About the author

Bernadette is a journalist with years of experience covering topics in macroeconomics, real estate, and lifestyle beats for notable print media organisations. She joined the InfoChoice Group in 2024, bringing her passion for writing stories that help Australians make better decisions about money.


Bernadette's latest articles

Bernadette Lunas

Can you buy a car with a credit card in Australia?

So you've got a shiny new credit card, and now you're wondering whether you can use it to buy a shiny new car. You may be able to, but several factors need to b...

02 Jul 2025
Bernadette Lunas

How are People Avoiding the Rent Crisis in Australia?

After leaving a toxic relationship in 2024, Kara* was faced with a harsh reality: finding a stable home for her and her son and pet cat was next to impossible.

21 May 2025
Bernadette Lunas

Student Home Loan Guide

Thinking about buying a property while still at TAFE or uni? It might sound ambitious, but getting a home loan as a student in Australia isn't out of reach. Her...

28 Apr 2025
Bernadette Lunas

Grown Up, But Back Home: Boomerang Kids Explained

Moving out was the dream, the goal. However, for many young Aussies, moving back in with their parents has become a reality - welcome to the era of the boomeran...

14 Apr 2025
Bernadette Lunas

Which of the Big Four Australian Banks Should I Bank With?

If you prefer banking with big brand names, you’ve got four choices in Australia.

07 Apr 2025
Bernadette Lunas

Effective Tax Strategies for Your SMSF

A self-managed superannuation fund (SMSF) unlocks powerful tax benefits if managed effectively. Here's how to maximise returns while staying on the right side o...

10 Mar 2025
Bernadette Lunas

Which generation really had it harder when buying a home?

Older generations often allege Millennials' urge to spend their paycheque on smashed avos and lattes and Gen Z's refusal to make sacrifices are why they cannot ...

04 Mar 2025
Bernadette Lunas

How to Get the Best Deal When Buying a Car in Australia

Scoring the best deal on a new or used car comes down to knowing when to buy, where to look, and how to negotiate like a pro.

17 Feb 2025
Bernadette Lunas

Slower December quarter inflation fuels rate cut expectations

Consumer prices rose below forecasts in the December quarter, boosting the chances of an interest rate cut next month.

29 Jan 2025
Bernadette Lunas

Low Rate Credit Cards

Low rate credit cards are those with below average interest rates. RBA data indicates the average credit card rate is north of 17% p.a. They are typically &lsqu...

10 Jan 2025
Bernadette Lunas

How to Manage Your Bad Credit History

Bad credit doesn't have to define your financial future. With the right steps, you can rebuild your credit history and regain control of your finances.

13 Dec 2024
Bernadette Lunas

Car Loan Fees and Charges Explained

Taking out a loan to buy the car of your dreams usually comes with additional costs and fees.

09 Dec 2024