How to avoid getting drenched on a rainy day – why savings and a budget really matters
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How to avoid getting drenched on a rainy day – why savings and a budget really matters

From the time we’re children, we’re taught about the importance of saving for a rainy day – or, that is, keeping some of money to the side for when we need it.

But somewhere along the way, many of us lose sight of …

Don’t hold your breath for a rate cut (but we also won’t see any further increases in 2024)
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Don’t hold your breath for a rate cut (but we also won’t see any further increases in 2024)

If you believe some commentators (and maybe look at their track record before you do) and certain media outlets, the Reserve Bank looks set to slash interest rates sooner rather than later – but I’m here to warn you n…