Win a Lenovo IdeaPad K1 Tablet

Register to win a Lenovo IdeaPad K1 (32GB, WiFi) Tablet  valued
at $449 and sign up to stay connected with Lenovo.

You will receive exclusive subscriber offers, product news and more.

Click here to enter now

Competition closes at 11:59pm AEDST on 26 March 2012

David and Tess
Your Personal Money Coaches

Savings Tip: MoneySmart Budget Planner from the Australian Government

 

The MoneySmart Budget Planner is a great way to check your spending and identify ways to cut back on unnecessary or excess expenses.

The planner is bought to you by the Australian Government and it a very easy to use tool.

Create multiple budgets, save, and print them for reference in the future.

We gave it a go and were able to identify areas that we can save more money on.

Check out the MoneySmart Budget Planner today and save yourself some money!

David and Tess
Your Personal Money Coaches

Savings Tip: The five biggest money mistakes

Check out this interesting post by the Sydney Morning Herald on 29.1.2012

The 5 biggest money mistakes

  1. Buying a home without thought to the future
  2. Keeping savings anywhere but your mortgage
  3. Failing to use protection – insurance that is.
  4. Succumbing to barbeque risk
  5. Focusing on the pain, not the payoff

Each bullet point has more information in the article.

See the article here

 

David and Tess
Your Personal Money Coaches

Savings Tip: Cash or Credit – How should you pay?

Every day we are faced with the question – should you pay with cash or credit?

Many factors can influence your decision like whether or not you have the cash on hand, your card’s credit limit, the size of your purchase etc.

There are benefits to using both that we will discuss in this article. There is one main consideration, however, to always keep in mind. If you use a credit card for a purchase, will you pay off your balance in full each month? Your answer to this question will go a long way to helping you determine if you should use Cash or Credit on your next purchase.

Assuming you pay your credit cards in full each month, you have to consider the following:

Managing your money

  • Do you spend less with cash or on credit?
  • You can track your spending better with credit
  • If you pay off your bill at the end of each month you basically get an interest free loan
  • Do you have access to the cash right now?
  • What is the size of your purchase?
  • Credit Card Rewards = Free money (No rewards with cash)

We tend to use credit cards for just about everything because of the rewards, convenience, and security. However, this is because we pay off our credit card bills in full each month. If you don’t pay off your balance in full then you will be charged interest that wipes off the value of the rewards you have accumulated.

Take the time to figure out what the best plan for money management is for you and/or your family when dealing with cash and credit.

 

 

David and Tess
Your Personal Money Coaches

Have you heard of Fiverr?

Fiverr is…

“The place for people to share things they’re willing to do for $5. Buy. Sell. Have Fun.”

Fiverr is similar to a freelancing website, but a lot easier for beginners to get started making money from it.  You can turn almost anything into a service of some kind and get paid for it.

As the name suggests, all the gigs are $5. For buyers its all free and there is no fee. But, as a service provider, you pay a fee to Fiverr which is $1 for every $5 you earn, which I think is a fair fee, considering it makes it easy for you to find costumers and for potential customers to find you.

The system is set up somehow that after you are done with a project, the buyers can leave positive or negative feedback, which can help or hurt your chances of getting more clients. The better you work, the more positive feedback you get, which obviously brings in more clients. So, you can use Fiverr to build a profile for yourself and get some clients. Its a great way to start building your reputation for whatever service you offer.

We decided to give Fiverr a go and we got an intro for a iLoveMoney video done for $5!!!

Check it out here and see what you think. We love it!

 

David and Tess
Your Personal Money Coaches

Home Business Opportunity: Earn Income at Home

 

Income At Home have helped thousands of people just like you earn an incredible income at home. All you need is a computer, and they’ll show you how to get started with as much, or as little, time as you want.

Thousands of Aussies are making money at home!

Check out what Rosalyn and Chris S. have to say:

“In the last two years, we’ve traveled around Australia and overseas, turning our holiday dreams into reality.

We’ve been able to drastically reduce the number of hours we work for someone else and now get to kiss our boys goodnight every night!

We’re on track to make this business our full time job within the next six months.

Get your RISK FREE training package today

Earn Income At Home

David and Tess
Your Personal Money Coaches

Dadshop 5% off coupon code

Dad Shop is Australia’s leading specialist online gift store for guys of all ages, Dad, Grandad, brother, mates, friends, son, boyfriend or husband.

We have a special 5% discount for you

Coupon Code: dadclick5

Terms: 5% discount on any purchase not including shipping fees.

Check out DadShop.com.au today!

David and Tess
Your Personal Money Coaches

Savings Tip: Save an average of $400 each year on your electricity

 

Save now on your Gas and Electricity

Do you want to save an average of $400 on your annual energy bill?

Let GoSwitch help you choose the cheapest gas and electricity offer.

Get a FREE unbiased comparison of all gas & electric providers
available in your area. All it takes is a five minute phone call with a GoSwitch
switching specialist to find the cheapest energy offer.

Offer available to NSW, VIC, and ACT residents only

This is a free service – check it out now

David and Tess
Your Personal Money Coaches

Free Sample: 1 Month Unlimited DVD & Blu-ray. PLUS Streaming!

Get 1 Month Unlimited DVD & Blu-ray. PLUS Streaming from Quickflix!

Try online DVD rental with Quickflix. FREE trial, FREE DVD rentals. Register now and get DVDs in the mail.  Try it today!

  • Over 50,000 movies and TV shows on DVD and Blu-ray by mail
  • Hundreds to stream instantly online
  • No late fees or lock-in contracts
  • 4 weeks unlimited access

It’s easy to get started so join today and watch some great flicks tonight!

Free sample valued at $29.99!!!

Get it now

David and Tess
Your Personal Money Coaches

Help the kids this Christmas: Kidney Health Australia

 

Kidney Health Australia conducts lotteries in various states of Australia to raise much needed funds to ensure we can continue our valuable work and run the Kidney Kids Camps and other important projects. Money raised from our lotteries help us fund the many programs and services we offer, as well as vital medical research. One of the main programs is our Kidney Kids Camp, which is a five day camp run especially for ‘Kidney Kids’ – young people aged between 7 and 17 years who are affected by kidney disease.

Current Lotteries Include:

  • Win a Mazda 3
  • Win a $25,000 Travel Spree
  • Win $20,000 cash

Help the kids out today by buying a ticket in the lottery

David and Tess
Your Personal Money Coaches