The Joyful Frugalista Book Review: Grow Your Cash, Be Savvy With Your Money and Live With Abundance

This post may contain affiliate links.   Serina Bird is not your average middle-aged woman. She is a single-mother of two young boys, recently remarried. A domestic violence survivor. A career woman, award winning writer, blogger, food reviewer, fluid chinese linguist, and lover of life.   Additionally, she is a self-made millionaire; whom has achieved […]

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cheap ways to treat your partner

How To Treat Your Partner Without Breaking The Bank

When we first embarked on our financial freedom journey, one of the things I wondered about was how it would affect our relationship. This is because, almost everything we did together as a date involved spending money. Whether it be going out for a nice dinner, buying freshly cut flowers, or other presents; treating each […]

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8 ways to save money on heating and cooling

8 Ways To Save Money On Heating And Cooling Your Home

This is a guest post by James Pointon for Open Agent.   Heating and cooling can take up a large chunk of your energy bill, so finding ways to minimise these costs can save you a lot of money. As an added benefit, if you ever decide to sell your property, some of these methods […]

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A Firm Grasp on Your Personal Finances: 8 Clever Tricks to Keep Your Spending in Check

Nothing justifies the statement ‘easier said than done’ more than saving money. At the beginning of the month, you outline how wisely you want to spend your income – but, in the end, you realise that you spent way more than you had planned.   Overspending is a habit that inhibits the saving efforts of […]

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How to save money on DIY renovations

How To Save Money On DIY Renovations

Last year, my beloved and I embarked on our first home renovation adventure. As it was our first mission, we thought it apt to focus on something fairly straight forward. So, we decided to focus on our garage and laundry.   Both of these areas were in desperate need of a face lift. The floors […]

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What to do when your friends have a huge travel budget and you don't

What to do when your friends have a huge travel budget (but you don’t)

This is a guest post written by Monika Gudova for Mozo.com.au.   As “fun” as it may be, sometimes we all need a break from the world of walking-meetings and hot-desking, so when your bestie asks you to join her for a 14-day European vacay, you say yes – with bells on!   That is […]

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Can salary packaging be used to get out of the Medicare Levy Surcharge?

Can I use salary packaging to avoid the Medicare Levy Surcharge?

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 […]

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salary packaging to make your wealth grow

What’s the deal with salary packaging?

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 […]

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Day trading introduction: daytradingz.com

Success in Day Trading: Truly easy, or is that a myth?

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 – […]

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How to negotiate a better deal using the principles of negotiation

Good negotiation skills are a key tool for your wealth maximisation toolbox

Recently, I wrote about how I negotiated a competitive discount with my electricity supplier. In this post, I spoke about how research, preparation and a little bit of courage are paramount to negotiating a good deal. Consequently, I thought I would elaborate further by sharing my thoughts on how to negotiate a better deal by […]

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