Personal Finance
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![12 Questions About Credit Scores and Reports](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/credit-score-questions-435x290.jpg)
12 Questions About Credit Scores and Reports
Credit scores and reports matter in Australia. Knowing how they work will help keep you on track to achieve your financial goals.
![How to Get Your Free Credit Score and Credit Report](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-check-credit-score-445x290.jpg)
How to Get Your Free Credit Score and Credit Report
Australia’s three major credit reporting bureaus must let give you free access to your credit report and score every three months.
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How to Improve Your Credit Score
Take steps to improve a low credit score: keep credit card balances low, pay bills on time, and build your credit history.
![What is a Good Credit Score?](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/GOOD-CREDIT-SCORE-435x290.jpg)
What is a Good Credit Score?
A good credit score varies by credit agency: 661+ for Equifax, 625+ for Experian, and 400+ for illion.
![Do Australian Credit Repair Services Actually Work?](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/credit-repair-435x290.jpg)
Do Australian Credit Repair Services Actually Work?
Credit repair companies exist to help people with low or fair scores and get them out of the red, but the impact of the service is limited.
![What Affects Your Credit Score?](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/what-affects-credit-score-435x290.jpg)
What Affects Your Credit Score?
Your credit scores are determined by several factors, such as whether you pay bills on time and the length of time you’ve used credit.
![What is the Minimum Wage in Australia?](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/minimum-wage-435x290.jpg)
What is the Minimum Wage in Australia?
A minimum wage is the lowest amount you can be paid for doing a job. The minimum wage Australians are entitled to depends on several factors.
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What is Income Protection Insurance?
Income protection insurance (IP cover) pays part of your lost income if you can’t work due to a disability caused by an accident or illness.
![25 Ways to Make Money Online, Offline and at Home](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-make-money-435x290.jpg)
25 Ways to Make Money Online, Offline and at Home
NerdWallet rounded up 25 real ways to make money at home, online or out and about.
![How to Make Passive Income](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/passive-income-371x290.jpg)
How to Make Passive Income
Passive income is money generated from investments, properties or side hustles. The goal is to achieve a steady flow of cash.
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Types of Employment in Australia
There are many employment arrangements in Australia, from permanent employment to fixed-term contracts and even apprenticeships.
![7 Money Management Skills to Master ASAP](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/money-management-435x290.jpg)
7 Money Management Skills to Master ASAP
Managing your money is the key to living your best life. Set yourself on the path to financial freedom by developing these key money management skills.
![Guide to the 50/30/20 Budget](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/50-30-20-budget-e1666204537191-460x192.jpg)
Guide to the 50/30/20 Budget
The 50/30/20 budget splits your income across three major categories: 50% to necessities, 30% to wants and 20% to savings and debt repayment.
![How to Save Money: 21 Ways to Cut Costs](https://www.nerdwallet.com/au/wp-content/uploads/sites/3/2022/10/how-to-save-money-e1666205113784-460x192.jpg)
How to Save Money: 21 Ways to Cut Costs
Trying to boost your savings? Find out how to save on everyday expenses and lower your costs in the long run now.