How to Create and Stick to a Budget Unless you've grown up being taught about money, it can be overwhelming knowing where to start and what to do. With the way the world is at the moment, more and more people are scrambling to try to learn and get control of their finances. Even if you know a lot about money, sometimes it just feels hard. Expenses are outweighing income in many families and it feels hopeless. When it comes to creating a budget, a lot of the advice from the past might not feel...
10 days ago • 3 min read
How to Reduce All Your BIG Expenses Coming to the end of the year can be stressful with big expenses rolling in such as bills, groceries increasing, rent or interest rates changing, not to mention the school holidays, gifts, events etc. Here are some tips to reduce all your big expenses and hopefully give you some breathing room in your budget. How to save money on housing/accommodation How to make your home pay for your mortgage How to save money on groceries 18 tips to reduce your groceries...
3 days ago • 3 min read
Working out a budget, learning ways to save, hustling harder, all of it can be a bit dry or boring. So how can you make it more fun? Gamify It - You'll notice many things are gamified now from language apps such as DuoLingo through to finances e.g. Up Bank has the most gamified app we have ever seen. Making money a game instead of a chore makes it much more interesting. Make it Visual - Get debt payment charts or savings charts to stick up so you can actively colour them in and see how you...
about 20 hours ago • 2 min read
Tiny Changes to Make a Big Difference Often we think we need to change everything, make more money, cut the budget by hundreds a week. In reality, small changes over time can build and make a huge difference if we stick to them. Educate Yourself - learn everything you can. Listen to a podcast about money, watch something on YouTube, read a finance book (even a page a day helps) then apply what you learn. Start saving - even if it is 1%, something is better than nothing. Make sure you keep it...
about 20 hours ago • 1 min read
How to Make and Save More for Summer Summer can be great with longer, warmer days. There are loads of opportunities to make money and since it can be a more expensive time for many, we've got some tips. Check out all the tips and links to different articles in the article How To Save Money In Summer. When we talk about the holiday season and summer, remember Christmas is not the only holiday between now and the end of the year. There are numerous religions who celebrate different things this...
1 day ago • 2 min read
How to be Prepared for Emergencies There has been a lot of talk in international media, some in Aussie media too, where some governments are recommending people have food and other supplies. Given all the natural disasters and even random events that can happen in Australia, it is worth it to be prepared. How to be prepared varies depending on the situation e.g. bushfires vs major storms have different requirements. There are some basics you can do such as have a 3 day pack ready to go. As a...
4 days ago • 2 min read
How To Afford A Home Whether you own, are looking to buy or hope to in the future, it is a little daunting for many right now. Waiting to see what will happen as house prices are coming down, the cost of living going up, rent still unaffordable, interest rates increasing, all of it. While prices are coming down in many areas, they are not at affordable levels yet. Yes, we know interest rates hit 17% for previous generations but the data also shows that was for a short period of time on homes...
6 days ago • 3 min read
How to Feel Better About Your Finances and Life With the rising cost of living, house prices coming down, debt levels increasing across the country, the festive season coming up meaning school holidays, possibly days off work for some, festive expenses etc. Many feel stuck. Or scared. Or extremely ashamed and disappointed with where they are at financially. You might feel you will never achieve your financial goals or have an easier life. In various Facebook groups we have seen this come up a...
8 days ago • 2 min read
How to Get More Discounts and Bonuses This time of year has loads of sales, special offers, discounts and more. With all the sales happening it is easy to get sucked in and spend too much. Remember - it is not a discount if you didn't need it! And everything always goes on sale at some point or has a special offer. You will NOT miss out because you didn't grab a bargain right now. Sales go in cycles, many of the Black Friday/CyberMonday Sales that are about to happen aren't even bigger...
10 days ago • 2 min read