Tips to make and save money, especially for Aussies. How I am clearing $59,973.72 worth of debt,As featured on ABC, Nine and Channel 7. Sign up for weekly tips plus freebies and discounts.
How to Make and Save More in the Last Quarter of 2026
How to Make and Save More in the Last Quarter of 2026There 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 FundHaving 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 financial milestone sorted. Check out how to get $5,000 by the end of the year. Look at these 24 ways to make money or 20 ways to make an extra $1,000 for some ideas. Clear Some or All of Your DebtIf you have a credit card, personal loan or other debt that weighs you down, do what you can in the next 3 months to clear it or as much of it as you can. Read these 6 tips for dealing with debt and debt collectors to help. Increase Your IncomeWhether it's starting a side hustle, getting a new job or a promotion, there are things you can do to increase your income. Read how to double your income for tips to do that. For side hustles, have a look at how we made an extra $33,277.57 on the side in 12 months a few years ago. Know Your Next StepsWhat is it you want to do or achieve in 2027 and beyond? Do you have a financial plan? What upcoming expenses will you have e.g. dental work, upgrading the car, home renovations, education expenses etc? Plan it out. Know your next steps, what you want and what you need to pay for so you don't get caught out. The unexpected can happen but many things can be planned for. E.g. you know at some point you will need to replace your car so start saving now. If you have kids you know they have birthdays, school fees, uniforms and things to pay for so plan accordingly. Check your progress and financial plan regularly so you know if you are on track. If you don't know where to start when it comes to your finances and next steps, try these articles. Plan now for emergencies and other obstacles, get an emergency fund and know what to do in different emergencies. Learn from others e.g. read how the top 1% wealthiest Aussies manage their finances. Develop good financial habits such as these 5 habits for financial success. Also these 12 habits for a healthier, wealthier life with more free time. Create clear goals with systems in place to develop the habits to achieve them. Cost of Living HelpEveryone is feeling the pinch with how expensive life is now. Check out the cost of living help available in your state plus other money, bonuses, discounts and things you might be eligible for here. Have a look at how to get freebies and some tips to get free gift cards to help too. Frugal MealsLearn how to use everything, how to substitute and how to get free or cheap food to make frugal meals. Take leftovers for lunch in a thermos or plan cold lunches such as sandwiches, salads, pasta, wraps etc. These ideas might help: Get $50 off Delidoor or check out other mealkit discounts here. What I Am ReadingClever Girl Millionaire isn’t just a book you read once and place on a shelf; it’s your indispensable guide to support you as you build real wealth, step by step, on your own terms. Each chapter is crafted not just to educate and inspire you, but to help you build momentum through action steps, thoughtful prompts, and practical exercises to help you apply what you’re learning in your real life. Written by Bola Sokunbi, a self-made Black woman millionaire and founder CEO of Clever Girl Finance, one of the largest personal finance media/education platforms for women in the US, this book helps you:
A celebration of ambition, possibility, and the power of financial empowerment, Clever Girl Millionaire is required reading for anyone seeking an inspiring and practical guide to wealth creation. The Thrifty Issue CommunityFor more and to connect with others check out The Thrifty Issue Facebook group, Facebook page, Instagram, Pinterest. |
The Thrifty Issue
Tips to make and save money, especially for Aussies. How I am clearing $59,973.72 worth of debt,As featured on ABC, Nine and Channel 7. Sign up for weekly tips plus freebies and discounts.
$100 Winner is.... Thank you so much to all who did our survey and the results were interesting and have given me a lot to think about. Also, thank you so much for the well wishes with running The Thrifty Issue and sharing my experiences. Our winner is Catherine, who has been emailed separately as well. Tips and Advice There were a few common themes in the survey, some of which have been covered on the site. By far, the biggest issue was groceries, followed by housing. I share some tips for...
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....
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...