how to get the best deal on tyres

How to get the best deal on car tyres

A few months back, my beloved and I needed to get new tyres for our car. Our car still had its original factory tyres on it, 6 years and almost 50,000 kms after it came out of the factory… So, it was time!   The last time I purchased a new set of tyres for […]

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Life Insurance, Income Protection Insurance and Total and Permanent Disability Insurance

Hidden Insurances: Are you getting the best deal?

I have had Income Protection Insurance (IPI), Life Insurance (LI) and Total and Permanent Disability (TPD) insurance within my superannuation account for the last 7 years. When my superannuation account was set up, these insurances were automatically set up too.   Recently, my superannuation provider, wrote to me advising that not only are my premiums […]

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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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