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25.01.2022 #lessismore #frugal #instabudget

25.01.2022 #winterisagreattime to #freezeyourcreditcards #beatthebanks #saynotoonlineshopping

24.01.2022 #holidayfromspending #frugal #walkingawayfromthings #stoptextilewaste #savingissexy #2018financialgoals

23.01.2022 #happymothersday

23.01.2022 #saturdaymorning #croissant #allbutter #frugal #breakfastlover

22.01.2022 Trump's tariffs The future president Trump is proposing a tariff of around 40% on imports from China and Mexico. A tariff is a tax imposed on imported goods and services. They restrict trade because they increase the price of imported goods and services, making them more expensive to consumers. So, what does this mean? just say you live in America and want to buy a pair of $200 prada sunglasses that are made in China. The tariff will increase the price of these same sunglasse...s to at least $280. You may be aware that over the last 20 years China has become a manufacturing superpower, so the same tariff will apply to shoes, clothes, fridges, microwaves, cars etc. Get the picture? Okay, so we live in Australia it won't affect us?? Think about it, if Americans can't afford to buy as many Chinese goods over the next few years, the likely outcome is that Chinese companies will see a decline in profits. Some companies may fold, others will raise prices to maintain their production costs like wages, business loans, plant and equipment. Increased prices may flow onto the rest of the world including Australia. You may know that Australia is reliant on Chinese investment, for example, Chinese investors buy property developments around Sydney and the rest of Australia. Post-mining boom, the Australian property development industry is reliant on Chinese investment which contributes to our economy. You may be wondering who buys those who medium and high-density developments going up in major cities. If Chinese businesses close, or go bankrupt because they aren't selling as many goods anymore, unemployment will rise in China. Some of those closed businesses and their employees may be investors in Australia, who will no longer be able to make repayments. This might result in an oversupply of property in Australia. If developers can't sell these properties it will increase the supply and owners may need to reduce prices so people will buy them. This may flow onto the broader property market. Some property developers may go bust, leading to an increase in unemployment. I'm not saying this will definitely happen. It's a possible outcome of trade restriction mechanisms like Trump's tariffs. Trump is proposing a protectionist policy thereby reducing America's participation in the global economy. This is a huge impact given the size of America's economy. Australia and others in the Asia-Pacific region are not insulated from this. Watch this space and watch your dollars. See more

21.01.2022 #breakfastlover #caffeine #sugar #zingzingzing @bombolini_doughnuts @doubleshotdeakin @cbrfarmersmkts

20.01.2022 #thrifty #ginalinetti #brooklyn99 #savingalltheseyears #growupjake

18.01.2022 Mood #independentwoman #throwyourhandsup #destinyschild #iboughtit

17.01.2022 #sorrynotsorry #sometimesyoujustgotta #justdoit #cinderellasshoes @davidjonesstore @stuartweitzman

15.01.2022 #stepnumberone #selfcontrol #makewayforbliss

14.01.2022 #groceryshopping #shopthepantryfirst #pantryshopping #frugal #reducewaste #googleingredients #findarecipeforthem #dontforgetthefridge #frugalliving

14.01.2022 Your credit card may offer an interest-free period of eg up to 55 days on purchases. This does not mean every purchase you make is interest-free for that length of time. It depends on when you buy things. The most important thing to remember is that you only get your purchases interest-free if you pay your monthly statement in full by the due date. If you dont pay the full closing balance by the due date, a few things happen: You forfeit your interest-free period. Intere...st is calculated on every purchase on that statement from the day you made them (minus any payments you made to reduce your balance). Its a months worth of interest, calculated on the balance of your card each day. What this means is that you end up paying more for your stuff, including the stuff you bought on sale. You dont get an interest-free period for your next statement period either. This means youll pay interest on the whole of the next month's statement calculated on the daily balance. Fees will also attract interest. Good habits Pay your closing balance in full by the due date to avoid interest charges and keep your interest-free days in the next statement period Make your big purchases at the start of your statement period

11.01.2022 #budgetbabes #getthisapp #free #asic #moneysmart #trackmyspend #2018goals #frugal #financialfreedom

09.01.2022 Happy international women's day.

09.01.2022 #whynot #creditcarddress #americanexpress

08.01.2022 Super check up There are simple things you can do that can make a difference to your super savings over time. 1. Check your super statements:... o your balance o contributions made to your account during the year - make sure your employer is paying the correct amount of super for you. o any insurance cover you have (the fund charges a fee for this) o fees and performance (Super funds charge you fees for the services they provide). 2. Make sure your fund has your TFN Your TFN should be recorded on your super statement. If its not, contact your fund. The benefits of providing your TFN are: o your fund will pay less tax on employer contributions (and pass the savings on to you) o you keep track of your super account/s o you capture government super payments for example, the government co-contribution o you can make personal (after tax) contributions. 3. Consider government contributions If you earn up to $51,021, and make personal (after-tax) contributions into a super fund government will make a co-contribution into your super account. In 2016-17, if you earn less than $36,022 and put $1,000 into your super account you'll receive the maximum co-contribution of $500. If you put less than $1000 into your super, the government will match up to half your payments, with the minimum payment being $20. 4. Salary sacrifice Salary sacrifice is when you and your employer make an agreement to pay some of your before-tax (gross) salary or wages into your super. If you want to make salary sacrifice contributions, talk to your employer about it first to make sure they allow it and so you know what the benefits will be to you. 5. After-tax contributions After-tax, or non-concessional contributions are made after tax has been paid on the money. They include: o personal contributions from your after-tax pay that you are not allowed to claim as an income tax deduction these contributions can qualify for the government co-contribution o contributions your spouse makes to your fund on your behalf. 6. Planning for work breaks Making extra super contributions while you are working can help prepare you for work breaks such as parental leave. If you're married, your spouse can make super contributions on your behalf and may be entitled to a tax offset.

08.01.2022 #whatweneed #lessthings #lessstuff #morelife

05.01.2022 #frugalfriday #fiveweekstochristmas #youcandoit

05.01.2022 #goals #actyourwage #financialfreedom

05.01.2022 #poverty #women #amanisnotafinancialplan #notmykindofpie

04.01.2022 Financial abuse Financial abuse is a form of domestic abuse. A partner who controls your money is controlling you - this is abuse. Do the test - do you: feel stopped from getting (or keeping) a job hand over your wages or benefits... ask your partner or others for money account for every dollar you spend eg by showing receipts feel worried if you spend money on yourself or your children Does your partner: control your bank account/credit cards? get angry when you purchase something for yourself? make a big purchase with your joint money without consulting you? steal, take or demand money from you? run up debts in your name? Financial abuse can leave you feeling isolated, lacking in confidence and trapped. You should seek assistance immediately. Healthy couples are proactive about their financial situation. They work together to address money concerns and create manageable goals for their future. By adopting these same habits, you improve your chances of a successful relationship. Healthy habits: Scheduling regular financial meetings Keeping emotions out of financial discussions budgeting and record-keeping is a joint effort Splurging from time to time Creating manageable goals and realistic expectations Getting help when it's needed See more

04.01.2022 #coffeelovers the #monthlysavings from usingis#yourewelcome

04.01.2022 #sundaysavings #whysl when you can @sportsgirl regram @jessjrowe

03.01.2022 Have you got your house in order?

03.01.2022 #branding #power #alkalisinggreens #samething #neitherturnsyouintoasupermodel #savings #greenpowder #greensavings

02.01.2022 #psychologyoffinance #thewantmonsters #kidsbookswelove #chelomanchego #teachyourchildrenwell #goodforadultstoo #frugal #moneysmart

01.01.2022 Wise words from a beautiful soul. RIP