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Reduce Energy Bill Cost

Energy gets expensive

The energy bill forms the largest part of most household budget's. #energy #Energybill #Budget #Householdbudget       #savings
Here are a few pointers on how you can manage it better.

1. Turn off appliances at the wall – don’t leave them on standby.
2. Beat the winter chill by keeping your heater at 20 degrees to save energy.
3. Washing your clothes with cold water can result in some big savings and let the sun dry your washing instead of a dryer
4. Short showers do more than just save water – they save energy, too.
5. Chilled beer as needed, an extra fridge can cost you over $250 a year.

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#savings #Smart #budget #Finance #SavingTips

Skip One $20 Purchase a Week
Your daily cups of coffee, that after-work happy hour and the magazines and bottled waters you pick up from the newsstand every week can all easily add up to $20 or more—and fast.
You’re spending your money on the “nice to haves,” as opposed to the “must-haves.” Eliminating these types of small expenses probably won’t require a major change to your lifestyle—but that $80 a month you’re putting into your savings account could have a big impact.

Slash a Big Monthly Spending Category by 10%
Ferret out a budget category that you feel could use a trim and try to shave just 10% from it. Maybe that means cutting a few work lunches a month from your food budget, or skipping a few movies to trim your entertainment costs.

Talk to me on 0425 341 086 to discuss a savings plan that suits you. Subscribe to our newsletter at


savingsWe all know that we should spend less and save more. Sometimes it is nor easy to save $50 or $100 every week. Here are a few ways to save by just rethinking a few everyday chores. #Energy #Energybills #Savings #money#budget

1) TURN OFF THE LIGHTS: I can't say this enough. Just turn off the various electronic devices when not in use. How many mobile chargers are left on even when your phones are unplugged. It is a slow drain of electricity,. Save money on your energy bills and save the environment.

2) Plan your meals around your grocery store’s flyer: Instead of creating your meal plan out of thin air, plan all your meals around what’s on sale in your grocery store’s flyer. Look at the biggest sales, then plan recipes based on those ingredients and what you have on hand.

3) Remove your credit card numbers from your online accounts: It’s easy to spend online when you have your card information stored in an account – just click and buy. The best way to break this habit is to simply delete your card from the account. This way you’ll be forced to spend the time to dig out your card – and really think about why you’re spending this money.

These are a few easy everyday tips. Talk to Madhu on 0425 341 086 for more easy savings tips and for financial planning advice.


No matter where you are on your financial journey, you should know that it’s possible for anyone to take charge of their financial life . But, as with most things, sometimes that very first step is the hardest part.  #Saving #investments  #motivation  #Quickfix  #SaveMoney

1) Turn off the television:There are a lot of financial benefits to this: less exposure to ads, a lower electric and cable bill and more time to take up a side business or a part time job.

2) Clean out the Closet: Stop buying new clothes and shoes. Organise your closet. Mix and match existing stuff. Sell the rest on Ebay or have a Garage sale.

3) Making a List & Checking it twice: Write down a list before you go shopping and stick to it.

4) Invite friends home: Have a blast at home with themed parties or potlucks and save big money by staying out of restaurants.

5) Repair your clothes: How often do you toss out clothes because of a missing button or a wine stain? Learn easy and quick sewing tricks and save money. Paint over or iron on a patch over small holes or stains to make funky home clothes or gardening clothes.

Remember, a small first step takes you a long way. Talk to Madhu on 0425 341 086 to share your savings tips. Read more tips and ideas on Facebook.

Is your loved one in an aged care? Then you must read this.

#Pensioner #AgedCare #Retiree #ReverseMortgage #Mortgage #HomeLoan
Heartland’s Aged Care Loan is similar to a reverse mortgage, except it has been designed specifically for those residing in aged care. As a result, unlike a standard reverse mortgage which has no term, this loan has a five year term.
The LVR determines how much Heartland is able to lend to customers, based on the value of the property used as security for the loan and the age of the youngest borrower. The table below shows the new maximum amounts that apply depending on the age of the youngest borrower.
pensioner LVR
The loan is typically used to fund aged care costs such as a Refundable Accommodation Deposit (RAD) or Daily Accommodation Payments (DAP), but can also fund other costs such as home renovations.
We have years of experience in aged care and finance, call Madhu on 0425 341 086 to help your loved one. Email us at for more details. Share your thoughts on Facebook.

Savings Tips


Most people carry a lot of debt and very little savings. The goal is just the opposite: You should save 15% of your pretax income via super contribution, and an additional 20%–25% of your after tax income. #savings#investment#coffee#homeloan#budget The key is to make a budget and stick to it.

I have a always lived on a strict budget 50% of my after tax income goes to my mandatory household bills: Mortgage, car payment, utilities, etc. I then try to save on the things I buy consistently like petrol, groceries, household stuff, and major purchases and investing that money.

For example, by not spending $10 a day for lunch or overpriced coffees you’ll save $200 a month. At the end of 12 months, you’ll have $2,400. If you save an additional $50 every month, you’ll end up with $3,000. Big deal right? Not impressed? Imagine you are a making a higher level of income, and multiple your savings amount by 10 to $2,500 a month. That’s a $70,000 difference! Imagine that. That can be the deposit on your new home.

Call me on 0425 341 086 to discuss your investments and home loan. Read similar articles on Facebook.






Do you constantly overspend? You personality might be controlling your purse…

Did you know that each letter of your Myers-Briggs type could affect your finance?  #Investment #Personality #introvert #extrovert #Planning#shopping

Extroversion vs. Introversion
The E-I preference pair deals with the way people source their energy. Extroverts may be prone to overspending on social activities like annual getaways with friends or work happy hours. Introverts on the other hand, may spend too much time alone pondering a big money decision, arming themselves with loads of information but not seeking potentially useful outside input.

Sensing vs. Intuition
The two middle letters that make up your MBTI personality type shed light on (1) how you absorb information and (2) how you make decisions or come to conclusions. Sensing is about taking in information in a very specific, step-by-step, sequential way. People who show a preference for Intuition prefer the big-picture information. People with extroversion and sensing preferences might not consider what’s coming around the corner so it’s important that they consider how their present decisions could affect long-term goals.

Thinking vs. Feeling
Thinking people make a pros-and-cons list. Those with a feeling approach, however, give weight to how their choices will affect those close to them.

Judging vs. Perceiving
The J-P preference pair captures the way you organize your world. People who fall under the judging could be a bit too hasty when it comes to making money moves because they just want to experience the “joy of closure. Perceiving people they tend to drag their feet because they desire casualness and flexibility. Which means that they may wait too long to make those important financial decisions.

Read more on Facebook or LinkedIn.






Energy bills have been on the rise and are likely to keep increasing.

Energy bills are a big part of the monthly household budget and recent price rises have added to these costs.#budget #SavinCleanenergy #greenenergy#energy

From using the clothes line instead of a dryer to using solar panels there are plenty of options to stay within your household budget.

The good news is that there are lower price plans in the market and you can save money by switching, especially if you have been on the same plan for a while. So read your current bill carefully and make the necessary changes.

Read more on our Facebook page or at

education-costEducation costs particularly in the case of elite private schools, can consume a very large proportion of household disposable income.

High school fees at private schools will set families back upwards of $30,000 a year, and that is before the costs of school uniforms, equipment, building fund levies and extra curricular activities are taken into account.

There are a number of ways to save for education costs, and different options will suit different investors including Mortgage Offset accounts .

To find the right balance between your daily costs, mortgage payments and your children's higher education email us at


Start the new year with these saving tips!

If getting started has been a challenge, read on for some pain-free strategies that could help you free up some cash for your new car new home or that big annual holiday —because every bit you can save and invest for your future is money well spent.

*Skip One $20 Purchase a Week
Think about how quickly a twenty can exit your wallet: Your daily cups of coffee, that after-work happy hour every week can all easily add up to $20 or more—and fast. Eliminating these types of small expenses probably won’t require a major change to your lifestyle—but
that $80 a month you’re putting into your savings account could have a big impact.

*Slash a Big Monthly Spending Category by 10%
If you want to go a step further, ferret out a budget category that you feel could use a trim and try to shave just 10% from it. Maybe that means cutting a few work lunches a month from your food budget, or skipping a few movies to trim your entertainment costs.

*Try a Financial ‘Fast’ Once a Quarter
If you’re the type who likes to challenge yourself, consider taking a week once every three months or so to live as frugally as possible; then transfer what you saved over a typical week into your retirement account.

*Make Cash King for a Week
Try not using your plastic for a period of time—even if just a week—and see if you end up spending less than you would if you used credit. If you do, consider making this a weekly ritual. Skeptical? You’ll actually spend less as you watch the cash flow away.

*Redirect Old Debt Payments
If you’ve recently finished paying off a car, a credit card, a student loan or a personal loan, congratulations! That’s a big accomplishment. But before you start doing your happy “I now have more spending money!” dance, think about diverting that old payment amount into your savings account.

“Framing is a concept that captures how we behave differently based on how a situation is presented to us. In this case, a saver is framing their income as lower than it truly is by matching a reduction in expenses with an increase in savings." This strategy only works due to mindlessness. We often associate mindlessness with negative financial behaviors, but in this case, we’re using it to our advantage. If we were truly mindful about every paycheck we receive, this self-deception wouldn’t work.
So in a nutshell, spend mindfully but save mindlessly—it just might help you get a jump start on that nest egg. Contact us at to get started with the right advice.