Dear Readers...
I have been participating in what I call ‘ Naked Shopping’. I stopped taking my credit cards out with me and have saved heaps! No more impulse buying, we stick to the list so pester power has no power when I have just enough for the groceries in my purse and even the gossip filled covers of women’s magazines can’t entice me at the checkout!
Once I got through the ‘plastic detox’ I actually started to like resisting impulse. A magazine now and again is a treat to be savoured rather than an automatic purchase. The end result? Gratitude for the occasional treat and saving heaps on unnecessary purchases and interest.
I liken this to consumer behaviour before we had credit cards, you know ’the olden days’ as my daughter says,“when they used chalk on blackboards in class mummy”. We are excitedly putting the weekly supermarket save towards our next carefully researched online purchase - a WiiFit or treadmill.
This week, I challenge you to go ‘Naked Shopping’. Carefully write your shopping list and go to the shops with just enough cash in your purse and leave all plastic cards at home. You will feel naked and need to calculate as you go but the kids will stop pestering you when you tell them you only have $x amount to spend today. There will be no latte and you will hate me BUT you will save money. Then do it again next week! Let me know how you go - post your results here.
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Jane King
Mother to Emily 8, Cristian 14
Founder of Parenting Australia |
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Parenting Australia competition reminder
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Rafferty's Garden and Parenting Australia are giving away Rafferty Junior Food Critic T-Shirts to 12 lucky readers this week. To enter the draw, click here! |
| Dr Phil tickets still up for grabs in our competition. For more details click here. |
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5 Family finance tips - Beat the recession |
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Shop for bargains. Plan meals before shopping and make a shopping list. Stick to the list and don’t buy on impulse. Buy home-brand products. |
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If you’re in over your head with regard to credit card debts, try consolidating to a personal loan to reduce interest payments. An alternative is to consolidate your credit card debts to a new card with an interest free period and use the funds that you save on interest over this period to repay the outstanding balance. If you’re unable to consolidate, shift your credit card debts from the highest to the lowest interest option. |
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If you have a mortgage or investment debt, think about locking into a fixed rate loan now while interest rates are historically low to ensure repayments don’t rise when interest rates do. Something else to consider if you have a mortgage is moving to interest only repayments. This will free up cashflow for repayment of those debts that are attracting a higher rate of interest. However, beware of any fees or charges you may incur for switching. Interest only loans carry higher risks as you are not building equity in the property. |
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Contact Family Assistance to find out whether you qualify for family support payments, rent assistance or the one-off Back to School Bonus. www.familiyassist.gov.au |
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Ask your tax agent or accountant about recently announced initiatives in the Federal Budget designed to help families. One such initiative is the Education Tax Refund, which allows parents struggling with school expenses to claim a 50% tax refund on some purchases up to a total value of $750 for students in primary schools, and $1500 for those in secondary schools. Eligible expenses for the Education Tax Refund include laptops, home computers, home internet, printers, education software, school text books and stationery. Parents will be able to claim 50% of these education expenses through their tax return at the end of the financial year. |
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Imagine a life where you get to be a full time parent and have the fulfillment of a successful business!
● work from home
● choose your work hours around your life … & not the other way around!
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● travel to exotic destinations as a family
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● never miss one of their special moments again!
This incredible lifestyle business gives you the freedom to do all of this! After all, isn’t that why you had kids?!
Visit my website for more information & to hear my story! |
Parenting Australia Competition
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If you are a parent and always put your child first, then we commend you but sometimes it’s important to make time to take care of yourself too.
With findachiro.com.au you will find a local Chiropractor that understands your concerns and is a parent too. We take the time to listen to you, give you practical advice and guidance on how to get on with your day, without pain.
We understand that being a parent changes your priorities and that’s why we are reaching out to you with our “special new patient offer” where you get to visit a local certified Family Chiropractor for only $49. That’s a $162 saving.
If you are getting back pain from picking up your children and holding them on one side, or your headache is making your day more stressful and preventing you from attending to your child’s needs, then please don’t delay. Use our convenient service to find a solution to your back pain, neck pain or headaches now.
It will be one less stress you have to deal with. Find a quality, family friendly, Chiropractor near you! |
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The content of this article is not intended to replace professional medical advice. Any questions regarding a medical diagnosis or treatment should be directed to a medical practitioner.
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