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I had an email this morning at 5.17am from Microsoft with a one time code. I definitely wasn't trying to log in at that time of the morning. 2fa is the way to go. Make sure to adopt it if available on any site.

I have car insurance with Woolies and get 10% discount per month. Also just had a special deal to spend any amount and get 10,000 points = $50. Even if you have just an normal no cost rewards card there are always bonuses to keep an eye on. Both Coles and Woolies have them often. As an example...

Since changing to cash only for the fortnightly expenses I was using card for, I have found that I'm definitely not spending as much. Some left over now, woohoo. Keep a running total in a spreadsheet.

Who was the dumn-nut that changed the code in 2015 to be not mandatory? Just gave them free resign to gouge and that they did.

That's first time I've read a response from a bank regarding cash usage. Usually they sit schtum and watch us all rage to each other.

It's just not good enough! If our roads could stay crappy for a year or two and we don't upgrade any footy stadiums or host the Olympics, I'd gladly see the money spent on a working health care system. My home budget says I can't afford to go to the footy when I need to buy medicine. Govt...

I had son and his wife stay for a year to save but they paid board. Also had another son stay after marriage breakdown and paid board. The only one who managed to get away without paying was baby daughter who twists your finger 😁

I know right. We're crying out for professionals and yet the govt puts a huge roadblock for them. Even trades suffer because of the piss poor wage apprentices are paid. Think smarter Govt not greedier

Seems alot of people must have been pretty boring in their 20s and 30s. I remember have a whale of a time spending every cent I made. Got married and bought our house within 6 months because there was not such a big deposit required as today. Mattress on the floor and Grandad's old fridge...

Sorry but I'm 60 something and wouldn't shop at Millers or use Kmart makeup either.

I do actually believe it is harder today for Millennials than my 30's ( I'm a boomer btw) Getting into the housing market is a long long road. Only one of my 4 children has their own home which we contributed a portion to the deposit. They do not have a HECS debt. The other 3 have uni debt and...

Screwed over by the supermarkets.

That must be why Peter Dutton is a major a'hole!

Not with Westpac but it's a very uninformative article. How are these magic points accumulated? SDC - Gian T?

The headline was barely connected to the article. It's such a sad indictment on the lucky country that so many people are in need.

I think you can apply for next year after 30 June

I've taken to paying by cash for any in person purchases and leave the account to look after direct payments. No fees.

Just don't fu** a du**.

A 30 second read and then you know.