How to Make and Save More in the Last Quarter of 2026 There are only 3 months left of the year and even if you haven't achieved what you set out to achieve this year, you still have time to improve your finances and start 2027 in a better position. What can you do in the next 3 months to improve your finances? Establish an Emergency Fund Having an emergency fund that is used for true emergencies creates peace of mind and helps avoid debt. Aim for $2,000 and do whatever you need to get this...
1 day ago • 3 min read
How to Clear Debt Something that has come up a lot, including in our recent survey is people want new ideas to help them clear debt. There is no magic quick fix for clearing debt. Changing the habits and thought process that got you there OR finding a way to change your circumstances (because not all debt is wasteful consumerism, despite what the media might have pushed for years!) We can end up in debt for a variety of reasons, many outside of our control. Getting rid of it can be a battle....
9 days ago • 5 min read
How To Afford Housing One of the biggest issues for Aussie families is the cost of housing. Whether you rent, own or are trying to own, the cost is prohibitive. And if you can't get into a home, the caravan parks/campsites are full plus the cost has gone up for them too. Not to mention, the difference in lifestyle can make many things such as buying in bulk, cooking in bulk etc that could save money, impossible in that situation. Mortgage Tips Getting a mortgage these days is harder since you...
12 days ago • 3 min read
Frugal School Holiday Ideas School holidays can get expensive if you aren't careful. Kids eat so much more when they are at home, they want to go to the movies and do everything else. So how can you make it more affordable? Find Free Events in Your Area. For younger kid's, shopping centres have lots of activities, as do libraries and community centres. Look on Facebook and community noticeboards plus check with your school. Be a Tourist in Your City. Find all the free tourist attractions and...
15 days ago • 5 min read
How to Start a Business for Under $100 If this year is the year you want to start a business, you need to read this! Check out how to start a business for under $100 for tips on a basic business without stock. It is easier than ever to start a business, get in front of your target audience, automate things with AI and have success but there is a lot to learn. You either have to learn it yourself or pay someone to do it for you. How to Fund Your Business Some businesses require more than a...
19 days ago • 5 min read
How to Upgrade Your Life on a Budget Most people are looking at social media or their neighbours and comparing their lives. Often we want to upgrade or update things, make a change or feel we are falling behind. So how can you upgrade if it is what you truly want? Firstly, what is it you want to upgrade? And why do you want to upgrade or feel you need to? For some this might be smaller such as upgrading the food they eat, or getting a new lounge and for others it could be bigger such as a car...
22 days ago • 3 min read
How to Get an Extra $5,000 by the End of the Year There are 112 days until the end of the year (11 Sept to 31 Dec, including today and the 31st.) How different would your life be if you had an extra $5,000 by then? $5,000 cleared from your debt or put into savings to start the new year with is not a small amount. Broken down, it is roughly $45 per day ($44.64 to be more exact). Similar to the $27.40 per day for 1 year = $10,000 challenge, if you can find a way to make or save an extra $45 a...
26 days ago • 3 min read
If you read last week, you will know I blew my debt plan the month before due to celebrating paying off small debts. I didn't take on more debt but I lost sight of my bigger goal. So how can you celebrate on a budget? Firstly, make it part of the budget. Some celebrations you know will happen such as birthdays, special events and you can plan accordingly. Others, such as wedding invitations or a surprise promotion you want to celebrate might not but you can still include a section in your...
29 days ago • 2 min read
How to Simplify Your Finances Our time and energy is pulled in so many directions it can feel hard to have the mental space to sort your finances. Add to that the rising cost of living, surprise bills or expenses and suddenly, it can all feel too hard. As someone who is currently overhauling my habits, clearing debt and improving my finances, here is the advice I was given and the things that have helped me the most. Consider Help Depending on your circumstances, it might be worth getting...
about 1 month ago • 2 min read