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

So you have a budget… Now what?

Women with CentsBlog, Budgeting

For those of you who have been following, over the past few weeks we have been through a lot! We have dug deep into our finances and our motivations, set some pretty ambitious goals for our money, and a lot of you have been brave enough to share your experiences in our Facebook group. So I wanted to start by … Read More

My top 3 money challenges and how to beat them!

Women with CentsBlog, Budgeting

I always get asked “what’s the best way to manage my money”? Unfortunately, there is no one-size-fits-all answer to that question, it really does come down to what works best for you. But I can share with you what works for me and why! I used to have fancy spreadsheets forecasting my cash flow (that’s my inner accountant showing herself!) … Read More

You can have your latte and drink it too!

Women with CentsBlog, Budgeting

Over the past few weeks we have talked about setting up the right foundations for a successful budget. You’ve spent some time understanding where your money is going (if you were really honest, where you could afford to cut back a little) and you’ve set some goals for where you want to be financially. Now comes the exciting part! Remember … Read More

Are you kicking goals the SMART way?

Women with CentsBlog, Budgeting

Over the past couple of weeks we have had some great discussions in the Women with Cents Facebook group about budgeting (join here, if you haven’t already) and it is great to see so many of you ready to take control of your finances! So this week, I want to talk to you about goals. Have you cancelled your 2016 … Read More