Tips to make and save money, especially for Aussies. As featured on ABC, Nine and Channel 7. Sign up for weekly tips plus freebies and discounts.
Money Mindset Tips to Make and Save More
Money Mindset MattersHow you think about money directly impacts what you do with it. Our experiences growing up combined with life as it is now can determine if we are more likely to want to save or impulse buy. I grew up in a heavily religious household, my mum stayed at home and did the cooking, cleaning, sewing, running all 5 kids to everything etc. Dad worked for the government and did the outdoor stuff (plus made sure we, the kids, did our chores). We had a good house, got to play sports, had wonderful communities in both cities we lived in etc. Money was openly discussed, including with uncles who owned businesses (it still is). My parents were more conservative in terms of investing and business because they had us young and there was more pressure on them to be sensible, reliable etc I feel. As a result, I was conservative when I was younger but I knew how to do a budget, how to maximise my superannuation, the benefits of compound interest etc. With my mother passing away at 37 (I was 15) and Dad remarrying, the expenses they faced as a blended family with 9 kids, my views on money took a turn. Life is short and can be expensive. So I wanted to balance budgeting with living life my way. I didn't get to do that until I divorced at 27 and even then, it took years in an expensive custody battle, trialling lots of side hustles and various other things before we were finally free to do as we wish. It took a bit of work on my part, changing my beliefs around money and learning more but it was worth it. My kids and I have travelled extensively because I found ways for us to get paid to travel and learned tips to get it for free or super cheap. Whenever we've needed money, we've found ways to make it happen and so my kids have a more relaxed view on money and are keen to get into investing and doing more now they are older. Here are some of my tips to change your mindset: Have a Motivation WallI share the details of my motivation wall here. It's something I have done for years and when I have one, I am much more focused, motivated and my whole family seems to do better with money. Instead of a scarcity mindset, I have an abundance mindset when I have visual reminders like this. Abundance MeetingsInstead of budget meetings which feel restrictive, we have abundance meetings. Money is discussed, we review our expenses and income but also plan for our big goals and see how we are tracking. We make it fun instead of stressful and even if we don't have enough right now for whatever we are planning, we brainstorm ideas and trust that we can generate extra to make it happen. The Law of AttractionWhether you believe in it or not, I've found when I am focused on abundance and increasing my income, I find more opportunities and money flows. When I am stressed, holding tight to every bit of money that comes in, money seems to dry up. I talk more about manifesting money in this article. A lot of it comes down to believing in yourself, being open to opportunities and being prepared. "Luck is where opportunity meets preparation." ~ Seneca Develop Positive HabitsOur habits can make or break us. Often we don't realise how damaging some of our small habits can be or how it adds up over time. Check out 12 habits to improve your health, wealth and lifestyle for some of my favourites. Have a Plan or a GoalHow can you achieve anything if you don't know what you are trying to achieve or why? If you want to save money, why do you want to save it? What are you saving for? Try one of these 9 savings challenges to help keep you motivated. Check out how to achieve big financial goals and how to set and achieve goals for tips on making it happen. Lastly, read 25 ways to improve your finances in 2025. How To Get Your $125 Bonus From INGIf you are a new customer of ING you can get $125 for opening an everyday account with them by doing the following steps:
Then you get your $125 the following month when the promotion is running. Promotion periods vary. The current promotion runs until 31 March 2025. What I Am ReadingIf you want to improve your relationship with money, check out these books and look up the authors as most have podcasts and socials you can follow for more information and motivation. The Psychology of Money by Morgan Housel. Doing well with money isn't necessarily about what you know. It's about how you behave. And behavior is hard to teach, even to really smart people. Money-investing, personal finance, and business decisions is typically taught as a math-based field, where data and formulas tell us exactly what to do. You are a Badass at Making Money: Master the Mindset of Wealth. Learn how to save your money with one of the world's most exciting self help authors, Jen Scincero Lucky B*tch: A Guide For Exceptional Women To Create Outrageous Success by Denise Duffield-Thomas. Can you learn to be lucky? Self-made millionaire Denise Duffield-Thomas not only believes this is possible, she knows it's possible. Here, she shows how you can do the same. Unleash Your Inner Money Babe: Uplevel your money mindset and manifest $1,000 in 21 days by Kathrin Zenkina Rich As F*ck by Amanda Frances. In Rich As F*ck, Amanda Frances demystifies the topic of money, cracking the code of financial liberation and abundance. Once you finally see money for what it is and realize your power over your finances, life will never be the same. It’s time you know the truth about money. It’s time for you to have more money than you know what to do with. This is your blueprint. Discounts For You!Food and AlcoholFREE HelloFresh box: New customers only. We've used HelloFresh for years so grab your free box here! Up to $200 off YouFoodz: Try the healthy meal delivery plan for less with up to $200 off YouFoodz. Good Pair Days has a $200 welcome gift with their wine. VINOMOFO has up to 75% off wine plus free shipping Up to $190 off Marley Spoon: but this is split over your first 4 boxes. Grab your $190 here. Up to $144 off Dinnerly: one of Australia’s cheapest meal delivery services. Split across your first 3 boxes. Get your $144 discount here. EveryPlate has meals as low as $2.19 with this discount. 1500 bonus points and 10% off groceries with Everyday Extra. T2 has a selection of special offers for Lunar New Year. FREE MoneyUp Bank offers $20 instantly! I’ve been using them for 2 years now both in Australia and overseas. Get your $20 here. CoinSpot offers a sign up bonus of $10 in BitCoin when you invest $10 here. Score a bonus $20 when you sign up to Cash Rewards and buy something worth over $20 online where you normally shop. Shopback offers $5. Be sure to sign up to both because you will get cashback on ALL your shopping at stores they are connected with. $5 Cash from WeMoney: Track your money easily and for free with WeMoney and get a bonus $5 when you join and connect your first account. Use the code GHPT8091 to get your $5 here. OtherLoveHoney is an adult store that offers up to 70% off lingerie and adult toys. Ryder Wear is my preferred activewear and you get 10% off your first order plus they often have 80% off sales. The Thrifty Issue CommunityFor more and to connect with others check out The Thrifty Issue Facebook group, Facebook page, Instagram, Pinterest and Twitter. |
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Tips to make and save money, especially for Aussies. As featured on ABC, Nine and Channel 7. Sign up for weekly tips plus freebies and discounts.
How to Manage Big Financial Changes Financial changes can range from a promotion to job loss, a medical emergency to an inheritance. Any of these, and many other things, can significantly impact your finances, requiring different thinking and financial knowledge. As an example, we were meant to move to Fremantle, WA at the end of June but due to medical issues with my pregnancy, we can't. We found out 2 weeks before we were supposed to move so had to contact the real estate, daycare, high...
How to Make Your Tax Return go Further Whether your tax return is tax back from your job or Centrelink payments such as FTB, a lump sum such as this can help you immensely. I know some rely on it every year for day to day living and this year most are just hanging in until it arrives. There are things you can do to make it go further though. Switch to annual insurance if it's cheaper, clear debt or large bills, invest in something such as a course to advance your career etc. Check out all the...
How To Pay Less Tax There are numerous benefits to our tax system and how it provides for our country. One of the many complaints/questions I get a fair bit is about how the wealthy are able to pay less (or no tax) and how to do it. We have a whole article here 4 of Australia’s top 1% were interviewed about their finances. There are also books such as Tax Secrets Of The Rich: 2024 Edition (this is for the upcoming 2024/2025 financial year in Australia if you want to plan next year well). To...