powering smart financial decisions

Alex Ritchie

Personal Finance Editor

Alex is a personal finance writer and editor at RateCity, and has been writing about finance for over five years. She is passionate about closing the gender pay and superannuation gap, and aims to help young Aussies to overcome their financial apathy and better manage their finances. Alex has been published in numerous print and online outlets, including Money Magazine, Lifehacker Australia, and Business Insider.

539 articles written by Alex Ritchie

Credit Cards

Credit card debt drops by $9.9 billion since the start of COVID

The national credit card debt accruing interest has dropped by over half a billion dollars in just one month, down to the lowest level since May 2003.

Credit Cards

Over half of buy now pay later customers struggle to pay living expenses

It’s a timely reminder to be careful with your finances as we enter the silly season, with a new report revealing that 61% of financial counsellor respondents saw most or all their clients using BNPL platforms struggle to meet living expenses.

Home Loans

Home loan cashback deals for December 2021

The days of the rock bottom interest rate may be coming to an end, so what can homeowners do to ensure their home loan stays competitive? It may be worth considering a cashback offer.

Home Loans

How to fund your home improvements with equity

Are you considering making home improvements and renovating your property? You may want to consider how you can make use of your home’s equity to finance these plans.

Credit Cards

Westpac and subsidiaries cut credit card rates in time for Christmas

Good news for credit card customers with Westpac and its subsidiaries, St. George, Bank of Melbourne and BankSA, reducing their credit card purchase rates by between 0.25% and 0.50%.

Credit Cards

Spend wisely to avoid debt in the Black Friday & Cyber Monday sales

The upcoming Black Friday and Cyber Monday sales are set to attract a high number of Aussie shoppers looking to snap up a bargain for Christmastime. But buyer beware: it’s still easier than ever to accumulate debt through your credit card if you’re not careful.

Home Loans

Brokers report non-major banks growing in popularity

A rising number of home loan applications have been submitted to non-major banks indicating Aussie appetite for mortgage lenders outside of the big four may be rising, according to findings from the latest Broker Pulse survey.

Personal Loans

Loans to help you aim for net-zero emissions in your own home

You may be wondering how you can finance reducing your household emissions to better benefit the environment. This is where a green home loan may come in handy this November.

Home Loans

How much would it cost to live in a celebrity home?

When it comes to the lifestyles of the rich and famous, we can’t help but wonder just how they spend on their enviable homes, or how much the mortgage repayments would be on those massive price tags.

Car Loans

Federal Government commits to increased funding to electric vehicle infrastructure

Australians considering making the move to purchasing an electric vehicle have been provided with even more support, with the Morrison Government revealing a significant financial boost to its investment in charging infrastructure.