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

3 Secrets to avoid arguing about money

Women with CentsBudgeting

Last week I wrote about our relationship with money (in particular, our credit cards!), which made me think that while on the subject it would be worthwhile to explore the impact money has on our relationships. I did some digging, and came across some interesting (and concerning) stats from Relationships Australia: Woah! So on that note, this week I reached … Read More

My Four Biggest Money Lessons

Women with CentsBudgeting

Two months after my 18th birthday I migrated to Australia from my war-torn home country in eastern Europe – without my family. How’s that for jumping straight into grown-up land? On top of that, I came from a country where life (and certainly finances) worked very differently to the way they do here. For example, back then no one I … 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

Confessions of a shopaholic

Women with CentsBlog, Budgeting

Last week we spoke about budgeting and learned that the first step towards changing your spending habits is figuring out where your money is going. So, how did you go? Did you track your spending? For those of you that did, you may have been surprised by how much you spent. Maybe it’s all the little things that are adding … Read More