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Cost of Living in Australia: Budgeting Tips for Students

Australia is a top destination for international students, offering world-class education and diverse cultural experiences. However, the cost of study in Australia can be significant, making it essential for students to budget wisely. Understanding living expenses and learning how to manage them effectively can make your stay in Australia stress-free and financially sustainable.

Understanding the Cost of Living in Australia

The cost of living in Australia varies depending on the city and lifestyle choices. On average, international students need between AUD 20,000 and AUD 27,000 per year for living expenses. Here’s a breakdown of key costs:

1. Accommodation

On-campus housing: AUD 110–280 per week

Shared rental: AUD 95–215 per week

Homestay: AUD 235–325 per week

Private rental: AUD 185–440 per week

Choosing shared accommodation or student dormitories can significantly reduce housing expenses.

2. Food and Groceries

Groceries: AUD 80–200 per week

Dining out: AUD 15–30 per meal

Cooking at home is a great way to save money on food. Shopping at local markets and using student discounts at grocery stores can also cut costs.

3. Transportation

Public transport: AUD 30–60 per week

Bicycle purchase: AUD 200–500 (one-time)

Ride-sharing/taxis: AUD 10–40 per trip

Many cities offer student discounts on public transport, making it the most affordable option for commuting.

4. Utilities and Internet

Electricity, water, and gas: AUD 10–20 per week

Internet and phone bills: AUD 15–30 per week

Sharing utility bills with roommates can lower overall expenses.

5. Health Insurance and Medical Costs

Overseas Student Health Cover (OSHC): AUD 450–600 per year

Doctor consultation: AUD 50–100 per visit

Health insurance is mandatory for international students in Australia. Compare different OSHC providers to find the most affordable plan.

Budgeting Tips for Students in Australia

1. Track Your Expenses

Use budgeting apps like Mint, Pocketbook, or MoneyBrilliant to monitor your spending and identify areas where you can save.

2. Take Advantage of Student Discounts

Always carry your student ID to access discounts on transportation, entertainment, and dining. Websites like UniDays and Student Edge offer great deals.

3. Find Part-Time Work

International students can work up to 48 hours per fortnight during the semester and unlimited hours during holidays. Jobs in retail, hospitality, and tutoring are common options.

4. Cook at Home

Preparing meals at home instead of eating out can save hundreds of dollars each month. Buying in bulk and meal prepping can further cut costs.

5. Choose Budget-Friendly Accommodation

Opt for shared housing or university dormitories to save on rent. Living a bit further from the city center can also lower housing expenses.

6. Use Public Transport and Biking

Instead of using taxis or ride-sharing services, get a student travel pass for public transport or invest in a bicycle for daily commuting.

7. Apply for Scholarships

Many universities and organizations offer scholarships that can help cover tuition and living expenses. Research and apply for relevant scholarships to ease your financial burden.

By implementing these budgeting strategies, students can manage their expenses effectively while enjoying their time in Australia. To learn more about the cost of study in Australia, visit MSM Unify.

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The Real Cost of Living Comfortably in Melbourne: A Guide for New Residents 

If you're considering relocating to Melbourne, one of the most vibrant and livable cities in the world, you might find yourself asking, "how much does it cost to live comfortably in Melbourne?"  

Melbourne, celebrated for its rich cultural tapestry, thriving coffee scene, and remarkable architecture, comes with its own distinct financial challenges. 

Whether you're moving for work, study, or simply seeking a change of scenery, understanding Melbourne's cost of living is essential to ensure a smooth transition. 

Housing: The Largest Expense 

Housing is likely to be your biggest financial commitment when moving to Melbourne. The cost varies significantly depending on the suburb you choose and whether you opt for a house, apartment, or shared accommodation. According to recent data: 

Rent: A one-bedroom apartment in the city center costs approximately AUD 2,000 to AUD 2,500 per month, while the same apartment outside the city center ranges from AUD 1,500 to AUD 2,000. 

Utilities: Expect to spend around AUD 150 to AUD 250 per month for electricity, gas, and water. 

Internet: High-speed internet costs roughly AUD 70 to AUD 100 per month. 

For those looking to purchase property, the median house price in Melbourne is around AUD 900,000, while units cost approximately AUD 600,000. Suburbs like Carlton, Fitzroy, and South Yarra are popular but come with premium price tags. 

Transportation Costs 

Melbourne boasts an extensive public transport network, including trains, trams, and buses. Here's what you need to know: 

Public Transport: The myki card, used for all public transport, costs AUD 10 for the card itself. A monthly unlimited travel pass within Zones 1 and 2 is approximately AUD 165. 

Owning a Car: If you plan to drive, factor in fuel costs averaging AUD 1.90 per liter, annual registration fees of about AUD 850, and car insurance ranging from AUD 800 to AUD 1,200 annually. 

Cycling: Melbourne is bike-friendly, with dedicated lanes and trails. A quality bicycle can be purchased for AUD 300 to AUD 1,000. 

Groceries and Dining Out 

Groceries in Melbourne are relatively affordable compared to other global cities. On average, a single person spends about AUD 300 to AUD 400 per month on groceries. Popular supermarket chains include Coles, Woolworths, and Aldi. Here are some typical prices: 

Milk (1 liter): AUD 1.50 

Bread (loaf): AUD 3 

Eggs (dozen): AUD 5 

Chicken breast (1kg): AUD 10 to AUD 12 

Dining out can vary widely depending on your preferences. A meal at an inexpensive restaurant costs around AUD 20, while a three-course meal for two at a mid-range restaurant is approximately AUD 100. Melbourne's renowned coffee culture means you’ll likely spend AUD 4 to AUD 5 per cup at local cafes. 

Healthcare Costs 

Australia has a robust healthcare system, with both public (Medicare) and private options. If you’re a permanent resident or citizen, Medicare covers most medical services at no direct cost. For others, health insurance is essential: 

Private Health Insurance: Premiums range from AUD 100 to AUD 300 per month, depending on coverage. 

Out-of-Pocket Costs: A standard GP visit costs around AUD 50 to AUD 100 without Medicare, though many clinics offer bulk billing. 

Education Costs 

For families moving to Melbourne, education expenses are a significant consideration. Public schools are free for Australian citizens and permanent residents, though there may be minimal costs for uniforms and extracurricular activities. International students can expect to pay: 

Public Schools: AUD 5,000 to AUD 10,000 per year 

Private Schools: AUD 15,000 to AUD 35,000 per year 

Higher Education: Tuition fees for international students at universities like the University of Melbourne range from AUD 30,000 to AUD 45,000 annually. 

Entertainment and Lifestyle 

Melbourne offers a wide array of entertainment options, from world-class theaters and museums to sports and outdoor activities. Budgeting for leisure is crucial: 

Movies: AUD 20 per ticket 

Gym Memberships: AUD 60 to AUD 100 per month 

Concerts and Events: AUD 50 to AUD 200 per ticket, depending on the event 

Sports Matches: AFL games cost AUD 25 to AUD 60 per ticket 

Free activities like exploring the Royal Botanic Gardens, St Kilda Beach, or the vibrant laneways of the CBD can also enrich your experience without impacting your budget. 

Miscellaneous Expenses 

Other costs to consider include: 

Clothing: Prices are comparable to other developed countries, with a pair of jeans costing around AUD 80 and a mid-range dress about AUD 100. 

Mobile Plans: Expect to pay AUD 30 to AUD 60 per month for a standard mobile plan with data. 

Childcare: For families with young children, daycare can cost AUD 90 to AUD 150 per day. 

Budgeting Tips for New Residents 

Choose Suburbs Wisely: Research suburbs that offer a good balance of affordability and proximity to work or school. Suburbs like Brunswick, Footscray, and Coburg are popular for their affordability and vibrant communities. 

Utilize Public Transport: Save on transportation by relying on Melbourne's efficient public transit system. 

Shop Smart: Take advantage of weekly specials at supermarkets and local farmers’ markets. 

Monitor Energy Use: Reduce utility costs by being energy-efficient, such as using LED lights and minimizing heater/AC usage. 

Final Thoughts 

So, how much does it cost to live comfortably in Melbourne? While it depends on your lifestyle and choices, a single person should budget at least AUD 3,000 to AUD 4,000 per month, including rent, utilities, groceries, and transportation. For families, this figure can rise to AUD 6,000 or more. 

By understanding these costs and planning accordingly, you can make the most of your new life in Melbourne, enjoying all the incredible opportunities this city has to offer. 

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Global Market Highlights: December 18, 2024

APAC markets

Asian markets traded with mixed sentiment, as a cautious tone followed Wall Street's subdued performance. Key factors include the focus on the FOMC announcement and Chair Powell's press conference later today. - ASX 200: Flat performance, with gains in Real Estate, Tech, and Healthcare offset by losses in Financials. - Nikkei 225: Held in narrow ranges ahead of Thursday's BoJ decision, with Nissan surging 22% on merger talks with Honda, whose shares dropped 3%. - Hang Seng & Shanghai Composite: Outperformed despite limited newsflow, bolstered by optimism ahead of China's PBoC rate decision on Friday.

US pre-market

US stocks experienced risk aversion on Tuesday, with the Dow Jones underperforming compared to the S&P 500 and Nasdaq. Sectors leading losses included Industrials, Energy, and Financials, while Consumer Staples and Healthcare provided relative support.

Fixed income markets

US Treasuries: Treasury yields saw muted action ahead of the FOMC meeting: - 10-Year Yield: Closed marginally higher, with the benchmark 20-year bond auction seeing weaker demand compared to averages: - Bid-to-Cover Ratio: 2.50x (vs. 2.57x average). - High Yield: 4.686% (vs. 4.671% expected). German Bunds: Bund futures remained subdued, trading below 135.00, awaiting further economic and geopolitical developments.

Commodities

- Oil: Crude oil prices dropped, weighed by broader risk-off sentiment. Inventory data showed a larger-than-expected draw - Private Crude Inventories: -4.7M barrels (vs. -1.6M expected). - Gold: Gold traded flat around $2,650/oz, as markets held steady ahead of the FOMC's decision. - Copper: Copper prices slipped below $9,000/ton, reflecting cautious market sentiment.

Currencies

USD Performance: The US Dollar posted marginal gains, largely unaffected by the retail sales data, as markets awaited the FOMC's interest rate decision and updated projections. Key Movers: - Safe-haven currencies: JPY and CHF strengthened due to the broader risk-off sentiment. - Antipodeans (AUD, CAD, NZD): Declined on weak risk appetite, with the CAD also influenced by cooler Canadian CPI. - EUR: Weakened following mixed German economic data, particularly softer Ifo Business Climate and Expectations indices.

Crypto

Bitcoin saw significant losses overnight, falling below $104,000 despite no major headlines.

Fixed Income Markets

- US 10-Year Treasuries: Traded sideways ahead of the Fed's decision. - German Bunds: Held below 135.00, showing minimal movement in anticipation of economic updates.

Economic Highlights

- Federal Reserve Decision: The Federal Reserve is expected to announce a 0.25% rate cut today, bringing rates to 4.3%, while signaling fewer cuts in 2025 due to persistent inflation above the 2% target. Source: AP. - Mortgage Applications Decline: Mortgage applications dropped 0.7% last week as 30-year fixed rates rose to 6.75%. Refinancing demand decreased by 3%, though purchase applications rose 1%, up 6% YoY, fueled by increased inventory and economic optimism. Source: CNBC. - U.K. Inflation Rises: U.K. inflation increased to 2.6% in November, in line with forecasts, driven by higher energy costs and wage growth. Core inflation reached 3.5%, slightly below estimates. Source: CNBC. - Brazil Tax Reform:Brazil's Congress is advancing on tax and fiscal reform votes this week. - US Congress: Congressional leaders struck a bipartisan agreement to extend the government funding deadline to March 14, 2025, while allocating over $100 billion for emergency disaster aid.

World News & Politics

- Stopgap Government Funding Bill: Congress proposed a temporary funding bill extending through March 14, allocating $100.4 billion for disaster relief and $10 billion for farmers. Source: AP. - Ban on Junk Fees: The FTC banned hidden fees for tickets, hotels, and vacation rentals, requiring upfront disclosure of total prices. The policy may face reversal under the incoming administration. Source: CNBC. - Murder Indictment: Luigi Mangione was indicted for the murder of UnitedHealthcare CEO Brian Thompson, with charges including first-degree murder in furtherance of terrorism. Source: CNBC.

Geopolitical Updates

Middle East: - Reports indicate that the IDF is preparing for significant strikes in Yemen, pending Israeli government approval. - Israeli PM Netanyahu is reportedly traveling to Cairo to finalize a Gaza ceasefire agreement, though significant gaps remain between Israel and Hamas.

Corporate Highlights

- Honda and Nissan Merger Discussions: Honda (HMC) and Nissan (TYO:7201) are exploring a merger to strengthen investments in EVs and tackle declining sales in the U.S. and China. Honda's shares dropped 3%, while Nissan surged nearly 24%, its largest single-day gain in 40 years. Foxconn (TPE:2317) is reportedly pursuing a stake in the new venture. Sources: WSJ, CNBC, Bloomberg. - General Mills Slashes Forecast: General Mills (GIS) reduced its annual profit outlook, expecting a 1-3% decline due to increased promotions and reduced prices. Despite the forecast cut, Q2 revenue of $5.24B beat estimates, driven by a 3% increase in volumes. Shares were down 4% premarket. Source: Reuters. - Salesforce Expands AI Focus: Salesforce (CRM) plans to hire 2,000 additional sales staff to focus on its AI products, doubling its earlier commitment. The second generation of its AI Agentforce software will launch in February 2025. Shares rose 1% following the announcement. Source: CNBC. - Meta’s Ad Revenue Growth: Instagram is projected to account for over 50% of Meta's (META) U.S. ad revenue by 2025, driven by Reels and video monetization. A potential TikTok ban could further boost Instagram's growth. Source: Reuters. - Amazon Workers Threaten Strike: Amazon (AMZN) may face strikes from Teamsters union members during the holiday season, citing unsafe working conditions and a demand for union recognition. Source: BBC. - Starbucks Union Strike: Starbucks (SBUX) union members authorized a potential strike, with 98% support, ahead of final negotiations for the year. Starbucks expressed a commitment to productive talks. Source: CNBC. - Federal Probes into SpaceX: SpaceX and Elon Musk are under investigation for failing to report foreign meetings and other violations of security rules. Musk was recently denied high-level security clearance by the Air Force. Source: NY Times. - Databricks Raises $10B: AI Startup Databricks secured $10 billion in funding, valuing the company at $62 billion, surpassing rival Snowflake's market cap. Thrive Capital led the funding round. Source: NY Times. - Grubhub Settles with FTC: Grubhub (AMS:TKWY) agreed to a $25 million settlement over deceptive practices, including hidden fees and unauthorized restaurant listings. Refunds will be issued to affected customers. Source: CNBC.

Recent Earnings Recap

- General Mills (GIS): Revenue: $5.24B (+1.97% YoY, beats by $100M); EPS: $1.40 (+12.00% YoY, beats by $0.18). - HEICO (HEI): Revenue: $1.01B (+8.28% YoY, misses by $16M); EPS: $0.99 (+33.78% YoY, beats by $0.01). - Jabil (JBL): Revenue: $6.99B (-16.61% YoY, beats by $384M); EPS: $2.00 (-23.08% YoY, beats by $0.12). - Birkenstock (BIRK): Revenue: $500.93M (+22.88% YoY, beats by $61.64M); EPS: $0.32 (+128.57% YoY, beats by $0.06). - ABM Industries (ABM): Revenue: $2.18B (+4.01% YoY, beats by $97M); EPS: $0.90 (-10.89% YoY, beats by $0.03).

Upcoming Earnings

- Today: Micron Technology (MU), Lennar (LEN). - Tomorrow: Accenture (ACN), Nike (NKE), Cintas (CTAS), FedEx (FDX). - Friday: Carnival Corporation (CCL).

IPO Activity

Confirmed Today: - YSX Tech. Co., Ltd (YSXT): Revenue: $54.56M, growth: 63.28% YoY. - New Century Logistics (BVI) Limited (NCEW): Revenue: $52.15M, growth: -4.69% YoY. Estimated Upcoming: - Thursday: Health In Tech, Inc. (HIT); Range Capital Acquisition Corp. (RANG); Leishen Energy Holding Co., Ltd. (LSE). - Friday: Park Ha Biological Technology Co., Ltd. (PHH); Fast Track Group (FTRK).

Market Outlook and Future Events

The focus will remain on the Fed’s policy stance and market reaction to Chair Powell's guidance for 2025. Additionally, geopolitical developments and corporate earnings will influence sentiment heading into the end of the week. Read the full article

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Also Check How to Buy Bitcoin in Greece

Fine Bitcoin Exchanges within the international For buying and selling Bitcoins Bitcoin is booming in Australia and that’s not just my wager. There are charts helping the narrative. (LBC charts are a terrific indication of the recognition of BTC in that u . S . A .).

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