Engagement Ring Insurance Guide

Engagement ring insurance close up of hand holding ring

Proposing is perhaps single most nerve-wracking moment in most people’s lives. With the significant financial commitment that comes with a ring, engagement ring insurance is great for peace of mind. To give you the low-down on exactly what to look for in an insurance policy, Monzi has put together a handy guide that will tell you everything you need to know. Let’s go.

Engagement ring insurance close up of hand holding ring

Engagement ring insurance: what is it?

Popping the question is a moment filled with fear, anxiety, excitement and hopefully, euphoria. Aside from buying a house or a new car, buying an engagement ring will be a major financial commitment.

With values ranging well into the thousands of dollars and its sentimental worth even exceeding this, insuring your engagement ring really is a no-brainer. That way you’ll be covered in the event of damage, loss or theft.

So what is engagement ring insurance?

Well, it’s simply an insurance policy that covers your engagement ring. You can apply for different levels of cover depending on the ring’s value and how much you would like to pay. But there is a bit more to it.

Read on and we’ll run you through all the key details to consider when buying a ring and looking for an insurance policy.

Can you get insurance for your engagement ring?

As you might expect, yes. You can get insurance for engagement ring just like almost any other valuable possession you own.

When it comes to insuring your ring, you’ll generally have two options.

First, you can add it to your additional home and contents insurance. This will provide cover for theft, loss or accidental damage. However, this kind of insurance often limits the amount that is covered. For instance, your ring may be worth $5,000 while you’re only covered for $1,000.

On the other hand, you can apply for specialised jewellery insurance. These policies will include a higher level of cover, however, that comes with the trade-off that your premiums will likely cost more. These policies do often come with additional benefits which may include things such as free annual revaluations.

Is engagement ring insurance worth it?

If for nothing else, insuring your engagement ring provides peace of mind. If something goes wrong (e.g. your ring is stolen), insurance means you can potentially recoup the value of the ring, replace it or have it repaired.

Furthermore, an engagement ring will likely be one of the more valuable items that you own. You insure your car and your home, so there’s no reason you shouldn’t insure your engagement ring too.

Ultimately though, it is your decision. Insurance is surprisingly affordable but ensure you do your research to find the best deal.

Travelling with your engagement ring

So, the wedding’s over and you’re headed away on your honeymoon. While it’s supposed to be the happiest time of your life, losing your ring could turn your trip into a disaster.

Luckily, there are insurers who offer travel insurance for engagement ring. Like with any other valuable item, insurers offering travel insurance can potentially provide you with a range of different policies and cover options. So, try to match the amount of cover with the value of the ring.

For example, for a $10,000 ring you’re going to need a policy that offers up to $10,000 worth of cover. Failing to get adequate cover means that in the event that the ring is lost and you must replace it, you will be required to pay the difference between the policy amount and the ring’s value.

With travel insurance for your engagement ring, you can rest assured knowing that in the event of theft, loss or damage you’re covered. It will take a weight off and ensure you can enjoy your honeymoon without having to worry.

Does travel insurance cover my engagement ring?

While your ring may be covered by your travel insurance, it is typically a good idea to insure expensive items separately.

Your travel insurance will cover you in the event that your luggage is stolen or lost. This payout however, covers all the items you lost. In many cases, the value of your ring will exceed the amount of cover you have.

As such, it is a good idea to insure your ring separately when travelling to ensure you have adequate cover.

If your travel insurance policy exceeds the value on your ring then it may not be necessary to take out a separate policy.

What steps do I need to take to get insurance?

So, you’ve decided you need engagement ring insurance Australia, what now?

Well, it’s relatively simple. Just follow these three steps and you’ll have your engagement ring insured in no time.

  1. Get the ring valued: the value of the ring is the best guide for helping to determine the level of cover you need. Obviously, the more valuable the ring, the more cover you will need.
  2. Find the right policy for you: should you include it as part of your existing contents insurance or should you find a specialised jewellery insurance policy? Shop around, do your research and find the best deal for your circumstances.
  3. Apply: once you’ve found the right policy. Apply for the cover you require.

How much does it cost to insure an engagement ring?

Unfortunately, at Monzi, we are unable to say exactly how much it will cost to insure your engagement ring. Put simply, we don’t offer insurance and as such, we cannot provide you with a cost. Instead, you will need to approach an insurer and request an engagement ring insurance quote.

However, as a loose guide, expect to pay approximately $1 to $2 per $100 of the ring’s value. Doing some quick maths, that means that for a ring worth $10,000, your year premiums will be somewhere between $100-$200. So, surprisingly affordable.

This is simply a guide, however. For more detailed information contact an insurance company who offers the product you are looking for.

What factors determine the cost of insurance?

As with most products, the cost of engagement insurance won’t be black and white. In fact, there are a number of factors that will be considered in order to calculate your premium.

  • The type of insurance and level of cover that you select: will it be included in your contents insurance or is it insured under a separate policy? Specialised jewellery policies typically come with higher premiums.
  • The ring’s value: the more valuable the ring is, the higher the premiums will be (typically)
  • Your location: if you live in an area that is high in theft, premiums may be higher

What does engagement ring insurance cover?

The exact list of coverage will be outlined in the fine print of your insurance agreement. Furthermore, the extent of your coverage will be determined by the policy you take out.

However, ring insurance will typically cover some or all of the following:

  • Accidental damage
  • Theft
  • Loss
  • Replacement or repairs (will depend on your policy)

What does insurance not cover?

Again, this will come down to your individual insurance policy. In most cases, the following will not be covered:

  • General wear and tear.
  • Intentional damage or destruction: could be by yourself, your spouse or a family member.
  • Alterations or damage incurred during cleaning or repairs.
  • Any damage that occurred prior to taking out the policy.

Finding the best engagement ring insurance

Trying to find the right insurer for your circumstances? Keep the following things in mind when comparing your options:

  • The premium: your annual payment can vary between lenders. Find the best deal for you.
  • Consider your options: contents insurance vs specialised jewellery cover. Understand the difference and which is right for you.
  • Analyse the fine print: know what you will be covered for. What types of damage or loss are accounted for? For example, are you covered if you lose the ring while overseas?
  • Understand the claims process: what does the insurer require from you when making a claim. May include photographs, valuations, receipts, etc.

Engagement ring buying guide

While engagement ring insurance is important, we’ve put the cart before the horse. In order to take out an engagement insurance policy, you first need an engagement ring.

If you have no idea where to begin, that’s okay. Monzi’s here to help. We’ve put together a simple, little guide that covers the key elements to buying the perfect ring. Read on.

How much should I spend on an engagement ring?

Traditionally, the rule of thumb is to spend approximately two months salary on an engagement ring. For example, if you earn $5,000 then you would spend $10,000 on a ring.

However, doing things simply to follow tradition or social protocol is overrated and often foolish. At the end of the day, you should only spend what you can afford. Putting yourself into excessive debt for an engagement ring is likely not wise.

Ultimately, do what you can to save up and only spend a reasonable amount. Try to purchase a nice ring at the right price. Your partner will be thrilled and you don’t have to compromise your financial situation.

Establishing what you can afford to spend

First things first, you need to establish what you can afford to spend.

When it comes to making any large purchase, you should always start by making a budget. Knowing what you can afford to spend is crucial in order to ensure you don’t live above your means.

So, consider the following:

  • Your income
  • Current expenses: food, rent, bills, any outstanding debts, etc.
  • Your savings: how much do you have in the bank? How much of that are you willing to spend?
  • Potential income: is your income relatively stable and secure? Are you in a job where your income could increase in the near future?

Alternatively, the free Moneysmart budget planner makes it easy. Your income and expenses are categorised giving you an easy-to-understand breakdown of your current financial situation.

Find the best deal

Research, research, research.

When you’re hunting an engagement ring, don’t buy from the first place you visit. Shop around and try to find a great ring for a good deal.

If you’re feeling bold, even look online. Online retailers can potentially save you a ton of money compared to jewellery stores and in many cases, they’ll offer you free shipping and returns. Although, admittedly it’s harder to get a feel for the ring from simply viewing pictures then it is from seeing it in person.

Obviously, if you stumble across the perfect ring early in your search, then shopping around might not be worth it. Although, it never hurts to look.

Get the right size

You’ve all dreamed about being a ninja at some point. Getting the right ring size is all about stealth and sneakiness. The last thing you want to do is spoil the surprise by asking for their ring size directly.

The best way to get the right size is to find a ring your partner owns but is not currently wearing. When you go to the jeweller, take it with you. They can measure it and tell you their ring size. Simple.

If you do somehow end up with the wrong size, don’t panic. Jewellers resize rings all the time. This may incur a fee, however, some lenders will offer it for free as part of the purchase. While you want everything to be perfect, an ill-fitting ring is not the end of the world and is an easy fix.

Know their style – engagement ring insurance

When it comes to buying an engagement ring, the sheer range of choices available can overwhelm anyone. That’s why it’s important to go in with at least some idea of what you want.

The best way to do this is to understand the preferences of your partner. This is where it pays to be observant.

Look at the jewellery they own and more importantly, the jewellery that they wear on a regular basis.

Consider a few of the following factors:

  • What colour does your partner like? Some people prefer silver, others gold. Maybe even rose gold. This is IMPORTANT.
  • Do they prefer big, glitzy jewellery or are they more low-key and understated?
  • Do they wear a lot of jewellery or very little?
  • Are there certain gems they prefer or ones that carry special meaning (e.g. birthstone)?

Nail those four questions and you’ll be on the way to buying the ring your partner has always dreamed of.

The four C’s of diamonds

First of all, buying a diamond ring isn’t mandatory. There are plenty of other precious gems that can make for beautiful engagement rings.

However, if you decide that a diamond ring is the choice for you (no judgment, perfectly reasonable), then make sure you have at least a brief knowledge of the 4 C’s.

Diamonds are graded according to four criteria: caret, cut, clarity and colour. From this, the jeweller can calculate the diamond’s quality and cost.

Here’s a brief overview of which each:

  • Caret: refers to the weight. The heavier the diamond, the higher the cost
  • Cut: the cut determines how the diamond looks. The way the light passes through it can set it apart and make it shimmer and sparkle.
  • Colour: diamonds range from colourless (most valuable) to light yellow. White diamonds are the most popular.
  • Clarity: the fewer the imperfections, the more valuable the diamond.

There’s plenty more information available online. Do your research to determine what diamond is right for you.

How to save money on an engagement ring

As you’re going to find out, engagement rings can be really expensive. With the significant financial commitment you’re going to be making, you don’t want to be paying more than you have to.

Luckily, it is possible to save money. Tips to ensure you get the best possible deal include:

  • Buy outside of peak times: engagements are at their peak around Christmas and Valentines Day and prices are too. Plan to buy your ring outside of these periods when prices may be lower.
  • Don’t get hung up on quality: unless you’re a professional jeweller, factors such as clarity and color won’t mean much to you. Above all, the cut is most important.
  • Get just under a caret: If you buy a fraction under a caret (0.9 vs 1.0) you can save as much as 20%. Best of all, to the naked eye the difference is indistinguishable.
  • Do your research: understanding the 4 C’s gives you the best chance to negotiate the right deal.

Engagement ring insurance: make your life easier

Want to ensure your application process is as simple as can be? There are a few things you can do to ensure the process runs smoothly. See below:

  • Keep the receipt: the purchase price is integral to the value. Knowing how much you paid ensures you can take out a policy that can sufficiently cover the costs.
  • Get the diamond certified: get the value of your diamond certified. Leave no doubt as to its worth.
  • Get a valuation: jewellery can change in value. Regular valuations can ensure you know its worth which is useful when it comes time to make a claim.
  • Keep your insurer in the loop: if the value of your ring changes, your premium may need to be changed. Let your insurer know if anything changes.

What happens if you lose and then find an insured ring?

Obviously, your first step after you lose an item will be to contact your insurer. If the item is lost or stolen, you can claim it and the insurer will pay out a cash amount based on your coverage which you can use to replace the item.

However, what happens if, after receiving a payout, you find the ring?

Firstly, and most importantly, you’ll need to let the insurer know. You then must return the cash or the item, depending on what you did with the payout.

If you don’t inform the insurer after you’ve received a payout, you can be charged with insurance fraud.

Should I borrow money to buy an engagement ring?

At Monzi, we cannot say if borrowing money is the right choice for you. It simply comes down to your financial situation.

Typically, it is wise to avoid relying on credit unless you absolutely must.

If you are seeking a loan, Monzi may be able to help. As a lender-finder service, we match borrowers and lenders. Just submit one simple application and we can potentially match you with an available lender who may be able to offer personal loans of up to $10,000. Check them out:

Loan amountLoan termSecurity required?
$300 to $2,000Up to 12 monthsNo
$2,001 to $4,60013 to 24 monthsYes
$5,000 to $10,00013 to 24 monthsYes

Lenders may vary in their terms. The actual terms of your loan may not reflect the above table.

Get engagement ring insurance today

So, you’ve decided to insure your ring. While we’ve given you some handy tips, it’s important that you do your own research. Investigate a range of insurers and policies and find the one that works for you.

Insure your engagement ring today.

Mini Caravans Australia – Time To Hit The Road

Keen to learn more about mini caravans Australia? Monzi’s here to help. We’ve put together a comprehensive guide covering key tips, unmissable destinations and everything in between. You’ll be an expert in no time. Let’s go.

people enjoying mini caravans Australia

Mini caravans Australia

Sick of towing a large caravan? Keen to make your first foray into the world of caravan adventures? Mini caravans Australia might be the right choice for you.

While large caravans can weigh up to two tonnes, mini caravans typically clock in well under a tonne making them far easier to tow.

While you will have to sacrifice the luxury of sitting areas as well as built-in bathrooms and toilets, mini caravans come with all the essentials that you actually need. In other words, you’ll have a comfortable place to sleep on each night of your holiday.

To give you the low-down on mini caravans, Monzi’s here. We’ve compiled all the key information to provide you with everything you need to know. So, let’s get started.

Can I afford to buy a caravan?

In short, it will depend on your financial situation.

Caravans come in a range of different sizes meaning costs can vary significantly.

Should you find that you don’t quite have the required cash-on-hand to afford your dream caravan, one potential finance option could be to find a lender offering caravan loans.

At Monzi, we work with a range of lenders who can potentially offer these loans for amounts up to $10,000. Apply today and we may be able to pair you with one such lender in just one hour.

Mini caravans for sale Australia: when’s the best time to buy?

Weather is a crucial variable to consider for any caravanner. If it’s too hot or too cold, your trip likely won’t be all that comfortable.

So, put some thought into when you want to leave. An autumn or spring trip can be the perfect balance between warm and cool, however, it will vary between locations. Which means you need to understand the climate and conditions before you leave.

For instance, if you’re heading to the tropics, the wet season can wreak havoc with your plans. Closed or flooded roads can stop you in your tracks and leave you stranded.

In terms of price, look to buy around December or January. You can potentially score a bargain as dealers are looking to clear stock to make room for new models which typically arrive in March and April.

Can my car pull a caravan?

In simple terms, it depends.

The one thing you will need to take note of is your car’s towing capacity. This is the maximum weight that your car is able to tow safely as outlined by the manufacturer. It will be listed in the owner’s manual, however, you should be able to find it with a quick visit to the manufacturer’s website too.

Obviously, as a general rule, the bigger your car is, the more it will be able to tow. Furthermore, manual cars may be able to tow greater weights than their automatic counterparts. However, most medium and large cars should have no issue towing mini caravans Australia.

When looking for your car’s towing capacity, you’ll notice it comes in two forms: braked and unbraked. This relates to what you are towing. Some trailers and caravans are unbraked while others have brakes.

Cars will be able to tow greater weights for trailers that are braked than unbraked.

Do I need insurance to tow mini caravans Australia?

Strictly speaking, you don’t need caravan insurance. However, being covered for theft and damage is never a bad idea.

If you do plan to tow a caravan, car insurance is a legal requirement. In the event that you damage someone’s property or injure them while towing a caravan, your insurance may pay out.

However, this cover does not extend to cover the caravan itself. Instead, you require separate insurance. If your uninsured caravan is damaged or stolen, you’ll have to foot the bill.

If you’re seeking caravan insurance make sure you shop around. There are plenty of great policies offered online that can provide you with the cover that you need.

The advantages of mini caravans Australia

Given their relatively small size compared to their full-size counterparts, there are a number of advantages that come with buying mini caravans Australia.

Firstly, their relatively light weight means that unlike caravans, they can be towed by most cars (e.g. hatchbacks), quad bikes or even motorcycles.

Second, the teardrop shape is a significant aerodynamic advantage. With the reduced drag, the increase in fuel consumption that comes with towing a caravan can be minimised.

Finally, the compact design means the space you take up is kept to a minimum. You have all the essentials in a fraction of the space.

Mini caravans Australia: what’s the downside?

The reality is that mini caravans won’t be for everyone.

The obvious issue and sticking point for most people comes with its main advantage. Mini caravans are compact, minimalistic and are equipped with only the necessary features.

For some, this is perfect. For others, however, this presents a major problem.

If you’re seeking a roomy caravan with all the modern trappings and features, then quite simply, a mini caravan won’t be for you. You’ll be in the market for something bigger and that’s OK.

Like with most products, caravans come in a range of shapes, sizes and comfort levels. If a mini caravan is not for you, do your research to find the one that best suits your needs.

How much do mini caravans Australia weigh?

Depending on the model that you buy, the weight of a caravan can differ significantly.

For starters, if you look at your basic camper trailer or mini caravan, you’re looking at a weight of only up to about 750kg.

Moving on up, small caravans typically range from 900kg to 1300kg.

Finally, large caravans can weigh anywhere from 1300kg all the way up to the mammoth mass of 2000kg.

This is simply a rough guide. Weights will depend on the make, model and age as well as the additional features included. Understand your car’s towing capacity before making the decision to purchase any caravan.

Best mini caravans Australia destinations: plan your trip today

So, you’ve got your caravan, now it’s time to get out and explore.

In Australia, you are blessed with some of the world’s most beautiful beaches, coastlines and landscapes. Best of all, you can explore much of it with your trusty caravan in tow.

To help you get started, Monzi has put together a list of some of the most picturesque and perfect regional holiday destinations to explore on your next caravan adventure.

The Great Ocean Road (VIC)

The Great Ocean Road is the number one, undisputed driving holiday in Australia. The 243km road stretches from Torquay to Allansford and is dotted with remarkable landscapes and quaint villages along the way.

The main attraction though is undoubtedly the Twelve Apostles. A series of rugged, limestone stacks located just off the shores of the Port Campbell National Park.

Curiously, while they were named the Twelve Apostles, there were only ever nine stacks. Following the collapse of one, there now stands only eight.

There are numerous caravan parks along the way, so if you’re looking to settle in for the night, you won’t be short of options.

The Kimberley (WA)

The Kimberley is Western Australia’s northern most region and covers over 420,000 square kilometers. For reference, that’s three times the size of England.

Along the way you’ll encounter breathtaking natural beauty and landscapes on par with those you’d find anywhere in the world. While you’re there, fly over the Bungle Bungle Range, have a dip in Lake Argyle or experience the magnificence of the Horizontal Falls.

Keep in mind that you may not be able to take your caravan everywhere (unsealed roads etc.). However, there are plenty of top notch caravan parks for you to leave your caravan at for the day while you’re out exploring.

While its extreme isolation means that it can be difficult to access for many (particularly for those on the east coast), the Kimberley should be on any adventurer’s bucket list. Trust us, it’s worth it.

Cairns to Cape York (QLD)

Set out from the shores of the Great Barrier Reef and head approximately 1000 kilometers north to Australia’s northernmost point.

Along the way you’ll encounter dense, tropical rainforest, red dirt roads and crocodile-infested waterways and crossings. At the very least, it will be an adventure.

As always, if you’re heading to the tropics, consider the weather. During the wet season (Nov-April) roads are often closed which can put an end to your holiday in a hurry.

May through October is typically the best time to visit not only because of the limited rain but also the reduced humidity and cooler temperatures too.

Discover Tasmania

The Apple Isle may be one of Australia’s most underrated holiday destinations. If you’ve got a caravan, it’s a must-see.

You’ll discover untouched natural beauty headlined by stunning national parks and wild coastlines, learn more about Australia’s convict history and indulge in some of the best wine, cheese and food this country has to offer.

If you’re heading across from the mainland, you will have two options. You can either hire a car and caravan once you arrive or you can take your own car down on the Spirit of Tasmania ferry which leaves daily from Melbourne.

Mini caravans Australia: tips to ensure you have the best trip possible

Whether you’re a caravanning novice or an old hand at the caper, there’s always plenty to learn. If you’re just starting out though, it’s worth taking you through the basics.

To give you a hand, we’ve assembled a quick list of some of our favourite (and often overlooked) caravan tips that will help make your trip one to remember while also keeping your stress levels down.

Make a list

We’re going to start with the absolute basics.

First of all, when you’re in the midst of planning your caravan holiday: create a checklist. Trust us, it will make your life so much easier.

As with all things in life, planning and organisation is vital. If you’re a novice caravanner, you’ll be shocked by the amount of things you need. Creating a checklist and ticking off items one by one is a no-brainer. It’ll make your packing easier too as you won’t need to hunt around to try and find things you might need.

Best of all, you won’t experience the gut-wrenching feeling that comes with realising you’ve forgotten an item of vital importance. It just makes sense.

Hit the road early

In the caravanning world, there’s no such thing as a sleep in.

Hitting the road early means you can pack up during the coolest time of the day while simultaneously ensuring you beat the traffic. And when you’re towing a two-tonne caravan, quieter roads are never a bad thing.

There’s also the added benefit of reaching your next destination earlier. That will give you more time to explore or experience the area which is always a plus. Especially if you’re only staying for a night or two.

Take it slow with your mini caravans Australia

At the end of the day, getting home safely is the ultimate goal. However, towing a caravan can be tricky and fraught with danger, especially for first timers.

So, take it slow. While you may end up creating frustration for the drivers behind you, it’s always better to be cautious when towing a caravan behind you. A steady pace will also help improve your fuel economy.

However, if you do notice that traffic is backed up behind you maybe pull over to allow the quicker vehicles to pass.

From a more macro perspective, take your whole holiday steady. Make sure you don’t have to rush between destinations. Limit your daily driving and plan for plenty of stops along the way. In other words, take your time and move at a leisurely pace.

Caravans aren’t designed to be speedy. Slow and steady is always a better option.

Work together

Many hands make light work. When you arrive at your destination ensure that everyone contributes to setting up. Have defined roles and procedures to ensure everything runs smoothly. If everyone pitches in you’ll be kicking back, relaxing in your camp chairs in no time.

While many hands may make light work, practice makes perfect.

If you’re a newbie, a great tip is to have a few practice runs before you leave. Try to develop a pattern and plan to ensure you can work efficiently during set-up and pack-up.

Maybe plan for a local, weekend getaway in the lead up to your major driving holidays to iron out any kinks that exist in the process.

Ask for advice

If you’re new to caravanning there is absolutely no shame in asking for advice. In fact, we actively encourage it. After all, there’s always someone out there who knows more than you.

Before you set out or even as you go about your travels, seek out more experienced caravanners. They should be able to supply you with a handful of practical tips as well as a collection of must-see locations.

If you’re looking for something more professional, there are plenty of comprehensive caravan training courses that will have you feeling like an expert before you know it.

At the same time though, don’t just assume that all the advice you get is accurate. Try to confirm any information you receive either online or through multiple sources. You don’t want to end up lost or in a pickle because you blindly followed a stranger’s advice.

Pick the right company

With mini caravans Australia, privacy is a thing of the past. You’ll constantly be in close quarters with your partner, friends or family and there’s no getting around it. So, be sure you can handle it.

Our advice is to try and give each other space where possible. Not only that, anticipate potential issues and come up with ways of dealing with them.

For instance, if your partner is known to snore, then make sure you pack your earplugs.

Alternatively, maybe they get bored easily and get on your nerves when they do. If this is the case, make sure you pack plenty of entertainment whether it’s books, board games or a few downloaded movies from your favourite digital streaming site.

Have fun

Your holiday should be fun and relaxing. While it’s easy to get caught up in the stress of driving, unpacking, the inevitable breakdowns and issues, don’t lose sight of what’s important.

In life, things will inevitably go wrong and it’s impossible to plan for every possible contingency. So, go with the flow. If something goes awry, take a deep breath and accept it, especially if it’s out of your control.

At the end of the day, focus on having fun. Enjoy your company, laugh, joke, play games and tell stories. In other words, have the best time possible.

Have a place to store your mini caravans Australia

Once your adventure is over, your caravan is going to need to go somewhere. Sure you could leave it parked in your driveway but that means it’s probably going to be exposed to the elements.

If you’re lucky, you might have a garage or shed to park it in. However, if you don’t, that’s OK.

Luckily, there are a range of long-term storage facilities where you can store your caravan during the months you don’t need it. It will be kept undercover and best of all, it’s relatively cost-effective. Do your research and find one near you.

What do I need to pack on my mini caravans Australia holiday?

There are a ton of things you’re going to need. For starters, here’s an extensive list of items to pack.

While you may not need everything on the list, it’s a great place to start.

  • Food
  • Safety and maintenance equipment: fire extinguisher, spare tyre, additional car parts.
  • First aid kit
  • Tool box
  • Clothes: consider the weather and try to pack light.
  • Resources: water containers, fuel, gas bottles, batteries.
  • Kitchen essentials: cups, cutlery, plates, bowls.
  • Things to keep you occupied: books, board games, technology.
  • Cleaning supplies: detergent, garbage bags, hand sanitizers.
  • Outdoor equipment: shades, camping chairs, esky, tables.

How much does it cost to caravan around Australia?

In short, it will depend on the length of your trip.

If you plan to go coast to coast exploring every possible destination that Australia has to offer then obviously the costs will be considerable. On the other hand, a small, local trip will be much more affordable.

Typical costs you encounter will include:

  • Fuel
  • Site hire: can range from $20 to $100 per night. May depend on site type (unpowered vs powered), season or location.
  • Food and drinks.
  • Equipment
  • Permits (may be necessary in some areas).
  • Maintenance (car or caravan): if something goes wrong.

Budgeting for you mini caravans Australia holiday

As you can see, the costs of your caravan holiday can quickly add up. In order to ensure your holiday is affordable, creating a budget is a great first step.

The ASIC’s Moneysmart budget planner makes your life easy. You simply enter your income and expenses and you’ll get a breakdown of where your money is going each month.

From there, you can work out how much you need to save as well as how much you can afford to spend. It’s the best place to start before you even think about planning your trip.

Mini caravans Australia: get out there and explore

Australia is a vast land with so much to discover. We’ve given you a range of handy tips but now it’s up to you. Hitch up the caravan and start exploring today!

Home Theatre Package Deals – The Ultimate Guide

home theatre package deals installed

Home theatre package deals can help bring your favourite movie titles to life in the comfort of your own home. To help you get started, Monzi has put together a comprehensive guide breaking down everything you need to know. Read on and you’ll be ready to build your perfect system in no time.

home theatre package deals installed

Home theatre package deals

These days, it’s so easy to just lie in bed with your laptop or tablet and stream your favourite shows. While it’s undeniably comfortable and relaxing, there’s something missing.

Hollywood blockbusters were meant to be enjoyed in a more immersive setting. A HD TV, surround sound and a dark room. Home theatre package deals can take your viewing experience to the next level (or beyond).

To guide you through everything you need to know about building your dream home theatre, Monzi is here. We’ll breakdown what you need, what works for you and what to avoid. In no time, you might be watching your favourite movies in a setting that matches any experience you could get at the cinemas.

So, read on. Let’s go!

Before you get started: work out your budget

Like with most products, the price of home theatre package deals can vary greatly.

Depending on what products you need, the quality of these products and the installation costs, prices can range from just a few hundred dollars to well into the thousands.

That’s why having a budget is so important. While we’re sure you are intent on creating a cinema-like atmosphere, it must still be affordable for you.

Creating a budget means you will know exactly how much you can spend. Tools like the ASIC’s Moneysmart Budget Planner make it easy. Not only are they free, they’re simple too.

Your expenses are categorised giving you a clear idea of what you can afford to spend. Once you’ve got a handle on your budget, you’re free to start putting together your ideal home theatre package.

Home theatre supplies: what do I need to get started?

If you’re building your home theatre package, there are some components you’re going to need. To help you out, we’ve put together a quick list of some of the key parts you require.

Note however, that this list is not exhaustive nor are all these items completely necessary. It is simply a guide to get you started.

A room

For most of us, our home theatre will simply be set-up in the living room. While this is not an issue and can be a great place, a truly next level home theatre really needs its own room.

If you’re lucky enough to have a spare room and the resources to renovate, creating your own home theatre is a great project. Add a few recliners, a HD TV or projector and you’ll never need to go to the cinema again.

Typically, the best theatre rooms are closed off and hidden away where you can create both silence and darkness.

A television or video projector

This is a no-brainer.

If you’re building home theatre package deals, there’s a good chance you’re building them with the intention of watching your favourite movies and tv shows in an immerse, captivating environment.

Obviously, a TV or video projector will be your first step to ensure you can actually watch them!


A receiver is your central hub that controls your home theatre system. It connects your TV, speakers, subwoofers, soundbar, gaming consoles and DVD/blu-ray players.

All your devices are plugged into the receiver and its job, in a nutshell, is to send the audio to the speakers and the picture to the TV.

A receiver makes your life easier. It creates an organised system and manages your devices for you. Everything is controlled from one place meaning you don’t have to worry about each component separately.


If you truly want to recreate a cinematic experience, you’re going to need a subwoofer. When you’re at the movies, seeing an action thriller, the deep bass that you feel rattle your body is created by the subwoofer.

A subwoofer, essentially, is a specialised speaker that is responsible for the lowest frequency sounds. When combined with regular speakers, it enhances the low frequency sounds creating a truly immersive auditory experience.

In other words, it’s a must if you’re seeking ultimate home theatre package deals.


Aside from a television, the showpiece elements of any home theatre package are undoubtedly the speakers.

Not only can they provide audio quality that almost rivals a cinema, they’re customisable too. Depending on the number of speakers you purchase, you can place them strategically around the room in a configuration that produces the best possible sound.

Best of all, excellent speakers come in a range of different shapes and prices. So, you don’t have to sacrifice sound quality just because you’ve got limited space or funds.


A soundbar is the cheaper, simpler alternative to surround sound speakers. It’s just a simple bar that you place in front of your TV. From it, you’ll get high quality sound although it won’t quite match the experience created by an array of strategically placed speakers.

When it comes to putting together your home theatre system, you’ll likely need to decide between a soundbar or speakers. While both have their benefits, it will be a matter of personal choice.

We’ll provide a rundown of each a little further down, so keep an eye out.

A media streaming device

If you have a smart TV then you can scroll past this. In any case, media streamers such as Apple TV, Telstra TV, Fetch TV or Google Chromecast can be a great addition to your home theatre system.

These media streaming devices allow you to access digital streaming services such as Netflix or Stan on your TV. This can also be done through certain gaming consoles (e.g. Xbox One). Moreover, the number of available streaming services is growing continually. For example, check out our guide on Disney’s new streaming service.

While they aren’t absolutely necessary, they’re certainly a great option and can eliminate the need for blu-ray players or other such devices.

They’re cheap too. You can pick one up for less than $100.

DVD/Blu-ray player

While DVD and blu-ray players are going the way of the dinosaurs, they could still be a good addition to your home theatre. If you have an extensive collection of DVDs or blu-ray discs you can watch your favourite movie titles when you want.

However, if you have subscriptions to Netflix, Stan or any of the other numerous digital streaming platforms, there’s probably no need. With their extensive catalogues, you might never run out of things to watch.

Cables, cords, power and wires

While all your devices will come with the required cords and cables, it never hurts to have a back-up. The best time to buy these back-ups is when you purchase your system.

That way, when a cord inevitably breaks or is chewed by the dog, you can replace it pronto. Your home theatre will be back up and running in no time.

For the best deals, shop around online. There are great deals on offer and you can buy in bulk. You can buy all the cords you’ll ever need with just a few clicks.

Comfortable seating

Ok, this isn’t strictly part of most home theatre package deals but it is worth mentioning.

While the sights and sounds are major parts of the experience, your comfort is too. A couple of large comfortable lounges (recliners for maximum comfort), a collection of soft cushions and some warm, cuddly blankets can help create the premier home theatre experience.

Obviously though, it must fit your budget. Replacing your perfectly good lounges to try and maximise your viewing experience probably isn’t an advisable short-term financial strategy.

Soundbar vs Speakers

If you’re looking to take your sound quality to the next level, the big question is do you want a soundbar or a home theatre speaker package?

While a soundbar is typically both simple and affordable, the unrivalled sound quality and experience created by surround sound speakers can be hard to resist.

At the end of the day, both have their pros and cons and when it comes to designing your system, you’ll have to choose one or the other.

To help you out, we’ve put together a brief list of the advantages and disadvantages. Read on for more details.

Soundbars: the positives

  • Typically cheaper than speakers
  • Easier to set-up: minimal installation required
  • Good sound quality
  • Space: a soundbar simply sits in front of your TV whereas speakers can consume your entire living room.

Soundbars: the downsides

  • Can’t quite match the quality, immersiveness and volume created by surround sound speakers.
  • Come only in the long bar shape. While for most people it can be placed in front or underneath the TV (even wall-mounted), for some, there may be issues with where to put it.

The advantages of speaker systems

  • The quality is just better: you can create cinema-like surround sound to create the best possible at-home movie viewing experience
  • Customise it: you can place the speakers wherever you want (within reason). That means you can create the layout that works best for you.

The disadvantages of speaker systems

  • It’s more expensive: if you’re on a budget then a soundbar might be a better choice for you. Speaker systems can be considerably more expensive.
  • Space: if you’re buying multiple speakers then you’re going to need a place to put them. Speaker systems won’t work for everyone, especially if you’re low on space.
  • Complexity: if you decide to install speakers yourself, you might end up lost in a nest of wires. Installation can be tricky so follow the instructions closely.

Can I buy complete home theatre package deals?


There are plenty of retailers that sell a complete, home theatre package. While you have the option to buy each of the individual components yourself, these complete packages make your life easier.

They come in one, easy-to-manage set and, in plenty of cases, can be cheaper than buying the components individually.

If you’re interested, these packages can typically be purchased at any quality technology retailer.

Not only that, like with speakers, TVs and most other products, there are a range of options on offer. Depending on your budget and needs, there are potentially home theatre package deals for you. Prices range from just a few hundred dollars to well into the thousands.

Where can I buy a home theatre package?

There’s plenty of choice.

Whether you want to buy it in-person or online, you won’t be short on options.

Essentially any good technology or electronics retailer will be able to provide you with everything you need to get started. In fact, they might even be able to offer installation too, although it will cost you (more on this soon).

The great thing about a competitive market is that you can shop around. Compare prices offered by regular retailers (e.g. JB Hi Fi, Harvey Norman etc.) with those offered by online retailers (e.g. Kogan). You can potentially save yourself hundreds of dollars on high-quality home theatre package deals.

Alternatively, if you’re patient, wait for the sales (e.g. Black Friday or Boxing Day) and buy at the lowest possible price.

What brands offer home theatre package deals?

While there are plenty of retailers that sell home theatre deals, there’s even broader range of brands on offer. Home entertainment is a huge market and there are plenty of players vying for your money.

Depending on your need, you can potentially buy a range of different packages from some of the world’s leading audio and entertainment brands.

To give you a quick overview, two potential options are listed below. These are not Monzi’s recommendations, they are simply two prominent brands to get you started. If you do your research, you’ll likely find a number of other options.

Onkyo home theatre package

Onkyo are a Japanese-based company that specialise in premium home cinema and audio packages. In short, they’ll take your home theatre to the next level with a range of high-quality packages.

They offer products at a range of price points meaning there may be something for you no matter your budget. When it comes to home theatre packages, Onkyo is typically a brand you can trust.

Yamaha home theatre package

Yamaha are another leading Japanese home entertainment and audio brand. A Yamaha package can transform your lounge room into an epic home theatre in the blink of an eye. Packages range in price from a few hundred dollars up to a few thousands. Obviously, your choice will be determined by your budget.

Home theatre package deals installed

Once you have all your parts, you’re going to need to install them.

At this point, you’ve reached the great home theatre debate. Do I do it myself or do I have it professionally installed?

Installation costs will vary depending on what needs to be done, however, you’ll typically be looking at costs of between $60-$80 per hour plus a call-out fee (this is a rough estimate).

While it will cost you, the single greatest benefit of professional installation is the peace of mind that comes with knowing it will all be done correctly.

However, if you’re tech savvy and think you can follow the instructions, go for it! You’ll save some money and be rewarded with the satisfaction that comes with doing it yourself. Although, prepare yourself for the inevitable stress, frustration and confusion.

How soon can I get my home theatre package deals?

After you purchase your home theatre package you can install it straight away. There’s no need to wait.

If you are getting it installed by a professional, ensure you request a quote and book an appointment. In general, setting up your home theatre package shouldn’t take more than a few hours so you’ll be watching your favourite movies before you know it.

Home theatre package deals: Afterpay and other finance options

While you may be looking to buy your home theatre system package today, there’s a chance you won’t have the required cash on-hand.

If this is the case, and you decide not to wait, there might be a few finance options available.

Some retailers may offer lay-by or Afterpay options allowing you to spread the costs over a longer period. This will depend on the retailer you are detailing with however, and Monzi cannot say with certainty what will be offered.

Alternatively, you may consider a personal loan. As a lender-finder service, Monzi may be able to match you with a lender offering up to $10,000. You get your cash today while repayment periods may range from 12 to 24 months.

However, the viability of a personal loan will depend on your financial situation. Consider what is affordable for you and whether the repayments would fit with your budget.

Home threat package deals: avoid these common mistakes

Buying and installing your home theatre package deals can be a minefield of mistakes, issues and disorganisation. To help you out, here are a few common mistakes to avoid.

  • Organise your cables: Make sure you have cable ties and a label maker. Keep your cable ties neatly organised and labelled and don’t leave loose cables hanging around. It’s far easier to do this when you’re in the installation phase.
  • Sort out your power: Buy new powerboards if you haven’t in a while. Also, plug your devices in a logical manner. For instance, plug devices that are always on (internet modem, router, TV etc.) into the same powerboard.
  • Buy plenty of cables: make sure you have back-ups and spares. If at some point a cable stops working, you’ll have a replacement ready to go.
  • Read the instructions: they exist for a reason. Follow them and there should have no issues.
  • Knowledge is power: don’t make a hasty decision. Do your research, ask for advice and then buy the products that are right for you.

Home theatre package deals: what is right for me?

Unfortunately, we are unable to say exactly what package is right for you. Ultimately, it will come down to your budget and what you’re looking for.

As always, the best advice we can give is: do your research! Find products that suit your needs and are within your price range. Check out product reviews and shop around for the best price. If you need it, don’t be afraid to reach out for professional advice about how you should go about building your home theatre.

There’s plenty of information out there, you just need to take the time to read through it.

Home theatre package deals: a final thought

There’s no doubt a high-quality home theatre package can be an A+ addition to your living room or home cinema. At Monzi, we’ve tried to give you a simple run-down of the key things to consider.

If you decide to take the plunge and purchase a package, ensure you shop around to find the best deal for you. Try to balance quality with affordability and consider a range of options.

At the end of the day, it’s about creating the best possible entertainment experience for you.

Get more Monzi

Want more Monzi? We have a heap more informational content out there. For example, find the cheapest theme park tickets with our helpful guide.

Cheap Theme Park Tickets – Score Yourself A Bargain Today

Cheap theme park tickets can help you take the family to your local theme park on a budget. Keen to find the best deal? Monzi has put together this comprehensive guide covering everything you need to know. Let’s go.

Cheap theme park tickets rollercoaster

Cheap theme park tickets: the ultimate guide

Theme parks are the quintessential family day-trip destination. Combining family-friendly rides and activities with thrilling rollercoasters that are perfect for thrill-seekers, you’re almost guaranteed to have a day to remember.

If you’re a theme park novice however, you’re probably unaware of all the tips, tricks and hacks you can take advantage of to ensure your day is a great one. That’s why we’re here.

Monzi has put together this complete theme park guide to make your life easy. You’ll find out how to get cheap tickets, learn about some of the best theme park hacks and when the best time to visit is.

So, keen to get the most out of your theme park visit at the best price? Read on.

Cheap theme park tickets: find discounts online

If you’re looking to save money on tickets, it pays to do your research. These days, coupon websites and special offers are dime-a-dozen. Spend a little time googling and you could find yourself a great deal.

If you’re not sure how to get started, websites such as Groupon regularly offer codes for cheap theme park tickets covering both single-day and annual passes.

While they won’t be available 365 days a year, keep an eye out. Check in regularly to try and score yourself the best deal. You can potentially save big. In some cases, up to 50%!!

Want cheap theme park tickets? Check your insurance

This may only apply to a small segment of the population, however, it is a surefire way to get a discount on your theme park tickets.

If you’re an RACQ or RACV member, you’re eligible for a range of discounts. Simply head to the website and check the products they have on offer.

RACQ and RACV both offer discounts for Dreamworld and Village Roadshow theme park passes. In addition to this, RACV also offers discounted Luna Park entry for those of you in Victoria.

Remember though that Monzi cannot provide specific details of these offers. If you’re a member with either organisation, do your research to determine if you can access cheap theme park tickets Queensland.

Cheap theme park tickets with reward points

Are you a Flybuys or Velocity Frequent Flyer member?

If the answer is yes then you can potentially exchange your points for cheap Gold Coast theme park tickets. Simply save up your points throughout the year and when you’re ready to visit, head to the online store.

While you may not be able to buy tickets for the whole family, even purchasing a single ticket saves you a ton of money.

Look at it this way, if you’re a family of four and purchase one ticket using your Flybuys points, you’ve just saved yourself 25%. Simple.

Cheap theme park tickets: annual passes

If you’re planning to visit your favourite theme park more than once a year, then an annual pass can be the perfect option for you.

Buy a pass and you get unlimited access to the park of your choice for 12 months. Moreover, you might receive access to a range of special events, discounts, or offers as well. Best of all, it’ll typically cost you less than the price of two single-day passes.

In many cases, your annual pass will give you access to more than one theme park too. For instance, a Village RoadShow theme parks’ annual pass gives you access to four parks for the price of one. You get unlimited access to Sea World, Movie World, Wet ‘n’ Wild and Paradise Country, all for less than $200.

For adrenaline junkies or fun-loving families, an annual pass is a great way to get theme park tickets cheap.

Cheap theme park tickets Gold Coast: Combine it with your hotel

While this won’t be an option for every theme park, there are some deals out there offering accommodation on the Gold Coast with theme park access included.

Sea World Resort for instance offers package deals which include access to all four Village Roadshow theme parks (Sea World, Movie World, Wet ‘n’ Wild, Paradise Country) in your accommodation costs.

Similarly, Dreamworld has partnered with certain hotels and motels in order to offer similar products. Theme park access is included in the accommodation costs thereby saving you money.

Keep in mind though that these packages are subject to availability and offered at the parks’ discretion. We are unable to provide specific details and have simply provided a suggestion. If this sounds like something you’re interested in, make sure you do your own research.

Monzi’s guide to the ultimate theme park experience

While we’ve covered cheap theme park tickets, we want to ensure you have the coolest day possible. As a rule, if you’re struggling to stay awake on the way home then you’ve had a 10/10 day.

If you’re a theme park rookie, there are a ton of great tips that can make it a day to remember while also making your life so much easier.

So, let’s get into them.

Make a plan

Let’s begin with our top tip. Before visiting any theme park, do your research!!

Every theme park will provide an online, interactive map on their website. So, the night before, spend 30 minutes to an hour setting out your day. Know which rides you must experience or which shows you want to see.

Having a plan of attack allows you to get the most out of your day while ensuring you don’t miss any of the key attractions. It doesn’t have to be strict either. It’s simply a rough outline of how you will spend your time.

Finally, it’s important to be strategic with your plan. For example, go on the major rollercoasters before lunch. Why? Well, taking a ride on a full stomach usually doesn’t end too well.

Get cheap theme park tickets qld: buy online

Buying your tickets online before you arrive has two benefits.

First, you can jump the queues. Rather than lining up, credit card in hand, waiting to purchase your tickets, you can breeze past the crowds and get stuck into your day straight away.

Second, it can save you money. There are a range of discount codes and special offers online which can save you a ton. On the other hand, buying at the gate virtually ensures you’ll be paying full price.

Hit the key stuff first

There’s always a ride or attraction that you just have to experience. Our tip: do these first.

Typically, crowds build-up throughout the day meaning the lines will only get longer. Not only that, you don’t want to be rushing at the end of the day trying to cross the final few rides off your list.

Ticking off your big ticket items first ensures nobody goes home disappointed.

Arrive early

Ever visited a theme park during school holidays? They’re packed!

Hordes of families descend on the parks each day meaning lines will be long and parking will be limited.

A good rule of thumb is to aim to arrive 15-30 minutes before opening time. That way, you’ll get a park and can walk in when the gates open. You’ll be able to take advantage of the slightly smaller early crowds although it’ll get busier as the day goes along.

In addition to this, arriving early ensures you can get the most out of your day. Most theme parks are open during school holidays from mid-morning until late afternoon giving you approximately eight hours of fun.

Dress appropriately

Theme park days are long. If you’re going during summer, they’re hot too. Your clothing choices will make a difference.

Firstly, enclosed footwear is a must. If you’re walking the long distances from ride to ride, from one end of the park to the other, a lack of comfortable footwear will come back to bite you.

Second, wear your sun-smart clothes. A day out in the sun can leave you burnt to a crisp if you don’t take the proper precautions. Pack a hat and wear a shirt that covers your shoulders and neck if possible.

Being sun-smart and comfortable are within your control so make good choices.

The number one tip for parents: establish a meeting area

While the last thing you’d ever want is to lose a child, theme parks are renowned for separating children from their parents. That’s why at the start of the day, it’s critical to establish a meeting place.

Pick a landmark or some kind of defining feature and drill it into your kids’ minds. If at any point you get separated throughout the day, tell them to head straight there and you will meet them.

Establishing a common meeting point takes away the inevitable panic that can come with being separated from your child.

While in a perfect world the meeting place won’t be used, kids getting lost in a theme park happens all the time. At the very least, it’s a great safeguard to have just in case.

Know what you’re allowed to bring in

All theme parks have policies about what you are allowed and not allowed to bring into the park. As you might expect, food is at the heart of this.

While some parks allow you to bring in whatever food you would like, other parks don’t allow you to bring in any (unless you have a genuine medical need to do so).

Before you leave for the day, ensure you have checked the park’s guidelines and terms of entry. While cheap theme park tickets and bringing your own food are great money savers, it will all go to waste if your food’s not allowed in.

Pack smart

In order to have a great day, it’s important to pack well. While things such as water and sunscreen are a given, there are plenty of other items you’re going to need too.

At the same time, you don’t want to be lugging around a heavy bag all day. So, finding the right balance is crucial.

As a guide, consider packing the following items:

  • Water
  • Sunscreen
  • Snacks
  • Swimsuit
  • Towel
  • Hat
  • Portable phone charger
  • Change of clothes
  • Hand sanitizer
  • Tissues/napkins (or something similar)

Do your own thing

Rollercoasters aren’t for everyone. If you arrive and decide that certain rides aren’t for you, that’s totally fine. Don’t let anyone pressure you into getting on a ride you’re scared of or won’t enjoy.

You can still have a great day without taking on the most daring or thrilling rides. Simply work within your limits and only get on the rides you feel comfortable with.

While we’re on the topic, don’t pressure anyone into anything either. We’re not all adrenaline junkies. So, be respectful of people’s limits and boundaries.

It’s meant to be fun

Keep these three words in mind: fun over everything.

It’s easy to fall into the trap of arguing over which rides to experience or what food to eat but at the end of the day, who really cares.

You’re there to have fun. So, make compromises. Try to do as much as you can and ensure everyone gets a say in the activities.

Your day should be about joy, excitement and happiness not resentment and frustration. Put aside the drama for one day, have fun and get the most out of your cheap theme park tickets.

Can I get Gold Coast theme park cheap tickets with a concession card?

Potentially, however, it will depend on what concession card you hold.

In most cases, the major Gold Coast theme parks do not offer concession discounts to full-time students meaning you will be required to pay the full price of entry.

On the other hand, if you are a holder of a pension card (e.g. over 65 years old) your ticket may come at a discounted price.

How can I get to the Gold Coast theme parks from Brisbane?

You have three transport options to get you from Brisbane to the Gold Coast theme parks: car, bus or train.

Firstly, if you have a car then the theme parks are a quick, one hour drive from Brisbane city down the M1. The turn offs are clearly marked so you shouldn’t miss the exit.

Second, you can choose the bus. Dreamworld in particular is an official bus stop between Brisbane and the Gold Coast and could be a convenient option if you cannot access a car.

Finally, if you decide to catch the train, both the Village Roadshow theme parks and Dreamworld are located between Coomera and Helensvale stations. Just hop on the Gold Coast line from Brisbane and you’ll be there in no time. Best of all, you don’t have to worry about parking.

I’m staying in Surfers Paradise: how do I get to the theme parks?

Like with Brisbane, you can choose between car, bus or train.

If you’re driving, the Gold Coast theme parks are located just 20 minutes north of Surfers Paradise.

On the other hand, Gold Coast bus services operate regularly and will drop you right at the front door. If you’re staying at a hotel, shuttle buses to the park may be available, however, you will need to check with your hotel first.

Finally, the Gold Coast light rail service provides services to Helensvale Station, conveniently located right near the parks.

Where do I leave my belongings during the day?

Obviously, at a theme park with tons of rides, you’re going to be constantly on the move. That means setting up camp likely isn’t an option.

In addition to this, you can’t take your phone or backpack on a ride, so what do you do?

Luckily, almost every theme park has lockers available to rent for the day. They are relatively inexpensive and give you a safe location to leave your stuff. Once you’re ready to leave or if you decide to have a break, you can simply access your gear as needed.

As a guide, locker hire will typically only set you back about $10 for the day. A small price to pay for the convenience that comes with having a safe place to store your belongings.

When’s the best time to visit and get cheap theme park tickets?

The best day to visit will depend on both the park you’re visiting and your schedule.

While it’s an obvious statement, if you’re visiting a water park then it’s probably best to plan your trip during summer. On the other hand, visiting a park like Dreamworld which can include a lot of walking might be best through the cooler months.

As you’d expect, peak times will always be during school holidays. Often, this is the only available option for families. If you’re planning a visit during these times then it’s wise to expect large crowds and long lines.

A handy alternative for families can be to visit on a Saturday or Sunday during the school term. While visitor numbers may still be high, it won’t be quite as hectic as holidays.

Cheap theme park tickets may also be offered in off-peak times.

How much can I afford to spend on cheap theme park tickets: budgeting 101

While it’s great fun, a visit to the theme park isn’t cheap. Costs for a family of four run well into the hundreds and that only gets you through the gate.

Once you’re in you may need to buy food, drinks or things from the gift shop. In short, prepare for an expensive day.

If you’re not sure how much you can afford to spend, make a budget. The ASIC’s Moneysmart budget planner is a free and simple online tool that makes budgeting easy. Your income and expenses are separated into categories, giving you a clear picture of your financial situation.

Once you’re done you’ll know how much you can afford to spend on your day out.

And in any case, tracking your expenses and savings is never a bad idea. It’s one of the most important tips when it comes to managing your money effectively.

Have a great day!

We’ve given you a range of handy tips to ensure you have the best day possible. Now, it’s in your hands.

Start planning your trip today so you and the family can have a day to remember. Theme park tickets aren’t cheap meaning visits may be few and far between so the last thing you want to do is waste your day. If you follow Monzi’s tips though, we’re pretty sure you’ll have a killer day.

Finally, above all else, have fun!!

Groomsmen Gifts Australia – Monzi’s Guide To Finding The Perfect Gift

Groomsmen gifts Australia man putting flower on lapel

So, she’s said yes, what now? You’ll need some groomsmen to stand by your side on your special day. To show your appreciation for their unending support, you’ll need some gifts. But what should you buy? To help you out, Monzi has put together a guide covering groomsmen gifts Australia. Let’s get started.

Groomsmen gifts Australia man putting flower on lapel

Groomsmen gifts Australia

Your groomsmen have been with you through thick and thin. Whether it’s your brothers, closest friends or even your dad, they’ve earned the right to stand beside you on your wedding day and you’re grateful to have them there.

In the lead-up to your wedding they’ll be renting or buying a tux, planning speeches, organising your buck’s party and ultimately helping to ensure everything is easy for you.

With the considerable time, effort and money they put into your wedding, it’s customary and thoughtful to purchase them a small gift to show your appreciation.

If you haven’t got a clue where to begin when it comes to buying gifts, Monzi has put together this all-encompassing guide that will make it simple and convenient. You’ll have the gifts for your groomsmen sorted in no time.

Let’s go.

Three steps to picking your groomsmen

Before we even get to buying groomsmen gifts Australia, the first thing you will need is some groomsmen. Unfortunately, deciding who should be standing up there with you on your special day is not an easy task. To give you a hand, we’ve put together a simple, three-step guide to get you started.

Step one: How many groomsmen should I select?

To give it to you straight, as many or as few as you would like. There are no rules when it comes to the makeup of your wedding party, there’s merely tradition.

If someone attempts to tell you that there is an exact number of groomsmen you need, ignore them. It’s your day and the decision is in your hands. Whether you want to have 1, 10, 12 or 50 groomsmen you are free to make that choice.

However, as a guide, typically six or fewer is a good number. Being a groomsmen should be an honour. Having up to six groomsmen retains the exclusivity while recognising your closest friends or family members.

Again though, it is your decision.

Step two: Who should be your groomsmen?

Choosing your groomsmen and best man can be a minefield of hurt feelings and jealousy. Ultimately though, it’s your decision.

For some people, the choices will be easy. If you have got a small friendship circle made up of a few close friends, it’ll be a no-brainer. In a similar vein, if you’ve got brothers, they’ll often feature prominently.

However, if you’ve got a large friendship circle that you’ve developed from childhood through to adulthood, things can be difficult. Tough choices will need to be made. Decide who means the most to you and has earned their spot alongside you.

When it comes to picking a best man, consider not only your friendship with them but their reliability, public speaking ability and how they get along with people too.

Step three: Will you be my groomsmen Australia?

Once you have your list of potential groomsmen, it’s time to ask them.

Being a groomsman can be a significant responsibility and it is an honour. So, make some effort when it comes to the proposal. Simply sending an online message (e.g text or email) is dull and takes away the magic. Avoid it at all costs.

A great way to do it is at a group dinner. Gather the boys at your favourite restaurant or bar and ask the question when they’re all present. Alternatively, send a box of groomsmen gifts Australia complete with all the groomsmen essentials. Attach a card that poses the question and wait for their response.

The gifts

Now that you’ve got your groomsmen sorted, we can move onto the groomsmen gifts Australia.

In general, your groomsmen gifts don’t have to be expensive, grandiose or flashy. They are simply a customary, thoughtful way of recognising and showing your appreciation for the effort and time your brothers or closest friends have put into your wedding.

There are plenty of simple gift ideas out there and products designed for this specific purpose. With a little bit of effort, you can knock your groomsmen gifts out of the park.

Groomsmen gift packs

Unsurprisingly, groomsmen gift packs have become their own product. Do a quick google search and you’ll find a wide range of personalisable gifts that will save you the hassle of finding five or six different gifts.

Beer glasses, whiskey sets, shaving kits as well as wedding essential gift packs (e.g. bow ties, cufflinks) all feature prominently. With the range of choice on offer, pick the one that suits the interests of your groomsmen the best.

These gift boxes are designed to be the quick, hassle-free solution to your groomsmen gift needs. However, they can lack a personal touch. If you would like to buy your own, more personal gifts, go for it!

Groomsmen gifts Australia: to personalise or not

This is the great gift debate. Should you buy each of your groomsmen the same present or should you buy unique and personalised groomsmen gifts Australia?

While buying the same present for everyone is undeniably the most simple and common solution, it may not work for everyone. After all, we’re all individuals with different interests and personalities. Finding a gift that everyone will love may be tricky.

On the other hand, attempting to buy personalised gifts will require more time and effort. These gifts, however, are typically far more meaningful or useful. Consider each groomsman’s interests and set about finding the right present for them.

Ultimately, the decision is in your hands so do what you feel is best for you and your groomsmen. If you all have similar interests, a uniform gift shouldn’t be an issue. If you’re a diverse bunch, maybe consider going down the personalised route.

How to personalise your gifts

One thing you will notice is that when it comes to groomsmen gifts, personalised inscriptions and prints are all the rage. Whether it’s the person’s name, initials or even a special message, they’re a great way to make your gift memorable.

When it comes to personalising your gifts though, there are a couple of things to keep in mind.

Firstly, proofread any messages. The last thing you want is an inscription with an error. You’ll be hearing about that for years.

Secondly, don’t make it about yourself. Personalise the gift with the recipient’s name or initials rather than with details of your wedding (e.g. your name or date). Not only can it be seen as tacky but people always prefer a gift that’s uniquely theirs.

Groomsmen gifts Australia: ideas across all categories

All men are different. They have different interests and personalities which can make buying gifts for groomsmen Australia an impossible task.

When it comes to groomsmen gifts though, there are some key categories and common gift ideas that will never disappoint.

To make it simple for you, we’ve come up with six different gift categories. Under each, we’ve listed some great gift ideas. There will almost certainly be something for all the groomsmen in your life.

Let’s get into it.

The classics

The tried and true gifts. Groomsmen gifts aren’t a new fad, they’ve been around for a while. These gifts are reliable and rarely disappoint:

  • Groomsmen gift packs
  • Pocket knives
  • Wallets
  • Watches
  • Ties

Groomsmen gifts Australia that are perfect for a few drinks

This is arguably the most common category that groomsmen gifts come from. Examples include:

  • Personalised/inscribed flask or beer glass
  • Shot glasses
  • Whisky set
  • Personalised bottle opener or corkscrew

Gifts for your sport or outdoor loving groomsmen

We’ve all got friends who are passionate about their favourite team. Why not get them a gift that recognises this? We’re pretty sure they’ll get more joy out of it than socks or a tie.

  • Tickets to see their favourite team
  • Supporter gear (e.g. a jersey)
  • Camping or fishing gear
  • Golf gear (or equipment for any other sport they play)

The accessories

Keep your groomsmen looking sharp. Gift ideas include:

  • Socks
  • Cufflinks
  • Tie clips
  • Shoes
  • If you’re feeling generous, why not pay for their tux rentals.

Practical groomsmen gifts Australia

Get your groomsmen a gift they can actually use everyday.

  • Phone case
  • Beard trimmer
  • Sunglasses
  • Bags
  • Vouchers (options include clothing, restaurant or even streaming services)

Unique, quirky and creative gift ideas

Throw out the manual and do it your way. While there are plenty of boring, standard gifts you could give to your groomsmen, why not make it memorable?

Some fun, cost-effective and personalised ideas include:

  • Personalised bobbleheads
  • Pool cues
  • Wood carvings
  • Commemorative beer or whisky bottles
  • Beer signs

Groomsmen gifts Australia: do they have to be a physical gift?

Not at all.

While socks, accessories or shot glasses may be great gifts and have their place, a group outing could be the fun, memory-creating alternative.

While it will require some coordination, find an experience the whole group will love. Maybe take the boys to the footy to watch your favourite team. If that’s not your thing then a golf day, a concert, a boys’ trip or even a night at the casino are all options.

Tell them how you feel

This may be a difficult one for a lot of guys but as part of your groomsmen gifts Australia, consider attaching a hand-written card.

Receiving a physical gift is great and sometimes useful, words though can often mean so much more. The message does not need to be long or even that deep. All you need to do is thank them for their efforts and support through the wedding process and touch on your appreciation for them as a person.

Trust us, nobody will dislike this extra touch. If you’re lucky, you might even get a tear or two out of them.

Who pays for the gift?

As the groom, traditionally it’s your responsibility. After all, they are your groomsmen (friends, brothers, etc.).

In addition to your groomsmen, it is typically appropriate to buy gifts for other male participants in your wedding. This could include the ring bearer, usher as well as the father of the groom or bride.

How much should you spend on your groomsmen gifts Australia?

There really is no hard and fast rule. It will likely come down to your budget and how much you’re willing to spend.

As a guide, a simple rule to follow for each groomsmen is to buy gifts worth 10-25% of what the groomsmen has been required to spend on your wedding.

For example, let’s say your groomsmen have spent approximately $300. This could include the costs of your gift, suit hire, hair cuts, new shoes, you get the idea. In this case, you would spend somewhere between $30 to $75 per groomsman. Simple.

As mentioned though, this is a guide rather than a rule. Ultimately, how much you spend is up to you.

Are groomsmen gifts Australia necessary?

Are they strictly necessary? Probably not. You certainly won’t be arrested for not buying gifts for your groomsmen.

However, they are a great way to show your appreciation to the men you are closest to. After all, they’re going to be standing by your side on the biggest day of your life.

If you want to save your money and by-pass the gifts, then you are free to do so. However, think about the time and money that your groomsmen will invest in your wedding. From buying a tux to taking time off work, the costs can be considerable.

A thoughtful, personal gift will never go unappreciated.

When should I purchase my groomsmen gifts Australia?

As early as possible.

While purchasing your groomsmen gifts will typically be one of your final tasks before the big day, don’t fall into the trap of leaving it to the eleventh hour. The last thing you need in the lead up to your wedding is to be scrambling around trying to find and purchase meaningful gifts.

A good rule of thumb is to order no later than three weeks before the big day. Although, some websites will recommend ordering up to two months before.

In any case, try to get it done early. That way, your gifts will arrive on time and can be returned or exchanged if something is amiss.

When to exchange groomsmen gifts Australia?

There really is only one rule when it comes to the gift exchange. Do it some time before the ceremony. Other than that, you are free to do it at the time that suits you best.

Typically, in the run up to your wedding, there will be a few great opportunities to make the presentation. Although, it will depend on your schedule, the gift you are giving as well as when you are all together.

Suggestions include but are not limited to:

The rehearsal dinner

This is arguably the most customary time for the groom to hand out the gifts. The rehearsal dinner is typically a more relaxed and intimate setting. You won’t be rushed and should have plenty of time to acknowledge each groomsmen individually. Take some time with each of them, present the gift and let them know how you appreciate them.

Buck’s party

Have you bought drinking-themed gifts? The buck’s party is the time to hand them out. It sets a great tone for the night while you can actually get some use out of the gifts.

Before the ceremony

The last few hours before you get hitched are usually spent with your groomsmen. You’ll be getting ready, putting on your suit and maybe having a few beers.

This can be the ideal time to make the presentation, especially if the gift is or includes an accessory that can be worn during the wedding. This could include socks, a tie clip or cufflinks.

Wedding shower

A final possible option could be if you are having a wedding or couple’s shower. While your groomsmen may be (understandably) reluctant to attend. It can be a great opportunity to get together as a group.

Groomsmen gifts Australia Afterpay

Weddings are expensive. In fact, the average Australian wedding costs upwards of $50,000!!

With the considerable costs that come along with getting married, you might not have the cash on hand in the short-term to cover your gifts. Luckily, some retailers may offer options like Afterpay or lay-by allowing your to spread the costs out over a long period. This can be a great option if you’re starting to feel the pre-wedding pinch.

However, Monzi cannot say with certainty if these options will be offered to you, it will simply come down to the retailer you are dealing with.

To give you an idea of how much you can afford to spend, tools like the ASIC’s Moneysmart budget planner make it easy. You can enter and categorise your expenses giving you a clear picture of where your money’s going.

Should I get a better gift for my best man?

It’s up to you.

If you are getting each of your groomsmen the same gift then obviously they won’t receive a better gift.

Alternatively, if you are buying personalised gifts then there may be an opportunity for you to purchase them a gift that reflects the fact that you have chosen them to be your best man. While it may only be slightly more expensive, it may be more meaningful and special.

Be careful though, if you go all out and buy something significantly better for your best man, others may be jealous.

Ultimately though, the decision is yours. While there are guides and traditions you could adhere to when purchasing your gifts, there are no hard and fast rules. You’re free to buy the presents you wish to buy.

Do it your way

More than almost any other event, weddings are steeped in tradition. While social conformity and doing things the way they are expected to be done is admirable, remember that it is the one day that is about you.

You are free to go about things in whatever way you choose. This not only relates to groomsmen gifts but to the ceremony, presents, guests and the reception as well.

The day is about you so do it in a way that makes you happy. Think long and hard about what you want the day to be and then bring your vision to life.

Most importantly though, enjoy it!! Have fun and make it a memory you will never forget.

More Monzi Blog

Find more Monzi blogs for helpful tips, tricks and recommendations. For example, consider our guide on the best streaming services. Otherwise, why not check out our article on the price of Bitcoin.

Bitcoin Price – How People Use Bitcoin To Make Money

Bitcoin Price

Bitcoin and other virtual currencies are taking the world by storm. Keen to invest? Monzi has put together a comprehensive guide of everything you need to know about Bitcoin, from the Bitcoin price to how to buy. We’ve got you covered.

Monzi is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Bitcoin Price

Bitcoin: an introduction

While Bitcoin probably rings a bell for most people, the world of virtual currencies typically remains a mystery.

In simple terms, Bitcoin is a virtual currency that enables peer-to-peer transactions online. In other words, it’s essentially online cash that allows you to make payments directly to other users.

Realistically, Bitcoin is a complex virtual currency that would take hours to explain. In any case, unless you’re an IT wizard with an understanding of Blockchain (you don’t need to know this), this explanation would likely make no sense.

So, we’re going to simplify things for you. We’ll do our best to give you a comprehensive yet accessible breakdown explaining all you need to know.

Let’s begin.

Bitcoin: a brief history

Launched as the first virtual currency in January 2009, Bitcoin has undergone rapid growth. While people were initially skeptical, the growing acceptance over time has seen some businesses adopt Bitcoin options to complement traditional payment methods.

Bitcoin’s initial premise was to break away from relying on a central authority (e.g. banks, an economy). Instead, cryptography controls bitcoin, its creation and its management.

In terms of price, one bitcoin was initially worth only a fraction of a cent. By December 2017, Bitcoin peaked with a price of one Bitcoin in AUD equal to just over $26,000, however, prices have dropped since.

How does Bitcoin work?

Rather than getting into the finer details of how Bitcoin works on a technical level, we’ll instead focus on how it works for you. If you are interested in Blockchain and more of the behind the scenes details, there are plenty of other great resources online that can help.

In any case, how does bitcoin work?

Essentially, it operates exactly like cash, except that it’s online. Via a mobile app or computer program, users can access their Bitcoin wallet from which they can send or receive coins (or fractions of coins).

That’s really all there is to it.

Who controls Bitcoin price?

In simple terms, coin owners control bitcoin. Users retain the right to make transactions where they see fit and there are no restrictions on this.

In addition to this, there is no organisation in charge of making the rules or setting the value. Instead, market supply and demand determines the price of one Bitcoin in AUD.

This freedom and absence of structure are two of the key selling points for Bitcoin advocates.

Is Bitcoin useful?


Bitcoin is far from a gimmick. In fact, there are an increasing number of businesses and individuals who are willing to accept Bitcoin as payment. This isn’t limited to online businesses either. Some restaurants and major retailers have begun to accept Bitcoin as payment.

Overall, Bitcoin value worldwide exceeds $100 billion. Not only that, people exchange millions of dollars of Bitcoins each day.

Bitcoin price: how do I buy one?

Typically, people acquire Bitcoins in one of three ways:

  • Buying bitcoins through an online exchange. You can trade a bitcoin for cash just like any other product.
  • Selling a product and receiving bitcoin in return as an alternative to cash.
  • Bitcoin mining: This requires some explanation.

Bitcoin mining: create your own

Realistically, bitcoin mining isn’t something you will need to know about. For the average person, bitcoins are acquired through buying or selling. However, bitcoin mining is fascinating, so we thought we’d explain it.

In order for Bitcoin system to operate, some people must make their computers process transactions for everyone.

In order to process these transactions, computers must solve insanely difficult maths problems (there are 64-digit numbers involved). Sometimes, when these problems are solved, the computer’s owner is rewarded with a bitcoin.

Given the limited supply of bitcoins, these sums increase in difficulty over time to ensure there aren’t too many coins being generated.

To put in context just how difficult bitcoin mining is, the chance of solving the problem on a single try is 1 in 13 trillion. That’s over 40,000 times more unlikely than winning the lottery. In other words, you’ll probably need more than a Macbook.

Bitcoin price: do I have to buy a whole bitcoin?


It’s possible to buy Bitcoins in fractions. In fact, you can divide one bitcoin into 100 million pieces!!

That means no matter how much cash you have to invest, some portion of a Bitcoin will almost certainly be affordable for you.

Whether it’s a good idea to buy $1 worth of Bitcoin is a different story, although it is possible should you choose to.

Advantages of Bitcoin

As a wholly online currency, Bitcoin brings with it a number of advantages. If you’re thinking of investing, consider the following:

Bitcoin price: anywhere, anytime

Bitcoin brings freedom. You can send or receive payments from anywhere in the world, at any time of day. There’s no need to wait for banks or business hours, you retain total control. Not only that, payments can be confirmed in the blink of an eye whereas international wire transfers can take days.

Cheap transactions

Sending and receiving bitcoins is free. If you go through an exchange to purchase Bitcoins initially, you may encounter deposit, withdrawal or purchase fees. These fees are typically minimal and less than those charged by banks or credit card networks.

Simple to set-up

You can buy bitcoin in any country, at any time. All you need is a Bitcoin wallet. There is also no need to prove your identity like you would have to with a bank.


Bitcoin transaction can be process without personal details. As such, risk of identity theft can be eliminated. In addition to this, coins may be stored offline to protect against the threat of hacking.

It’s neutral

There is no controlling body in charge of maintaining Bitcoin. Instead, the control of Bitcoin is in the hands of its users. As such, there’s no need to worry about changes in policy or protocol which could adversely affect ownership.

Bitcoin Australia: what are the laws?

Bitcoin, virtual currencies and their related exchanges are all legal in Australia. In fact, Australia has adopted a highly progressive attitude towards Bitcoin.

While it is perfectly legal to buy and sell Bitcoin in Australia, there are tax implications to be aware of. Bitcoins are classified as property under Australian tax laws. As such, they are subject to Capital Gains Tax.

For more information on laws regarding Bitcoin and taxation in Australia, visit the Australian Taxation Office website.

The Bitcoin price: what’s its value?

Like with any currency, Bitcoin has a price. A value that tells you the equivalent cost of one bitcoin in relation to your currency of choice. A simple Google search will bring up plenty of websites that let you track the Bitcoin live price.

If you’re from Australia, the Bitcoin to AUD price will be most relevant. Although, Bitcoin to USD is standard.

As an example, you might see the Bitcoin price at $10,000 AUD. That means it will cost you $10,000 AUD to buy one bitcoin. Simple, right?

What determines the Bitcoin price?

Like with most currencies, it’s about supply and demand. When demand for Bitcoin increases, so too does the price. Similarly, when demand decreases, the price will too.

Interestingly, there is a limit on Bitcoin supply. The number of Bitcoins is capped at 21 million and new Bitcoins are created at a predictable and decreasing rate.

Given the relatively small market and limited supply, Bitcoin is extremely sensitive to changes in demand. As a result, the price often fluctuates. In other words, it doesn’t take much to move the price up or down.

Why do people buy Bitcoin?

When most people learn about Bitcoin, typically, they want to know why they might need it.

Put simply, Bitcoin is an easy way to transfer money online. Rather than dealing with banks, exchange rates, brokers or a host of other red tape, Bitcoin provides a cheaper and faster alternative method of making payments.

Bitcoin, in essence, cuts out the middleman. You can transact directly with another party thereby increasing efficiency and eliminating any fees or costs that could be involved using traditional means.

But that’s not all, other reasons for buying Bitcoin include:

Bitcoin price speculation

Speculation is a risky finance strategy that involves buying or selling based on your expectations of price movements.

In other words, if you expect the price of the currency, in this case Bitcoin, to increase in the near future, you would buy the currency now. After the price increase, you would sell the currency to earn a profit.

Similarly, if you expect the Bitcoin value to decrease, you would sell the currency now. Following the price decrease, you may opt to buy again at a lower price.

Speculation, however, comes with significant risk. Bitcoin is, in a word, volatile. Prices fluctuate daily and with little predictability. In other words, the Bitcoin price today likely won’t be the Bitcoin price tomorrow.

Making profit from speculation relies on your projections of future prices being correct. If prices move in unexpected ways, speculation can produce significant losses.

Diversifying and the Bitcoin price

Don’t put all your eggs in one basket.

Investing in Bitcoin may be an alternative to buying traditional currencies, shares or securities. In order to diversify, Bitcoin would make up a portion of the investor’s portfolio.

What are some of the issues with Bitcoin?

While Bitcoin can provide a simple, cheap and convenient alternative to traditional cash payments, there are some downsides. These include:

It won’t be accepted by everyone

Bitcoin is still a relative unknown to most people. While they recognise the name, often there is a lack of understanding about what it is and what it can be used for. As such, there is still a limited number of vendors willing to accept bitcoin as payment.

Although, there is reason for optimism. More and more businesses are adding bitcoin options each day. Slowly but surely, the network is growing.

Bitcoin price volatility

While you may buy one bitcoin today for $10,000, there’s no guarantee it will be worth that much tomorrow. The small market and limited supply means that the price is sensitive to relatively small transactions or changes in demand. If you’re someone who values stability or shies away from uncertainty, Bitcoin might not be for you.

It’s still developing

At this point, Bitcoin is still an unknown. The world has never seen anything like Bitcoin which makes it difficult to project where it might be heading. New features, tools and services are constantly under development aimed at increasing accessibility and security. In other words, Bitcoin is still a work in progress.

Transactions are final

Once you submit a transaction, there’s no going back. Transactions cannot be reversed and there’s no way to recover funds if you’ve made a mistake. As a result, ensure you double-check every transaction before you submit it.

How to buy bitcoin: finding the right exchange

If you’re keen to become a bitcoin trader, your first step will obviously be to buy bitcoins. The easiest way to do this through a Bitcoin Exchange.

An exchange is simply a digital marketplace where investors can buy (or sell) bitcoins using conventional money.

As Bitcoin and other virtual currencies have increased in popularity, so too have the number of exchanges. To help you decide which exchange is right for you, consider the following:

The exchange location and regulations

While Australia has been proactive in regulating digital currency exchanges, the same can’t be said for all countries. Find out where the exchange is based before signing up and take a look at the regulations of that country. Ensure the exchange complies with their regulations.


What security features are offered? This may include two-factor login authentication or encryption types.

Do your research to ensure the platform has never been hacked or linked to any kind of suspicious activity. In other words, confirm that it’s all above board.

Bitcoin price and fees

If you’re using an exchange, your transactions (i.e buying or selling) will incur a fee. In addition, some exchanges may add deposit or withdrawal charges. Before getting started, compare fees and rates to find the best deal.

Transaction limits

Some exchanges may apply a minimum or maximum limit on purchases, deposits or withdrawals. Policies will vary among exchanges though, so be aware. Ensure you read the fine print.

Reputation and customer service

Check out the reviews of previous users. What were their experiences like? Are they positive or were there issues? This will give you the best guide as to the quality of the platform.

Customer service and willingness to assist is crucial too, should you encounter any issues. Ensure their contact details are provided and that they are contactable and responsive in the event that something goes wrong.

Storing Bitcoins

Before you buy your bitcoins, you’re going to need somewhere to store them. You’ll need a “bitcoin wallet”.

Essentially, a bitcoin wallet is a software program that stores your bitcoins. Although, to be technically accurate, the wallet doesn’t store the coin, it instead stores the private key, unique to the Bitcoin that tracks ownership and allows it to be spent.

In most cases, Bitcoins wallets store your information offline. That way, you are protected against malware, cyber hacks or threats that come with online storage.

Online storage is available too via web or mobile. These “hot wallets” are connected to the internet and come with the benefit that payments and withdrawals can be made instantly. The obvious downside is that they are less secure as online storage increases vulnerability to hacking.

Considerations may include:

  • Security
  • Offline or online
  • Transparency
  • User experience
  • Are they reputable and high-quality?

Tracking the Bitcoin price

There’s no shortage of bitcoin news. Nearly everyday there’s a new story about bitcoins, where they’re going, how they’re travelling, what they could become. Put simply, it’s easy to stay up-to-date.

There are also a number of free, high-quality apps that allow your to track the current bitcoin price in real time via a Bitcoin price chart. You’ll never be short on information meaning as long as you do your research, you’ll always be able to make an informed decision when it comes to buying or selling.

What happens if I lose my Bitcoin?

The problem with Bitcoin compared to cash or banked funds is that unfortunately they can be lost.

Bitcoins comes with a private key and a recovery seed. The private key gives you access to your bitcoin. The recovery seed is a string of words that stores the information needed to back-up a wallet.

If you lose both of these, your bitcoin will be lost.

Similarly, if you store your bitcoins on an offline device (e.g. external hard drive or USB) and the device gets misplaced, they will be unrecoverable.

Buy Bitcoin Australia: wrapping up

While we’ve provided you with plenty of information, there’s still so much more out there. Bitcoin is a volatile, potentially high-risk, virtual currency. While it can make transactions simple and convenient, it can also produce significant losses.

As always, before making any financial decision, do your research. Ensure you have a clear idea of your financial situation and know how much you can afford to invest. At the end of the day, you must decide what is right for you.

More Monzi

Keen to stay on top of finance news? Get the low down on saving money at tax time. Or, for the sporting nuts out there, learn about the Rugby World Cup.

Wedding coming up? We have a blog on buying the perfect groomsmen gift.

Disney Plus – Monzi’s Complete Guide

Disney Plus is the newest player in the digital streaming marketplace. Keen to subscribe but not sure what’s on offer? Monzi has put together a complete guide covering all you need to know. Let’s go!

Disney Plus Castle

What is Disney Plus?

Ask someone for their favourite childhood movie and there’s a good chance their answer will be a Disney movie. The Lion King, Aladdin, The Jungle Book and a host of others are childhood staples that are universally beloved.

Almost from birth, children around the world are introduced to the magic of Disney. Up until now though, there’s been no way to access all their movies in one place. That’s where Disney Plus comes in.

Disney Plus is Disney’s new digital streaming service. You can watch your favourite Disney shows and movies, on-demand across a range of different devices.

It’s not just for kids however. Disney Plus combines all your favourite Disney classics with a range of original series, National Geographic documentaries and recent Hollywood blockbusters. In other words, it’s perfect for all ages.

Disney Plus: how did we get here?

Disney Plus was inevitable. As the single largest entertainment company in the world, possessing an unending supply of movies and TV shows, Disney was never going to be content with sitting back and watching.

While Netflix has always been the dominant force, the market for online streaming has exploded and competition is increasing. Worldwide, the digital streaming marketplace is expected to be worth an estimated $125 billion USD by 2025. Disney Plus is simply Disney’s attempt to get a slice of the pie.

While it has been a few years in the making, it’s now here. Supplementing it’s already considerable back-catalogue with acquisitions of Pixar, LucasFilm, Marvel Studios and Fox over the last two decades, Disney Plus is able to offer something for everyone.

Disney Plus Australia release date

The good news is that Disney Plus has already been released in Australia. You can subscribe right now and begin watching your favourite movies and TV shows.

While the grand launch and initial Disney plus release date occurred on the 12th of November in the USA, Canada and the Netherlands, Australia was next on the list. Disney Plus launched in Australia and New Zealand on the 19th of November.

As you’d expect, the launch was a raging success. In the USA alone, more than 10 million subscribers signed up within the first week. While it remains to be seen if Disney Plus can maintain its subscribers over the long term, there’s no doubt Disney succeeded in creating significant initial excitement.

Disney Plus price

When you sign-up, you will receive a seven-day free trial. After that, Disney Plus will set you back $8.99 per month or $89.99 for a year.

While the Disney Plus Australia cost is similar to both Netflix and Stan, there is one key difference.

Every feature is included in the Disney Plus Australia price. You can stream simultaneously on up to four devices and watch in HD and 4K Ultra HD. You can also download your favourite shows giving you the option to watch offline. With Disney Plus, there are no price-tiers or premium subscriptions, it’s simply one-size fits all.

By comparison, a basic Netflix or Stan subscription offered at a similar price allows streaming on only one device with no 4K streaming options. In order to unlock the additional features, users must subscribe to Standard or Premium packages.

This is one way that Disney has been able to separate itself in the marketplace.

Disney Plus: what can I watch?

Unlike Netflix and Stan, Disney’s content is limited to only what it owns. This sounds like a deal breaker, but trust us, it’s not. While most companies couldn’t pull this off, Disney is the exception.

Disney’s collection of content is vast. Not only do they have a back-catalogue of films dating back almost 100 years, they own almost every film ever made by Pixar, Lucasfilm (Star Wars), Marvel Studios and Fox.

All-in-all, Disney Plus provides access to over 600 movies and 7000 television episodes.

Not only that, Disney has committed to creating a range of original movies and TV shows for you to enjoy.

Put simply, there will always be something for you to watch.

Disney Plus features

To complement its wide-range of content, Disney has designed a simple and easy-to-use service packed with a number of handy features. While it’s by no means a game-changer, it’s got everything you need.

Key features include:

A user-friendly interface

If you’ve subscribed to Netflix or Stan in the past, navigating Disney Plus shouldn’t be an issue. Content is laid out in a straightforward manner and it is separated into categories making it easy to find what you’re looking for.

Up to four profiles

You can create up to four profiles allowing everyone the freedom to create their own watchlist and keep track of their favourite content. Not only that, you can stream on all four profiles simultaneously across different devices.

You also have the option to set your favourite Disney character as your profile picture. Whether it’s Darth Vader, Elsa from Frozen or Aladdin, you can personalise your profile.

Download your favourite shows: watch offline

If you’re on the go and don’t want to use your mobile data, Disney Plus has you covered. You can download your favourite TV shows and movies onto your device to watch whenever and wherever you like.

4K ultra HD streaming

Disney Plus offers 4K ultra HD streaming. You can watch your favourite movies and TV shows in the highest quality available.

Do keep in mind though that not all content is available to stream in 4K. This will typically be limited to more recent releases.

What devices can I use to stream Disney Plus?

As with most streaming services, Disney Plus can be accessed on a range of different platforms. You can stream using whatever device suits you best.

Options include:

  • Laptops and desktop computers
  • iOS (iPad and iPhone)
  • Apple TV
  • Android devices (phones and tablets)
  • Chromecast
  • Smart TVs
  • Xbox One
  • PlayStation 4

Disney Plus content is here to stay

Given that Disney owns all the content available on its platform, there’s no need to worry about anything disappearing. Movies and TV shows that are available now, will almost certainly be available in the future.

If you’ve ever subscribed to Netflix, Stan or any other streaming service, you’ll notice that content is often turned-over regularly. Movies and TV shows may be offered for a period of months or years before being removed.

This is due to third-party licencing. Put simply, streaming services will buy the rights to offer content for a limited time. Should the licence expire, the content will be removed from the service.

Obviously, with Disney Plus there are no such concerns. As Disney own all their own content, there is no need for third-party agreements.

There’s more to come

While there’s plenty to watch right now, Disney Plus is far from complete. Over the coming months and years a number of movies and TV shows will be added. Why?

Well, it has to do with third-party licencing agreements. Currently, Disney has a number of pre-existing arrangements in place with various streaming services, allowing these services to offer Disney’s content.

As a result, Disney is unable to offer this content until these agreements expire or lapse. Over the coming years as these agreements expire, Disney will slowly but surely add more content to Disney Plus giving you more to enjoy.

How do I subscribe?

Joining Disney Plus in Australia is as easy as it gets. From start to finish, it will take just a few minutes.

To begin, head to the Disney Plus website and create an account. You’ll need to provide an email address, a few personal details as well as a credit or debit card.

Given all new customers receive a free seven-day trial, you will not be charged for your subscription until your trial is complete.

If, during the seven day period, you decide Disney Plus isn’t right for you, ensure you cancel your subscription. You will be charged the subscription fee if you fail to cancel your subscription prior to the trial ending.

Is Disney Plus available worldwide?

Not yet.

In Australia, we’re part of the lucky few able to access Disney Plus today. Currently, just five countries have access: Australia and New Zealand, the USA, Canada and curiously, the Netherlands.

Over time, the service will be progressively rolled out around the world, although it is estimated that this will take up to two years. The next stage of the rollout involves France, Italy, Spain and the UK in March 2020.

Is Disney Plus just for kids?

Not at all.

Firstly, you’re never too old to enjoy a Disney film. Whether you are five, fifteen or fifty, a classic is still a classic.

Secondly, Disney Plus’ range of content goes so far beyond just children’s content. While it will undoubtedly be a godsend for parents of young children, there will be something for you no matter your age.

To illustrate the range of content on offer, we’ve put together a guide of what you can watch. See below.

Disney favourites

Get ready to re-live your childhood. Disney Plus is home to so many of your all-time favourites with plenty more on the way. These films provide the base upon which the service is built, the undeniable classics. Highlights include:

  • The Lion King (original and re-make)
  • The Little Mermaid
  • Beauty and the Beast
  • Frozen
  • Moana
  • Tangled
  • The Jungle Book

The best of Pixar

Pixar was acquired by Disney in 2006 for approximately $7.4 billion. With it, came the rights to some of the most successful animated films of all-time. Between them Pixar’s films have won 19 Academy Awards and 8 Golden Globes. Now, 13 years later, you can stream them on Disney Plus.

Some of the best include:

  • Toy Story 1, 2 and 3
  • The Incredibles + The Incredibles 2
  • Monsters Inc.
  • Finding Nemo

Disney Plus Marvel shows and movies

To say that Disney’s $4.24 billion acquisition of Marvel Entertainment was a bargain is a monumental understatement. In the 10 years following the deal, Disney has netted close to $20 billion on the back of box-office juggernauts including Iron Man, Captain America and The Avengers.

Disney Plus brings your favourite Marvel titles into the one place. You can stream Iron Man, Thor, Captain America or the Avengers at your leisure.

There are also original Marvel shows on the way too. Keep an eye out in 2020 and 2021 for titles including Hawkeye, She Hulk and Ms Marvel.

Star Wars

Disney Plus makes it possible to watch your favourite films based in a galaxy far, far away. The rights to the Star Wars franchise was purchased by Disney through its 2012 acquisition of Lucasfilm. Disney Plus gives you access to the complete Star Wars series, episodes one to seven, as well as recent hits Rogue One and Solo.

Original content: Disney Plus shows and movies

As you’d expect with the world’s largest entertainment company, there are no half-measures or short-cuts. Disney has poured significant resources into creating a range of original content to not only provide a unique selling point but to match their main competitor, Netflix, too.

The main drawcard is undoubtedly “The Mandalorian”, a live-action series, set in the Star Wars universe. If you love Star Wars, Disney Plus is a no-brainer.

Alternatively, if Star Wars isn’t your thing, that’s OK too. Maybe check out the re-imagined High School Musical TV series or the “Lady and the Tramp” live-action remake.

One interesting thing to note is that unlike Netflix, Disney Plus has opted to release its TV originals one episode at a time. A curious strategy given the on-demand nature of the society we live in.

Disney Channel favourites

While this won’t appeal to everyone, there are a range of Disney Channel TV classics that will transport 90’s and 00’s kids straight back to their childhood. Catch up on “Kim Possible”, “Hannah Montana” or “Phineas and Ferb” among a host of others.

National Geographic

This probably seems out of place. In any case, National Geographic came to be owned by Disney through its acquisition of Fox Studios. You can stream fascinating documentaries covering animals, nature and people. If nothing else, it’s a nice change of pace after you’ve been binge watching movies for a week.

A few other Disney Plus highlights

While we’ve covered most of what’s available, there are a few other notable yet miscellaneous movies and TV series worth mentioning.

  • The Home Alone series
  • Remember the Titans
  • The Parent Trap
  • The Princess Diaries
  • The Chronicles of Narnia
  • The Simpsons (29 Seasons!!!)

How do I compare Disney Plus to its competitors?

The digital streaming marketplace is highly competitive. With so many choices, it can be tricky to decide which one is right for you.

While you could subscribe to them all, this can get expensive. Not only that, how much content do you really need?

For most people, one to two monthly subscriptions will be enough.

In order to compare streaming services, consider a few of the following factors:

  • Price
  • Content (TV shows + movies, range of original content, compatibility with your interests)
  • Features: Can you stream offline? What streaming quality is available?
  • Subscription options: are there price tiers? Which subscription and its associated features works best for you?
  • Free trials
  • Ease of use, app quality and user interface: is it simple to use?

Are there ads on Disney Plus?


As with Netflix, Stan and Amazon Prime, when you subscribe you get to watch ad-free. That means there will be no interruptions while you watch your favourite movies and TV shows.

Who should subscribe to Disney Plus?

While Disney Plus may be for everyone, there are three particular categories of people who should consider signing up.

  • Parents of young children: this is a no-brainer. You get access to a ton of the greatest children’s movies of all-time so you can keep the kids entertained for weeks.
  • Sci-fi lovers: Star Wars and the Marvel Comic Universe in one place. How could you beat that?
  • Disney fanatics: If you love Disney, you’ll love Disney Plus. It really is that simple. Watch your favourite Disney titles from the last 90 years!

Disney Plus: is it right for me?

At the end of the day, it’s up to you. If, based on your interests, you feel that Disney Plus is right for you, go ahead and subscribe. There’s plenty to watch so we’re sure you won’t be disappointed.

Descend into the depths of nostalgia by watching your favourite childhood classics, learn more about nature watching a National Geographic documentary, catch-up on the most recent Hollywood blockbusters or discover an original series.

Before getting started though, make sure it fits your budget. Subscription-based services are fast becoming part of everyone’s budget but they must still be affordable for you. For more information, the ASIC’s Moneysmart website provides a handy breakdown of how Aussies spend their money.

In any case, paying by the month means you’re not locked in. Keep your subscription for a month, a year or however long you please. It’s in your hands.

Holiday In Australia – The Best Regional Destinations

man with suitcase on holiday in Australia

Holiday in Australia – Monzi investigates the best regional holiday destinations in the country. The outback is calling. Start exploring today!

man with suitcase  on holiday in Australia

Holiday in Australia: the best regional destinations Australia has to offer

Tourists from all over the world holiday in Australia, in particular, it’s interior. If you’ve done your research then it’s not hard to see why. After all, outback Australia boasts some of the most breathtaking, beautiful, quirky and outright weird people, places and sights in the world.

What is difficult to understand, however, is why don’t more Aussies check out what the outback has to offer? Not only are they cheap holiday destinations in Australia, but your tourism dollars will go a long way to boosting some of these outback towns’ struggling economies.

To give you some inspiration, we’ll go through a few of the best holiday destinations in regional Australia.

Coober Pedy

Where: Northern South Australia

Population: Approx. 1,762

Nearest city: Alice Springs (688 km to the north); Adelaide (846 km to the south)

How to get there: Fly, drive, train or bus.

The red-dust drive into Coober Pedy conjures up many things in one’s mind; from a post-apocalyptic wasteland to a martian landscape. Whatever this town makes you feel, you can be sure Coober Pedy rips you straight from your suburban comfort zone and smacks you straight into one of the strangest towns in Australia.

Widely regarded as the opal capital of the world, Coober Pedy is essentially one big mine. In fact, many of the town’s buildings and residences are burrowed beneath the ground. Colloquially known as ‘dugouts’, these dwellings offer the perfect, if not unique, way to escape the oppressive desert heat.

So, what is there to do in the town? Obviously, the many opal mine shafts that are dotted in and around the town are a curiosity worth seeing. Be aware, however, that Coober Pedy is still a working mining town. Therefore, it may be best to get some advice from the locals as to which shafts are currently disused and worth visiting.

After you see where opals begin, why not purchase an end-product? One of the town’s many jewellers are sure to look after you with the quintessential outback hospitality.

If you’re a movie buff then check out the Mad Max Museum. If the thought of dusty cars and memorabilia from the movie excites you, you should head to the museum as soon as you drop your bags off at your underground hotel.

In short, if you’re looking for something a little different, Coober Pedy has to be one of the weirdest and most wonderful holiday destinations in Australia.


Where: Central western Queensland

Population: Approx. 2,970

Nearest city: Brisbane (1,181 km to the south-east); Rockhampton (687 km to the east).

How to get there: Fly, drive, train or bus.

Longreach is affectionately known as the heart of outback Queensland. This is both cultural and geographical, with the town being almost smack-bang in the middle of the state. The town’s name comes not from its relative isolation from other major settlements, but it’s placement on the “long reach” of the Thomson River.

A visit to Longreach is like having the most quintessential outback tropes condensed into one town; stockmen, shearers, blood-red sunsets and never-ending skies. In short, there’s no shortage of things to see and do within the town.

The Stockman’s Hall of Fame is perhaps the town’s most famous attraction. Indeed, the Hall of Fame is potentially the premier institution celebrating outback heritage. Visitors can meander through the different displays and get a sense of the outback’s rich history – a history often forgotten by the city.

Did you know that Qantas is the third oldest airline in the world? Moreover, did you know that Longreach was the headquarters of the historic airline from 1921 to 1930? If not, the Qantas Founders Outback Museum is the place for you. Not only can you marvel at a full-scale replica of the airline’s first aircraft, but visitors are also given the opportunity to walk the wingspan of a Boeing 747.

Finally, for a hands-on experience of the old outback life, jump on board a Cobb and Co stagecoach ride through the town’s scrubland. While it is by no means the most comfortable ride of all time, the ride allows you to enjoy the sensation (bumps and all) of the bush’s original 4×4.

Flinders Ranges

Where: South Australia

Population: N/A

Nearest city: Adelaide (approx. 200 km to the south)

How to get there: Drive from Adelaide

In many ways, a holiday in the Flinders Ranges provides the best of what Australia has to offer; natural beauty tempered by state-of-the-art comforts.

Visitors can spend their days exploring the rugged and almost alien landscape and then return to the unparalleled luxury of an eco-resort. Or, you can keep your feet firmly grounded and sleep underneath the stars – it’s all up to you.

Driving through the ranges quickly instils a sense of scale. This is not just physical, as the rocky cliffs tower above you, but a sense of time; estimates of the formation of the ranges date back to 800 million years ago.

The age, history and deep significance of the ranges are best appreciated with an Aboriginal guide. Not only will you have the chance to study ancient Indigenous rock art, but also learn about the area’s bush tucker.

For something less traditional, jump on board the Pichi Richi Railway line. The Pichi Richi Railway Preservation Society runs restored steam and diesel trains from deep in the region’s past. In fact, the strip of track between Quorn and Port Augusta is the last remaining portion of the Old Ghan line still in use.

Finally, for the adventurous types among you, why not consider a tour with the most experienced camel trekking company in Australia? In fact, you can choose anything from a day trip to a 3 to 15 day extended trek.


Where: The Top End

Population: N/A

Nearest city: Darwin (171 km to the northwest)

How to get there: 3 hr drive from Darwin.

Kakadu National Park is massive not only in its scale (nearly half the size of Switzerland) but its significance too – both culturally and environmentally.

Being a strict national park, the camping and accommodation options are centred around four main hubs. Here you can choose to stay in a hotel or cabin or hitch up your tent or caravan for the night. The perfect mix of untamed wilderness and modern amenities make Kakadu one of the best holiday destinations in Australia for families.

Once you’ve set yourself up, you’re free to explore the park. Give yourself plenty of time because there is a lot to see and do.

If you’re a bushwalker then Kakadu’s 20,000 square kilometres of parkland provides plenty of opportunities to get out and about. There are a number of established trails for you to take, ranging from medium through to moderate and difficult.

Waterfalls are another big drawcard for Kakadu, with the park boasting some of the most famous falls in the country. The best part? Visitors are free to swim in many of the pools, weather permitting. Although, just keep an eye out for any crocodiles.

Speaking of crocodiles, it is estimated that over 10,000 crocs call Kakadu home – and that doesn’t include hatchlings. Understandably, this may not be a huge plus for many visitors, but hey – it’s unique, right?


Where: Northern Western Australia

Population: Approx. 5,000

Nearest city: Darwin (884 km to the north-east)

How to get there: Fly or drive

Kununurra is one of those towns that most Aussies have heard of, but probably couldn’t point out on a map. Well, to answer your question, Kununurra lies in the eastern extremity of the Kimberly, just under 40 km from the Northern Territory border.

The town itself may not be one of the major holiday destinations in Australia, as many of the main attractions lie just outside.

Lake Argyle is a man-made freshwater reservoir roughly 19 times the size of Sydney Harbour. Luckily, there are many well-equipped resorts on the lake’s shore. In addition, the Lake Argyle infinity pool lets you spend your sunsets overlooking the water. Speaking of sunsets, we can’t recommend enough taking a sunset cruise over the lake. The tranquility of the lake makes it one of the best holiday destinations in Australia for couples.

Roughly 100 km outside of Kununurra lies El Questro Wilderness Park. Originally an immeasurably large cattle station, the owners decided to diversify into tourism – and we are very glad they did. It is reported the park stretches over an area of around 1 million acres, and apparently, parts of the park remain unexplored.

Here are our top destinations and things to do in El Questro Wilderness Park:

  • Waterfalls
  • Hikes and treks
  • Swimming holes and hot springs
  • Towering and ancient gorges
  • Fishing – some locations only accessible via helicopter
  • Jawdropping vistas
  • Enormous rivers
  • Over 100 species of birds and other unique animals and plants

When people ask what our best holiday destinations in Australia are, we often suggest Kununurra and it’s not hard to see why.

Cradle Mountain-Lake St. Clair National Park

Where: Tasmania’s central Highlands

Population: N/A

Nearest city: Hobart (165 km to the south-east)

How to get there: Drive

Tasmania is, unfortunately, all too often forgotten on maps of Australia. Moreover, many mainland Aussies don’t consider Tassie when thinking of the best holiday destinations in Australia.

This is a real shame, as Tasmania offers so many experiences and sights not found on the mainland. Today, we’re going to share one of our favourite destinations on the island: Cradle Mountain-Lake St. Claire National Park.

The park is, obviously, home to Cradle Mountain, one of the most famous destinations in Tasmania. Moreover, the Overland Track is one of the premier bushwalking tracks in Australia, if not the world.

While the park is relatively isolated and away from major population hubs, there are many accommodation options available to visitors.

The lake is abundant with native wildlife including echidnas, wallabies, quolls, wombats, possums, birdlife and of course, the Tasmanian devil. If you’re thinking of wetting a line, trout fishing is permitted in certain months.

Planning your regional holiday

While a regional holiday is never a bad idea, it’s important to know to your budget. That way, you’ll know exactly what you can afford to spend on flights, accommodation, experiences and all the other costs associated with taking a holiday.

To get you started, the ASIC’s free MoneySmart Budget Planner is the place to go. It’s simple, easy-to-use and will categorise your expenses so you can calculate your holiday budget in no time.

Holiday in Australia: FAQs

Is Good Friday a public holiday in Australia?Yes
Is New Year’s Day a public holiday in Australia?Yes
Do I need a passport to fly domestically?You may need to show some photo ID, but you generally do not need your passport.
Is it dangerous to drive in the outback?Australia is generally a very safe place to drive. Being self-sufficient on the road is the main thing you need to concern yourself with. For example, the gap between fuel stations in certain parts of the country may be over 300 km. Finally, be cautious of the wet and dry seasons, especially up north.
Can I call 000 in the outback?Yes; you can call 000 from anywhere in Australia. However, keep in mind, the sheer size of regional Australia may result in delays.

Holiday in Australia: it’s up to you

While we’ve given you a small taste of what regional Australia has to offer, there’s so much more to discover. It doesn’t where you are because there’s sure to be a cracking regional holiday destination just down the road. So, do your research and find the best destination for you.

Best Streaming Service Australia: Monzi Investigates

Sydney Opera House at night cash loans New South Wales

In recent years, the media landscape has changed in a big way. The introduction of television, movie and music streaming platforms has revolutionised the way we access media. Nowadays you can watch what you want, when you want, wherever you want. However, as the market for streaming services grows increasingly diverse, it has become more difficult to decide which streaming service is best for you. Luckily, Monzi has put together a comprehensive guide covering everything you need to know.

Monzi is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

best streaming service

The battle for the best streaming service: the main players

Want access to endless amounts of on-demand, commercial-free movies and TV shows? You’re going to need to subscribe to a streaming service.

For an affordable monthly price, streaming services allow you to access thousands of hours of content across a range of genres. In most cases, they’ll combine original content with a range of classic TV shows and movies as well as a few undiscovered gems.

In Australia, the market for these subscription-based services is dominated by four major players: Netflix, Stan, Foxtel Now and Amazon Prime.

While you may want to subscribe to them all, if you’re on a budget this may not be possible. Realistically, you probably only need one or two subscriptions at a time.

If you are stuck and not sure which one is right for you, we’ve put together a handy guide to help you decide.

Netflix: the popular choice for the best streaming service

While there is plenty of competition, as it stands, Netflix is the top dog in both the Australian and global streaming marketplace.

First launched in Australia in 2015, Netflix quickly established itself as the go-to streaming service for many Aussies. While this is in some ways attributable to the strong brand awareness that Netflix had already established, most notably in the USA, their content really is top notch.

Combining critically acclaimed original content with a host of high-quality TV shows and movies, Netflix has something for everyone. If you’re only looking to subscribe to one service, you can’t go wrong with Netflix.


  • Basic: $8.99 per month (Watch on one screen at a time)
  • Standard: $13.99 per month (Watch on up to two screens at once)
  • Premium: $19.99 (Watch on up to four screens at once)

Key features

  • HD and Ultra HD streaming options available
  • Download your favourite shows so you can watch offline
  • User-friendly interface
  • High-quality, diverse, original and existing content
  • 30 day free trial


If you’re keen to support the local industry, Stan is the one for you. Created through a joint venture between Fairfax Media and Channel Nine, Stan is easily the best Australian streaming service (homegrown that is).

While much of their initial success was generated through acquiring the rights to Breaking Bad and Better Call Saul, Stan has slowly branched out into creating its own original content. Not only that, a partnership with Disney allowed Stan to offer some of the world’s most popular movie titles including the complete Marvel universe.

Overall, Stan is a high-quality, all-around option that will provide you with value for money.


  • Basic: $10 per month (Watch on one screen at a time)
  • Standard: $14 per month (Watch on up to three screens at once)
  • Premium: $17 per month (Watch on up to four screens at once)

Key features

  • HD and Ultra HD streaming options
  • Watch offline: download your favourite shows
  • 30 day free trial
  • Stream on up to four devices at once

Foxtel Now

Foxtel Now was in large part born out of Foxtel’s realisation that the classic pay TV model likely wouldn’t be sustainable into the future. Their move into an on-demand streaming platform signalled a clear shift in strategy.

While it is priced at the top end of the market, Foxtel Now can be tailored to suit your preferences. Content is separated into different packages so you can access the shows, movies, sports or documentaries that you want to watch. Not only that, with a Foxtel Now subscription you can stream Foxtel’s channels live

While Foxtel Now may not be the right choice if you’re on a budget, given that it costs at least twice as much as its competitors, the personalised element is a key point of difference.


Prices start at $25 per month for the essential base pack. From there, you can choose to purchase additional packages to suit your preferences.

  • $29 per month for the sport package
  • $10 per month for the drama pack
  • $20 per month for movies
  • $10 per month to add kids entertainment
  • $10 per month for documentaries.

These packages are optional though. You are able to pick all, one or none depending on you budget. The base pack, however, is non-negotiable.

Key features

  • 10 day free trial
  • Live sport + additional preferred content available. Tailor your package to suit your needs
  • Stream a range of Foxtel’s channels live
  • HD and Ultra HD streaming
  • No installation costs (unlike traditional Foxtel subscription)

Amazon Prime Video: The best streaming service for movies

The final main player in the market is Amazon Prime Video. While Amazon was originally a company focused on e-commerce, over time they’ve diversified into a number of different fields, with media streaming being one of these.

As with its competitors, Amazon provides both existing and original content for you to enjoy. While Amazon Prime has plenty to offer, there’s no doubt their main drawcard and selling point has been the Grand Tour, built off the success of Top Gear.

If you are looking for a point of difference, Prime Video is arguably the best movie streaming service. While it may not offer the same volume of TV shows you’d find on Netflix or Stan, there a ton of great films to entertain films buffs of all ages.

Best of all, it’s clearly the cheapest option, so if you’re saving your pennies, it might be the right choice for you.


  • $6.99 per month which enables you to stream content on up to three screens at one time

Key features

  • Prime Video original television dramas, documentaries and movies
  • HD and Ultra HD streaming options
  • Extensive range of movies available
  • Free 30 day trial

Try before you buy: find the best streaming service for you

One thing you will notice when you sign up is that all four options offer a free trial. Netflix, Stan and Prime Video all offer a free 30 day trial while you can get 10 days of Foxtel Now for free. So, why not take advantage?

Before putting down your hard earned cash, why not try before you buy? While we can list the key features and prices, nothing beats testing it for yourself. If you plan it well, you can get more than three consecutive months of access for nothing.

If you do sign up for a free trial but do not wish to subscribe, remember to cancel. Failing to cancel your subscription by the end of the trial period means you will be charged the monthly fee.

How many subscriptions is too many?

This will depend on your budget.

While subscribing to every possible service would ensure you never run out of things to watch, it might not be the best thing for your financial situation. After all, subscription costs can quickly add up.

If you’re not sure what you can afford to spend each month, making a budget is a great place to start. The ASIC’s Moneysmart Budget Planner is a free online tool that makes creating a budget a breeze. Your expenses are categorised so you’ll know exactly what you can afford to spend.

Finding the best streaming service: the newcomers

The already competitive streaming market is about to get a whole lot more crowded. On the back of the success of services like Netflix and Stan, global entertainment giants Disney and Apple have decided to get involved too.

As you’d expect with two of the world’s largest companies, there are no half-measures. Both companies have invested significant resources into developing a high quality service complete with original content to ensure you’re getting value for money as a consumer.


  • $8.99 per month

Disney is undoubtedly the largest entertainment company in the world. With their extensive back catalogue of content, establishing their own streaming service really was a no-brainer.

In terms of content, Disney+ gives you access to all of their most recent Hollywood blockbusters, iconic childhood classics as well as an exciting range of original shows and movies.

While you’re never too old for a Disney classic, you can guarantee that a Disney+ subscription will be an absolute gift for parents of young children.

Apple TV+

  • $7.99 per month

With the success of Netflix and Prime Video as well as the ever-growing demand for instant streaming options, it really was only a matter of time before Apple threw their hat in the ring.

With its recent launch, Apple TV+ marks Apple’s second foray into the media streaming marketplace, following on from their highly successful Apple Music product.

In terms of content, Apple have taken a quality over quantity approach. Which means if you choose to subscribe, don’t go in expecting to find a library as vast as the one you’d find on Netflix.

Apple instead opted to focus on creating a number of top-notch original series. This includes “The Morning Show” starring Steve Carrell, Reese Witherspoon and Jennifer Aniston as well as “See” starring Jason Momoa.

So, if you’re looking to discover a range of new, never-before seen shows, Apple TV+ could be the choice for you. On the flipside though, if you value diversity and choice, you may need to look elsewhere.

The best streaming service: the networks

With more and more Australians moving away from traditional, commercial television, the existing networks found themselves in a pickle. How could they hold onto their viewership in the face of increasing competition from streaming services?

The solution came in the form of their own, free-to-use streaming services. Rather than sitting down and watching a show when it airs, you can watch on-demand at a time of your choosing.

Do keep in mind though that as these services are free, if you are dealing with one of the commercial networks (i.e. Channel 7,9 or 10), you will encounter ads.

ABC iView

Contrary to what you might expect, the Government broadcaster was actually the first mover in Australian on-demand TV streaming. Launched in 2008, iView is arguably still the high-water mark when it comes to the distribution of network content online.

You can watch live or on-demand so you never miss your favourite ABC shows. Recent episodes are available for 14 days after they air so there’s always plenty of time to catch-up.

SBS On-demand

Sign up for a free account and watch you favourite SBS shows, documentaries, movies and news on-demand. New episodes are available after they air but get in quick as they are only offered for a limited time.

If you’re looking to save money, options like iView and SBS on-demand can be lifesavers. You can access all the content you need while not paying a cent. Obviously though, the range of content you can access will be limited.

7plus and 9Now: the commercial networks

While 7plus and 9Now allow you to watch your favourite network shows live or on-demand, there is one significant drawback, commercial breaks still exist. While we all hate ads, unfortunately, that’s the trade-off that comes with using some free services. In the end, it is a necessary sacrifice if you wish to watch your Channel 7 or 9 shows live or on-demand.

10 All Access

Unlike its network rivals, Channel 10 offers a paid subscription option for those looking to access a range of TV shows. For $10 per month you can subscribe to 10 All Access, through which you can find plenty of Australian and American programs.

The recent acquisition of Channel 10 by American network CBS means they are able to offer access to shows such as Elementary, Survivor and NCIS, ad-free and on-demand.

Alternatively, you can access a range of Channel 10 programming for free through 10Play. This is similar to the products offered by other networks.

Kayo: The best streaming service if you love your sport

If you love your sport, Kayo is simply a must-have. Launched by Foxtel, Kayo brings together all your favourite sports into one place. You can watch games live or on-demand in HD on up to three devices at once.

Content is presented in a simple, easy-to-use layout similar to the other TV streaming services (e.g. Netflix). In addition to live action, there are plenty of documentaries and shows covering all your favourite sports. Put simply, it’s a sports lover’s paradise.

Best of all, given you pay by month, you can subscribe when you need it. For instance, if you’re a rugby league fan and want to watch every game live, you can subscribe to Kayo from March through September. Once the season’s finished you can cancel your subscription so you’re not paying for something you don’t need.

Alternatively, if you are a huge sports fan, you can subscribe year around and be guaranteed there will always be something to watch.


  • Basic package: $25 per month (Up to two devices at once)
  • Premium package: $35 per month (Up to three devices at once)

Which is the best streaming service for music?

Gone are the days of carrying around your music on CDs. At this point, even loading your music onto an iPod seems ancient. These days, music streaming services are all the rage.

For a small monthly fee, you can access just about any song ever recorded. Rather than paying for the whole album, you can download or stream your favourite songs on-demand.

While the music streaming market may not be as competitive as the television market, there are still plenty of services vying for the title of best music streaming service in Australia.

Just as we did with the TV streaming, we’ve put together a handy guide to help you answer the million dollar question. “What is the best music streaming service for me?”

Read on and you’ll have your answer in no time.


What Netflix is to television streaming, Spotify is to music streaming. With over 140 million users worldwide, Spotify revolutised the way music is streamed and accessed. Put simply, it was a game changer.

So what makes Spotify one of the top music streaming services? Well, they helped introduce many of the key features that are now taken for granted.

First of all, Spotify’s extensive catalogue of over 35 million tracks allows you to make playlists to suit your tastes.

Spotify also makes it easy to discover a great range of new music. You can follow your friends to see what they’re listening to or sample one of the many playlists Spotify curated specifically to suit your preferences.

With a subscription, you also have the option to download your favourite playlists and albums. That way, you can listen offline, meaning there’s no need to use your mobile data when you’re on the go.

Overall, Spotify is still the benchmark when it comes to music streaming. It has everything you could ever need.


Spotify subscriptions come in three forms:

  • Student: $5.99 per month. You must be an enrolled student at an accredited college or university in order to be eligible.
  • Individual: $11.99 per month with 30 days free. Streaming available on only one account.
  • Family: $17.99 Stream anywhere on up to 6 devices at once.

The best streaming service that’ll cost you nothing: A free subscription with Spotify

While a paid subscription gives you complete access to Spotify’s full list of features, they do offer a free subscription option too. If that’s something you’re looking for, you’re in luck because it’s undoubtedly the best free music streaming service there is.

If you opt for a free subscription over a paid one, there are a few key differences to keep in mind. First, and most importantly, ads will be included between every few songs.

In addition to this, you will encounter a few restrictions. While you can select your favourite albums or playlists, you cannot play one particular song. Instead you must play the album or playlist and wait until the song comes around, based on the randomised order.

Finally, you can only skip six songs per hour, so choose wisely.

Ultimately, if you can handle these differences, then a free subscription is the way to go. However, the freedom and features that come with a paid subscription are tough to ignore.

Apple Music

As you might expect, Apple Music is Apple’s attempt to fight back against Spotify.

With a huge library of songs, Apple Music matches Spotify in just about every way possible. You’re able to stream on-demand and can download your favourite songs and playlists allowing you to listen offline.

One cool feature you get with Apple Music is the ability to tune into a range of radio stations. Whether you’re into jazz, alternative or rock, it doesn’t matter because you can find a radio station to suit your preferences.

Ultimately, Apple Music and Spotify are both excellent products so you won’t be disappointed either way.


The prices for Apple Music match those for Spotify. One key difference though is that Apple Music offers a three month free trial!!

  • Student: $5.99 per month. You must be an enrolled at an accredited college or university to be eligible.
  • Individual: $11.99 per month. Stream on one device.
  • Family: $17.99 Stream anywhere on up to 6 devices at once.

Tidal: the best streaming service for high-quality audio

As the first artist-owned streaming service, Tidal go about things a little differently. With controlling owners including Jay-Z and Kanye West, Tidal has a number of unique selling points that could make it the right choice for you.

Key to this is the range of exclusive content on offer. While Spotify and Apple Music provide access to tens of millions of songs, the only place you’ll find Jay Z’s music is on Tidal.

Not only that, there is an extensive range of playlists, concert and event live-streaming, interviews and podcasts that you won’t find anywhere else.

Finally, Tidal offer audio quality not found on Spotify or Apple Music. While you will require the more expensive Tidal HiFi subscription, the FLAC and MQA lossless audio formats are an audiophile’s dream. You can listen to your favourite tracks in the quality they were intended to be heard.

Overall, Tidal might be the choice for the true music fans among us. If exclusivity and audio-quality are something you value, you won’t be disappointed.


  • Tidal Premium: $11.99 per month (Free 30 day trial)
  • Tidal HiFi: $23.99 per month (All the features of Tidal Premium with access to high quality audio options)

Amazon Music Unlimited

Like with Prime Video, Amazon Music Unlimited is Amazon’s attempt to capture some of the music streaming marketplace.

With many of the expected features including an extensive catalogue, offline streaming and personalised playlists, Amazon Music Unlimited offers a streaming service that is perfectly adequate.

If you do like the idea of keeping your media subscriptions under the one umbrella, combining a Prime Video subscription with Music Unlimited may be a good plan.

Overall, however, Music Unlimited seems to lack a point of difference (e.g. exclusive content) that would make it desirable over the more established services such as Spotify and Apple Music.


  • $11.99 per month (30 day free trial included)

The best streaming service for you: it’s your call

At the end of the day, each streaming service will offer something a little different. While we’ve tried to give you a comprehensive guide to help you out, it ultimately comes down to what you value.

If you value exclusivity, you may score Tidal higher than Spotify or Apple Music. By the same token, if diversity of content is important to you, you will likely subscribe to Netflix or Stan rather than Prime Video.

Put simply, the choice is yours. Pick wisely and enjoy your streaming.

Access more Monzi

There’s plenty more Monzi out there. Read about anything from the Rugby World Cup to tips on saving money at tax time. Alternatively, read our tips on buying the perfect groomsmen gift.

Simple Hacks To Do Christmas On A Budget

Christmas time is a period filled with fun, friends, family, and food!! While it’s a time for giving, if you’re not careful, Christmas can put a significant dent in your savings. To help you do Christmas on a budget and ensure your spending doesn’t get out of control, we’ve put together a list of the most effective money saving hacks we know. So read on and Monzi will help make managing the Christmas period a breeze.

Monzi is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Man dressed as Santa Claus talking about Christmas budget

Christmas on a budget: where to begin?

If you’re looking to save money this Christmas, creating a budget is a must. In fact, it should always be your first step, any time you’re looking to save money. That way, you can assess your income and expenses so you know how much you can afford to spend.

There are plenty of great online, budget-building resources which make creating your budget a breeze. The ASIC’s MoneySmart Budget Planner is a great place to get started. Your expenses are categorised so you can see exactly where you money is going each month. You might even be able to cut costs to give yourself a few extra dollars to spend this holiday period.

At the end of the day, Christmas is only one day out of 365 in a year. While you may want to make it spectacular, don’t compromise your current financial situation to do so.

Set your limits

Once you have your budget, you’ll know exactly what you can afford to spend. Make sure you stay disciplined and don’t go over budget.

It doesn’t matter what you’re buying. It could be food, drinks or gifts but make sure you set a limit and stick to it!!

Spending a little extra on an item here or there might not seem like much but if you’re not careful, you can find yourself over-budget in no time.

A handy tip is to set a time limit on how long you will spend in the shopping centre. It could be half an hour, an hour or even longer. The idea though is to stop you from being tempted to hang around and buy things you don’t need.

Be selective

This may seem harsh but not every person in your life needs or deserves a gift. While it’s a nice thought and will be appreciated, in most cases, within a few months people won’t remember who did and didn’t buy them a gift. This is even more true for gifts that are generic or unoriginal (E.g. a gift card).

So, don’t spread yourself thin. Instead, only buy presents for the friends and family you see as most important. Only buying presents for a few people means you can spend a little bit more on each of them too. It’s a simple way to do Christmas on a budget.

Ultimately, while it feels good to give people presents, your financial health should always come first. Focus your energy on a few people and save money you otherwise would have spent.

Christmas on a budget: accepting minimalism

While you may want to go all out when it comes to Christmas decorations, there really is no need. Fairy lights, tinsel, knick-knacks and a huge Christmas tree are great in theory but at most, you’ll only get one month’s use out of them so don’t spend too much.

A small Christmas tree will only set you back a few bucks and while it won’t exactly fill a room with Christmas cheer, it does the job. Throw in a few other decorations around the house and you can create a festive feel with limited resources.

Let’s be honest, after the initial excitement of putting everything up, the decorations fade into the background pretty quickly.

Wait for the sales

This will involve some planning and agreements with family and loved ones, but if you’re looking to do Christmas on a budget, delaying your gift exchanges can potentially save you a ton of money.

We all know about the much hyped Boxing Day Sales. In the days following Christmas, shops slash their prices meaning it’s the best time to snag a great deal.

Rather than fighting the crowds in the days before Christmas, take advantage of the sales. You may be able to cut your Christmas spending considerably if you know where to look.

Who said gifts have to be exchanged on the 25th of December? Receiving a gift a few days later is no less special and it will almost certainly save you money.

Create your own traditions: ensuring you can do Christmas on a budget

More than almost any other day of the year, Christmas is a day of tradition and social conformity. Typically, most people spend time with family and friends, eat turkey and Christmas pudding and give gifts. Every year, it’s the same thing.

In most cases, this is all you’ve ever known but why not ask yourself what you really want out of the holiday period.

Realistically, you have control over what you do. If you don’t want to travel, buy gifts or spend time with family, you don’t have to. You’re free to do Christmas your way.

Creating your own Christmas traditions means you can have fun your way while ensuring it fits with your budget. There’s no need to spend money on a turkey or a gift for someone you don’t really care about. Make your own choices.

Share the load

If you’re hosting Christmas and you’ve got the whole family coming around for dinner, make sure you spread out the responsibilities. Just because it’s at your house doesn’t mean you have to provide all the food and beverages.

When you’re in the early stages of planning, make a list of everything you need and assign an item or two to each of the guests that will be attending. For example, maybe Aunty Margaret has to bring the pavlova, while you’re brother is in charge of beer.

Make Christmas a team effort and ensure that the burden doesn’t fall solely on your shoulders. You cut your costs while still hosting a 10/10 Christmas filled with food, family and fun.

Make your own gifts

If you’re willing to put in the time, there are a ton of simple, cheap, DIY gifts that won’t set you back more than a few bucks per present.

If you’re the creative type, why not make your own jewellery or even pick up a basic candle making kit. Maybe you’re skilled enough with a sewing machine to make blankets, pencil cases, purses or clothing. Material is so cheap and you can buy in bulk so presents can be mass produced.

Although, if you, like many of us, don’t possess the creative or artistic gene, that’s OK too. Get into the kitchen and whip up some baked goods or even make some fun I.O.U vouchers in no time.

The great thing about DIY gifts is that people love to feel special and a handmade gift shows that you’ve put in time, effort and thought.

Eliminate gifts

Let’s be honest, as an adult, most of the Christmas gifts you receive are underwhelming. Seriously, how many scented candles, gift cards or socks does a person need?

Most of the time you’d be just as happy with no gift at all. So, rather than simply bowing to the gift-giving tradition, be proactive. In the lead-up to Christmas, discuss with your family the possibility of eliminating presents.

While there may be some pushback, if they agree, you save money on buying presents and don’t have to fake excitement when you open another lacklustre gift from that Aunt you see once a year. It’s a win-win.

Secret Santa

If you’re not quite ready to do away with gifts but still want to do Christmas on a budget, Secret Santa might be the fun alternative for you.

Rather than buying gifts for everyone, you only need to buy for one person so your shopping is done fast.

In the weeks before Christmas, get together with your family or friends and draw names out of a hat. Set a spending limit (usually around $20) and send everyone on their way. Come Christmas day, everyone will have a present and be none-the-wiser as to who their mysterious benefactor is.

To spice things up, have a theme that the gifts must fit or maybe introduce gift-stealing. Referred to as White Elephant among other things, each guest has the opportunity to steal the gift they want. You can find the full rules online but you’re more than welcome to tweak them to suit your family.

It’s a lot of fun and surely nothing encapsulates the Christmas spirit more than seeing the hope disappear from someone’s eyes as you steal a gift they loved.

Kids only

The final gift-giving alternative we can offer you is to only buy presents for the children in your life. While it’s always cool to receive a present, as an adult, there’s no doubt some of the shine has come off the custom.

For kids, though, opening a present is the height of the human experience. Nothing puts a smile on a child’s face like getting to tear through the layers of wrapping paper to uncover the hidden treasure within.

Buying presents just for the kids allows you to save money while still getting the satisfaction that comes with making someone smile. Let’s be honest, as an adult, do you really need presents?

Regifting: a questionable yet effective strategy

The ethics of regifting have long been discussed and while it may be a questionable practice, it can be a handy option if want to do Christmas on a budget. Collect any unwanted gifts or freebies you receive through the year and store them somewhere ready for Christmas.

If you want to become an expert regifter, there are a few tips to be aware of.

First, if you plan to regift a present, always take note of who gave it to you in the first place. That way, you can avoid looking like a total fool by giving someone the present they gave to you in the first place.

Second, ensure the gift has no identifying features or personalised elements. Gifting someone an item that was clearly meant for you is a sure-fire way to get found out.

Third, don’t regift a present nobody wants. If you receive a bad present, get rid of it, don’t pass the problem onto someone else.

Finally, don’t get caught out. While it may be a cost-effective strategy, if you are found to be regifting, you will likely lose face. So be smart about it.

Managing Christmas on a budget: don’t buy what you can’t afford

This tip is at the core of managing your finances and sticking to a budget. While you may have your eye on the perfect gift, if it’s out of your price range, do not over-extend yourself.

At the end of the day, while showing someone you care through a great gift is admirable, it shouldn’t come at the cost of your financial health.

Make sure you shop around though as you may be able to find the item at a better price somewhere else. Maybe even consider buying second-hand. If you’ve exhausted those options though, your best idea is to start saving your pennies and wait until the person’s next birthday or even the following Christmas.

If there is something you just must have and you’ll stop at nothing to acquire it, a personal loan may be a viable strategy to help cover your cash shortfall. Monzi’s lender-finder service makes it convenient to be matched with lenders offering personal loans.

You might be able to get the cash you need today while spreading the costs over the upcoming months.

Hunt down the best deal

This tip is Money Saving 101 and is great advice all year round. Around Christmas though, it takes on extra significance.

In the lead up to the big day, you’ll be buying food, drinks, presents, decorations, toys and the list goes on. With all the money you will be spending, it pays to shop around.

Unless you’re looking for a specific product, most items can be bought from a number of different places. Whether it’s online or in a store, buying an item from the first place you find it is a sure way to cost yourself money.

To make your life easier, if you’re shopping online there are a number of comparison websites out there that can make finding the best deal a breeze.

If you really want to maximise your savings consider shopping at discount chains, avoid brand names or even buy second-hand. Most of the time, you won’t even notice the difference.

Loyalty cards

If you’re a member of a supermarket’s loyalty program, using your points can help you save money on your Christmas food shopping. Exchange your points for gift cards or discounts and you can cut down your food bill quite considerably.

Rather than cashing in your points throughout the year, save them. Once December rolls around, you’ll have a bank of points you can lean on to help make your costs a little bit more manageable. You could even make Christmas a little more extravagant with the money you’ve saved.

Lay-by and Afterpay

Instead of paying the full purchase price when you buy a gift, why not spread the costs to make them easier to manage?

Lay-by and Afterpay provide two convenient payment alternatives that mean buying gifts won’t compromise your budget.

You might be able to receive the item today, while the purchase is divided into a number of regular repayments made over a period of weeks or months.

That way, you can still do Christmas on a budget and afford the gifts that you’ve had your eye on for a while.

Although, keep in mind that Monzi is unable to provide any guarantees and you would have to consult each vendor in regards to their lay-by policy or relationship with Afterpay.

Make some money: Christmas on a budget done differently

Rather than trying to save your money, why not try to make some money? We all have stuff lying around the house that we don’t need or use and could potentially sell for a tidy profit.

A good rule to follow is to ask yourself “have I used this item in the last year?” If the answer is no, there’s a good chance you don’t need it and it’s simply taking up space in your house.

If you’ve only got a few items to offload, Facebook Marketplace is the place to go. You can post ads for free and have people contact you directly. There’s no need to go through third parties and you can negotiate a deal that works for you.

On the other hand, if you’ve been hoarding junk for a while and have a range of items you’d like to move on, a garage sale could be a good idea. Post your flyers around the neighbourhood and let the people come to you. If it all goes to plan, you can make a few hundred dollars for a morning’s work.

Plan your travel early

If you’re looking to get away for Christmas or travelling to see family, booking your tickets early is crucial. The Christmas period is renowned for being the most expensive time of the year to travel and last minute fares can be extortionate.

So, start making your plans now. Through October and November nail down how and where you’re going to spend the Christmas period. As soon as your plans are set, get online and buy your tickets. That way, come December, you won’t have to decide between compromising your budget and seeing your family.

Like with all products, make sure you shop around. There are plenty of great comparison websites out there so you can ensure you get the best possible deal. Compare airlines and flight times to identify the most cost-effective strategy.

Finally, don’t be afraid to travel on a budget airline. While you may need to sacrifice some comfort, at the end of the day, all you’re trying to do is get from A to B. You’ll save money and still get where you need to go.

Christmas on a budget: surviving New Year’s Eve

With Christmas inevitably comes New Year. While the dawn of a new year is something to celebrate, if you’re on a budget it can be tricky to balance fun with financial responsibility.

While we all want to spend a night on the town, if you’re buying dinner, drinks and paying for an Uber, it can be an expensive night. So, why not do things a little differently?

Get together with your friends and come up with a different plan of attack. A great idea is to have a little get-together at your place. Invite a few of your closest friends, divide the food and drink responsibilities up evenly and enjoy the night.

A night out is one way to have fun but it’s not the only way. Be creative and try to find a way to make your night memorable and enjoyable without having to spend too much. We promise it’s possible.

Plan ahead

Once you’ve dealt with Christmas 2019, start planning for next year. By putting away just a few dollars a week you could turn Christmas 2020 into quite the celebration.

Even if you’re not focusing on saving for Christmas, developing good saving habits is always a good idea.

Open a savings account with a competitive interest rate and try to make regular deposits throughout the year. If you’re disciplined, there’s a good chance you’ll have a few extra dollars to spend come December. Also, if anything goes wrong for you financially, there will be no need to borrow money as you’ll have a nice little savings nest egg to fall back on.

If you’re really proactive, shop the sales throughout the year. Rather than buying all your presents in December, if you pick up a gift here and there through the year you can spread out your costs making them much more manageable.

Christmas on a budget: do it your way

When it comes down to it, you can do Christmas 1000 different ways. While there’s the tried and true, traditional approach, there’s nothing stopping you from doing it your way.

Want to cut costs? Do it.

Hate turkey? Don’t eat it. Get creative. Make a meal you want to eat.

Don’t want to exchange gifts? That’s OK, it shouldn’t be an obligation.

If you’re trying to save money it’s really simple to do Christmas on a budget. Consider the hacks we’ve outlined and decide which of them work best for you. You never know, this could be the best Christmas you’ve ever had.