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

The dangers of online shopping

Women with CentsUncategorized

O.K. ladies, I’m crossing over to the “dark side” today. We’re going to talk about a topic that is not particularly well liked amongst the general public. A topic that only ever comes up at BBQs when a friend has had a bad experience. A topic that can be complex and confusing. I’m talking about….life insurance. Now STAY WITH ME … Read More

How do you measure up on THIS scale?

Women with CentsDebt, Mortgage

Now don’t get any ideas, I’m talking about your credit score! If you have ever come across the term ‘Credit Score’ or ‘Credit Report’ and wondered what the heck that is all about then you are not alone! Here are some insights into what it is and how it can affect your application for a loan in the future. A … Read More

Paying down multiple debts is as easy as A, B, C…

Women with CentsDebt

This week I want to tackle another great question from one of our community members: “What’s the best way to pay off loans when you have a few? We have a mortgage, a car loan, and a couple of credit cards. Should we consolidate all loans into one, or should we start with the smallest first?” Well, the answer is … Read More