Questions About Credit Scores and Reports](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/credit-score-questions-435x290.jpg)
12 Questions About Credit Scores and Reports
Knowing how credit reports and ratings work will help keep you on track to achieve your financial and lifestyle goals.
Making money
![25 Ways to Make Money Online, Offline and at Home](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-make-money-435x290.jpg)
25 Ways to Make Money Online, Offline and at Home
Find out how to make money with a side hustle that suits your situation.
![How to Make Passive Income](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/passive-income-371x290.jpg)
How to Make Passive Income
Passive income can offer breathing space when your finances are tight, but whether a cash stream is passive or not isn’t always clear-cut.
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5 Things to Know Before Starting A Small Business
Before starting your own business, refine your long-term vision, register and apply for an Australian Business Number (ABN), and open a business bank account.
![Types of Employment in Australia](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/types-of-employment-435x290.jpg)
Types of Employment in Australia
Guide to rights and entitlements for different types of employment arrangements.
Managing money
![7 Money Management Skills to Master ASAP](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/money-management-435x290.jpg)
7 Money Management Skills to Master ASAP
Set yourself on the path to financial freedom by developing these key money management skills.
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Budgeting 101: How to Budget Money
Divide your income among needs, wants, savings and debt repayment, using the 50/30/20 budget method.
![Guide to the 50/30/20 Budget](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/50-30-20-budget-e1666204537191-460x192.jpg)
Guide to the 50/30/20 Budget
The 50/30/20 budget divides your income into needs, wants and savings.
![Pay Yourself First: Reverse Budgeting Explained](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2023/03/Reverse-budgeting-435x290.jpg)
Pay Yourself First: Reverse Budgeting Explained
With the pay-yourself-first budget, you put money towards savings goals like retirement before living expenses.
Spending and expenses
![How to Lower Your Bills: 33 Ways to Save Money](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2023/04/GettyImages-1145856338-435x290.jpg)
How to Lower Your Bills: 33 Ways to Save Money
Chances are, you can cut costs and keep some cash in your pocket by taking a closer look at your bills.
![How to Save Money: 21 Ways to Cut Costs](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-save-money-e1666205113784-460x192.jpg)
How to Save Money: 21 Ways to Cut Costs
Save on everyday expenses and stick to your budget by shopping smart, bundling services, cancelling subscriptions and more.
![Tracking Monthly Expenses: The First Step to Money Success](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2023/02/monthly-expenses--434x290.jpg)
Tracking Monthly Expenses: The First Step to Money Success
When you start tracking expenses, you can separate your spending into three categories: needs, wants and savings.