How much is too much?

Women with CentsBlog, Budgeting

This week I tackle another great question from the community: “Hi Tash, I’m wondering – how much is too much to be spending on a hobby?” Let me start by saying that life is there to be enjoyed! I believe we should make room for more fun in our lives, especially because many of us spend what feels like most … Read More

The dreaded C word

Women with CentsBlog, Budgeting

With the countdown to Christmas well under way it is important to prepare for what can quickly add up to being one of the most expensive holidays of the year. So for those of you who celebrate the holiday, here are some easy tips to save some cash – without scrimping on the Christmas cheer! Do you have any tips … Read More

Your survival guide to school holidays

Women with CentsBlog, Budgeting

So the school holidays are already upon us, and it isn’t easy (on you, or your bank account!) to provide endless entertainment for your youngsters. So we’ve come up with a list of activities that are fun and inexpensive, to occupy the little ones over the next couple of weeks. You might even find some fun in here for you! … Read More

Fixed or variable? Pass me the crystal ball….

Women with CentsBlog, Mortgage

You’ve probably heard that we are in an unprecedented market in Australia’s history when it comes to interest rates. Why? Well, rates in the early 90s were at over 15%. Today, the interest rate set by the Reserve Bank of Australia is at 1.50% – which is a record low, and there isn’t a lot of room to go down … Read More

Help I want to retire but still have a mortgate

Women with CentsBlog, Mortgage

“I’ve only got 12 years left of work before retirement, and I still owe $180,000 on my mortgage. I work as a nurse and for health reasons I’ve just had to cut back my hours from 76 to 46 a fortnight. I only have $50,000 in super as I was only working full time for 7 years. I feel my … Read More

Travelling on a budget

Women with CentsBlog, Budgeting

“Travel is the only thing you buy that makes you richer” – ANON Having the opportunity to travel is magnificent. The things you see, the people you meet, the experiences you have – there is nothing like it. And with many parts of Australia in the middle of some seriously chilly weather, a bit of winter sun care of a … Read More

Should I use my savings to renovate my home?

Women with CentsBlog, Mortgage

Today’s question comes straight from our community and I’ll be discussing the best way to fund your renovations! “My question is around re-mortgaging for renovations. Besides my mortgage I live debt free. I have a healthy amount of savings that I placed on my mortgage to bring down interest. If my renovation is to cost $50-$70k, am I better off … Read More

Should I buy now or save a larger deposit?

Women with CentsBlog, Mortgage

Ok ladies, this week we tackle the eternal property dilemma: “I’m a single mum to a six year old and I am hoping to have a house deposit together early next year, but I am not sure whether I am better off saving a larger deposit or just getting into the market as soon as I can. What do you … Read More

Could winter be costing you?

Women with CentsBudgeting

Despite the beautiful summer days we had in May, winter has now well and truly arrived. Things like energy efficient bulbs (some providers offer a free energy inspection and replacement service), door and window seals to stop heat escaping and water efficient shower heads can help you manage those costs. But what about unexpected things that might send your budget … Read More