Free personal finance guides for Australians and British expats.https://www.baldmoney.com/https://www.baldmoney.com/debt-recycling-compared/https://www.baldmoney.com/debt-recycling-compared/Compare paying down your mortgage, direct investing or debt recycling. Discover where best to stick your spare cash for maximum benefit.Sun, 26 Jul 2026 07:53:00 GMTdebt-recyclingtaxinvestingaustraliahttps://www.baldmoney.com/slight-edge-wealth-health-curved-compounding/https://www.baldmoney.com/slight-edge-wealth-health-curved-compounding/Wealth and health are rarely a sudden leap; they are the compounding result of small, everyday decisions that are easy to do—and just as easy not to do.Sat, 25 Jul 2026 10:46:00 GMTinvestingmindsethealthhttps://www.baldmoney.com/psychology-of-money-lessons-australia/https://www.baldmoney.com/psychology-of-money-lessons-australia/Morgan Housel's The Psychology of Money proves that financial success is not about raw intelligence—it is about managing your own behavior. Here is what Australian investors need to know.Mon, 20 Jul 2026 04:38:00 GMTmindsetinvestinghttps://www.baldmoney.com/debt-recycling/https://www.baldmoney.com/debt-recycling/Want to make your mortgage interest tax-deductible? Here is how the debt recycling strategy works in Australia, straight from the ATO rulebook.Thu, 25 Jun 2026 10:16:00 GMTvisual_explaineraustraliadebt-recyclingtaxinvestingmortgagehome-loanhttps://www.baldmoney.com/dont-get-hung-up-on-dividends-total-return/https://www.baldmoney.com/dont-get-hung-up-on-dividends-total-return/Dividends feel like free money, but they aren't. Here is why focusing on dividends is a tax trap and why total return (capital growth + dividends) is what really matters.Tue, 23 Jun 2026 06:17:00 GMTinvestingtaxeshttps://www.baldmoney.com/why-percentage-fees-should-be-banned/https://www.baldmoney.com/why-percentage-fees-should-be-banned/Imagine storing your furniture in a warehouse and they take a chair every month as payment. That is how percentage fees work. Here is why AUM fees are a scam.Sun, 21 Jun 2026 07:10:29 GMTinvestingfeeshttps://www.baldmoney.com/the-art-of-the-tax-efficient-exit-a-guide-to-living-off-your-assets/https://www.baldmoney.com/the-art-of-the-tax-efficient-exit-a-guide-to-living-off-your-assets/When you start living off your assets, every sell order is a potential tax event. Here is how to sequence your sales to minimise Capital Gains Tax in Australia.Sun, 03 May 2026 07:17:40 GMTcgtcapital-gains-taxaustraliasharesetfsinvestingfinancial-independencehttps://www.baldmoney.com/the-superannuation-tax-wipe-how-to-legally-delete-your-cgt-at-retirement/https://www.baldmoney.com/the-superannuation-tax-wipe-how-to-legally-delete-your-cgt-at-retirement/Most Australians pay a hidden "tax drag" inside their super every year. Here is how switching to a direct investment option can legally wipe your CGT at retirement.Wed, 04 Mar 2026 10:22:51 GMTsuperannuationaustraliacgtcapital-gains-taxtaxpensionetfshttps://www.baldmoney.com/investing-for-your-kids-in-australia/https://www.baldmoney.com/investing-for-your-kids-in-australia/Setting up a share portfolio for your kids is a brilliant idea, but the ATO has some nasty traps. Here's how to use informal trusts and growth ETFs to invest tax-free.Wed, 18 Feb 2026 07:03:32 GMTinvestingaustraliachildetfsinvesting-for-kidsinformal-trusttfntaxatohttps://www.baldmoney.com/etf-buyers-checklist-uk/https://www.baldmoney.com/etf-buyers-checklist-uk/Before you click 'Buy' on your next ETF, make sure you run through this simple checklist. Missing just one of these factors could cost you thousands in UK tax and FX fees.Sun, 15 Feb 2026 23:53:12 GMTetfsukinheritance-taxinvestingfeesfxtaxhttps://www.baldmoney.com/dont-die-owning-uk-shares-the-sneaky-inheritance-tax-trap-hiding-in-uk-domiciled-assets/https://www.baldmoney.com/dont-die-owning-uk-shares-the-sneaky-inheritance-tax-trap-hiding-in-uk-domiciled-assets/Living overseas but still holding UK shares? Watch out. The UK inheritance tax rules for non-residents mean your estate could face a surprise 40% tax bill.Mon, 09 Feb 2026 23:37:43 GMTinheritance-taxuksharesexpathttps://www.baldmoney.com/the-case-of-the-vanishing-800-why-your-new-investment-just-slapped-you-in-the-face/https://www.baldmoney.com/the-case-of-the-vanishing-800-why-your-new-investment-just-slapped-you-in-the-face/Hit 'Buy' on an international share only to see your balance instantly drop? Discover the hidden FX fees and spreads that are draining your wallet.Mon, 09 Feb 2026 23:31:43 GMTsharesetfsforexfxfeesspreadhttps://www.baldmoney.com/what-is-the-index-in-index-funds-anyway/https://www.baldmoney.com/what-is-the-index-in-index-funds-anyway/Ever wondered what the "index" in index funds actually means? Here is a simple, jargon-free breakdown of how index funds work and the main market benchmarks.Sun, 16 Nov 2025 09:40:46 GMTinvestment-fundsindex-fundsindicesetfsnasdaqnasdaq-100https://www.baldmoney.com/cheapest-100-equity-growth-super-options-in-australia-2025/https://www.baldmoney.com/cheapest-100-equity-growth-super-options-in-australia-2025/Want the lowest fees on your super? I compare the cheapest 100% equity and growth index super options in Australia from Hostplus, AustralianSuper, and Vanguard.Sat, 01 Nov 2025 08:02:19 GMTsuperannuationequitiessharesinvestingaustraliainternational-marketshttps://www.baldmoney.com/best-high-interest-savings-accounts-australia/https://www.baldmoney.com/best-high-interest-savings-accounts-australia/No intro rates, no annoying conditions, no jumping through hoops. I compare the best high interest savings accounts in Australia to find a genuine home for your cash.Sun, 26 Oct 2025 10:09:00 GMTbest-ofhttps://www.baldmoney.com/host-your-home-on-airbnb-while-youre-on-holiday/https://www.baldmoney.com/host-your-home-on-airbnb-while-youre-on-holiday/Thinking about hosting your home on Airbnb while on holiday? Before you list, learn how platforms fees, local NSW STRA regulations, and the ATO's CGT rules can eat your profit.Sat, 18 Oct 2025 01:59:00 GMTaustraliapropertyairbnbhttps://www.baldmoney.com/are-your-pensions-high-fees-stealing-your-future/https://www.baldmoney.com/are-your-pensions-high-fees-stealing-your-future/Looking at a friend's UK pension fund fees revealed a shocking truth: high active management fees and platform charges can steal over half your pot. Here's why.Fri, 10 Oct 2025 22:52:34 GMTpensionretirementfeeshttps://www.baldmoney.com/the-259-279-80-decision-dont-leave-your-uk-state-pension-behind/https://www.baldmoney.com/the-259-279-80-decision-dont-leave-your-uk-state-pension-behind/British expats living in Australia can still claim the UK new state pension. Learn how making voluntary National Insurance contributions boosts your retirement.Wed, 17 Sep 2025 05:59:02 GMTukpensionuk-new-state-pensionretirementexpataustraliahttps://www.baldmoney.com/surcharges-the-secret-rip-off/https://www.baldmoney.com/surcharges-the-secret-rip-off/Tired of paying extra fees just to tap your card? Discover how the upcoming card surcharge ban in Australia will finally kill these annoying charges.Sat, 06 Sep 2025 07:47:57 GMThttps://www.baldmoney.com/online-account-credentials-keep-em-to-yourself-2/https://www.baldmoney.com/online-account-credentials-keep-em-to-yourself-2/Think sharing your online banking login with a budgeting app is harmless? Think again. Doing so could void your bank's fraud protection and leave you fully liable.Sun, 10 Aug 2025 07:35:17 GMTsecurityonlinebankingmortgageonline-safetyhttps://www.baldmoney.com/stop-outsourcing-your-life-why-taking-responsibility-beats-crossing-your-fingers/https://www.baldmoney.com/stop-outsourcing-your-life-why-taking-responsibility-beats-crossing-your-fingers/Stop outsourcing your financial future to glossy brochures and charming sales pitches. Learn how taking control of your finances is the ultimate shortcut to wealth.Mon, 09 Jun 2025 08:02:59 GMTmortagefinancial-adviceretirementsavingpropertysmsfresponsibilityhttps://www.baldmoney.com/best-nasdaq-100-etf-australia-uk-and-us/https://www.baldmoney.com/best-nasdaq-100-etf-australia-uk-and-us/Techno-giants have been on a tear, but how do you buy them efficiently? I compare the lowest-fee Nasdaq 100 ETFs for Australian, UK, and US investors.Sat, 07 Jun 2025 10:24:00 GMTbest-ofetfsfaangtechnologyqqqqqqmnasdaq-100nasdaqhttps://www.baldmoney.com/recomended-books/https://www.baldmoney.com/recomended-books/Stop wasting time on academic textbooks. These are the best personal finance and investing books that will actually change how you manage your money.Wed, 21 May 2025 10:27:00 GMThttps://www.baldmoney.com/my-favourite-money-podcasts/https://www.baldmoney.com/my-favourite-money-podcasts/Tired of dry, boring spreadsheets and dry financial news? Here are the best finance podcasts to keep you entertained while you build your wealth.Mon, 19 May 2025 11:29:00 GMTpodcastshttps://www.baldmoney.com/you-are-the-5-of-the-richest-people-on-earth/https://www.baldmoney.com/you-are-the-5-of-the-richest-people-on-earth/Feel like you're struggling with the cost of living? Here is why you are likely in the top 5% of the richest people on earth, and how to get some perspective.Wed, 07 May 2025 11:45:15 GMThttps://www.baldmoney.com/get-a-500-gift-from-the-australian-government/https://www.baldmoney.com/get-a-500-gift-from-the-australian-government/If you earn less than $60,400 a year, the Australian Government will give you up to $500 for free. Here is how to trigger the ATO super co-contribution.Wed, 07 May 2025 09:58:00 GMTsuperannuationaustraliapensionhttps://www.baldmoney.com/baldmoney-review-wise-dont-get-ripped-off-on-foreign-currency-transfers/https://www.baldmoney.com/baldmoney-review-wise-dont-get-ripped-off-on-foreign-currency-transfers/Wise isn't just a better way to transfer money; it's a financial revolution. My Wise review shows how to send money overseas using the real mid-market rate.Sun, 13 Apr 2025 11:46:56 GMTforexinternational-money-transferwisehttps://www.baldmoney.com/invest-in-yourself/https://www.baldmoney.com/invest-in-yourself/The best investment you can make is in your own brain. Here is how an Audible subscription and a clever bedtime hack helped me read dozens of books a year.Fri, 11 Apr 2025 11:26:31 GMTself-investmentbooksaudio-bookshttps://www.baldmoney.com/1-5-million-wiped-off-your-wealth/https://www.baldmoney.com/1-5-million-wiped-off-your-wealth/Sensational headlines love to scream about billions wiped off the share market. But is short-term volatility really the risk, or is inflation eating your cash?Wed, 09 Apr 2025 11:55:19 GMTsharesstock-markethttps://www.baldmoney.com/the-great-hedge-fund-humiliation/https://www.baldmoney.com/the-great-hedge-fund-humiliation/Warren Buffett bet $1M that a simple S&P 500 index fund would beat high-fee hedge funds over 10 years. Spoiler alert: the pros got absolutely humiliated.Sun, 09 Mar 2025 09:57:32 GMTinvestingindex-fundshedge-funds