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Stay at home mum

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

If you liked this you might also like:

Simple Savings Ideas That Absolutely Everyone Can Use

5 Websites That Will Help You Make Or Save Money

How To Pay Off Your Mortgage Faster

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

If you would like to read more from me don’t forget to sign up to my weekly email using the form below:



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 win free stuff

This post is a guest from my great friend Lisa-Marie from The Retro Mumma.  I am constantly in awe of Lisa Marie’s ability to win the best free stuff.  She is always winning the kind of stuff that you really want.  So she has popped over to Money Mummy to share her secrets with all of us. Take it away Lisa Marie!

How To Win Free Stuff!

Today I was pampered and treated to a beautiful cut & blow dry from Yeah Hair Baby in Marrickville.

What was even more fabulous was that it was FREE!

Some people say that I was born with a 4 leaf clover, but I don’t believe that – it just comes down to the old saying of ” you have gotta be in it to win it”.

So how did I win this beauty treatment? Well I won it through a Facebook promotion on the Yeah Hair Baby Facebook page. It was pretty simple. To enter all you had to do was upload your worst hair style. Below is mine – I just happen to be sporting an ultra cool skunk stripe and I am standing next to Mel Gibson. (I am also dressed in nautical themed clothing because I was working on a boat – ok!!) Notice how this photo is so old that its an actual photograph and not digital….. a 2001 blast from the past!

mel gibson

So how did all this Free Stuff happen to come my way? You’ve probably heard of the term “Compers” or “Comping”, well these are people who are serious about entering competitions.

Well, here are my 4 top ways of winning stuff:

The Radio:

It was probably about 5 years ago now, every morning I would be listening to the radio. Jonsey & Amanda on WSFM to be exact. At 6am every morning, they had a game called the magnificent 7 where listeners call through and try and answer the 7 questions of the day. The caller who answers the 7th question correctly wins their daily prize. I have lost count of the times that I have been the person to answer the last question correctly. A little bit of luck and knowledge is required. They also have segments where you can call through with a funny stories too.

Last year a good friend of mine won tickets through Nova to see Beyonce in the USA. All she did was phone the station when Beyonces’ song came on. She had 2 options. guaranteed tickets to her Sydney concert OR forfeit those tickets and go into the draw for the USA trip. There were only 6 other contenders, so she went into the draw and won! We were so excited, jumping up and down screaming with tears running down our faces!

A few (not all ) of the prizes I have won to date are : Concert tickets to the B52’s (ticked them off my bucket list!), tickets to The Village People, a table for four at the Masterchef Pop up restaurant, meet & greet with the cast of The Deadliest Catch, tickets to Tim Finns’ intimate record release, car shows, rodeos, other concerts, dinner at various beautiful restaurants, entry to Wings over Illawarra Air Show, a $500 digital radio, gift cards, countless dvd’s and cds.

Whilst I have won lots of prizes, I also share them around. Before I had kids, I always gave away tickets I’d won to family events. I believe in prize karma- the more I’ve shared, the more I win!

My Top Tips: Less people listen to the radio early in the morning, so it is easier to get through. I always have the radio station number in my phone on speed dial!

I ran into Amanda Keller at The Village People

I ran into Amanda Keller at The Village People

b52s collage

Up close with Tim Finn at his Album Launch

Up close with Tim Finn at his Album Launch

My Husband met the cast of The Deadliest Catch

My Husband met the cast of The Deadliest Catch

I won a table for 4 at the Master Chef Sold Out pop up restaurant

I won a table for 4 at the Master Chef Sold Out pop up restaurant

Wings Over Illarwarra Air Show was a dream come true for my little boy

Wings Over Illarwarra Air Show was a dream come true for my little boy

Facebook

Facebook is an awesome way to follow and engage with your favourite brands. Not only can you follow their current seasons & sales, quite often they run competitions for their followers too. Through Facebook I have won movie tickets from Dendy Cinemas to several premiers, I have won vouchers from some of my favourite local stores like Lush Arena in Marrickville, beauty treatments , kegs of beer from Tap King and lots of dinners! My most favourite Facebook win was from Little Ruby Photography . This was a competition drawn randomly as a part of a mother’s day promotion and this was very special as it was my first mothers day! Capturing those special memories are priceless.

My Top Tips: Like all your favourite brands and follow them keeping an eye out for promotions and competitions. Facebook competitions will either be drawn randomly once you’ve shared their competition on your page with your friends, Sometimes competitions will require you to use skill to answer a question creatively or other times the competition may involve submitting a photo as a competition entry and then getting people to like your entry.

This was a Mothers Day Prize from Little Ruby Photography

This was a Mothers Day Prize from Little Ruby Photography

Instagram:

Instagram is a great way to follow your favourite brands and get them to notice you with the simple power of a hash tag #. It’s also a great way to get creative with photography. My favourite local pub The Henson in Marrickville runs a weekly Instagram comp where they award $50 worth of Henson dollars to be used in house. The biggest prize I have won via Instagram was through Adriano Zumbo. Last mothers day they had an instagram competition where you had to upload a photo to Instagram and then use their special hash tag. Those photos all filtered through to a tv in their store for the month of May. They chose the 3 winners, in which I won first prize which was a $1999 Kenwood cooking chef appliance.

Henson

Shopping Centres

Do yourself a favour and sign up to your local shopping centre newsletter, Facebook page and Instagram. Quite often they have mini give aways in store with their local retailers. Through Broadway shopping centre I won movie tickets and a $250 voucher for coming 3rd place in an instagram valentines day promotion they were running. A month ago I also won $100 worth of gift cards for commenting on a Facebook post asking us for our funniest misheard song lyric. Marrickville Metro is a small centre in Sydneys inner west – last week our family went to the zoo thanks to a family pass I won through one of their centre promos (just collecting receipts). I’ve also won cooking books and vouchers from them too.

My top tips: Sign up to your local shopping centres, follow their Facebook pages & Instagram. The smaller the centres, sometimes the better chances of winning. I know that when I first started following Marrickville Metro and Broadway they had less than 1000 fans on Facebook.

broadway

zoo64

So that’s just some of the stuff I have won and how I won it! They may not be major prizes, but we have had a lot of fun experiences along the way!

Whats the best prize you’ve ever won? Do you have any tips?

If you want to read more from Lisa Marie pop over to her blog The Retro Mumma or like her on Facebook here!

If you liked this post you might like to try:

5 Websites That Will Make Or Save You Money

How To Create A Budget

5 Simple Savings Ideas That Everyone Can Use

How To Pay Off Your Mortgage Faster

14/10/2014 10 comments
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Federal Budget 2014

Ok if the 2014 Federal Budget was all a bunch of gobbledy gook to you then do not worry you are certainly not the only one!!!!  Here is my take on what you really need to know about what was announced in the Budget and how it will impact you and your family!

  • If you get the Family Tax Benefit part B the rules have changed.  Only Families on a income of less $100,000 with children under six qualify.  Though existing recipients of Part B with children six or older will continue to receive payments for two years.
  • Planning to have a baby?  The new paid maternity scheme to start in July 2015 will have scheme payments capped at a payment of $50,000, as opposed the originally promised $75,000.
  • Going to the Doctor will cost you more:  Anyone who sees a doctor and gets bulk billed will pay $7 every time they go.  Non-bulk-billed patients will pay an extra $5 per visit.  Children under the age of 16 and concession card holders will have the payment capped at 10 visits.
  • You will pay more for medicines:  Medication covered under the Pharmaceutical Benefits Scheme (PBS) will increase by $5 and PBS safety net thresholds will kick in only after increased out-of-pocket expenses.  Concession card holders will pay 80c more for PBS medicine, and spend an extra $61.80 before the safety net kicks in.
  • Petrol Prices will rise:  The government will raise the petrol tax (fuel excise) twice per year in line with inflation.
  • Compulsory employer super contributions to pause at 9.5% for three years.  They are currently at 9.25%, so will go up once more in July 2014.  The previous plan was to increase them to 12% by 2019.
  • Pension age has increased to 70 for anyone currently under 50.
  • First Home Saver Accounts (FHSA) have been axed.  No more new accounts can be opened and as of July 1 the government will end its 17 per cent co-contribution.  In July 2015 the tax and social security concessions associated with the scheme will be withdrawn and the restrictions on withdrawals will be removed.
  • If you work for the public service, there are plans to cut 16,500 public service jobs.
  • Those earning over $180,000 will pay an extra 2% per annum tax for the next three years, this is the “Budget Repair Levy”.
  • For those with kids at university or thinking of going:  Our children will have more debt and start paying it back sooner.  Universities will have the ability to set their own fees, so prices will most likely rise. Scholarships will be available to disadvantaged students.  From July 2016, students will have to pay their loans back sooner, starting once they earn over $50,638 a year.
  • For the unemployed:  Those aged under 25 will need to “earn or learn”. People under 30 will need to wait six months to be eligible for Newstart and once on payments will be subject to a work for the dole scheme.

So there it is and it was a tough one!!!!  Of course there was lots more bits and pieces, but these are the essentials that I think could have the greatest impact on your family.

If you liked this post, you might also like:

How To Pay Off Your Mortgage Faster

How Much Can You Save By Shopping At Aldi?

How To Create A Budget

3 Things You Should Know When Saving And Investing For Your Children

 

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.

16/05/2014 15 comments
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Boost your Superannuation while you are a stay at home mum

Superannuation is important for all women, but probably even more so for Stay At Home Mums (SAHMs).  Having a break from paid work reduces our ability to contribute to our super leaving us much worse off than others when it comes to retirement age.

Last week I wrote about the superannuation co- contribution scheme and, if you qualify, what a great way it is to boost your superannuation balance for free (please click here to see the post).  During the week I had lots of questions from readers asking whether stay at home mums (SAHMs) can receive the co-contribution.  Unfortunately, the co-contribution scheme is only available to those in employment or self-employment.  As it stands, the powers that be, consider being a full time mum as “non paid work”,  so we do not qualify for the scheme.  Sadly, being paid in kisses and cuddles does not count as income 🙁

However, there are a couple of things that you can do to boost your super as a SAHM and here they are:

(1)    Individual contributions – Anyone, regardless of whether they are in paid work or not, under the age of 65 can make super contributions.  So, SAHMs can continue to contribute to their super if they choose to do so.  Whether you make before or after tax contributions, depends on whether you have any other income (say investment income).  Seek financial advice to see which way is best for you.

(2)    Spouse contributions – if you have an assessable income of between $0 and $13,800 then your spouse can make after tax contributions to your super and claim a tax offset on their tax return.  Many SAHMs would qualify for this.  If you earn less than $10,800, the maximum tax offset that can be claimed is $540.  To receive this benefit your spouse must contribute $3,000 or more of after tax contributions into your super. The tax offset is progressively reduced until it reaches zero if you earn $13,800 or more in assessable income in a financial year.

(3)    Splitting contributions – Under this strategy your spouse can make before-tax (concessional) contributions into a super fund and arrange to split those contributions with you.  If your spouse plans to do this with you, then you must be under the age of the age of 65.  Also, your spouse needs to complete a particular form stating they propose to split super contributions with you.  This is a complicated strategy and there are other rules (like you can only split contributions made in the previous year), so make sure you get financial advice if this is something you are considering doing.

(4)    Find your lost superannuation.  Such a simple way to boost your balance and reclaim what is rightfully yours.  Click here to see my previous post and find out how.

In case you were wondering, a spouse can be a married or de facto partner of the opposite or same sex.  They have to live with you as your husband or wife and it doesn’t include a person who lives apart from you permanently.

I hope that this helps!

If you liked this post you might also like:

Your Superannuation And Your Children: One Thing You Really Should Know

How To Boost Your Superannuation Balance For Free!

Women And Superannuation: How Do You Make Sure You Have Enough?

3 Easy Ways To Find Your Lost Superannuation 

5 Financial Tips You Should Know Now You’re A Parent

* Please note this is for your general information only and does not constitute financial advice.  Please see a financial planner or accountant to get advice specific to your individual needs.

31/07/2013 14 comments
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