Global Money Week by Crazy about consumer and financial literacy https://padlet.com/deborah_alhinai/kvxkqu7hftud Made with charisma en-us 2017-03-27 00:32:38 UTC 2025-12-23 10:46:00 UTC hello@padlet.com Win a bag of cash!! deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678165 2017-03-27 01:19:34 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678165 Celebrate Global Money Week by posting your fabulous financial tip deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678595 Click on the plus sign in the bottom right corner to open a new post. Don't forget to add your name! The best money-savvy tip will be selected and the winner notified by Wednesday 5 April.]]> 2017-03-27 01:23:13 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678595 Will YOU be crowned MONEY MANAGER MAESTRO? deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678836 2017-03-27 01:25:36 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162678836 Set up auto weekly Bpay payments for your utilities/rates etc. Never pay a late fee again and never receive a nasty quarterly bill again. Easier to budget also so you will be less inclined to use your credit card as you will have paid most of your bill before it is due. - MEL CONNOR https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162701581 2017-03-27 06:04:53 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162701581 Robyn Bergmansons https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162702035 Give your children their pocket money in smaller denominations so that they have responsibility for making decisions as to what they do with their money, e.g. donate, invest, save, spend.]]> 2017-03-27 06:09:40 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162702035 Ask for a better interest rate https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162702645 If you have had your mortgage with the same bank/financial institution for a while, give them a call every six months to ask if they can offer a better interest rate. They will often shave a little bit off (e.g. 0.05%). Hey it's better than nothing and it will add up :) Jess Crossley]]> 2017-03-27 06:14:20 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162702645 Tax your children deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162703581 My 9yr & 10yr old boys calculate their pocket money earnings and then calculate 10% tax and subtract this from the total amount. The 10% goes into the family piggy bank. It supports their maths skills and teaches them about why we pay tax and our role in society. Deborah Al Hinai]]> 2017-03-27 06:19:14 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162703581 Pay your mortgage weekly https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162704218 Most banks will set you up paying your mortgage monthly, by dividing your monthly payments in 4 and paying weekly you will shave around 7 years off a 30 year loan. This is due to banks calculating cumulative interest on a daily basis. - Luke Cumpstay]]> 2017-03-27 06:22:49 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162704218 Make a list of all the meals your family likes in a table. Underneath add another table and plan your fortnightly meals by date. Add a corresponding shopping list, use this list when doing your weekly or fortnightly grocery shop. This way you will only buy what you need and there will be no wastage. You will save money https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162974895 Gaby Ricketts]]> 2017-03-27 23:16:39 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162974895 Set yourself a specific savings goal, for example, a holiday or a drone! Most banks will allow you to set up a savings bank account that earns higher interest and is attached to your everyday transaction account. Set up a weekly/fortnightly direct debit into the savings account to help reach your goal. Also, if you decide against that morning coffee or takeout lunch then transfer over the money you would have spent. You'll reach your goal much faster! - Annie Maynes https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162994379

]]> 2017-03-28 02:15:20 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/162994379 $5 fortune https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163000348 Save all the $5 notes you get in a piggy bank. This is a useful holiday, emergency or Christmas fund ... I've saved thousands a year doing this ]]> 2017-03-28 03:22:22 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163000348 Credit Card tips https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163293708 1. If you use a credit card, ensure you pay it off in full each month, therefore paying no interest.  Use it for your everyday purchases that you have in your weekly/monthly budget and discuss and save for any larger or special purchases.
2. Look into having your mortgage offset with your savings in the bank and use your credit card for all expenses.  Your savings can then be offset on the total of your mortgage and reduce the principal amount that you pay interest on (saving you money in the interest you pay in the long run).
3. If you use a credit card, look for a service that provides rewards, EG rewards points for each dollar spent or frequent flyer points etc.  Then you can use these rewards when they accumulate.  It doesn't take long when you use your credit card for all expenditure.
:) :) - Kelly Platt]]> 2017-03-29 01:21:30 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163293708 Paywave https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163294242 Check whether there is a charge for using Paywave - some retailers do charge, but don't necessarily advertise.  There is one grocery retailer who charges]]> 2017-03-29 01:25:59 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163294242 Money jar and sub savings accounts https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851712 1. All coins I receive from paying for items with notes, I keep in jar until it is full and then deposit them into bank account. Can be up to $80 per month savings. 
2. I also have 4 sub accounts in my savings account. One for food each week, one for bills/fuel/rent etc. one for leisure activities and one for savings. Caitlin Lavelle]]> 2017-03-31 00:10:24 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851712 BYO coffee and lunch https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851854 Be your own barista — bring in a coffee press and some ground coffee to make your own long blacks. Black coffee isn't your thing? Join the Floor 15 Milk Club for $1 a week and add a dash to your coffee. Really delicious and two weeks of coffees will cost less than one coffee from a cafe! Too time-poor to make lunch at home? It's even easier (and still cost effective) to buy a bag of salad from the supermarket and a tin of salmon, or something similar. Keeps money in your wallet for the other really good tips on this page! Donna]]> 2017-03-31 00:12:27 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851854 https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851930 If you have solar panels and your supplier gives you a better rate for your feed-in power than what you pay for your electricity then do your dishwashing and clothes washing at night when your panels are not generating power.
Bron]]> 2017-03-31 00:13:12 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163851930 The 30 Day rule https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163852094 The instant satisfaction from buying something you see and want right away is always strong. Wait thirty days. The feeling usually passes and you just saved those lobsters and pineapples (and usually space!) - Blair]]> 2017-03-31 00:14:54 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163852094 Put your money into an account that you can't access easily, and have it pay you your spending money. That way you know exactly what you can spend on extras (because we still need extras in our life!). When you run out, that's it, no more movies/chocolates/coffee for that fortnight. https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854124 Angela K]]> 2017-03-31 00:37:18 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854124 Always write a list when you go grocery shopping. Always. Keep it on the fridge, add to it when you run out. That way you won't end up with three 2L bottles of vinegar in the pantry, unless of course you have a husband like I have, who is convinced we always need vinegar https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854457 Angela K]]> 2017-03-31 00:40:42 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854457 When budgeting, pay yourself FIRST https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854639 A good rule-of-thumb is to put 10% of every pay into a savings account and then allocate the rest of your income for bills and discretionary purchases. Make the savings account an online one that is not connected to your debit card!
CN]]> 2017-03-31 00:42:37 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854639 Steal other people's lunches?? https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854774 Seriously though, if you live in suburbs where there are City Cycles ignore the jibes of too-cool-for-school friends & subscribe. Every journey under 30mins is free so my daily commute costs nada! 
(I can alreadyfeel that crown on my head!)
Sam W]]> 2017-03-31 00:43:51 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/163854774 Considerate spending deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164203761 One trick I have that works for me is to work out that if you spend $10.00 a day on something, that is $3650.00 per year.  $5.00 is therefore $1825.00 a year.  A can of Coke @ $2.50 every day is therefore $912.50 a year or nearly $1000.00.  Most kids have better things to spend $912.50 a year on than Coke.   I would illustrate that to a child with pictures of things that you could buy for $912.50 ie bike, helmet, clothes, toys, technology, etc.
Madeleine Everett

]]> 2017-04-02 23:11:52 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164203761 50 ways to save money in 2017 deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164208387 Follow the link below to read the QSuper March 2017 article:

https://qsuper.qld.gov.au/superscoop/articles/2017/03/09/11/07/50-ways-to-save-money-in-2017/
Becky Walsh]]> 2017-04-03 00:15:08 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164208387 deborah_alhinai https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164495050 2017-04-03 23:39:04 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/164495050 Reusable water bottle https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/165302085 Buy a reusable water bottle. Fill it from the tap. Take it with you everywhere. Good for the environment as well!
Rosie R]]> 2017-04-07 04:47:42 UTC https://padlet.com/deborah_alhinai/kvxkqu7hftud/wish/165302085