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AussieLedger
17 guides

Money, tax & super

Tax returns, tax file numbers, superannuation, HECS-HELP, GST and ABNs — what you owe, what you are owed, and when.

How bankruptcy and debt agreements workFour formal options sit under the Bankruptcy Act 1966: temporary debt protection, a Part IX debt agreement, a Part X personal inso…18 minverified 2026-08-06
What to do if you cannot pay your tax debtAn unaffordable tax bill is a payment problem, not a lodgement problem. This covers ATO payment plans, general interest charge rem…15 minverified 2026-08-06
How salary sacrifice works and what it does to your taxSalary sacrifice swaps future salary for super or a benefit taxed differently. It can cut your tax bill, but the amounts still cou…12 minverified 2026-08-05
How superannuation works in AustraliaYour employer must pay 12 per cent of your ordinary earnings into a fund you choose. This explains who gets it, how to pick a fund…9 minverified 2026-07-30
How to choose a super fundMost Australians never choose a super fund — they inherit one. This covers comparing funds on the numbers that matter, what the AP…11 minverified 2026-08-04
How to claim work-related tax deductionsThree rules decide every work expense claim: you paid it, it relates directly to earning your income, and you can prove it. Here i…13 minverified 2026-08-05
How to fill in a tax file number declarationEvery new job starts with a TFN declaration, and six short questions decide how much tax leaves each pay. Here is what each questi…11 minverified 2026-08-05
How to find lost super and unclaimed moneyThere is $18.9 billion in lost and unclaimed super alone, and it sits on a different register from your old bank account, your gra…15 minverified 2026-08-06
How to get a tax file number in AustraliaA tax file number is free, permanent and issued by the ATO. Applying takes about twenty minutes online, and the number arrives wit…8 minverified 2026-07-30
How to get an ABN and when you need oneAn ABN is free and takes minutes, but having one does not make you a contractor. Sham contracting — being told to get an ABN for w…9 minverified 2026-07-30
How to lodge your Australian tax returnThe Australian tax year ends 30 June and returns are due by 31 October if you lodge yourself. This covers who must lodge, how myTa…9 minverified 2026-07-30
How to make a will in AustraliaA will only controls what you personally own — super, jointly held property and life insurance usually sit outside it. Covers the …13 minverified 2026-08-04
How to plan and pay for a funeralFunerals are one of the few large purchases made in days, by someone grieving, with no chance to compare. Here is what actually ha…12 minverified 2026-08-05
How to register for GST and lodge a BASGST is money you collect for the ATO, not income, and the BAS is where you hand it over. This covers when registration becomes com…12 minverified 2026-08-05
How to set up an enduring power of attorneyAn enduring power of attorney is the only document that lets someone manage your money if you lose capacity. It has to be made whi…12 minverified 2026-08-05
How to start a business in AustraliaRegistering is the easy part. This covers choosing a structure you will not have to unwind, the registrations that actually apply …12 minverified 2026-08-05
The Medicare levy and the Medicare levy surchargeThe levy, the surcharge and the Lifetime Health Cover loading are three separate charges that get muddled constantly. This explain…11 minverified 2026-08-04
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