3 ways to get the car loan that best suits you

The process of buying a new car can be expensive and time-consuming, and unless you are well-prepared, there’s a good chance you’ll end up paying much more than you need to. We know that a new car is a significant purchase, and we’re here to help make sure that you get the best deal possible so that you can fully own your new wheels as soon as possible. Here are 3 ways to get the car loan that best suits you:

Budget, budget, budget

Like with most financial aspects of your life, it is incredibly important to create a budget before you head to the dealership. Without a clear idea of how much you can afford to spend, you leave yourself susceptible to persuasive car salespeople who may try to convince you to purchase a car that you can’t afford. Take the time to sit down and work out what you can afford to repay each week, taking into account other expenses, as well as the extra costs associated with owning a car.

Time your purchase to perfection

Unless you’re desperate for a car and need to get on the road as soon as possible, it’s worth waiting until the perfect time of year to purchase your new wheels. The best time to buy a new car is at the end of the financial year, as many dealerships push for sales before they have to close their books for the year. The end of the month is also a good time to buy, as car salespeople are required to reach certain sales targets each month, which means they may be more likely to negotiate a better price in order to secure the sale.

Shop around for the best loan

Many car dealerships will offer finance when customers come shopping for a new car, but while it may seem convenient to utilise, they may not offer the best deal. You’ll have better luck finding a good loan if you shop around with other lenders, such as banks or financial institutions beforehand. Once you’ve been approved, you should then go shopping for your new car. To check out the car loans we offer here at EasyPlan Financial Services, click here.

Easy ways to save for your next holiday

When everyday life gets mundane, the thought of an upcoming holiday can certainly help lift your mood. However, the constant worry about whether or not you can afford your trip certainly has the potential to ruin your holiday daydreaming. Despite this, a careful savings plan is all you need to ensure that you’ll have an enjoyable trip away without having to worry about a thing! Here are a few easy ways to save for your next holiday:

Create a travel budget

Like any savings plan, it must begin with a carefully thought out budget. Consider your current expenses, whether that be your home loan repayments, weekly grocery shop or your electricity bill, and work out how much you have left over after these have been paid. Work out how much you can afford to save each week after expenses, and commit to doing so each time pay day rolls around.

Set a savings goal

Now that you have a budget, you need to set a savings goal. How much is your holiday going to cost? Consider things like transport, accommodation, food and drinks, and spending money to come up with a rough estimate of how much your trip will cost. Don’t forget to include a buffer of around 10-20% in case of emergency, as you never know when unexpected expenses can pop up. Once you’ve figured out your savings goal, you can work towards reaching it! If you reach it sooner than expected, just keep saving as usual to give yourself a little extra to enjoy during your trip.

Open a holiday savings account

If you’re really serious about reaching your savings goal for the trip of a lifetime, consider opening a new savings account that you can regularly deposit savings into, but cannot take anything out of. Being unable to withdraw cash from this account will make it much easier for you to save.

Make lifestyle sacrifices

If you’re finding it difficult to save for your trip, perhaps it’s time to look at what you spend your money on. Take a week to write down every non-essential purchase you make (such as your daily coffee, dining at restaurants, or clothes shopping) and figure out where you can make sacrifices. For example, if you buy a coffee valued at $4.00 every morning before work, that adds up to $20 a week, $80 a month, and $960 a year that could go towards a holiday!

Top 4 countries to visit on a budget

Travelling the world is one of the best things in life. However, many people believe the word ‘travel’ is synonymous with the word ‘expensive’, which definitely isn’t true! If you’re thinking of adding a few destinations to your ‘around the world’ ticket, there are plenty of places to visit that won’t break the bank once you reach your destination and you can probably stick around a little longer! To prove it we’ve made a list of our top 4 countries to visit on a budget:


Just a 9-hour plane ride away, Cambodia is one of South East Asia’s most beautiful countries. With estimated expenses at under $20 a day per person, Cambodia is an excellent choice for budget-conscious travellers. There’s plenty to do in this culturally rich paradise, such as visiting temples, sampling the delicious local cuisine, or hopping between the stunning islands in the south. You can expect to find comfortable accommodation at very reasonable prices, and food & drink are also incredibly cheap compared to Western prices.


Located in Eastern Europe, Ukraine is another extremely affordable holiday destination for budget travellers. From vast mountains to urban centres to beachside resorts, Ukraine has something for everybody! You can expect to spend less than $20 a day in this unique European country, with opportunities to pinch your pennies even further by visiting the countryside (where prices are even lower than in the cities), or by opting for local restaurants rather than international ones when it comes to sampling the food.


Vietnam is yet another gem of South East Asia that is not only cheap to visit, but full of culture, history and beauty – all for less than $20 a day. The local food is affordable and delicious, and you can find a bed in a hostel or hotel for less than it would cost to go out for a meal in Australia. One of the most popular places to visit is Halong Bay, where you can find an incredible landscape with gorgeous islands that overhang the large bay.


Despite being one of the lesser travelled countries in Central America, Nicaragua is truly a hidden gem. Perfect for budget travellers, the daily expenses to visit are less than $15 a day, meaning you can really stretch your dollar! There are plenty of things to see in this tropical wonderland, from beautiful surf beaches to hiking the jungle, there is definitely not a shortage of options – especially when you’re paying less for a meal than you would for your daily coffee!

4 ways to save in your wedding budget

Your wedding is possibly the most expensive party you’ll ever throw, so there’s no doubt you are looking for ways to keep the costs down without sacrificing too much on your big day. It’s all about priorities, and finding a way to have the wedding of your dreams on a realistic budget. Here are a few ways to save in your wedding budget:

Get married in the off-season

While a late spring or mid-summer wedding may be ideal, it’s almost guaranteed that prices will be higher during this time, as the majority of couples choose to marry in the warmer months between September and March.  There is also risk of not being able to get your preferred date, as many venues book out quickly during this time. To save money and avoid missing out on your date, consider getting married in the off-season from May to August. Sure, the weather may be colder, but you can always pray for a sunny winter’s day!

Skip the sit down dinner

A three-course meal at your reception may be fancier, but the cost per person is much greater than serving just canapes or hors d’oeuvres. Plus, some people won’t finish their entire meal or will skip dessert, so it’s much more cost-effective to serve finger food instead of a three-course meal. If you’re worried about people getting enough to eat, consider serving a buffet – it’s cheaper, and people can eat as much or as little as they like, cutting down on wastage.

Avoid expensive flowers

Sure, covering your reception hall in bouquets of white roses may look stunningly extravagant, but there are plenty of other flowers to choose from that won’t break the budget, such as daisies or sunflowers. Save the costly flowers for the bouquet, and opt for a cheaper one to decorate the room with. Also, be sure to check which flowers will be in season when your big day arrives too, as these will likely be cheaper.

Get a talented friend to snap your big day

If you, or a friend, know someone who is handy behind the lens, consider hiring them to do your wedding photography rather than a professional photographer. Check out their work, get some sample shots taken and decide whether it’s worth it to save a few hundred dollars. Thanks to camera technology and editing programs, it’s easier than ever for an average photographer to take above average photographs!

5 ways to manage your budget while travelling

Travelling can be the most wonderful of experiences – the chance to explore new lands, to immerse yourself in new cultures, and to meet people you never imagined could exist. The joy and excitement of travel, however, can quickly plummet to the ground should you find yourself running out of cash during your trip. Never fear, because we’ve got 5 ways to manage your travel budget, and ensure that you have a stress-free trip!


Create a budget for each day and place

It is very easy to get carried away with spending, especially in the first few days or weeks into your trip. Further, not all places are created equal – while you can live like a king on $50 a day in Bali, you can live like a peasant on $50 a day in many European cities. Your daily budget should include accommodation and transport costs, as well as food and entertainment expenses. Take the time to do a little research into what is recommended as a daily spend in each city you plan to visit, and budget accordingly.

Monitor your spending on the road

Make sure to keep checking your budget during your trip, and adjust as necessary. If you spent more than you budgeted for in one city, you may need to cut back your daily spend in the next. On the contrary, if you spent less than you planned, you can roll over those savings into the budget for the next place on the agenda.

Book rooms with kitchen facilities

While it may cost a little extra to stay somewhere that has a kitchen, it’ll be worth it in the long run with the amount you’ll save on food. Eating out for every meal adds up, and by having your own cooking facilities, you’ll cut your eating costs significantly. That being said, you certainly don’t need to forgo all opportunities to eat out at local restaurants or cafes. By eating just one meal out a day will save you plenty, as well as ensuring you don’t miss out on any of the local cuisine!

Research free activities and attractions

While most of the major tourist hot spots will likely cost you an entry fee, there are always plenty of free activities and attractions available in every city – you just have to find them! Do your research beforehand, and remember that one of the best ways to discover a new city is to avoid touristy places and instead wander the streets and speak to the locals; they are the experts after all!

Don’t waste money on unnecessary purchases

Instead of forking out the cash to pay for a cab, explore a new city on foot or bicycle. It may take a little longer, but you’ll see much more, not to mention you’ll be able to spend the cash you saved on something a little more fun! Another tip is to avoid purchasing silly souvenirs that are unlikely to be kept or appreciated. You’ll find yourself out of pocket and with oversized luggage for your return journey!