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Online Sales and Voucher Sites – How much do you really save?

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Written by Alison Gallagher Friday, 21 August 2015 13:18

Saving money is an ambition most people have, usually with an end goal in mind of spending or investing that money. Whether it is to literally squirrel away savings into a savings or investment account, or to simply save money with each purchase you make. Looking for price reductions and bargains and reducing your overall spending, will obviously save you money in the long run.

Don't shop till you drop....                                                   Banksy art photo from Flickr

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Emergency Fund - the 'just in case' account

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Written by Alison Gallagher Friday, 14 August 2015 15:31

A few weeks ago I mentioned in my blog about how last year I received an unexpected tax bill which was nearly $2000.  I Freaked out, I Fumed, and then I Factored it into my Finances and withdrew from my emergency Fund.  Man was I cranky, but things would have been much worse if I hadn't had funds to draw on, especially as I had a baby on the way and a husband about to be made redundant.  We were fortunate to be able to pay the bill in full when it was due (however the tax department does allow you to pay in installments if you don't have the money available on the spot, so we could have taken advantage of this too - but it was still money I was going to have to send to the tax department, quite frankly I wanted to pay them and move on to a new and more properous financial year).  

don't get caught out in an emergency
don't get caught out                                image by wolcottsworld

If you don't know what an emergency fund is, then it's likely that you you need one, and it's super easy to set one up and just leave it to grow giving you a little nest egg to draw on if you ever have an unplanned expense, so read on to find out more.  

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Gumtree Sellers and Buyers Beware- Scams to Avoid

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Written by Alison Gallagher Friday, 07 August 2015 16:32

I’ve always been an advocate of selling and buying second hand wares. It’s one of the most efficient forms of recycling there is, it is generally a good outcome for both buyers and sellers, the sellers get something off their hands they no longer want and get paid for it, and the buyers are usually delighted to have found what they were after, pre-loved at a discounted price. Gumtree and Ebay are the two most popular websites to buy and sell online, with Etsy gaining ground for more quirky, collectable vintage pieces. But as with all online transactions and correspondence, there can be tricky people out there waiting to pounce on unsuspecting sellers and buyers.

beware of online scams
beware of online scams                           image from flickr

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Saving money shouldn't be taxing

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Written by Alison Gallagher Friday, 31 July 2015 10:59

Now that we are well and truly into a new financial year, it is time to get your tax paperwork in order and arrange your tax return. Joy!  If you haven’t already, gather your group certificates (also known as payment summaries) any relevant receipts which might be floating around your inbox and desk drawers, tally up your claimable expenses and visit an accountant (or do it yourself online here). Doing the annual tax return is a bit of an annoying task, but once its done, it feels good to cross it off the to do list, and if you’re lucky there’ll be a bit of a return for you as reward.

save your tax return to reap the benefits later
'fill your cup' - keep your savings account growing to stay financially free                                                                       Photo by Alison Gallagher

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Turn your Frown upside down – Tips to Overcoming the Winter Blues

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Written by Alison Gallagher Thursday, 16 July 2015 21:24

It’s cold, wet and the clothes you are wearing are still damp from not having dried on the line properly. Your joints ache and you have a head cold. Your house smells musty from all the dampness but its too cold to open the windows at home by the time you finish work in the evenings. You don’t feel like socialising, or eating healthily, you just want to eat takeaway and veg out in front of the TV. Getting out of bed in the mornings is the hardest it is all year long, but getting into a cold bed at night is almost as hard. You have the Winter blues, and the only thing you think will make things better again is a whole lotta sun, perhaps winning the lottery or a change of season. Right? Well, yes that will certainly help, but there are plenty of little tricks to boosting your mood now, so you’re not a cranky bum all winter long – we still have over a month to go!

don't go all stone cold
Don't be stone cold this Winter                                                             Image from Flickr

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Unfolding into Herself

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Written by Alison Gallagher Thursday, 09 July 2015 15:22

Career Spotlight - Yoga Teacher

Peita Handel knows the importance of taking time out, living authentically and allowing space around goals and ambitions. Originally studying biochemistry at university, her life took a change of direction when she fell in love with the philosophy and grace offered by yoga, not just as a practice but as a lifestyle. Practising yoga herself for over 10 years Peita offers her yoga students an open hearted experience sprinkled with honesty, laughter and plenty of room to move, twist and find balance.  Specialising in pre and post natal yoga, Peita loves connecting with women fully immersed in the experience of motherhood, and offers a grounding, compassionate and nurturing space for her students to sink into and be received. Having enjoyed Peita's classes myself over the years, I asked her to share a few thoughts about her career so far.

Peita Handel from Muma Yoga
Peita Handel from Muma Yoga 

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