OK, I have been driving my busted-arse Holden Astra for 15 years. I am turning 50 soon and my boyfriend is going to buy me a new car, so l am looking at a luxury Audi TT convertible.

Hey Scott, Not so much a question, I just wanted to say thank-you. I read your article about calling your bank and bluffing to get a cheaper home loan rate.

Scott Are you kidding? Last week you advised ‘Rachel’ a single mother to let the family home go and then rent?

Hi Scott, I had my tax done this week and found out that I have (finally) paid off my HECS debt! This is great news, but my accountant advised me that I cannot let my workplace know that this is the case, so I can ensure a decent refund next year.

Hi Scott, My partner and are currently having a massive argument: I am pro renting and she is against it. We do not have any debts, and have about $80,000 in cash and shares.

Hi Scott,I’ve never owned a credit card in my life but with my wedding coming up in 4 weeks I’m looking into one for a few expenses I can't pay upfront. I’m looking at a NAB low rate credit card, how does this one fare?

Hi Scott About 10 years ago I won $2,000 in a competition. Part of the prize was a financial planning session with AMP.

Scott, I’m scared. I’m 35 years old and have recently separated from my husband.

Hi Scott, Thanks for the great advice -- we read your column out loud each week! Our current situation is this: we live in Geelong, have a home loan of $7k on a property valued at $500k, and have no other debts.

Scott, I’ll keep this super-brief. What do you think of the latest super changes?

Scott, I am 43 with $240,000 in my SMSF, and I have liquidated my portfolio after reading up on the coming financial crisis. The US Federal Reserve will lift interest rates, which will cause a tsunami of defaults around a world that is addicted to cheap money.

Scott, My son is 45 years old. He earns in excess of $200,000 but loves spending borrowed money.

Barefoot, My husband owns a small CBD café which he purchased two years ago. After a lot of hard work, it nearly pays him a minimum hourly wage, while employing four staff.

Scott, Last week you wrote about MyBudget, saying it is not worth the money. But you’re wrong.

Hi Scott, You finally earned me some money! I looked in the paper and saw your horse -- Barefoot Investor -- running at Cranbourne last weekend.

Hi Barefoot, La Trobe Financial offers amazing rates on term deposits -- 5.2 per cent for 12 months and up to 7 per cent for 24 months.