Know your worth? 6 ways women underestimate their value

Are you a women who knows her worth?

As women, you do your best by your family to make every cent of your finances work for you.

Know your worth? 6 ways women underestimate their valueWhen budgeting, we can spend a lot of time working out ways we can make a dollar stretch further. But what if we could change to the other side of the equation and work out a way to earn more?

The Great Divide

It is no secret that women, on average, earn less money than men.

The media will often come out with generalisations like the gender wage gap is currently 16%, or that men’s Superannuation is near twice the size of a women’s at retirement.

Whilst these statements are true, they do little to get the real issue the attention it deserves. Because these articles are often met with rebuttals like ‘women do more service based jobs like child care and nursing which are lower paid’ or ‘women take time out of the workforce to raise children’.

Comparing simple averages across the whole workforce allows people to pick holes in the argument. And then conclude that the wage gap is a myth.Continue Reading →

How Kylie makes over $10,000 a month reselling stuff

When I first decided to start my blog and was going through the process to select a name for my blog, a fellow finance How kylie makes over 10000 a month selling stuffblogger by the name of Kylie Travers was the very first person who opened me up to the wonderful community. 

She was the first to put up her hand and welcome me into the wonderful world of personal finance bloggers.

When I looked into her background a bit more I realised what an amazing women she is. So I could not be happier when Kylie agreed for me to interview her about how she makes over $10,000 a month just by selling stuff online!

Can you let us know a little bit about yourself? Your story is an inspiring which I am sure readers would love to hear a bit about.

I’ve gone from being a homeless single mother because of domestic violence to multiple international award winning CEO, speaker, author, charity and brand ambassador, as well as creating a lifestyle for my daughters and I that we love.Continue Reading →

Acorns Australia Review: the spare change jar of today

Acorns Australia is an App that can be said to replace the spare change jar of old.

Acorns Australia ReviewBack some years ago whenever I would get some spare change weighing down my purse, I would put it in a jar.

By the end of the year I had always accumulated a decent amount to deposit in the bank.

I never missed the spare change going into the jar and was always pleasantly surprised at how quickly it added up.

If you still use predominantly cash I suggest in my 50 ways to save more post about starting a spare change jar. And making savings jars with your kids can also be a fun kids activity.

However, as we move more and more to a cashless society, the father and son team behind the Acorns App has given us an option to squirrel away our spare change.

Except this time the change is invested virtually in a diversified portfolio.

How does it work?

Launched in Australia in February 2016 Acorns Australia followed in the footsteps of the launch in the US. It is an App that you download and link with your current bank account and credit or debit cards you might like to link up.Continue Reading →

50 easy ways to save money this month

Since I have started this blog it has made me notice that I used to be quite a good saver back when it was a necessary requirement due to my low income.

But as my income grew my spending also increased to the point where I was not taking any notice 50 ways to save more this monthof what I was spending money on.

When I did the sums in my quarterly update, you can see the sorry story that from a cash flow perspective we are spending more than we earn.

Once I noticed the trend, we have implemented a number of ideas to help us to save more this month.

Review your home insurance renewal each year

It just so happened that our insurance for our primary residence and one of our rental properties was due this month.

The renewal prices were creeping up each year and the past few times I have just paid them as they fell at times when I had a brand new baby taking up all my time.

This time around I spent about 30 minutes comparing options online.

Continue Reading →

25 work from home online business ideas

Before I dive into the list of 25 online business ideas I wanted to preface it by saying that there are two main factors that should be taken into account before you zone in on exactly what online business you would like to pursue.

Find something25 Work from home online business ideas for side hustles or to replace your job. that you are good at, are passionate about, or have an interest in.

Particularly if you are going to commence an online business as a side hustle whilst you also work full time, you will need to ensure that you pick something that you feel is worth dedicated your precious time towards.

A good way to help you settle on an idea is to brainstorm a full list of everything you are passionate about and interest in.

Once you have prepared this list then cross reference it against what you are good at.

This should narrow down the list to help you land on your idea. For example, I might really love crocheted items but if I can’t crochet or I am not good at it, then it is not the right business to pursue.

Ensure what you choose has the ability to make you money.

For example, say you decide to create crafts but the item you make take you a few hours to make and you can only sell it for a low value. Continue Reading →

Guide to the best Australian Cashback and Survey Sites

Back in my university days and when I was just starting out on my savings journey I was always looking for ways to help my savings grow.

One thGuide to the Best Australian CashBack and Survey Sitesing I stumbled across from recommendations from a savings forum I was a part of, was to complete online surveys and to be members of cashback websites.

Now becoming members of these websites are not going to make you a millionaire, but what I did find was that throughout the year I was able to build up enough points or cash to redeem them around Christmas to help go towards gifts.

These days I use spare time, such as when I am travelling on the train, to complete a survey.

It is not something that is going to return a good hourly rate so I wouldn’t suggest spending hours a day on this but if you do get small pockets of time, it can be a nice little cash bonus.

CASH REWARDS

This is a little gem that I discovered only recently. It is a cashback site rather than a survey site.

Basically the way it works is once you sign up to Cash Rewards if you make purchases from a large selection of online stores you will receive a percentage of cash back.

Continue Reading →

Wisdom with money helped us buy our first home

Money Lessons we learnt while we saved for our first home.Since our very first date, my husband and I have always enjoyed going to the movies.

My husband in particular had always been a big movie buff and after we got together we found ourselves heading to the cinema at least once if not twice a week.

When you add in popcorn and drinks and potentially dinner out afterwards we were easily spending a couple of hundred dollars each week on entertainment. Our spending was getting out of control.

But the years 2007 and 2008 were to be different.

These years we had agreed, as a couple, to forgo the fancy dates and instead spend time together without the drain on our wallets.

You see, we were saving for our wedding, honeymoon and a house deposit. There was money wisdom to learn.

Wisdom gained

Now, don’t get me wrong, we really wanted to pay cash for our wedding and also have enough to buy a place of our own but two years of saving and missing out on all the fun stuff seemed like so long.

Especially when all our friends where going out a lot and buying the latest gadgets and new fashion trends.Continue Reading →