SmartFinance AU

Most Overlooked Tax Deductions for Students and Freelancers in Australia (2025) Published: 18 November 2025 • Read time: 11 minutes Students and freelancers often miss valuable tax deductions that could boost refunds . Tax time can be stressful, especially for students and freelancers juggling multiple income streams. Many overlook deductions they’re legally entitled to, leaving money on the table. This guide highlights the most common missed deductions in Australia for 2025 and how to claim them. Education-related deductions Home office expenses Tools, equipment & software Subscriptions & memberships Internet & phone use Voluntary super contributions FAQs Education-related deductions If you’re studying to improve skills directly related to your current work, you can claim: Course fees (not HECS-HELP repayments ). Textbooks, stationery, and ...

Best Credit Cards for Students and Young Professionals in Australia (2025) Published: 9 September 2025 • Read time: 10–12 minutes Start small. Pay in full. Build credit the right way. Starter credit cards are tools, not trophies. The right card keeps fees low, helps you build credit with on-time payments, and gives simple rewards on everyday spend. This guide groups the best types of cards for students and young professionals in Australia and shows what to check before you apply. How to choose a student/starter card Card categories and who they suit Quick comparison checklist How to apply without hurting your score FAQs How to choose a student/starter card Annual fee: Prefer $0 or low annual fee while you build history. Purchase rate: Lower is safer if you slip, but plan to pay in full every month. Rewards: Simple cashback or essential points only; avoid complex s...

How to Open a Bank Account in Australia as a Student or Newcomer Published:  29 August 2025 • Read time: 9–11 minutes Open online first. Finalise ID when you land. New to Australia? You can set up everyday banking before you arrive or within your first weeks in-country. This guide shows the documents you need, the exact steps to open an account, how to avoid fees, and how to enable fast payments with PayID. It also covers common mistakes that cause delays. Before you arrive: what you can do Documents checklist Step-by-step opening process Which account suits students and newcomers How to avoid monthly fees Set up PayID and real-time payments TFN, tax and interest on savings Common mistakes FAQs Before you arrive: what you can do Major banks let you start online from overseas, then complete identity checks in a branch after arrival. This gets you a cu...