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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apathy towards charity

Over Saturation Results In Apathy

On my daily commute a few weeks ago, I walked my usual 400 metres from the station to my workplace. Within the first 50 metres there was a man collecting money for the Salvation Army. About 80 metres further up the road there was a man collecting money for Motor Neurones Disease research. A further […]

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Financial freedom book review - Financial Independence Australia

Financial Freedom Book Review – A Proven Path To All The Money You Will Ever Need

This post may contain affiliate links.   In 2010, at the age of 24, Grant Sabatier woke up one morning and decided to check his bank account. With all of his accounts combined, he had $2.26 to his name. In that moment, he realised he needed to make some changes… Some big changes!   So, […]

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cash rewards review: Australian cashback app

Cash Rewards Review – Australian Cashback App

This post may contain affiliate links. Please read my disclaimer for more information.   One of the great advantages of shopping online these days is access to cashback and rewards apps. These apps allow you to earn a percentage of cashback on purchases you make, such as holidays or simply your groceries.   In the […]

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How to protect your identity from identity theft

How To Protect Yourself From Online Fraud This Christmas

The Christmas holiday period is the biggest retail shopping event of the year. As a result, fraudsters try to sneakily scam us all of our hard earned cash over this period. Here’s 5 ways you can protect yourself from online fraud this Christmas.   Only shop online using secure HTTP (HTTPS) Hyper Text Transfer Protocol […]

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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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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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The unexpected benefits of being frugal

The Unexpected Benefits Of Being Frugal

As I recently mentioned in my Meet Spendy McSpender post, I’ve been on my frugal adventures for a year now. Throughout that year I’ve made a lot of frugal changes to our lives which have helped us cut our expenses and debt, as well as increase our savings.   These improvements to our personal finances were the […]

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The Flawed Consumer brings you the Switch Off series, post 1 - how to save money on coffee

Switch Off: 1. Coffee + Convenience = Stupidity

Switch Off is a new regular series that focuses on how switching off from the ploys of corporate marketing can save you money. Each month, we’ll post an article that explores marketing concepts and the genius ways in which corporations use clever marketing tactics to make you spend money on products and services you don’t […]

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