UPDATE! LLL has introduced a new security requirement for all LLL Internet Banking users. All users are now required to update their login password to a password with increased complexity.
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A word from our Chief Information Officer about customer data security. The recent data breach incidents experienced by Optus and Medibank have highlighted the requirement for organisations to have appropriate and robust controls in place to...
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It's our mission at LLL to safeguard the interests of our depositors, and we alert you of a concerning increase in the incidence of scams, including remote access scams. Remote access scams occur when criminals contact...
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Of course it can…and you don’t need to do a thing. In this ever-changing economic environment, earning interest on your business savings account can be an easy way to earn a passive income. No matter the...
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There are so many kids’ savings accounts on the market it can be difficult to wade through all the options; the LLL has made a list of some of the top features and the traps to...
Read more about What to look for in an online kids’ savings account
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Are you saving for your dream home or building a nest egg? Staying on top of your personal finances and ensuring you can get your money working for you, including moving money into a dedicated savings...
Read more about How do I automate my savings for future success?
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You’ve done the hard work, it’s time to kick back and relax. If you’ve set up your new savings deposits to go to a savings account automatically, there is nothing left to do but stick to...
Read more about Financial Fitness Challenge: Week 6 - Build your wealth
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Whether it’s to abolish debts, save for a dream holiday, school fees, higher education or plan for retirement (huh?!? No really, starting young can be beneficial in the long run, but that’s a story for another...
Read more about Financial Fitness Challenge: Week 5 - Have a plan
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Great, so you know where your funds are coming from and where they are going. That was a huge step – go you! Let’s look a firming and toning your debt, spending and income. Debt first:...
Read more about Financial Fitness Challenge: Week 4 - Hit the pavement and consolidate
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For some, the answer to this question will be hard, for others it will be a breeze. If you could, what would you save for? A trip, new car, house deposit, debt reduction, further education, or...
Read more about Financial Fitness Challenge: Week 3 - Look at yourself
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Great! Welcome to week two. Were you surprised by your total annual income? Is it more or less than you expected? And did you find yourself asking “if my total wealth is $xx, then where the...
Read more about Financial Fitness Challenge: Week 2 - How outgoing are you?
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Before we find out where you want to be financially, let’s find out where you are – right now. It’s time to evaluate your health, fitness and finances. If you were considering your own health and...
Read more about Financial Fitness Challenge: Week 1 - Evaluate your finances
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The word legacy is defined as “a gift by will especially of money or other personal property”, often coming with a sentimental or emotional attachment. A legacy can also be called a bequest, a deferred or...
Read more about Giving beyond your lifetime – leaving a legacy
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Recently I visited a comparison website, which allowed me to compare the interest rate paid on financial institution’s savings accounts to find the best deal. I was surprised to find I could be earning between 0.85%...
Read more about Bonus Interest – Is it really the bonus we think?
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Teaching children about money is an important aspect of their upbringing; understanding how money is earned, saved and spent is a fundamental skill for a child to be able to successfully manage their own funds later...
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Pocket money can be a fun and rewarding way for children to learn about money, how it is earned, spent, saved and invested. And there are lots of life lessons thrown into the mix along the...
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COVID-19 has presented Australians with many challenges in recent months; financially, physically, emotionally and spiritually. Financial challenges, in particular, may have impacted individuals and families who were previously comfortable, and they’re now looking for ways to...
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When choosing a savings account provider, who to trust with your money is one of the most important decisions you’ll have to make. With more than two months of lockdowns behind us, many people have been...
Read more about Important features to consider in a personal savings account
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Since the LLL's beginning in 1921 it has been providing assistance to Lutheran education in many ways. Support through LLL loans, the provision of business services, insurance, school banking, grants and sponsorships. This support is provided...
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In this changing time of COVID-19 restrictions and distancing it is a true testament to the Lutheran Church and its loving and innovative nature to find a positive way through some of the setbacks and confusion....
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Keeping on top of your finances can be one of the most important things that you do for your long-term wealth. Managing your finances starts from the moment you earn your first paycheck and is prudent...
Read more about Quick wins to get your savings back on track
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A guide to help older people avoid abuse, scam and fraud. In November 2019, the Australian Bankers Association (ABA) released a guide and recommend that anyone over 50 years old should read it. The guide was...
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Planning for retirement can be difficult. For example, when should you start saving, how much do you need, and who can help guide you, are all common questions we face as we move into middle age...
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With end of year exams about to start, Year 12 students across the country will be considering what the future holds, whether that be progressing to university, joining the workforce or taking a gap year. Whatever...
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Be a money warrior not a money worrier! Keep up to date with all our financial tips and follow us on Facebook.
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When you look at your purse or wallet, does it bulge with loyalty cards, gift cards, debit cards and credit cards? It seems that every time you sign up to a new membership or reward program...
Read more about No debit card, no worries. The benefits of targeted saving.
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Save over $200 at the Adelaide Show this year! It’s Spring, which for Adeladians means “The Royal Adelaide Show is coming!” From Friday 30 August to Sunday 8 September thousands of families will spend hundreds of...
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I don’t mean to worry all you parents out there, but it’s already August which means the Book Week parade is just around the corner! Love it or loathe it, Book Week is a well-established tradition...
Read more about Four ways to keep your Book Week parade outfit on budget.
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As technology improvements are made every day to ensure the safety of personal information, scammers have evolved to be evermore deceptive in their pursuit of gaining access to your personal details. Scammers can use you to...
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What’s happening? How come I’ve run out of money? Here are a few simple budgeting ideas to help you plan for the future. Plan When you plan, you need to be clear with yourself about your...
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Financial independence and a world of choices and opportunities await you… but before you splurge all your money like one of those ‘minute to win it’ shopping competitions lets chat about how can you set yourself...
Read more about You’ve landed your first job, woohoo, nailed it!
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Some years ago, a couple living eight hours’ drive from their capital city wanted to help their two sons to understand money, so they opened an LLL Children’s Savings Account for each of them. They thought...
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Now what? When you were growing up, you undoubtedly got your hands on tangible cash pretty often. In an increasingly cashless society, it’s easy to forget that children haven’t - and probably won’t. Children may miss...
Read more about So you’ve opened a children’s savings account … Congrats!
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By Pastor Wayne George It’s not a secret that, generally speaking, men are not always known to wear their hearts on their sleeves or talk openly about what’s going on inside. As a result, when going...
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...you’d better not pout, I'm telling you why. With all your pre-holiday activities planned and budgeted for, it’s now time to turn your attention to the actual Christmas celebrations themselves. Rushing out to buy the gifts...
Read more about So you better watch out, you'd better not cry... Pt.2
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...you’d better not pout, I'm telling you why. Ok, you’d be forgiven if you did start pouting. The Christmas and New Year holiday season is fast on its way and as the warmer weather sets in...
Read more about So you better watch out, you'd better not cry... Pt.1
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No need to wait… transfer your funds in near real time with Faster Payments through the New Payments Platform (NPP). The LLL is one of the first financial institutions in Australia to offer the NPP. It...
Read more about No need to wait - Faster Payments with the NPP
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In recent times, interest in miniature supermarket figurines has surged. Before your child loses interest in their novelty, how about turning the collectible craze into an educational game? Such as: grab a supermarket catalogue and let...
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Living on a budget can sometimes mean looking for alternative ways of enjoying the things you love that would normally eat into your funds. A library for instance, can help you stay on budget with their...
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Oops! Back in high school I was excellent at setting up a study plan. But I don’t think I ever got myself to actually do the study according to the plan! I needed a different system,...
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As I sit down to dinner in the evenings watching my ravenous pre-schoolers push their broccoli and peas around on the plate with their fork, refusing to eat and eventually letting them plop onto the table...
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Do you have a savings goal? We all know we should save, but this is very difficult when we don’t have a specific goal, and things keep coming up. You know, the car breaks down, the...
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What child doesn’t love playing with dirt? The lucky kids at St Paul’s Lutheran Child Care Centre (Nundah, Queensland) now have their very own Native Adventure Play Yard where they can play with dirt and plants...
Read more about New Native Adventure Play Yard thanks to LLL earthcare grants
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In order to either confirm or dispel myths about millennials and home ownership, we surveyed 22 millennials about their financial situation. This is part 5 of the series. This is part 5 of the series. To...
Read more about Millennials and Home Ownership - Saving with a goal (#5)
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In order to either confirm or dispel myths about millennials and home ownership, we surveyed 22 millennials about their financial situation. This is part 4 of the series. To read parts 1, 2 and 3 click...
Read more about Millennials and Home Ownership - LIVING LIFE with a mortgage (#4)
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In order to either confirm or dispel myths about millennials and home ownership, we surveyed 22 millennials about their financial situation. This is part 3 of the series. To read parts 1 and 2, click here. ...
Read more about Millennials and Home Ownership - servicing the loan (#3)
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In order to either confirm or dispel myths about millennials and home ownership, we surveyed 22 millennials about their financial situation. This is part 2 of the series. To read part 1, click here. When asked...
Read more about Millennials and Home Ownership - How did they do it? (#2)
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Millennials are often given a bad name. Also referred to as Gen Y, this generation is often accused of being lazy, entitled, bad with money and basically the downfall of the human race. As a member...
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Have you ever been doing the tourist thing in a strange place, when a local improves your experience? On my first trip to Vienna, backpacking with friends, we were on a tram on the Ring Road...
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In 2017, the LLL provided $105,000 in ‘earthcare’ grants to Lutheran Education Australia to be used for environmental projects within Lutheran schools. One school that was successful in winning a grant was Our Saviour Lutheran School...
Read more about Kaurna Garden comes to life with an LLL earthcare grant
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When a parishioner is unable to attend worship, and also Holy Communion, their Pastor brings communion to them. But the Pastor does not use the same cup and plate that are used at Church for the...
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Andrew Waldhuter and Marie Pawsey have been visiting and talking about LLL, and putting up displays of LLL and Lutheran Tract Mission materials, in three districts. They have answered lots of questions. (If you have a...
Read more about Where might you have seen the LLL so far this year?
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How does the LLL facilitate financial giving free of charge to the church? As the financial institution for the Lutheran Church of Australia (LCA), LLL has been offering one particular service – REG – free of...
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What have you given up for lent this year? We asked around the office, and some of the sacrifices being made are: Chocolate (from an extremely dedicated chocoholic) Shopping at garage sales and op shops Junk...
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Confused about why your insurance keeps going up even though you don’t make a claim? Here’s a handy guide on how insurance works… We can’t change your home or car insurance policy costs, (and sorry we...
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Shrove Tuesday started as the day to eat up all the sugar and fat-filled foods that we were about to ‘give up for Lent’. So syrupy pancakes fried in delicious butter certainly fit the bill!! [Traditionally...
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In Near Real-Time – PayID and NPP So many acronyms! If you’ve seen the ads on TV recently featuring a person with a fish head, you may be wondering what it’s all about. This fish-man-hybrid is...
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Today I sat in my car, in Adelaide’s 42 degree heat, waiting for the rush of speeding bikes to make their way through McLaren Vale on stage 4 of the Tour Down Under. It was HOT! ...
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Back to school is so busy. As the Mum of a nearly-5 year old, this is my first experience of the chaos that surrounds January as we ease out of holiday mode and start getting ready...
Read more about 5 tips to save in this back-to-school season
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The next car I was astonished when a friend mentioned that as soon as she bought a new car that she started saving for the next one. No car loan needed. It had never occurred to...
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It's been a big year for the LLL in 2017. You can read about how we have supported the Lutheran Church Together in Mission, and about our financial results and strategic direction in the Annual Report. ...
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I have an 11 year old niece. Each year at Christmas I ask her Mum what is on her wish list. She isn’t short of anything, so for the past few years I’ve been buying her...
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Our LLL calendar is crucial to the retirement plans of one of my friends. He always says that all he will need for retirement will be - an LLL calendar! He will put it somewhere prominent,...
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When I was a kid, Christmas was the most exciting time. Now, watching my kids anticipate Christmas and participate in the build up to the 25th of December is one of my favourite things to do....
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What do you do on a Luther tour in Germany in 2017? Look for Luther, of course! Spotted Luther at the back of the Church of the Holy Spirit (Heiliggeistkirche) in Heidelberg … Zoomed in to...
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You may have heard the radio ad where the father presents his young adult daughter with keys on her birthday, and she assumes he’s bought her a car. As she gushes with excitement about her “new...
Read more about It’s not a car loan! It’s a car! Without the loan!
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The LLL International Mission Support Fund provides an annual ongoing gift to be used by LCA International Mission ‘in spreading the good news of the gospel’, now including capacity building in education. The fund generated $284,859...
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by Jonathan Krause The LLL sponsored the Australian Lutheran World Service event ‘Walk My Way’ with a $5,000 grant in July 2017. Why would anyone walk 26 kilometres down the steep slopes of the Adelaide Hills...
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The LLL provided a Mission Resource Grant of $5000 (through the South Australia - Northern Territory District) to Bethlehem congregation in Pinnaroo. Read on to see what they did with it…. by Pastor Dan Rooney “It’s...
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This week is ‘stay smart online’ week. We know that many of our depositors are wary of divulging their personal information online. And you know what? It’s good to be wary. That makes you safe. However,...
Read more about Internet security: Protecting yourself from online scams
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For some families, offset accounts can be very effective in reducing the amount of interest paid on their mortgage. Offset accounts work by offsetting the amount of money within the accounts against the mortgage, in essence...
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Pay yourself first When I was 16 I went to see a financial advisor for the first time. He was a friend of my dad's and I only agreed to go to stop Dad from nagging...
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Involving your children in nature-based-play is the modern-mother’s goal, right? It certainly seems so if you do any Insta-scrolling or Facebooking in your spare time. So, if you want to get some insta-worthy photos these spring...
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In May and June 2017, the LLL conducted our first ever customer survey. While we regularly speak with our depositors in churches and schools, we have never formally sought your feedback. We had a fantastic response...
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One of the first things you’re asked to do when you sign up to anything on the internet (email, social media, internet banking etc) is to come up with a password. The Australian Government recommends protecting...
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Save over $200 at the Adelaide Show this year! It’s Spring, which for Adeladians means “The Royal Adelaide Show is coming!” From 1 – 10 September thousands of families will spend hundreds of dollars on tickets,...
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We are using cash less than ever. When we actually need cash, it’s annoying. Think parking meters, pocket money, and $10 EFTPOS minimums...!! Of course the digital economy is ‘the way the world is’ now, but...
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In our recent depositor's survey, you told us that one of your main areas of financial concern was internet security. Here is our first article in a series of internet security articles to help you safely...
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What is the thing you’re most afraid of when your child turns 18? Is it the party they’ll want to have? Or the final loss of control as they officially become an adult? Perhaps you’re celebrating...
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On Saturday 19 March 2016, 193 people (including Sonya and her sons) came to Elevation, the annual training day for children's, youth and family ministry run by Lutheran Youth of Queensland. Each participant attended four sessions...
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In today’s world of electronic payments and internet banking, it is difficult to teach children the value of money. When you’re at the shops, how often do you pay with actual cash? Australians only use cash...
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Immanuel College’s new Senior School, The Margaret Ames Centre, has brought a new era of education and learning to the campus. The LLL provides low interest loans to members of the Lutheran Church of Australia -...
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From congregations across Australia and New Zealand, so many requests were coming in for the NEW Evangelism workshops that it was not possible to present them all in person. An innovative project has now made this...
