The open secret to mastering your money

Women with CentsBlog, Budgeting, Debt, Money Mindset

Have you ever wondered why even in a wealthy country like Australia, most people still struggle to achieve financial freedom? Why it seems to be that no matter how much we earn, it still feels almost impossible to save? Why no matter how many times we write out a budget, it often feels like a case of one step forward … Read More

4 Steps to recession proof your finances

Women with CentsBlog, Budgeting, Debt

There has been a lot of recent talk in the media about Australia entering its first recession in almost 30 years. This means that for many, this is the first time they have encountered a recession in their lifetime or at least in their adult years. With that in mind, let’s tackle exactly what a recession is and what you … Read More

It’s time to be your own hero

Women with CentsBlog, Budgeting, Debt

Traditionally, the start of the new year is a popular time to turn over a new leaf. To set some fresh goals and intentions for the year ahead, regardless of whether or not we plan to follow through with them. As I sit here today choking on a cloud of smoke and listening to news of the widespread devastation that … Read More

4 simple steps to manage your cash and stick to your goals

Women with CentsBlog, Budgeting, Debt, Uncategorized

For years my husband and I struggled with managing our cash and building up our savings. I used to have fancy spreadsheets forecasting my cash flow (that’s my inner accountant shining through!) and I spent hours calculating what bills were coming in and when, and how much to put aside. Unfortunately, there were three downsides to this approach: And the … Read More

Four tips to help you beat the Christmas blues

Women with CentsBlog, Budgeting, Debt

There is no doubt that Christmas is a time of heightened and mixed emotion. There’s of course the ever-present fantasy of having that perfect family day: Taking the kids around town to look at Christmas lights (never mind that they spend most of the car trip complaining about how long it’s taking), singing Christmas carols (also known as doing my … Read More

Ever feel like you should have achieved MORE by now?

Women with CentsBlog, Budgeting, Debt, Investment, Mortgage

Ever feel like you should be well ahead of where you are now, especially financially? That feeling as though you work so hard and yet you have nothing to show for it? This is a feeling that many of us share. What’s more, often certain milestones can exacerbate that feeling of failure such as milestone birthdays (such as turning 40), … Read More

Is your job costing you money?

Women with CentsBlog, Budgeting, Debt

Do you find yourself earning a good wage but still struggling to get ahead? If so, it is time to consider whether your job is getting in your way. This may sound counter-intuitive, given that most people assume that the more money we make, the more we can afford to save and the more wealth we can accumulate. However, quite … Read More

My $150,000 mistake

Women with CentsBlog, Budgeting, Debt, Insurance

The biggest mistake I ever made was not paying enough attention to life insurance while I was young, fit and healthy. I first came across the term ‘life insurance’ when I was in my mid-twenties. I had just landed a corporate role at KPMG, and one of the perks was a life insurance policy and some income protection, paid for … Read More

5 Questions to help you Recharge and Reset for the New Year

Women with CentsBlog, Budgeting, Debt

With yet another new year upon us, the holiday period is a great opportunity to recharge, reset and if need be, turn over a new leaf. It is also a popular time for setting some new goals, which, lets face it, we have often long given up on by the time March rolls around. In order to have a greater … Read More