This week Industrial Relations action commenced against my employer regarding our latest Enterprise Bargaining Agreement (EBA). This was mostly due to the fact that my employer’s wage offer under this agreement was a 0% pay rise for the next 3 years. This is the first time in my employer’s history of offering no wage […]
In May 2013, my dearly beloved opened a credit card account with the Commonwealth Bank of Australia. The primary point of this credit card was for “emergencies”. At the time, we didn’t have an emergency fund. In fact, we didn’t have any savings. So, it seemed logical, and rather responsible, to have some kind […]
This is a guest post written by Angela Pearse for zumper.com. Want to know how to move to a new house without getting stressed? Planning an event like this isn’t something you can just throw together at the last minute, there are a lot of different factors to take into account. If you don’t, […]
This post was written by Stacy Miller from kissyourmoney.com. Stacy’s blog aims to provide real-world advice, tips and tricks to make, spend and save extra money smartly. Conventional wisdom says that you should focus on paying back your creditors when you’re in debt, but is this really the case? When you’re in debt, saving […]
In early June, my beloved and I received letters from the Australian Government outlining that as we were now 31 we would be subject to the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) from 1 July this year. This notification has two potential implications for us. Firstly, if our combined MLS assessable […]
Welcome to the Beer O’Clock Brewing Sessions interview series. This series is designed to provide insight into the world of home brewing for beer loving frugal folk who want to save their pennies, but aren’t willing to give up beer to achieve financial freedom! The second interview in the series is with none other […]
What is salary packaging? Salary packaging, also known as salary sacrificing, is an arrangement between an employee and employer whereby certain items are paid for out of an employees pre-tax salary.Typical items include superannuation, cars, computers, electricity, etc. Salary packaging acts as an extra incentive for employee attraction and retention. Essentially, it’s a little […]
This article was written by Alexander from daytradingz.com | Alexander started investing back in 1999 and his fascination with the financial markets is still strong today. He started his blog in 2016, sharing his experiences in short term investing as well as revealing insights about major vendors in this segment. Success in day trading – […]
As I alluded to in my Spendy McSpender post, before discovering the Financial Independence movement I could be pretty shitty with money. Unfortunately, throughout my 20’s, it could be said, I was a bit of a Dumb White Girl with money. I didn’t value it as much as I should have; and I wasn’t as […]
Welcome to the Beer O’Clock Brewing Sessions interview series. This series is designed to provide insight into the world of home brewing for beer loving frugal folk who want to save their pennies, but aren’t willing to give up beer to achieve financial freedom! The first interview in the series is with USA based […]