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    6 steps to happiness in motherhood

    6 Step Happiness Method


    Step 2 - Resources
    For Gaining Financial Freedom

    Money Management Resources


    Money is one of those topics that can really place a lot of strain on relationships. It’s one of those issues that people do not like to discuss and as a result can wind up causing a great deal of stress and pain in the long run.

    Below we have provided tools and tips to help you gain financial success and security. Rememeber that this information is only a guide and does not substitute the professional information and/or advice you may receive from your financial advisor or bank manager. However, these tips will give you access to a wealth of information to stop letting money control your life and start living in wealth without guilt and stress which is often associated with a lack of financial security.

    Curbing Impulse Shopping    Misconceptions about health food

    One of the misconceptions people have about eating healthy foods is that it’s too expensive. They often walk into a health food store and notice the expensive cereals, hair care products and vitamins and rationalize that these products are out of their price range. Whilst these particular products are reactively expensive, they only encompass a small proportion of healthy products on the market.

    The cost of eating healthy

    Fruit and vegetables are extremely cheap in comparison on a lot of ready made meals and processed foods. Below you will find a comparison between some popular processed foods and healthy alternatives. The interesting thing is that the healthy foods are also usually lower in salt and fat and therefore result in feeling full and preventing binge eating later on.

    Unhealthy Snacks
    • Packet of Crisps – $2.50
    • Chocolate Muesli bar – $2.00
    • 1 packet of biscuits – $2.50
    • 1 packet of salted nuts – $4.00
    • Small pizza – $6.00
    • Hamburger – $9.00
    • Muffin – $3.00


    Healthy snacks
    • Sushi handroll – $2.00
    • Yoghurt tub – $1.50
    • Fruit salad – $4.00
    • Fresh Salad – $10.00
    • Unsalted nuts – $4.00
    • Salad roll – $8.00
    • Banana – $1.00

    Curbing Impulse Shopping         Why care about credit card debt?

    Having a debt per se is not always a bad thing. For instance, owing money on your home loan is a way of setting up your investments for the future (as long as you can afford to make the weekly repayments of course). Modern society is constantly bombarding us with the same message: spend more to look and feel your best. This message is very enticing. We see images of models and actors in the latest clothes, cars, multimillion dollar house and electrician appliances and as a result we’re influenced to believe that we NEED these items in order to be happy. To make matter worse, all your friends and relatives are also being bombarded with the same message, so we all begin to judge each other in the same manner. The major issue with this type of thinking is that it breads desperation. We don’t even have the patience to wait until we can save to afford to buy the products we really want. The easiest solution is to place the item on our credit cards. After all, it doesn’t appear to be harmful at the time of shopping. HOWEVER….. when the bill arrives each month, it can send you into a massive state of shock and send you on a downward spiral of debt.

    Getting out of credit card debt

    Credit cards are a real trap. Often what happens is people are out shopping and then realise they need/want to make a purchase. At the time they may use their pay packet to make the purchase – removing the guilt of using a credit card. Then by the end of the pay period they haven’t budgeted well and they really need to pay a bill or purchase an item for their kids, partner or friend. At this time the temptation to use the credit card is too great. So they use the card and tell themselves that this time they’ll put the money back onto the credit card. Of course the next pay period arises and once again they forget about the credit card and the cycle continues.

    Just putting a little $100 a week extra on your credit card would amount of $5,200, then if you add the interest (let’s be kind and assume it’s at a rate of 10%) you accumulate each month on the amount you owe, the figure would amount to approximately $9,400. Simply by putting that $100 a week on your credit card and not paying it off. It’s scary isn’t it!

    In order to get out of the credit card cycle, you really need to ask yourself some HARD QUESTIONS.

    Step 1: Ask yourself the hard questions

    • What payment can I do without?
    • Do I really need this purchase?
    • How much money can I put away every fortnight/week to pay off my credit card?


    Step 2: Look at your weekly spending and decide – what can I do without (see sample list below)

    Extravagant items:

    • Bottled water
    • New clothes
    • Items on sale – when you really can’t afford it
    • LCD/Plasma TV
    • Take away foods
    • Nick knacks for kids
    • Soft drink


    Step 3: Make a list of why it’s important for you to be debt free


    • I want to have a positive relationship with money
    • I want to be able to buy the things I like without feeling guilty
    • I want to feel in control of my finances and my life
    • I don’t want to feel embarrassed around my friends
    • I don’t want to feel sick every time someone’s birthday comes up and I have to buy a nice present
    • I don’t want my kids to have a negative association with money
    • I have to feel FREE

    You have a choice in life. Don’t let money rule your life. It’s time to take a stand and start living debt free and in happiness. You can do it.

    Teaching Kids About Money           Your gift to your child

    Financial stress in adult life can place a tremendous amount of strain on relationships. Therefore, one of the best gifts you can give your children is a positive attitude about money.

    In early childhood, it’s important for children to understand the value of money and that parents have their financial limits. However, it’s also imperative that carers focus on sending children a positive and healthy message about money and budgeting. In this section on the website you will find tips for achieving this aim. By putting these tips into practice your children will learn that they can achieve their dreams without potentially sabotaging their dreams.

    Understanding the value of money

    In recent times there has been an ever increasing trend towards materialism. Children quickly learn to demand newer and more expensive toys and in addition begin to compare their material possessions with those of their friends. As a result, they can begin to feel inadequate if their friends begin to judge them based on the number and quality of possessions they own. As a parent, grandparent and carer, it is very important to teach your children about financial boundaries, before they start demanding the latest LCD television screen.

    One of the easiest ways to teach your children the value of money is to give them chores in return for pocket money. However, in doing so, be careful not to replace ‘praise’ with financial incentives as this can result in children expecting to be paid for every task they undertake in the home and sets up a pattern of being driven by external motivators.

    Here is a checklist your can follow when setting up chores for your children at home:

    Step 1: Choose a task for your child

    • Choose 1 task for children aged 8 -10yrs
    • Choose 2 tasks for children aged 11 -14yrs
    • Choose 3 tasks for children aged 15 -18yrs

    Step 2: Choose an age appropriate chore/task (see sample list below)

    Sample list of chores:

    • unpacking the shopping
    • taking out/bringing in the garbage
    • washing the windows
    • washing dishes
    • unpacking the dishwasher
    • making their bed
    • taking the dog for a walk
    • putting toys away
    • feeding pets

    Step 4: Choose an age appropriate value for the chore/task

    Step 5: Explain the value of saving pocket money to your children

    Sending children a positive message

    Some researchers suggest that children’s minds are like sponges, particularly in the first seven years of life. Therefore, it’s very important to think carefully about the messages about money you may send your children – without even realizing it. Children often learn through modelling, so try to set a positive example with the words you express about your own financial situation. Here are some examples of how you could refresh ‘common’ statements about finances infront of your children.


    Let’s save up for that dress in a few weeks

    We have everything we need a the moment

    Presents are for birthdays and special occasions

    My job gives me a great opportunity to care for my family

    I always have enough money to pay my bills

    We have everything we need and we’ll save for those extra special things

    We’re working on a plan to work smarter so we can spend more time together as a family

    Even though the messages may not be 100% accurate at the time, by reframing your words into more positive responses you can start to shift beliefs about money. You’ll also teach your children to trust in you and your ability to care for the family unit.

    Saving Money on sales      Sale Time

    It’s very tempting to think of ‘sale time’ as the time to do your shopping, however, this can be a trap when you don’t have the money to spend in the first place.  Everyone loves to get a ‘bargain’.  The trick to bargain hunting though, is to save money and then take advantage of the sales.  What most people do though, is see an advertisement that something is for sale and use it as an excuse to go crazy.  The problem with this mentality is that often you end up buying things you don’t need and more often than not, you end up spending money you really didn’t have spare in the first place.

    Tips for finding a bargain

    Instead of being reactive when you see a sign in a shop window advertising their sales, why not keep a regular eye on the following websites that are regularly scanning the stores and provide discounts on every day items.  One great tip is to find an item you want to purchase for a birthday present, then save up the money and purchase it at a discounts on-line.  This will save you loads of money in the long run and you’ll never have to miss out on your favourite things!

    Below you will find links to bargain sites and a brief description of what each site has to offer:

    Discount Baby products

    Discount Make-up

    Discount Groceries

    Discount Shopping Vouchers

    General Discount Stores


    Note: These websites are not affiliated with us, however, we have found them beneficial for our clients