11 Ways to Start Saving

11 Ways to Start Saving

  A lot of us are looking for ways to save, but finding ourselves short on time. Honestly though this doesn’t have to be a roadblock. This article is going to overview just 11 simple ways (there are plenty more) to start saving quicker than you probably thought...
The 50-20-30 Rule

The 50-20-30 Rule

  A lot of people out there are trying to figure out how to get ahead right now, and there’s a lot of financial advice out there for anybody looking. One such popular piece of advice is the 50/20/30 rule. This article is going to overview what the rule is, and how to...
Tooth Soap Recipe

Tooth Soap Recipe

    Yep, you read that right, Tooth SOAP! Many parts of the world use soap as a teeth cleaner and you might have noticed that people from some of the poorer parts of the world have lovely white teeth! How is that so? Well they are not eating processed sugars and white...
Save $500 on Electricity Bills

Save $500 on Electricity Bills

  What could you do with $500? I’m betting a delightful array of shopping spree possibilities are flashing through your mind. Wondering why I’m asking? $500 a year is the amount you could end up saving on your electricity bills by following a few simple tips to be...
Decluttering Your Home

Decluttering Your Home

  Clutter can be a huge source of both stress and mess. It’s hard to think straight when you’re constantly bumping into things in your own home, and it can make you feel really messy. This is not what home should be. Home should be the place you come to escape stress....
Change Your Finances in 30 Days

Change Your Finances in 30 Days

  A lot of people in the financial community have begun discussing the recent 30 day method as a way to control impulse spending. The basic idea is very simple in theory but can feel quite difficult to execute. This article is going to go over everything you need to...
Putting Peak Times to Work

Putting Peak Times to Work

  It’s going to get harder saving on the electricity bill – unfortunately when they raise costs they tend to raise them on the supply charges too before we even start to use the stuff! For instance my latest electricity bill was $456.64. $110.00 of that...
Kids and their Pocket Money

Kids and their Pocket Money

  For little people who don’t earn an income, it’s remarkable how often children have a little money in their pockets. From family gifts to parental allowances and beyond, there are plenty of ways those little guys find to scrounge up some cash every now and then....
Ten Ways to Simplify Your Life

Ten Ways to Simplify Your Life

 People really underestimate the value of simplicity. Simplicity allows clarity to flow freely, makes it hard to hold on to worry, and all around helps us to feel more focused and better. Yet we spend so much of our lives complicating things for ourselves that one...
Excited about what you’re doing?

Excited about what you’re doing?

 I’ve been thinking a lot about what I’m doing lately, and asking myself an important question: do I like what I’m doing? Am I motivated by what I’m doing? What’s driving my current goals, what I need to do or what I WANT to do? These are the types of questions we...
Get The Adults to Leave Home

Get The Adults to Leave Home

More and more children are making the return home after college and university. Post secondary education is more expensive than ever before, and leaves kids often high in debt and without a job yet. Having them move back in may seem like the logical next step, and may...
7 Ways Millennials Can Start Saving

7 Ways Millennials Can Start Saving

Saving is something a lot of us aspire to, and less of us actually get around to doing. In saying that, it’s important to start saving, no matter what your current income level is. It’s easy to tell yourself you don’t have enough to save right now, but I bet if you...
10 Tips for Financial Flourishing

10 Tips for Financial Flourishing

We all want to do well financially, yet it’s surprising how few of us have taken the time to think about what that will actually mean. This article is going to overview ten tips for getting clearer on how to flourish financially, from ditching the debt to planning for...
Homemade Baby Wipe Recipes

Homemade Baby Wipe Recipes

  We’ve collected a great selection of baby wipe solution recipes for you to try and we hope you find the one that works best for your baby. We’ve found it easiest to gently mix the baby wipe solution of your choice in a jar with a lid, then pour it into...
Do You Need a Financial Diet?

Do You Need a Financial Diet?

Have you ever been on a diet? Why? Maybe you wanted to lose weight, maybe you wanted to be healthier, maybe you just wanted to operate at the best your body could operate at. Whatever the reason, chances are you recognized that changing your diet, your plan for what...
Financial Guidance

Financial Guidance

Financial Guidance Handbook $15     The Financial Guidance handbook is an easy 5 step process that shows you how to manage the money you are now earning so you can enjoy your life without financial stress. Only $15.00 $15.00Add to cart   Simple Design Easy to read...
5 Ways to Save $1000

5 Ways to Save $1000

Here’s 5 Ways You Can Save an Extra $1000 What about giving them all a try and saving an extra $5000 in 12 months? Let’s take an average family of four spending about $250.00 a week on groceries at one of the major supermarkets. That’s a total of $13,000.00 for...
Groceries For $115 a Week

Groceries For $115 a Week

Does only doing the food shopping 12 times a year sound good to you? You’ll not only have more time, less hassle and save money but you’ll also have the piece of mind that your family is eating well. Keeping your grocery costs to a minimum while serving...
Something For A Rainy Day

Something For A Rainy Day

  You don’t have to look very far in the financial world before you find a host of advice demanding you keep an emergency fund. This fund is meant to cover everything unexpected, from car repairs to bill maintenance when you lose hours at work, or get a pay cut....
Live smart, live savvy!

Live smart, live savvy!

A lot of us doing research right now are out for the same thing, we want to live savvy. Being savvy happens when we take smart advice and apply it, it’s just that simple. So how do you live savvy? Follow some basic principles and tips and you’ll be well on your way....
Ten Ways to Trim the Food Bill

Ten Ways to Trim the Food Bill

  Groceries. That weekly wallet drain that (according to Australian Bureau of Stats) is sucking between $100 (single person) – $300 (family) each time it takes from you. That adds up, and can take a significant chunk away from your income (indeed food is often...
$1000 Gold Coin Challenge

$1000 Gold Coin Challenge

ee Who doesn’t like the idea of an extra $1000 in 50 weeks? I’ve come up with a saving challenge that I think is achievable and realistic for most people and it only takes your left over gold coins to do it! You simply start on any Monday and save a two...
Living Within Your Means?

Living Within Your Means?

  Living with the ability to save Learning to save is an exercise in the art of learning perspective, and what it means to manage money. You have to not only understand what it is to live within your means, but to live beneath them if you expect to grow a savings...
Track Your Spending

Track Your Spending

  Tracking spending – the old fashioned way Have a savings goal? Having trouble tracking why you haven’t yet reached it? Consider a savings journal. I’m not a journaler by nature myself, but even I have to admit that I’d be lost without mine. Keeping...
BOOK: The Great Life Redesign

BOOK: The Great Life Redesign

Periodically I’d like to share the books I have read and have found useful in my life and recommend them to you. I’ve had this book for years and am constantly picking it up and flipping through it to my favourite passages. It’s a source of...
Ditching the Debt

Ditching the Debt

  Decreasing your debt A lot of people make new years resolutions with fitness goals in mind. From dropping a few kilos to starting to get back into jogging, fitness seems to be on our mind when it comes to setting goals. But what about financial fitness? This article...
2017 YOUR year of freedom!

2017 YOUR year of freedom!

  A substantial portion of the population is in debt right now, every day of the year. It’s one of the most popular goals and resolutions, to get out of debt, yet so many of us never make it. Why? We are our own biggest enemy. This article is going to overview how to...
Liquid Laundry Detergent

Liquid Laundry Detergent

  This is a great recipe that you can use to save money and help cut down on the chemicals you use around the house. It makes a beautiful creamy mixture. To make it even smoother you can mix it with a paddle mixer on a drill or in smaller batches with a stick blender....
Ten Tips to Save at Christmas

Ten Tips to Save at Christmas

  Christmas is coming, and while this brings a lot of joy and family it can also bring stress with the financial burden of picking up gifts and dinners for everyone. In today’s market, with so many having been impacted by the recent recession, it can seem like a worry...
Four Fast Tips to a Cheaper Christmas

Four Fast Tips to a Cheaper Christmas

  Christmas is a great time of year. Everyone gets together, plenty of holiday dinners and cheer. The air seems full of happiness…and unfortunately bills. That being said, the good news is that you can be in control of how much money is spent – and with a few simple...
Not On The Same Savings Page?

Not On The Same Savings Page?

  Saving by yourself, and what to do about a partner who won’t Saving is a common aspiration, but not always something that people want to act on. It may take months and months of thinking about how nice it would be to save for something before you actually...
6 Holiday Money Saving Tips

6 Holiday Money Saving Tips

  Christmas is a happy time, a good excuse to get friends and family together – and even to make new acquaintances. It also comes as a heavy time of buying though, from gifts to new outfits to secret santa parties and catering, there are ample ways to drop a dollar...
5 Ways to Cut Cooking Costs

5 Ways to Cut Cooking Costs

  Food takes up a large portion of the budget, whether you’re single and spending on takeout, or a family who can barely get their groceries without giving up half their income. There are a lot of easy ways to cut the cooking costs, and this article is going to...
Cleaning in the springtime

Cleaning in the springtime

    Spring cleaning is a great time of year for getting your home in order. From giving everything that thorough cleaning it deserves to sorting through your stuff, there’s a lot that it does to bring your home a new sense of balance. That being said, it should...
Is anxiety leading you to keep things you shouldn’t?

Is anxiety leading you to keep things you shouldn’t?

  We all get into having a bit too much stuff every now and then. It’s natural. But for some of us, hanging on to things and becoming attached to them holds a deeper significance. It means they’re having a fear or anxiety that’s actually driving that need to buy....
Getting Rich Slowly!

Getting Rich Slowly!

  We’ve all heard of (and likely dreamed up) get rich quick schemes. Winning the lottery, inheriting a fortune, finding a winning contest prize or ticket of our dreams. There are a million get rich quick schemes, and all of them are about as effective as trying to get...
When enough stuff is really too much!

When enough stuff is really too much!

  I recently had the pleasure of helping a friend do a little spring cleaning. It’s not something I get to help with too often, but I actually really enjoy cleaning out clutter and my friend was willing to team up on hers. She found that with three kids, a husband,...
Financial Self Care

Financial Self Care

  Self-care has become an increasingly popular term for the things we do to ensure our personal wellbeing. People apply it to mental health, to friendship support, and many other areas of life, but often skip using it with finances. Why? I’m proud to say I’m...
Gratitude: The answer to frustration

Gratitude: The answer to frustration

  Are you finding yourself frustrated a lot? Your kids, your home, your job, your technology… none of it seems to be going your way? There may be something you can do about it, even without changing the situations you’re in, and it involves changing the things you’re...
What you need to know about Capsule Wardrobes

What you need to know about Capsule Wardrobes

  Capsule wardrobes have become increasingly popular within the minimalist movement, and for good reason. The idea behind a capsule wardrobe is to create a wardrobe with a few timeless, never out of style pieces, and rely primarily on it when selecting outfits. When I...
You really do have all you need

You really do have all you need

  Read the phrase above. Think about how happy you’d be if you actually embraced the idea. Now think about your life. If you’re sitting on a computer, with an internet connection, chances are you’ve also got a roof above your head, clothing to cover your body, and...
Make it on 50% or less!

Make it on 50% or less!

Once upon a time, there were two full time working individuals.They made good wages, worked hard at their jobs, yet somehow never seemed to have savings. They mostly spent more than they earned, and couldn’t understand why they were still in trouble after all their...
Online Shopping Hints and Hacks

Online Shopping Hints and Hacks

  Online shopping is a great way to save money and time. There are so many deals you can find and quickly compare prices around the web, but many people don’t know all the special tips to saving money and getting the most for your cash. You don’t have to be frugal to...

Have you heard of the 50/30/20 formula?

The 50/30/20 formula or rule of thumb was written by Elizabeth Warren and her daughter Amelia Warren Tyagi, and published in the book they co-authored, “All Your Worth: The Ultimate Lifetime Money Plan.” Now as with all formulas this wont apply to everyone but for...

Making Your Own Lamp Oil

  I’m really excited to show you how you can make your own lamp oils or catalytic lamp oil. I have a beautiful catalytic lamp I bought from Dusk and I love it! But it burns through the oil very quickly and the oil is SO EXPENSIVE! After a bit of research I came up...
What Would You Do With An Extra $2000

What Would You Do With An Extra $2000

  If you had or have an extra $2000 then there are a few ways you could use it to your advantage. What would you do with an extra $2000? Here are 7 tips to get you thinking: 1. If you have a credit card debt and are paying high interest every month on it then it’s a...
Get Your Whites REALLY White!

Get Your Whites REALLY White!

Ever wondered how to get your dirty whites clean again, really clean? Well this is how I do it and it works every time. Put all your dirty whites into the washing machine and cover with really HOT water (Boil water on the stove and add it if you can, the hotter the...
Dishwasher Cleaning Bombs

Dishwasher Cleaning Bombs

  You might know by now how much I love to make my own cleaning products, well when it came time to give our dishwasher a thorough clean I decided to try this recipe – and it worked perfectly! So if you’re into saving even more money around the home and are sick of...

$125 Weekly Meal Plan

  Here’s an example of a weekly meal plan for four people. You can use this to plan your own weekly meal plan by substituting your own recipes. But remember to stick to a budget of $125 for the week. This plan used products bought from Woolworths so buying from...

10 Ways to Save Money on Your Car

  Nobody likes to waste their money, at least nobody on Money Savvy Mums! Well there are a number of ways to reduce the money we spend every week to keep our cars running. Here’s 10 to get you started. Make sure your wheel alignment is correct and the brakes...

What Fuel Should You Use In Your Car?

  This is a confusing question to many of us. There are many different fuels on the market – do you know which fuel is best for your car? The starting point is to look on the inside of your fuel cap. It might say “Unleaded Fuel Only” or “Premium Unleaded Only” or “98...

10 Top Tips for Fuel Efficient Driving

  The way you drive and the condition of your car has an impact on the amount of fuel you use. Here are a few tips to help you save fuel and money. Minimise your vehicle use Vehicles are least fuel efficient and most polluting at the start of trips and on short trips....

Rethinking Thrift Store Shopping

  There are some terrific bargains to be had at your local charity or thrift shops these days. There’s no stigma to finding a bargain and putting your money to good use – do this for ten years and you’ll be way ahead of the pack! I’m not suggesting buying exclusively...

Income Protection Insurance

  God forbid if you are forced to take time off from work due to any illness or injury. Can you still keep up with your bills if this happened to you? Here’s where income protection insurance comes into play and helps you to cope financially while you recover....

Home and Content Insurance

  When a disaster strikes your home, the right home insurance policy will help you to pick up the pieces and rebuild. Home insurance covers the costs caused by any loss or damage to the home you own. With so many home insurance covers available, choosing the right...

Life Insurance

  You trust no one but yourself when it comes to providing the security and a comfortable life for your loved ones but what if you are not around or suffering from a critical illness?Would you be happy with the knowledge that your family will be provided and cared for...

Car Insurance

  Purchasing car insurance not only secures against costs caused caused by natural disasters, man-made calamities or unforeseen circumstances but also gives you peace of mind. We normally choose an insurance policy by the recommendations of car dealers, friends or...

Homemade Dishwasher Detergent Tabs

  Ingredients: 2 cups Washing soda (From the supermarket) 2 cups Borax 1/2 cup Epsom salts 1/2 cup White vinegar 20-30 drops of Lemon essential oil   Directions: Combine all the ingredients in a bowl and mix thoroughly with a spoon or gloved hands. Now simply place...

Before You Go Toilet Bombs

    Materials: 1 1/3 cup Bicarbonate of soda 1/2 cup Citric acid 30 drops each of three essential oils: (I actually used 90 drops of Blissful Essential Oil Blend) 3 drops of blue or green natural food colouring (optional but pretty) Directions: Combine the bicarbonate...

Firewood Savings

  If you have a combustion heater, pot belly stove or even a wood fire place you’ll know how expensive wood can be over the winter months. In fact it’s probably on par with electricity costs at the moment! Many people spend over $200 to fuel their wood...

Play N Wrap

Play N Wrap is a 2-in-1 product as it’s a storage bag and also a play mat; perfect for all those little toys your children just love to play with. When you lay the Play N Wrap out flat, it’s a circular, soft play mat for the children to play on with their...

Have You Tried Oil Cleansing?

  Oil cleansing has been around for centuries but it’s a fairly new concept for us. The basic idea of oil cleansing is to use a combination of natural oils to cleanse the skin and also to balance the skin’s own natural oils. Oil cleansing produces a more...

5 Savvy Cleaners To Make

  Note: These recipes are to fill 500ml spray bottles. Here’s what you’ll need: Savvy Cleaning Spray 1 1/2 cups White Vinegar 1/2 cup Fairy Dish Washing Liquid 1 tsp. Laundry Powder This cleaning spray cuts through grease and grime quickly and will clean...

Market Me – Idea Planner

No longer shall my office desk have scraps of paper with brilliant ideas on them just floating around! No longer shall my genius business thoughts be left on my desk to blow away… Wow, this is the business planner I have always needed! At whatever stage your...

3 Habits of Effective Mums

  There’s no doubt that our habits form our lives. If you’re habitually late, unorganised and feel ‘out of control’ then you’re going to have a harder time coping throughout the day than someone who is organised, on time for appointments and feels confident and in...

Rubifresh Skincare

We’re very excited this week to review a lovely Australian business, Rubifresh Skincare. We were very impressed by their Anti-aging Moisturiser and the results we were having after using it for only a week! The Rubifresh vision was born out of a desire to...

School Term Lunchboxes – sorted!

  This makes enough for one child so just double up or bake some extra cakes if you need to make more. Also we are removing the crusts so we can dry them out and make breadcrumbs, that way I know they wont be wasted. There’s always the option to buy cake mixes...

Ajana

Looking for a gift for that person who has everything, well, Ajana may just have the right thing. Ajana sell home-made body products and homewares and today we are reviewing their reed diffuser. Ajana sent us a lovely packaged reed diffuser in scent; lavender,...

Beautiful Bubbles Recipe

  Ingredients: 1 cup warm water 2 tablespoons liquid detergent (Fairy and Morning Fresh Original work well) 1 tablespoon glycerine (I get mine here but you can find it at supermarkets and pharmacies) 1 teaspoon white sugar Directions: Mix all ingredients together...

Bubble Mix – Safe and Savvy

Ingredients: 3  1/2 cups water – water that has been left outside for a few days works well 1  1/2 cups detergent (Morning Fresh Original and Fairy both give good results) 1/2 cup glycerine (I get mine here but you can find it at supermarkets and pharmacies) A...

Safe and Savvy Bubble Bath

This homemade bubble bath is the best recipe I’ve developed with castile liquid soap. It’s very gentle on the skin and the glycerine helps the bubbles form, stay and moisturise the skin too. Sometimes the mixture can separate, the glycerine can settle on the bottom...

Turmeric Golden Honey – The Strongest Natural Antibiotic

  Many of you have had experience using turmeric as a spice, someone for preparation of the widely known Golden Milk and the other recognized it only as a strong yellow powder found in healthy food stores. Only few know that the Golden Honey (turmeric combined with...

Little Innoscents

Little Innoscents is our business of review this week. If you Google ‘organic baby skincare’ Little Innoscents will be one of the first businesses you come across, with their vast range of organic baby products we are not surprised! Antonette Golikidis is...

Rival Golfer Clothing

Well, this is quite exciting because this business only launched it’s website on the 27th of May. So not even three weeks ago! We had better tell you who we are talking about – it’s the edgy golf clothing brand; Rival Golfer. Within their current stock...

Grocery Price Cut Down

  Let’s take an average family of four spending about $250.00 a week on groceries at one of the major supermarkets. That’s a total of $13,000.00 for the year. How can we save and reduce this amount? Saving money on groceries does not have anything to do with income,...

The Cheapest Shampoo and Conditioner

    These recipes have been around virtually since bicarbonate of soda was discovered! They really do work but they do take time for your hair and scalp to get used to so persevere for results. Once you have the mixtures to suit your hair you’ll never look back....

What’s involved with renting a place?

    If you’re thinking about moving out of home and getting a place to rent for yourself then you’ll need to be prepared for the process. It isn’t easy and if you are prepared in advance it will make the whole process smoother for you. Some landlords require...

Get Kids Cooking @ Home

This relatively new brand; Get Kids Cooking, is a monthly subscription based product which is a cooking kit for children (and their parents). This product review has been great fun; cooking in the kitchen with my little man. The whole pack was just wonderful because...

Adventure Snacks

Healthy to eat, Delicious to taste and Gorgeous in colour. Adventure Snacks has covered all these things with their Choc-Beet Muffins. Now these Choc-Beet Muffins come as a 300g pre-packaged mix and are made to include organic raw cacao powder and 100% beetroot juice...