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I really enjoy blogging.  Not only does it give me the ability to interact and share my knowledge with my incredible readers (yes, you!!), it also at times throws up at times some pretty amazing opportunities. A couple of weeks ago one of these astounding opportunities hit my email inbox. It was an email from Holly Wainwright Editor of Mamamia!!! Yes the Mamamia, Australia’s premier website for women!!! Holly said that she had read my blog and was wondering if I would be interested in joining her and Andrew Daddo discuss pocket money on Mamamia’s popular parenting podcast “This Glorious Mess”.

“YES!!!” was my swift response!! Let’s face it, no one wants to reject the opportunity to be in the same room as a Daddo!!! 🙂  So before I knew it I found myself in a recording studio chatting pocket money with Holly and Andrew!!! It was an amazing experience.  I was super nervous and it was waaaaaayyyyyyyyy out of my comfort zone but Holly and Andrew made it heaps of fun!

So without further ado here is episode 6 of the pod cast of “This Glorious Mess” with Holly Wainwright, Andrew Daddo and myself talking pocket money!!! (I am in the middle after their chat about Mothers day 🙂

Click here to hear me on “This Glorious Mess” talking pocket money.

Oh and the pic above is the obligatory selfie of the three of us in the studio!

Have a great day!

 

Shelley

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5 Financial Tips You Need To Know Now You Are A Parent

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Disclaimer:

The information contained in this post is general in nature and does not constitute financial advice.  Please see your financial advisor for advice specific to your individual circumstances.

10/05/2015 6 comments
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how to choose the right home loan for you

Yesterday, I went to my first ever blogger event for the launch of Macquarie Bank’s new “Flyer Home Loan”.  It is a home loan where you can earn Qantas Frequent Flyer Points directly through your mortgage.  It is a sign of the times that these types of products are starting to appear.  Competition in the mortgage market is starting to increase and the players are starting to think of innovative ways to get new customers, so you can expect to see more of these types of home loans in the future.

However, as you all know, I am a big fan of the KISS principle (Keep It Simple, Stupid) and especially so when it comes to mortgages.  I believe you should get the cheapest loan you can, with the right features (free extra repayments and withdrawals or offset account or both) and pay that sucker off as fast as you can (click here for my tips).  However, I can see how under some circumstances a home loan with extra features such as frequent flyer points might work for some people.  So, the big question is how do you decide what is the right home loan for you?

Here is a check list of some of the things you should do:

  1. Read the full Terms and Conditions associated with the loan.  Actually don’t just read it, make sure you understand it too.  I know it is not the most entertaining thing you will ever read (I have read more than my fair share!) but it outlines all the ‘ins and outs’ of a product including what happens if your circumstances change and the details that might catch you out.  All these things are extremely important in deciding whether a product suits your individual needs and the fine print can be really important when things change.  So many people get themselves into trouble by not reading all the details of a financial product.  Make sure you do not make this mistake.  Besides, if you read a set of terms and conditions just before bedtime it will ensure that you are quickly sent off to sleep 🙂 (only kidding).
  2. Calculate, calculate, calculate.  Figure out what you stand to gain, in dollar terms, by taking up a more complicated home loan product.  For example, how much is a frequent flyer point worth to you?  (Check out The Australian Frequent Flyer for tips on how to do this).  Then look at how much extra the loan will cost you versus a standard home loan product.    For example, how much higher is the interest rate?  How much does that add to the cost of your loan over its life?  What are the fees involved and how do they differ to a standard product?  Does the benefit in dollar terms outweigh the additional cost?  There is no point in taking a more complicated product if the benefits do not outweigh the extra costs.
  3. Run different scenarios.  Life throws you curve balls.  In my life things are always changing and most of the time things don’t turn out as I thought.  Calculate different scenarios and check under which circumstances you will be ahead using a particular product compared to a standard loan product, and which circumstances you would be behind.  You need to make sure you are clear about when a complicated product works for you and when it doesn’t so you are not caught out when things change.
  4. Most importantly get proper individual financial advice from a professional financial advisor, accountant or mortgage broker to make sure the product is definitely the right product for you and your circumstances.  Taking out a home loan is a big financial decision.  At current interest rates, if you let a home loan run for the full 30 years, you will pay almost as much in interest as you borrowed in the first place!  So be sure.  If you are not sure about the advice you are receiving, don’t be afraid to check the advice with another financial professional.

With competition increasing in the mortgage market we are bound to see home loan products with additional features hitting the market.  You must make sure that whichever home loan you decide on, is the best product for your own individual financial circumstances.  It is a big decision, don’t take it lightly.  Make sure you get good advice and do your homework.

If you would like to find out more about the “Flyer Home Loan” click here.

* I was not paid to write this post (not unless you count the muffin and the cup of tea) and this is not an endorsement in any way of the Macquarie Flyer Home Loan.  All views outlined are my own.

If you liked this post you might like:

How To Pay Off Your Mortgage Faster

Should I Fix My Mortgage Rate?

How To Use An Offset Account To Pay Off Your Mortgage Faster

5 Financial Tips You Need To Know Now You’re A Parent

Disclaimer:

The information contained in this post is general in nature and does not constitute financial advice.  Please see your financial advisor for advice specific to your individual circumstances.

17/10/2013 11 comments
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This post is a bit out of the ordinary for my regular Money Mummy readers.  Today it is not all about the thrilling topics of tax, superannuation or mortgages.  No! Today is all about sharing the bloggy love and you getting to know more about what I like to read and finding out a bit more about the “mummy” behind the “money”.

You see, this week I got nominated for a ‘Sisterhood of the World Bloggers Award’ by the wonderful Emily of Emily Morgan Writes.  Emily is an amazing writer and her site is a wonderful source of inspiration and information for all writers.  She helps to improve my writing with her invaluable tips and expertise.  Check her out her site here.  So thank you Emily for nominating me!

So what is the award all about?  The rules of this award are pretty straight-forward.  The award is shared among female bloggers who inspire one another with their writing.

My job as a recipient is to:

  1. Post the logo on my blog.
  2. Thank the person who nominated me.  Thanks Emily! 🙂
  3. Choose 10-12 other ladies who blog as my nominees.
  4. Post the links to the nominees’ blogs and notify each of them on their blog.

I thought this award would be a great opportunity to introduce you all to some of my favourite bloggers and share some of the bloggy love.  These ladies inform me, inspire me, expand my horizons and challenge how I think.  Make sure you do yourself a favour and stop by a few of them.  I promise, you won’t regret it.

So, lets get in to it!

(1) Kindness By Design

My first nominee is the wonderful Kendall from Kindness By Design.  Kendall is kindness not only in name but also in nature.  Her blog inspires me to be a better person and reminds me that looking good does not be at the expense of my ethics or the environment.  Kendall is eco chic personified, championing designers and retailers that are both ethical and eco-friendly.  Kendall has gone out of her way to help me navigate my way through the blogosphere and for her kindness I am truly grateful.  A fantastic blogger and a wonderful friend, who is looking to make our world a better place.  Check her out here or on Facebook here.

(2) Mums Take Five

If you want quick and easy ideas on a craft to do with the kids or something for dinner then Nic and Bel at Mums Take Five are the ladies to see.  They have a raft of awesome ideas that inspire and amaze me.  We will definitely be instituting the dinosaur garden in our household, and check out their Facebook page for the amazing artwork Bel put on her son’s wall.  For more ideas have a look at their site here and Facebook page here.  p.s they were also this month’s hosts of the Digital Parents Blog Carnival – well done ladies!

(3) The Thrifty Issue

Alison from the Thrifty Issue is my go-to lady on all things thrifty.  She has lots of ideas on how to be smart with your cash while still enjoying life.  I particularly like her Friday night “Worthy Wine” posts.  Great wines for under $10!!!  Who knew???  Alison is kind, generous and a wise counsel to me on all things blogging.  Check out her site here and on Facebook here.

(4) Mummy Hearts Money

Next up is another blogger in the money space, it is the lovely Elise from Mummy Hearts Money.  Elise has great tips on how to make your dollar stretch further.  Make sure you check out her ‘Make me rich’ series about her journey to employing a financial planner.  Not only is Elise great with money but she has a rockin’ sausage roll recipe which was so easy even I could make it! Check Elise out here and on Facebook here.

(5) The Fresh Home Cook

Now you know you have an awesome cooking site when you inspire me to want to be a better cook!  This is exactly what Jodie from The Fresh Home Cook has done for me!  Her recipes are fabulous and the photography amazing.  Do not look at her site if you are hungry though, the pics are to die for!  I cannot tell you what a great job Jodie is doing in inspiring me to be better in the kitchen and not dislike it quite so much 🙂  Check out Jodie’s site here and on Facebook here.

(6) Honey You Baked

Yes another cooking site!  What is happening to me?  However, this is another cracker.  If you are looking for great cooking ideas and household tips, Danni and Mel are the ladies to check out.  Their lunch box ideas are amazing and are sure to tempt the fussiest of eaters!  Check out Danni and Mel’s site here and on Facebook here.

(7) Dr Leanne Winter – Raising Boys

Dr Leanne Winter is a parenting researcher and her site is devoted to the joys and challenges of raising boys.  As you all know, I have a girl, but I still find Leanne’s advice fundamental in helping me think differently about how I parent and giving me ideas on how to improve my parenting skills.  If you have boys or girls or a mix of both Dr Leanne Winter, is definitely worth a read.  Check out her site here and on Facebook here.

(8) The Plumbette

Bec is so many amazing things – she is a mum, a blogger, a fashion stylist and a female plumber.  When my daughter grows up I want her to have the option to enter a trade, not just the traditional female ones but anything she wants to do.  Bec is a trail-blazer for all our daughters and the best part is she shares her knowledge and journey with all of us.  Check out her great blog here and her Facebook page here.

(9) You Learn Something New Every Day

I am passionate about reading to my daughter, and Emily from You Learn Something New Every Day has fantastic ideas on what to read to your children.  Check out her site here and Facebook page here

(10) Fertile Healing

This is a new blog for me but it is on a topic very close to my heart, infertility.  We struggled to get our daughter and it is something I will never forget.  We did not use IVF but having watched several friends go through it I think it is a magnificent idea to have a site dedicated to infertility and the IVF process.  Check it out here and on Facebook here.

I hope you get a chance to check out some of these great reads and I promise we will be back to our usual Money Mummy fare next week with “Should I fix the interest rate on my mortgage?”.  Stay Tuned!

If you liked this post, you might also like to read:

Is Costco Membership Worth It?

10 Easy Ways To Save Money

5 Financial Tips You Need To Know Now You’re A Parent

26/09/2013 30 comments
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