Emergency savings? Check. Now what?

Women with CentsBlog, Budgeting, Investment

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“Hi Tash, I often hear that I should have an emergency fund which could be three months to a year of my expenses. Does that mean when I have more than this I should be spending, or investing, the money?” Well, most people tend to want to dive in head-first into investing (or spending!) their money, without really having a … Read More

The rules of saving

Women with CentsBlog, Budgeting

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There are a few questions that I get asked very frequently. How are you? How’s your little boy? What’s the weather like in Canberra? And what percentage of my income should be going into savings? I get it a lot! And I put it down to the endless rules of thumb that are being exchanged at Sunday barbeques around the … Read More

What comes first, the HECS debt or the mortgage?

Women with CentsBlog, Budgeting, Mortgage

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Hi Tash, I’m wondering what the best thing is to do, prioritise buying a house or pay back my HECS debt first? Is being completely debt free better than having a HECS debt and a mortgage? Or is HECS not something I need to worry about paying back so quickly? Great question! First of all, HECS-HELP is essentially a government … Read More

Women are awesome, and yet…

Women with CentsBlog, Budgeting, Investment, Mortgage, Superannuation, Uncategorized

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Women. Are. Awesome. In case you need it, here’s proof. On top of it all, we work, cook, clean, shop, chauffeur, pay bills – often all simultaneously. You do it, I do it, together we kick some serious butt! Unfortunately, despite how awesome women are… we still tend to pass the buck on important money matters. Divorce, which is becoming … Read More

I’m a single parent, will I ever own a house?

Women with CentsBlog, Budgeting, Mortgage

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Tash, I feel gypped! I built a house with an ex a few years ago, using my first home buyers grant and he ended up with the house. Now five years later I have full time job and I’m a single parent and it’s a lot harder getting a house the second time around. Do you have any tips to … Read More

New or used? Don’t miss this important step in your research!

adminBlog, Budgeting

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This week we tackle another common dilemma, this time on the subject of cars! Hi Tash – I hope you can help! My car is plagued with issues and is a total money drain, not to mention it also has a loan attached to it! I’m currently working on clearing a smaller loan which has an interest free period until … Read More

The cents-ible way to spend your tax return!

Women with CentsBlog, Budgeting

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It’s tax time! This time of year many of us are eagerly anticipating our tax refund and already planning how to spend it. Ok, so you can if you want, but before you do, I suggest having a read through some of the more sensible ways to use your tax return. Of course, your spending ability will depend on the … Read More

Should I cancel my private hospital cover?

Women with CentsBlog, Budgeting, Insurance

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  Let me start with a story. Two years ago, my husband’s work colleague was single, in his early 40s, and apart from an ongoing heart condition he was in pretty good health. He went in for scheduled heart surgery as a public patient, and everything went well so he was released from hospital. A few days later though, he … Read More

009: Recognising Abuse

Women with CentsBudgeting, Podcast

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This week we are shedding the light on domestic violence and financial abuse and joining me is Kylie Travers, mum and award winning CEO. Kylie openly shares with us her heartbreaking story of escaping domestic violence and fleeing her home with her 2 young daughters, with very little money or possessions. We discuss the common misconceptions about what domestic violence … Read More