2018 Victorian Car Registration Initiative | Personal Budget

Victorians will now be able to pay their car registration in quarterly or half-yearly instalments from January, two years after the Government flagged introducing the measure to help low-income families struggling with their bills.   This initiative gives all Victorians options (annually, 6-monthly or quarterly payments) regarding what has traditionally been one of the biggest single payments people make throughout the year – one which has been described by Emma King, CEO of the Victorian Council of Social Service, as an “annual wrecking ball through the family budget.” It’s these type of one-off large payments that people often struggle to […]

More

Who’s Who in the Financial Zoo? | Budgeting Advice

budgeting advice

If there is something you don’t understand about your finances, or something you wish to change, you might well turn to an accountant or a Financial Planner (aka a Financial Advisor), as these are seen as our society’s financial oracles. The only problem with this approach is that the solutions they give you will have a narrow focus – reflecting their respective areas of expertise. Accountants are tax minimisers. Financial Planners are product specialists in the areas of investments (including superannuation) and insurance. So the solutions you get from them will be based on tax, investments or insurance. Which is […]

More

7 last minute Mother’s Day gifts under $20 | Shopping on a budget

shopping on a budget

When shopping last minute, it’s easy to splurge and unintentionally overspend… When buying a gift, it can be difficult to find something meaningful if you’re shopping on a budget. But, don’t break the bank by overspending on items that aren’t necessary. If you haven’t included gifts in your budget in the lead up to Mother’s Day – don’t stress. We’ve come up with 7 Mother’s Day gifts under $20 that can assist you when shopping on a budget. Check them out below… 1. Photo Calendar Grab some family photos and get online! Personalised photo calendars are not only useful, but they also allow […]

More

“I don’t earn enough to afford personal budgeting” | Seeking budget help

budget help

As experts in both personal and business budgeting, we understand that’s it’s easy to establish and maintain some negative beliefs regarding money. One of the most common concepts we hear is, “I don’t have enough money to be able to save”, “I don’t earn enough to seek budgeting help” or “I don’t make enough money to be able to save any” – we hear these comments all too often from potential clients. When you’re not earning a large amount of money, or you have a lot of outgoings and expenses, it’s easy to feel like you’ll never save or reach your financial […]

More

Five quick tips to save on your weekly shop | Family Budgeting

Family Budgeting

PLAN YOUR MEALS (OBVIOUSLY!) It’s the most obvious tip around. But planning your meals is imperative when you’re wanting to stick to a budget. Don’t be wasteful, elements of certain meals can be transferred to others. If you’ve planned a meal that only uses half a tub of cream, make another meal with similar ingredients in the days after, so there’s no waste. GET CHOPPING! As soon as you get back from your regular shop, wash, chop & store your fresh fruit and vegetables! Instead of buying pre-cut (and wasting your money!) chop and divide your fresh fruits and vegetables into […]

More

Why people hire Financial Coaches | Financial Coaching

Financial Coaching

You’d hire a personal trainer if you wanted to lose weight… You’d hire a cleaner if you wanted someone professional to have your house sparkly-clean (or simply, because you didn’t have the time to do so yourself!) If you wanted your teeth cleaned, you’d go to a dental hygienist.. If you were struggling with your furry friend’s bad behaviour, you’d find a dog trainer… And if your backyard needed a face lift, you’d get a landscaper in sort it out. Why? Because these people are professionals in their field. Hopefully, (if you picked the right one!) accredited by the governing […]

More