Vidhu Bajaj
Personal Finance Writer
Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
267 articles written by Vidhu Bajaj
Cryptocurrency staking vs mining – how are they different?
Staking and mining are two different ways of verifying transactions and securing the blockchain while generating new crypto coins in the process.
Vidhu Bajaj -
30 Jun, 2022 -
5 min read
What is Bitcoin Gold (BTG), and why was it created?
Find out what Bitcoin Gold (BTG) is and why it was created from Bitcoin.
Vidhu Bajaj -
21 Jun, 2022 -
3 min read
What is LatitudePay and how does it work?
LatitudePay is a buy now, pay later (BNPL) provider with a similar business model in New Zealand. It lets you spend up to $1,000 and pay it back in 10 weekly instalments, with the first instalment due on the day of the purchase.
Vidhu Bajaj -
09 Jun, 2022 -
6 min read
What happens if I don’t activate a credit card?
Most credit cards cannot be used until they are activated, but leaving a card unactivated also carries some fraud risk. Check if you can cancel the card.
Vidhu Bajaj -
09 Jun, 2022 -
4 min read
What is Cardano and how does it work?
Cardano is a public blockchain platform with its own cryptocurrency called ADA. ADA is the world’s largest cryptocurrency to use a proof-of-stake blockchain, which is considered a more sustainable alternative to proof-of-work ones.
Vidhu Bajaj -
08 Jun, 2022 -
3 min read
Automate your savings with an automatic savings account
Do you notice your fortnightly car repayments, iphone bill or charity contributions when they are direct debited from your account? Based on the same concept as direct debiting, setting up an automatic savings plan can help you to save more and help you reach your financial goals sooner.
Vidhu Bajaj -
02 May, 2022 -
7 min read
What is mortgage restructuring?
Mortgage restructuring can help you keep up with your mortgage in difficult times by changing the terms of your mortgage. But if you only want a lower interest rate, you may consider refinancing your home loan.
Vidhu Bajaj -
22 Apr, 2022 -
5 min read
Can I use a balance transfer credit card to pay off a personal loan?
Balance transfer cards are generally used to pay off credit card debts, but you could also balance transfer a personal loan in some cases to pay it off sooner.
Vidhu Bajaj -
21 Mar, 2022 -
4 min read
The pros and cons of using buy now pay later
A BNPL platform could help you better plan your finances through staggered payment plans, but you could be hit by late payment fees if you’re not careful.
Vidhu Bajaj -
27 Jan, 2022 -
5 min read
The real cost of buying a home that needs renovation
Purchasing a fixer-upper home could save you upfront costs but there are plenty of other things to consider, especially the cost of renovating your home.
Vidhu Bajaj -
21 Dec, 2021 -
5 min read