Owen Raskovich

So go away and Google that and just be aware that you don't typically have to pay for these things.

You can negotiate with your bank.

So that's pretty much number four.

It's just, you know, just make it simple.

Get back to basics with your bank accounts.

Don't pay fees for transaction accounts.

Make sure you track some decent level of savings.

It's, you know, it's, I mean, sorry, not savings, interest.

It's very simple.

You can use comparison websites to find decent bank accounts.

And the final one, which is one that I'm hopefully going to do myself in 2020, is go on a holiday without using a credit card, Afterpay, or any debt to pay for it.

And now that's probably in this consumer society we live in where you can Afterpay just about anything.

That's probably a big thing for some people.

Yeah, that's a good point, Kate.

I will just add, if you haven't read any of the news lately, obviously there's been a lot of devastation around Australia in early 2020 and tourism is taking a big hit from it.

So if you are in areas of Victoria, New South Wales, Queensland, South Australia, pretty much anywhere in the country right now and there have been bushfires or something of that nature,

You can get out and you can go to these towns because they want your business because they need to make money.

And so, you know, you don't need to go to Europe.

You could probably just do a weekend away.

Maybe pick a weekend in the next six months that you're going to go away to one of these places, support the community, have a good day, have a good weekend and do it without using debt.