For years, Australian consumers tapping their debit or credit card for a morning flat white or paying for groceries have been met with an unexpected extra fee at the terminal. Following extensive review and regulatory reform by the Reserve Bank of Australia (RBA), that practice is coming to an end. This article will give you an overview of what is changing, how the reforms work, and the typical costs associated with different payment methods across Australia. What is Changing? Under previous...

Preparing a budget is one of the most important things every household and small business should do. It is a relatively simple task, but can be a confronting one. It can be quite stressful to see the numbers on the page, especially when the expenses are higher then the income! Personal Budget We recommend people prepare or review their personal budget at the start of each financial year or if there is a significant change in their circumstances, such as buying a house, getting a new job or...

The way Australian small businesses pay superannuation is undergoing its biggest shake-up in decades. From 1 July 2026, the old system of quarterly super payments is officially gone. Under the government's new Payday Super legislation, you must pay your employees' superannuation at the same time you pay their regular wages. Here is our practical guide to help your business get compliant, adjust your cash flow, and avoid steep penalties before the 1 July 2026 deadline. The New Rules vs The...