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Beautiful budget weddings

... beautiful, budget-conscious … Continue reading "Beautiful budget weddings" ... a date, is with a budget. Understand how much you can ... their photobook templates. Forget about a DJ or wedding singer; manage your ...

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5 Ideas for Homemade Christmas Gifts (from the heart!)

It happens to us every year - the jolly season of the year approaches quickly, and you start wondering what to get your loved ones. You start doing mental acrobatics ... if you're on a tight budget, we've got you covered! Homemade ... time by finding some free templates online, but hand-written vouchers are ...

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Introducing the new Official MyBudget App

... convenience of being able to manage your budget on the run from ... ... convenience of being able to manage your budget on the run from ... you want, free from money worries! Download the Official MyBudget App now ...

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The Santa factor: Managing kids' Christmas expectations

... list went on. Being a budgeting type, I've talked to my ... … Continue reading "The Santa factor: Managing kids' Christmas expectations" ... manage kids' expectations without undoing the magic of Christmas or your budget. ... year? Children who earn pocket money might be expected to set ...

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Life after bankruptcy—an interview with Girl Bankrupted

"My first full day of bankruptcy was surreal. I didn't feel any different but I had a sense that somewhere, somehow, the machinations of the world outside were groaning ... and its far-reaching consequences through budgeting. When it comes to bankruptcy ... managing all my admin. I'd rather have someone else manage that [my money ...

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Mobile energy app helps keep power costs down

In my last article, I mentioned that my husband Nathan is addicted to the AGL Energy mobile app. In this post, I explain how it works and why Nathan likes it so much ... is great for budgeting, and it's easy to manage multiple energy sources ... Energy mobile app can be downloaded from the App Store or ...

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Free stuff

This collection of web resources is free and easy like the Sixties: The good people at Give Away of the Day live up to their name by giving away a free piece of licensed ... Amazon. Search for “free MP3 downloads”. Do you spend hours in ... on the bus each week? Download free audio books for your ...

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Home Loans

... reach their financial goals through budget management.There was a clear need ... be an effective way of managing your finances. Generally, home loans ...

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Home Loans

... reach their financial goals through budget management.There was a clear need ... be an effective way of managing your finances. Generally, home loans ...

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The 7 Habits of Great Savers

... saver? If you have any money at all in the bank ... ... destination) with the benefits of budgeting (creating a detailed plan). For ... safety net represents. It's about managing your money consciously to achieve the ...

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Too many bills, not enough money

... "Too many bills, not enough money" ... a personal budget A long-range budget will show you where your money is ... going and help you take control of your finances. Managing ...

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Budgeting time: the cost of technology

Time. Even more than money, it's the one thing everybody ... 12.9 hours on … Continue reading "Budgeting time: the cost of technology" ... occurs when we analyse a budget over the long-term. In this ... towards managing time better. Time is money, but it's more than money. It's ...

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Sole parent trying to make ends meet

This is Lisa-Ann, a MyBudget client living in Western Australia with her young daughter and son. I asked Lisa-Ann if I could share her story with you because her situation ... tells me. “But eventually I managed. I cut down on certain ... : “Some people aren't good at managing money and I'm one of them. ...

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Leah McNamara: living the dream

It's unfortunate that for lots of people work is drudgery. Another day another dollar, a means to an end. It can feel even more unfair that the rarified few who get to ... later did stints in personal budget consulting, office management, and numerous ... says that the key to managing such a big group is ...

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MyBudget’s HQ moves to the Adelaide CBD

Adelaide Lord Mayor Michael Harbison opened MyBudget House, located at 144 North Terrace, on November 4, 2010. MyBudget's new headquarters accommodate 45 staff and provide ... , I was managing a handful of people’s budgets. I started talking ... isn’t just a personal budget service, we’re also here ...

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MyBudget’s HQ moves to the Adelaide CBD

Adelaide Lord Mayor Michael Harbison opened MyBudget House, located at 144 North Terrace, on November 4, 2010. MyBudget's new headquarters accommodate 45 staff and provide ... then, I was managing a handful of people's budgets. I started talking ... , MyBudget isn't just a personal budget service, we're also here to ...

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Manage good debt, minimise bad debt

... as groceries, clothes … Continue reading "Manage good debt, minimise bad debt" ... and everyday purchases. Creating a budget which incorporates all of your ... card. Manage good debt by: Not over-committing yourself. Creating a budget which ...

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Blessings beyond money

... face … Continue reading "Blessings beyond money" ... with few advance symptoms. Surgeons managed to save John's life, but ... the pressure off Ros by managing the couple's bills. This allows ...

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Super-duper-annuation

As you know, every MyBudget client-no matter how dire their debt or financial situation-has a savings plan. My question today is: What are you going to do with your savings ... paid into. Click here to download or order the form you'll ...

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Saving for Christmas

The winter chill has barely faded and it's already time to turn our minds to Christmas. It's never too early to start saving for Christmas presents. In fact, if on January ... and then. If your Christmas budget is unaffordable, you'll need to ... , or an iTunes voucher to download their favourite song. Ask people ...

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Ways to increase your income

... household or personal budget doesn't balance (there's more money going out than ... ... our clients' creditors. By managing our clients' budgets for them, we also ... Ask your boss for more money. I'm not suggesting that you ...

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'Make A Difference' program – winners announced!

Everyday Australians' stories of hardship, illness and heartbreak flooded into MyBudget when we called for submissions for our inaugural 'Make A Difference' program. ... , South Australia, who has been managing to keep on top of ... financial stress, so some extra money has a big impact, especially ...

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Help ageing parents with their finances

There's a saying I once heard: If you want to live a long life, you have to look forward to a lot of old age. And Australians are certainly getting older. In the early ... position and their ability to manage their own affairs. The question ... them put together a household budget, make sure you understand all ...

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Christmas is coming… like Christmas!

... and check what you have budgeted for … Continue reading "Christmas is ... ... , or an iTunes voucher to download their favourite song. Ask people ... the “perfect” Christmas. Plan and budget for your perfect Christmas, not ...

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Slow cooker recipes from readers

... ago we talked about saving money at the supermarket by buying ... ... ago we talked about saving money at the supermarket by buying ... beginning of the cooking time. Download this meat cuts and cooking ...

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Debt agreement ads: investigation exposes fox in sheep's clothes

The Consumer Action Law Centre has investigated the web advertising of some Australia's most high profile debt agreement administrators and found that many of their claims ... clothing. Debt administration companies make money by putting people into debt ... set up the agreement and manage it on an ongoing basis. ...

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Meal plan and save money

... misconception that living on a budget means eating two-minute noodles every ... watching how they spend their money. I've lost count of how ... ... misconception that living on a budget means eating two-minute noodles every ... Shopping Planner that you can download from the Members Website. Just ...

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Wedding gifts: how much should you spend?

I recently read about a wedding gift incident in Canada that went viral. The story goes that a man and his girlfriend went to the wedding of an ex-colleague. Their wedding ... ideas: Make a wedding video, manage the music at the reception ... reasons we set aside money, so celebrate! Budgeting has its own rewards. ...

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What to Expect When You Join MyBudget

What do you get when you join MyBudget? The best way to answer that question is to hear from real MyBudget clients about their experiences: ... holidays.” • “We don't fight about money anymore.” • “I love the convenience ... take your budget home or we can offer to manage it for ...

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On the fast track to savings

Tony and his wife, Rhonda, are both in their forties. They've been married for 25 years and have a 17 year old daughter, Alexandra. Tony works as a customer service manager ... helps Tony and Rhonda to manage their living expenses on a ... her involvement in household budgeting, is learning about money management and how ...

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Blindsided by unexpected debt

Sometimes money troubles happen when you least ... ... was unknowingly developing her own money problems. While travelling with her ... MyBudget to create and manage their own budget. “Our habits and sensibleness ...

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Affordable children's parties

Keeping up with the Joneses - not to mention the Beckhams - is one of the fastest ways to find your finances going backwards. It used to be enough to aspire to the haircuts ... loved it. Create a party budget One of the greatest gifts ... it easy to manage your party costs within a budget because you ...

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Wear your pyjamas to the supermarket

... a major hazard for your budget. Little things add up quickly ... ... family budget. She found that by grocery shopping online, she could manage ... the family food budget down to the last ...

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It’s freebie time!

At MyBudget, we love free stuff. It's not just about being cost-conscious - it's also about being resourceful and efficient. Here are some recent freebie finds that ... ://www.hallmarkcards.com.au/ecards/birthday?p=2 Free music downloads: https://www.guvera.com/ and http://www.reverbnation.com/ ...

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If you think you can, you’re right.

Before 1954 when Roger Bannister ran the first four-minute mile, people said that it was impossible. Scientists said that the human body wasn't capable of it. Nay-sayers ... a year, but we had managed to amass over $80,000 ... we struggled to adopt frugality, budgeting, and life without constant credit. ...

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The businessman and the fisherman on the meaning of money

... I wrote a post about money misconceptions and I tried to ... address some popular misunderstandings about money. This week I want to ... a parable ... address some popular misunderstandings about money. This week I want to ... several more boats and eventually manage a fleet of boats and ...

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Good money management habit: think before you spend

... MyBudget. They told me, "My money management has improved because now ... stopping to think before spending money. It sounds like common sense . ... Remember, the aim of this money management challenge is not necessarily ... , is that the more you manage your money consciously, the wiser your ...

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Super-duper or drooper: How does your superannuation fund compare?

When was the last time you checked how your superannuation fund is stacking up against all the other funds out there? Comparison ratings for 2012 have recently been published ... services and administration. It rates managed funds using an apple system ... the best. How does your managed fund compare? Chant West also ...

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A new (free!) magazine for entrepreneurial women

I was recently invited to become a contributing columnist to Samara Magazine, a new online magazine that's designed for women interested in business and entrepreneurship ... when budgeting reveals how much money they waste on stuff. Personal budgeting is ... your income fluctuates. I only managed to survive the early years ...

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Ready for March madness? How to budget for fun.

... talk about the importance of budgeting for fun. Big financial goals ... goals in your budget, too. Fun stuff-like budgeting for a … ... talk about the importance of budgeting for fun. Big financial goals ... beginning. You'll also need to budget for food, drinks and transport. ...

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Budgeting for fun (video blog)

... all about the importance of budgeting for fun. Many of your ... smaller goals in your budget. Fun … Continue reading "Budgeting for ... all about the importance of budgeting for fun. Many of your ... smaller goals in your budget. Fun stuff, like budgeting for a concert ...

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Lauren Clarke: leading by caring

When Tammy May reflects on MyBudget's rapid growth over the last decade, she says that staff have been one of the key ingredients. "When I launched MyBudget, I knew we ... our core values.” Today, Lauren manages a team of 36 people ...

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Budgeting for a baby

... , newborn bundles can sure be budget busters. To help families with ... , we are pleased … Continue reading "Budgeting for a baby" ... , newborn bundles can sure be budget busters. To help families with ... It's important for parents to budget for extra utility consumption, especially ...

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Budgeting for a new baby (video blog)

This month, Tammy's video blog is all about budgeting for a new baby, and she starts with a very special personal announcement. Tammy May's May 2014 video blog This month, Tammy's video blog is all about budgeting for a new baby, and she starts with a very special personal announcement. Tammy May’s May 2014 video blog

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Need more cash for your Christmas stash?

... posted a video blog about budgeting for Christmas. Is your Christmas ... budget looking leaner than you'd like? ... ... posted a video blog about budgeting for Christmas. Is your Christmas ... : $400+) Cut your weekly food budget by $10 (potential saving: $80 ...

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How are you budgeting your time? (video blog)

In my February vlog, I share some tips about budgeting your time. Time is our most precious resource and the very stuff that life is made of. Have fun and spend In my February vlog, I share some tips about budgeting your time. Time is our most precious resource and the very stuff that life is made of. Have fun and spend it wisely! Tammy May’s February 2013 video log

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More tinsel for your Christmas budget

... I posted an article about budgeting for Christmas. If you've worked ... out your Christmas budget and it's looking leaner than ... "More tinsel ... I posted an article about budgeting for Christmas. If you’ve ... habits) Cut your weekly grocery budget by $10 (potential saving $120 ...

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Struggling with credit card debt? Some of your options.

Are you struggling with credit card debt? Are you thinking about a debt consolidation loan or a credit card balance transfer? Both options come with pros and cons. Let ... having a personal or household budget in place, debt consolidation or ... underlying causes of credit reliance. Budgeting is the only way to ...

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Budgeting for baby

... be perfectly honest, babies are budget busters. The greatest expense of ... -quits work to … Continue reading "Budgeting for baby" ... be perfectly honest, babies are budget busters. The greatest expense of ... to create a revised household budget before the baby arrives. Your ...

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Aussie credit card bill reaches record high

On 16 January, 2010, the Sunday Mail reported that Australia's total credit card bill has reached a record high of $48.8 billion. Combined with the highest interest rates ... reliance on credit. When you're budgeting correctly, you won't need a ... purchasing items in your budget, at the budgeted amount. Then pay off ...

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Hidden costs of buying a home (infographic)

Using the national median residential dwelling price of $576,100, we explore the costs of buying a home. What are the hidden extras you need to budget for? ... a home deposit Create a budget—budgeting is the only way to ... place sooner with a customised budget plan to fast track your ...

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10% discount on tax services + answers for free!

It's nearly tax time and, after the Federal Budget, I imagine that a lot of people are going to have tax questions. Here are some ways to get tax advice for free ... time and, after the Federal Budget, I imagine that a lot ... 9 years ago we have managed to become debt free and ...

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Adult children still living at home? How to help them leave the nest.

Last week I wrote about helping ageing parents with their finances. This week I want to talk about the other end of the spectrum-adult children living at home. At MyBudget ... costs. It'll help the household budget and teach your child about ... demonstrate financial responsibility include household budgeting, meal planning, saving to buy ...

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What can you do if your mortgage gets behind?

Credit ratings agency, Fitch, recently reported that home loan defaults jumped up by 12.5 percent in the last three months of 2010.This is not surprising. The end of ... Christmas can hurt the household budget. Epic floods and cyclones also ... consecutive months. Create a household budget to work out how much ...

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About Tammy May

... of 22, Tammy established personal budgeting company, MyBudget, following years of ... ... of 22, Tammy established personal budgeting company, MyBudget, following years of ...

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Welcoming Saran to MyBudget

Over the last few years, I've been involved with Project Gen Z, a group of Australian entrepreneurs on a mission to educate a million young people about entrepreneurship ... setting and the importance of budgeting to promote healthy financial habits. ... an inspiration — and a great budgeter to boot! Saran won an ...

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Budgeting for retirement: Is $1 million enough?

Is $1 million in superannuation savings going to be enough to fund a comfortable retirement? Well, that might depend on how you define "comfortable." This information ... there sooner with a customised budget plan to boost your nest ...

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How big is your slice of the household debt pie?

One of the ways the Australian Bureau of Statistics looks at household finances is to measure average household debt as a percentage of average household income. Over ... We're Australia's largest, trusted personal budgeting specialist since 1999.

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Money advice from Jason, a budgeting expert (video blog)

... one of MyBudget's personal budgeting consultants. His role is to ... financial situation and develop a budget to achieve their financial goals. ... one of MyBudget’s personal budgeting consultants. His role is to ... financial situation and develop a budget to achieve their financial goals. ...

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How and why to check your credit report

Earlier this year, we published an advisory bulletin about changes to credit reporting. Changes to privacy laws now allow credit reporting agencies to collect information ... comes to credit repair, but budgeting is the best way to ...

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Making sense of mortgage jargon (part 1)

Is "Max LVR" a new energy drink? Is "negative gearing" something mechanics do? Nope. Both are examples of mortgage jargon used by banks and lenders. Fortunately, Scott ... provide certainty for planning and budgeting. That’s just a start. ...

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Festive fluff

Merry Christmas everybody! From my family to yours, I wish you a wonderful day for tomorrow spent with the people who matter most to you. Whether you celebrate Christmas ... it's too late for Christmas budgeting tips, so here instead is ...

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Wrapping up the Buy Nothing New Challenge

September is here which means that the Buy Nothing New in August Challenge is officially over. How did you go? I found it hard-especially when I was confronted by a jeans ... the challenge last May and managed to go the entire month ... ; it means spending within your budget, without compromising your other financial ...

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The voice of MyBudget

When I was little I dreamt of being a singer. I even joined the Johnny Young Talent School. Fortunately - to the great relief of my family's ears - I eventually came ... who wants to hear about budgeting from a celebrity? That's not ...

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Mr Obama, please contact MyBudget

... ' national debt and budget deficit figures in personal budgeting terms that everybody ... ... ’ national debt and budget deficit figures in personal budgeting terms that everybody ... ’s a household budget: * Annual family income: $21,700 * Money the family ...

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The "walletless" society

... commented that cards make personal budgeting more difficult because it's easy ... ... commented that cards make personal budgeting more difficult because it's easy ... can closely watch where your money goes. Let's take the discussion ...

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5 tips that make starting a budget easier

... experience that the structure of budgeting can take some getting used ... tips that make starting a budget easier" ... Establish daily, weekly and monthly budget routines You wouldn't expect to ... same goes with budgeting. When you're trying to save money, it pays ...

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How to choose the right insurance for you

... for your specific circumstances. Personal budgeting expert Tammy May explains why ... ... for your specific circumstances. Personal budgeting expert Tammy May explains why ... excess is an amount of money you have to contribute from ...

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Money advice from Bianca, a budgeting expert

... is one of MyBudget's personal budgeting consultants. Her job is to ... financial situation and design a budget plan to achieve their goals. ... ... financial situation and design a budget plan to achieve their goals. ... and gives you her top money management tips for taking control ...

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Financial freedom through personal budgeting

... when I was starting MyBudget. Money was tight. When it came ... reading "Financial freedom through personal budgeting" ... careful with my money. As a result of budgeting over the years ... MyBudget. I achieved it through budgeting (and a heap of passion ...

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Long-range budgeting is best

... goes something like "I tried budgeting before and it didn't work. ... Here's the thing: Good money management … Continue reading "Long-range ... backwards. Here's the thing: Good money management is easy to grasp ... their personal or household budget, they base the budget's timeframe on their ...

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Live like a millionaire

... asked to recommend books about budgeting and personal finance. Regrettably, I ... ... majority have developed wealth through budgeting, saving, investing regularly and living ... excellent, practical reminders that good money management is a series of ...

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Gift cards that transact like credit cards

... credit cards by putting a budget and savings plan in place. ... the point that when you're budgeting correctly, you don't need a ... ... the point that when you're budgeting correctly, you don't need a ... and handy hints for saving money? Email your ideas to moneytalks ...

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Gym junkie or junk the gym?

A sure-fire tip for better budgeting is to separate your essential ... A sure-fire tip for better budgeting is to separate your essential ... trainer, to bring you some money saving fitness ideas. The numbers ...

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Tammy's Tips to a Budget Bali Holiday

... eat and shop. For a budget … Continue reading "Tammy's Tips to ... ... exchange. The rest of our budgeted spending money is on my 28 ... Couples without kids might prefer budget accommodation at one of the ...

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10 tips to get financially fit

... Not to mention that bad money habits can snowball into serious ... ... money muscle! 1. Create a workout plan (also known as a budget ... customised exercise plan, so is budgeting for improving your financial fitness. ...

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20 reasons we love online grocery shopping

Is your supermarket bill blowing your budget? Personal budgeting expert and MyBudget founder Tammy May has 20 reasons why buying your groceries online might ... your supermarket bill blowing your budget? Personal budgeting expert and MyBudget founder ... might save you money and help keep your budget healthy. I used ...

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Budgeting for love (video blog)

... chocolates. The same amount of money would buy a week's supply ... , less expensive ways … Continue reading "Budgeting for love (video blog ... chocolates. The same amount of money would buy a week's supply ...

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Eek! Only 12 weeks until Christmas!

Today is the 24th of September, which means that in exactly three months' time you could be running around like a headless chook, jostling other frenzied shoppers for ... time. You might get more money from extra hours or leave ... top of your usual shopping budget—don't forget things like serviettes ...

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Budgeting tips for March madness

... Show, and the … Continue reading "Budgeting tips for March madness" ... and add it into your budget. (For MyBudget clients, please don't ... as much money in your wallet or purse as you've budgeted for. ...

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Christmas budget checklist

... you haven't already created a budget for Christmas, this is the ... , even if … Continue reading "Christmas budget checklist" ... time. You might get more money from extra hours or leave ... top of your usual shopping budget—don't forget things like serviettes ...

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Spending too much on your kids?

Are we spending too much money on our kids? Government statistics ... ... stretch her family's budget. She has no thoughts about money when she ... our kids about money — include them in the household budgeting process and ...

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Australia leads world for job insecurity

Nearly 40 per cent of Australian workers are now non-permanent employees. Half of them are casuals and the remainder is made up of self-employed business owners, contractors ... employment. Casual work can make budgeting and money management difficult because of ... non-permanent workers. Here are five budgeting and money management rules for the ...

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10 tips for budgeting for a holiday

... holiday that's free of money worries. 1. Start planning early. ... … Continue reading "10 tips for budgeting for a holiday" ... it. Your potential list of budget items will include transport (airfares ... visas and/or vaccinations, and contingency money for unexpected expenses. 8. Shop ...

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