Penny Pinching – All Mum Said http://allmumsaid.com.au Telling it like it is... Thu, 14 Apr 2016 14:01:50 +0000 en-US hourly 1 https://wordpress.org/?v=4.5 http://i1.wp.com/allmumsaid.com.au/wp-content/uploads/2016/03/cropped-favicon.jpg?fit=32%2C32 Penny Pinching – All Mum Said http://allmumsaid.com.au 32 32 Cheap Online Shopping Australia + $250 Crazy Sales Giveaway http://allmumsaid.com.au/cheap-online-shopping-australia-250-crazy-sales-giveaway/ http://allmumsaid.com.au/cheap-online-shopping-australia-250-crazy-sales-giveaway/#comments Thu, 21 Jan 2016 13:01:21 +0000 http://allmumsaid.com.au/?p=8855 Cheap Online Shopping Australia It’s time to get money savvy. Bargain hunt, research and save yourself some cash! You have worked long hours and don’t want your hard earned dollars going down the drain. These days everyone is doing it tough and is trying to get the most bang for their bucks. Cheap online shopping […]

The post Cheap Online Shopping Australia + $250 Crazy Sales Giveaway appeared first on All Mum Said.

]]>

Cheap Online Shopping Australia

It’s time to get money savvy. Bargain hunt, research and save yourself some cash!
You have worked long hours and don’t want your hard earned dollars going down the drain. These days everyone is doing it tough and is trying to get the most bang for their bucks. Cheap online shopping in Australia makes it possible!

Save time and money

Shopping online allows customers to compare, shop and save at the click of a button. No more going from shop to shop, trying to find a parking space and then comparing prices. Online shopping in Australia is convenient and easy!

Many online stores like Crazy Sales offer almost every category of item you could possibly want. They have everything from sporting goods to bedding. Their outdoor & leisure equipment has bargain swimming pools, sunshades and awnings, tents, BBQ pits, lighting and so much more. This not only has the essentials your family needs to go camping or to enjoy the Summer sun, you can do it at affordable prices!

cheap online shopping australia

 

Parents are typically always on the lookout for babies and kids toys they can put away for Christmas and birthdays. This is especially the case when they are a bargain-basement price and a sale too good to pass up. Bikes, trikes and wooden kitchens are always a winner. No child will turn down a water table, pogo stick or a cubby house and parents won’t turn down a bargain!

cheap online shopping australia

New Year’s brings resolutions; many that won’t be kept and will generally cost you money. Instead of wasting hundreds of dollars buying the best instruments you can (because you plan on becoming the next big thing!), start with something more affordable and if you stick with it, then go big. Crazy Sales has heaps of instruments and accessories at hugely discounted prices!

cheap online shopping australia

Sport and fitness is another area that people seems to spend thousands on. Exercise and health is fantastic but it doesn’t have to cost obscene amounts. You can now get fit at home with fantastically priced sporting equipment such as home gyms, cross trainers and even trampolines. If poor quality is a concern; read the reviews by previous customers on the product you are looking at to put your mind at ease.

cheap online shopping australia

Be smart with your money! Don’t waste it on overpriced products when you have cheap online shopping in Australia available to you.

Win | giveaways | prizes | All Mum Said

Prize Includes: $250 Crazy Sales voucher.

cheap online shopping australia

**As the winners are chosen based on skill and not chance; you will be sharing for 0 extra entries however I’d love you to share the giveaway with friends and family. Sharing is caring and karma loves kind people. **

a Rafflecopter giveaway

Terms & Conditions:
(1). Entries open to Australian Residents only.
(2). Comments on blog and shares via social media are required.
(3). This is a contest of creativity, the most creative entry will be chosen as the winner by the blogger. Judges decision is final.
(4). Prize costs will be borne by Crazy Sales, however Crazy Sales will take no responsibility for the package once it has been shipped.
(5). Winners are required to photos of the prize and share them on social media with a link to the product page.
(6). Commenting on the relative post announced on CrazySale Facebook page is also eligible to enter.
(7). NOT endorsed by or have anything to do with facebook.
If you want to enter more giveaways click over here.

Disclosure: I joined forces with Crazy Sales to bring you this giveaway. All opinions are my own.

The post Cheap Online Shopping Australia + $250 Crazy Sales Giveaway appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/cheap-online-shopping-australia-250-crazy-sales-giveaway/feed/ 136
Protecting Your Family’s Financial Future http://allmumsaid.com.au/protecting-your-familys-financial-future-life-insurance/ http://allmumsaid.com.au/protecting-your-familys-financial-future-life-insurance/#respond Mon, 23 Nov 2015 19:30:22 +0000 http://allmumsaid.com.au/?p=8386 Protecting Your Family’s Financial Future You probably already look to insure your car, home and maybe your health but what about your family’s financial future? Many people overlook the idea of having life insurance or are not fully aware of the benefits but it can give all-important peace of mind if the main earner in […]

The post Protecting Your Family’s Financial Future appeared first on All Mum Said.

]]>

Protecting Your Family’s Financial Future

You probably already look to insure your car, home and maybe your health but what about your family’s financial future? Many people overlook the idea of having life insurance or are not fully aware of the benefits but it can give all-important peace of mind if the main earner in the household dies or cannot work. Here are some of the reasons why you should think about having life insurance.

The Benefits of Life Insurance

How would you cope financially if you lost the income of the main earner in the household? For most people, this would be a devastating scenario, especially if you have little or no savings to help you.

There are several different options when it comes to buying life insurance and a lot will depend on the type(s) of scenario that you want to cover yourself for. Most people are at least vaguely aware of general life insurance (also known as Death insurance), which provides a lump sum payment for beneficiaries if the policyholder dies or becomes terminally ill.

Besides this, there is also the option to buy Total and Permanent Disability (TPD) insurance, Trauma insurance (also known as Critical Illness insurance) and Income Protection insurance. These life insurance products can protect against being unable to work due to permanent disability, certain medical traumas and illness, injury or an accident.

Do You Already Have Any Life Insurance?

If you have a superannuation fund, you may already have at least some degree of life insurance attached to this. This has the benefit of being cost effective as premiums are deducted from your super balance but it does have some drawbacks.

Many people are content to rely solely on this (especially if they would struggle to find room in their budget for premiums) but the default minimum cover will rarely be enough to provide an adequate level of protection unless you choose to upgrade from this. Not all types of life insurance are available through your super fund; Trauma/Critical Illness insurance cannot be bought in this way, for example.

You can choose to buy more life insurance cover through your super fund or shop around for additional cover through an insurer.

How Much Life Insurance to Buy?

Underinsurance is a big problem in Australia, especially for life insurance. This means that many people do not have enough life insurance in place to provide adequate protection if the worst happens. This is largely to do with an over reliance on life insurance offered through superannuation but is also due to not recognising how much life insurance is needed to give genuine financial peace of mind.

Firstly, you’ll need to think about your anticipated current and future expenses, including bills, rent or mortgage payment and debts over the next few decades. As a general rule of thumb, most families will benefit from having something in the region of $500 000 or more of Death insurance but a lot depends on your outgoings and how long you may need the payment to last for.

This is an S2 POST.

The post Protecting Your Family’s Financial Future appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/protecting-your-familys-financial-future-life-insurance/feed/ 0
Tips To Find The Right Investment Property http://allmumsaid.com.au/tips-to-find-the-right-investment-property/ http://allmumsaid.com.au/tips-to-find-the-right-investment-property/#respond Mon, 19 Oct 2015 19:30:13 +0000 http://allmumsaid.com.au/?p=8290 Tips To Find The Right Investment Property It’s time to put your future first. Don’t retire with nothing to back you up financially, get ahead now! Investing in your prospective years can make all the difference to how you live when you give up work. By setting yourself up financially in your younger years, you […]

The post Tips To Find The Right Investment Property appeared first on All Mum Said.

]]>

Tips To Find The Right Investment Property

It’s time to put your future first. Don’t retire with nothing to back you up financially, get ahead now!

Investing in your prospective years can make all the difference to how you live when you give up work. By setting yourself up financially in your younger years, you can get a head start on achieving your goals. Find the right investment property and you will be well on your way!

Why is investing in property important?

Property investment is not for everyone. Some people prefer to invest their hard earned dollars in shares and stocks. But for those interested in investment property; it is typically considered one of the safer options to invest in.

If this is a route you are considering, you must first be aware of the pros and cons that are associated with investing in property.

Pros and cons of investing in propertyFind the right investment property | All Mum Said

There are so many factors to consider but the main ones consist of:
PROS

Insurance – You can insure your investment against a wide variety of risks; natural disasters, fires, tenant damage/tenants leaving, etc.

Capital growth – If you have chosen your investment well, you will see a rise in property value over the years to come in addition to regular rental returns.

Tax benefits – If your property is negatively geared it could provide potential tax benefits. This is not always the case and should not be a deciding factor but is often a benefit to investing in property.

CONS

Problematic tenants – While this doesn’t happen regularly, you could end up with the tenants from hell. They could damage your property, refuse to leave, not pay rent and cause several other headaches that could take months to resolve.

No tenants – There is occasional periods where you will have no tenant occupying your property and you will be required to pay the mortgage repayments.

Ongoing costs – In addition to the initial cost of the property, you will also find that there are ongoing costs associated with property investment. These include: rates, body corporate (if applicable), repairs, insurances, water, maintenance and more.

Property must haves

Find the right investment property | All Mum Said

Similarly to when you are purchasing or renting a house for yourself and your family, the property must consist of certain features to make it an enjoyable and desirable place to live. Investments are no different.

Location – You have heard it before and you will hear it again. A good location is important for attracting the right tenants. A good location is safe, offers peace of mind and is close to public transport, schools, shops, etc.

Storage – From ample linen space to bedroom closets; storage is a crucial decision-making factor.

Parking – Surprising to some, not every property comes with parking. By adding the option of a garage, carport, undercover or off street parking; you will increase tenant interest dramatically.

Maintenance – It is in your best interest to find a property that requires minimal yard maintenance. Tenants don’t want to pay for upkeep of pools, gardens, etc. so unless you are willing to pay a professional to maintain the grounds, stick with simple!

Research the property you want

Find the right investment property | All Mum Said

Buying property can be an emotional experience; however when making the decision, use your head and not your heart!
Research must be done into not just the property but also the area before taking the plunge.

Infrastructure – What is happening in the area? Are future buildings, businesses or projects planned? This can have both devastating and beneficial effects on the value of your property, so ensure you know what is going on.

Return potential – The expected return of a property is one of the most important things to consider when purchasing property. Do research and compare the property with those similar in the area on rental sites.

Investment strategy – Do you plan on negatively gearing the property or receiving a positive cash follow? What is the loan rate? Suburb growth? Do you want a unit, house, etc? By comparing your answers to the above questions on the Homesales.com.au Investment Property Search, you will be shown options around Australia that are expected to produce the results you want.

Don’t just jump in and buy a property. Make sure you take the appropriate steps to ensure it is what is best for you financially and that your purchase will indeed be an investment. Don’t risk buying a bottomless money pit. For more information on property investment, click the link.

Investing in your future doesn’t have to be stressful. By considering the above points and doing your research, you will find the right investment property for you!

What tips would you offer someone trying to find the right investment property?

Disclaimer: I am not a financial advisor and this article should not be used as such. For financial advice, consult your financial advisor.
This is an S1 POST.

The post Tips To Find The Right Investment Property appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/tips-to-find-the-right-investment-property/feed/ 0
Name Labels For School – Skool Labels – Discount http://allmumsaid.com.au/name-labels-for-school-skool-labels-review-discount/ http://allmumsaid.com.au/name-labels-for-school-skool-labels-review-discount/#respond Sun, 27 Sep 2015 20:30:57 +0000 http://allmumsaid.com.au/?p=8106 With the start of another school term; the final one for the year, comes another round of stocking up on pencils, glue and rubbers. It seems to be never ending. I don’t know whether the kids actually use all their stationary, they lose it or someone takes their property. But whatever the reason for them […]

The post Name Labels For School – Skool Labels – Discount appeared first on All Mum Said.

]]>

With the start of another school term; the final one for the year, comes another round of stocking up on pencils, glue and rubbers.

It seems to be never ending. I don’t know whether the kids actually use all their stationary, they lose it or someone takes their property. But whatever the reason for them going through so much of it is; I am going to do everything to ensure that if they misplace it, someone will return it.

Skool Labels | All Mum Said

 

Putting labels on their items is a great way to ensure their belongings are named. Personalised labels are even better, for a few reasons.

1 – I don’t have to write their name repeatedly and 2 – you can personalise it to suit their interests. It’s a win – win!

Skool Labels review | All Mum Said

I have labelled the kids items this term with stickers from Skool Labels. They personalise labels for kids and because they specialise in kid’s interests, they know exactly what to offer.

They have options in a few different product ranges. Name labels come in: Classic stick ons (prices from $16.95 for 36 labels), Small stick ons (prices from $14.95 for 36 labels), Square stick ons (prices from $12.95 for 22 labels) and circle stick ons (prices from $12.95 for 18 labels).

As a result of them being waterproof and dishwasher safe, these are perfect for lunch containers, water bottles, school books, etc.

Skool Labels | All Mum Said

The pencil labels, while they are great for labelling pencils and markers, they are also the perfect size for glasses. Never again do you have to worry about lost glasses. Price: $19.95 for 130 labels.

The iron on labels will ensure your child never loses their uniform, clothing at day care, towel at swimming, etc. They are washing machine and tumble dryer safe! Prices from $14.95 for 42 labels.

Skool Labels | All Mum Said

Each of these label options are available in a range of colours, fonts and icons. They make personalising seriously and ensure kids feel like individuals. They are bright, fun and would put a smile on every child’s face.

Skool Labels discount| All Mum Siad

In case the great quality and range doesn’t have you interested; perhaps the FREE SHIPPING and three day dispatch will have you fascinated.

Skool Labels | All Mum Said

DISCOUNT!!

To celebrate the return of term 4, Skool Labels are offering 20% OFF ALL Skool Labels.

Purchase between 28th September to 4th October and use the promo code BTS20 to receive your discount!

Disclosure: I received the above Skool Labels for the purpose of this review. All Opinions are my own.

The post Name Labels For School – Skool Labels – Discount appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/name-labels-for-school-skool-labels-review-discount/feed/ 0
Dos And Don’ts Of Buying A Used Phone http://allmumsaid.com.au/dos-and-donts-of-buying-a-used-phone/ http://allmumsaid.com.au/dos-and-donts-of-buying-a-used-phone/#comments Mon, 21 Sep 2015 20:00:30 +0000 http://allmumsaid.com.au/?p=8024 Dos And Don’ts Of Buying A Used Phone Before you buy a used phone, STOP and read this. It could save you hundreds! You have found the deal of lifetime but is it really as good as it seems? There are several things to consider before buying a used phone. They include: Things to do […]

The post Dos And Don’ts Of Buying A Used Phone appeared first on All Mum Said.

]]>

Dos And Don’ts Of Buying A Used Phone

Before you buy a used phone, STOP and read this. It could save you hundreds!
You have found the deal of lifetime but is it really as good as it seems? There are several things to consider before buying a used phone. They include:

Things to do before handing over your money

You wouldn’t just hand your money over to some stranger walking past you in the street, so why would you think about doing it when buying a 2nd phone or tablet?

buying a used phone | All Mum Said | Tip

Do your research

This should typically go without saying however some people get caught up in the ‘great deal’ that they don’t bother or take the sellers word for it.

Take into consideration what you are looking for in a phone; make a checklist if it is easier. Know what brand you want, storage size, minimum running system, screen size and most importantly condition. By researching your requirements in a phone you will be more prepared and likely to wait for the ‘right’ phone to come along.

Tip: Buy after the latest release because the price will drop considerably!

buying a used phone | All Mum Said | Inspect | Tip

Inspect

Always meet in person so you can physically inspect the goods yourself. Take a long hard look at the phone for scratches, dents, water damage and cracks. If these look fine then you should extend your inspection to be more thorough.

Include checking: SIM works, Micro SD is recognisable, speakers, pixels in screen, camera, headphone and charger ports work and that it is unlocked or compatible to your network. By ensuring these individual components are in good working order, you will have less to worry about when you get home.

Tip: Before meeting with the seller, ask as many questions as possible so you know exactly what to expect when you arrive. This includes the lowest price accepted should phone be as described.

Check IMEI

While this is not a foolproof way to check on a phones handset status; it will tell you at the time of your search whether it has been reported stolen or is blocked.

Check the status of handset here.

Tip: Always request proof of ownership from current owner before handing over your money.

buying a used phone | All Mum Said | Check IMEI | Tip

Elimination process

By narrowing down your options based on your requirements, the price and the handsets conditions; you will have a much better idea of what the going rate for that specific phone is. Gumtree have now made the elimination process easier for both buyers and sellers with their online phone price checker tool. This allows you to see the average price and condition of common smart phones.

Do not!

We know finding a bargain is exhilarating but there are some things you should never do when buying a used phone.
Do not rush in and buy the first one you see. You never know what is waiting around the corner.
Never meet in a private place. Ensure your meeting venue is a public space and during daylight. Your safety is important!
Don’t just take the sellers word that it works. Test it and view it in person before paying.

buying a used phone | All Mum Said

Buying used handsets and tablets definitely has its advantages. They are much more affordable, they don’t require lock in contracts and are typically no different to purchasing new.

You often hear about people having bad experiences buying 2nd hand phones; however if you take these mentioned factors into consideration when purchasing used phones, odds are you will have a positive experience.

What are your dos and don’ts of buying used phones and tablets?

This is an S1 POST.

The post Dos And Don’ts Of Buying A Used Phone appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/dos-and-donts-of-buying-a-used-phone/feed/ 4
Storksak Catherine Review + Discount + Giveaway http://allmumsaid.com.au/storksak-catherine-review-discount-giveaway/ http://allmumsaid.com.au/storksak-catherine-review-discount-giveaway/#comments Thu, 10 Sep 2015 03:22:37 +0000 http://allmumsaid.com.au/?p=7958 As you all know, I am expecting a baby in the first week of November. As a result of the pregnancy being quite the surprise, we had already given majority of our baby things away. And like most parents will agree, a nappy bag is a ‘must have’ baby item for the first year, at […]

The post Storksak Catherine Review + Discount + Giveaway appeared first on All Mum Said.

]]>

As you all know, I am expecting a baby in the first week of November. As a result of the pregnancy being quite the surprise, we had already given majority of our baby things away. And like most parents will agree, a nappy bag is a ‘must have’ baby item for the first year, at least!

This is why I couldn’t have been more thrilled when I received an email from the lovely team at Storksak; telling me about their new release of Spring/Summer 2015 bags. I am a huge fan of Storksak. I have been for years. When I found out I was pregnant with Poppet (now 2 years old) I invested in a black EMILY NYLON. I hoped it would last longer being more expensive and I am so glad I got it. It is still in near perfect condition today! Just goes to show sometimes spending that bit extra does indeed bring a higher level of quality.

Storksak Catherine Review

Anyway, today I want to share with you my latest and very much loved CATHERINE leather bag. She is just gorgeous! I have the Bordeaux colour and I must say that the image online does not do it any justice, it is a divinely rich shade that complements a chic appearance with practicality.

What do I love about this bag?

There are several things I adore about the Catherine bag and I know many of you lovely mums-to-be and new mums will understand completely!

Features Features Features!

Firstly, there is nothing quite like the smell of new leather being unwrapped. It makes those senses go tingly with excitement. I just love the slouchy appearance, it is my style completely!

Storksak Catherine review discount giveaway | All Mum Said

Exterior

  • Handles – There are 2 straps standard with the Catherine. Short ones which make the bag the perfect length to wear under your arm and a detachable padded long leather strap. The long detachable strap offers more than just the ability to wear it over it your shoulder or across your body though, it also features Velcro straps that make it perfect for carrying on your stroller or pram. It really is genius thinking!
  • Storage – There are three zipped storage pockets located on the exterior of the bag. Two are discreetly located on the front and are slightly larger than my hand when it is stretched out. The other is on the side and is an insulated bottle pocket.
  • Protection – On the base of the nappy bag, there are four circular studs that protect the bag when placed on the ground. No more worrying whether you will scuff or scratch the leather.

Storksak Catherine review discount giveaway | All Mum Said

Interior

  • Storage – This bag offers storage that every parent needs. You will never complain about the lack of it in this particular bag (or the Emily). Internally this bag features 6 storage pockets.

Three are great for snack or bottle storage, one is enclosed with a zip and the other two are larger. I find these particularly handy for nappy sacks, nappy rash cream and sanitiser.

Storksak Catherine review discount giveaway | All Mum Said

  • Main compartment – this section of the bag is massive and can cater to whatever you need to hold. Nappies, wipes, spare clothes, bottles, formula, breast pump and possibly even a blanket!

Storksak Catherine review discount giveaway | All Mum Said

Inclusions

  • Storage – Just in case you didn’t already have enough storage; there is an additional removable zippered pouch inside the bag. It features a matching leather trim and is perfect for a spare set of clothes, pain relief/medicines, etc.
  • Changing mat – This is one thing every good nappy bag needs. An included changing mat for when you are out and about. I love that this one folds up small enough to be practical and fits into the bag with everything else. It is sturdy enough to machine wash without being damaged as well.

Storksak Catherine review discount giveaway | All Mum Said

Size

  • It is an impressive size at H34 x W47 x D14 cm

I love that it is not overly huge but it is large enough to be convenient and looks amazing!

Storksak Catherine review discount giveaway | All Mum Said

Quality

As mentioned at the beginning of the review, I trust Storsak to provide nothing but quality after my previous bag is still going strong after years of abuse use. The Catherine bag I have is made with soft leather but I don’t feel like I have to be extremely gentle with it, which is ideal.

 

STORKSAK DISCOUNT

I have an amazing discount for All Mum Said readers who have always wanted to get their hands on a Storsak bag but haven’t been able to part with the cash.
A whopping 25% OFF!!

This 25% discount can be used on ALL Storksak bags! Visit www.storksak.com.au to view their amazing range and get your Storksak bag now. Use CODE: MUM25.

Storksak discount code | 25% OFF | All Mum Said

*Please note this Storksak discount code is only available for Australia and New Zealand customers.

Win | giveaways | prizes | All Mum Said

PRIZE INCLUDES: 1x Catherine Nylon bag in Moss or Navy (winners choice). RRP $270.00.

Storksak Catherine review discount giveaway | All Mum Said

 **As the winners are chosen based on skill and not chance; you will be sharing for 0 extra entries however I’d love you to share the giveaway with friends and family. Sharing is caring and karma loves kind people. **

a Rafflecopter giveaway

Terms & Conditions: 
1. Australian residents only.
2. Judges decisions is final.
3. Winners must make contact within 72 hours.
4. This is a game of skill. Chance plays no part!
Therefore no extra points are given for sharing however it is good karma!!
5. All Mum Said is not responsible for delivery of prize.
NOT endorsed by or have anything to do with facebook.

If you want to enter more giveaways click over here.

Disclosure: I received the above Storksak Catherine bag for the purpose of this review. All opinions are my own.

The post Storksak Catherine Review + Discount + Giveaway appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/storksak-catherine-review-discount-giveaway/feed/ 52
Things To Consider Before Installing a Solar Power System http://allmumsaid.com.au/things-to-consider-before-installing-a-solar-power-system/ http://allmumsaid.com.au/things-to-consider-before-installing-a-solar-power-system/#respond Wed, 26 Aug 2015 00:43:08 +0000 http://allmumsaid.com.au/?p=7836 Factors to Consider Before Installing a Solar Power System Solar power is no longer a new concept, yet for some reason there is still a lot of hesitation around taking it on as an alternate energy source. A lot of this can be due to misinformation and people not willing to look further. In reality, […]

The post Things To Consider Before Installing a Solar Power System appeared first on All Mum Said.

]]>

Factors to Consider Before Installing a Solar Power System

Solar power is no longer a new concept, yet for some reason there is still a lot of hesitation around taking it on as an alternate energy source. A lot of this can be due to misinformation and people not willing to look further. In reality, though, investing in solar is no different to any other lifestyle investment, and can be undertaken by anyone who is willing to do their homework. If you think this is the approach for you, then below are the important factors you do need to consider before installing a solar power system.

Price wars

Although investing in solar energy is a lot more affordable than it was a few years ago, you still have to consider your budget when taking it on. Firstly, look at what you can afford now; for example, can you make an up-front payment? If not, taking on a payment plan could be a more realistic solution. Most solar companies such as Absolute Energy Solutions are fairly flexible with consumers, as they want you to make the move to this renewable resource. Do your research and don’t hesitate to take along a note book of questions when you speak to a provider. Also, know your objectives for investing in solar, and how much energy you consume. Because as you will see below, the more energy you need, the more panels you will have to purchase.

Installing a solar power system | All Mum Said

Big or small

When it comes to solar panels, size definitely matters, as the proportions of your product will dictate their overall energy output. The best way to determine what size or how many panels you’ll need is to look at what your current electricity requirements are — make sure you’re being as energy efficient as possible first, though. From here it is fairly straightforward; if you need a lot of energy, you are going to have to invest in a larger system. But vice versa; just because you have an enormous area of roof space does not mean you have to cover the entire thing, especially if this energy isn’t going to be used. It will just end up costing you more to buy and install.

Location, location

When installing solar panels, it’s all about the location. Firstly, you need to think about what area of your roof attracts the most direct sunlight for the largest portion of the day. Although solar panels will still absorb sunshine even when it’s not hitting the mark, direct sunlight will really maximise your solar energy output. For the southern hemisphere this is usually a north-facing orientation. Of course, solar panels don’t have to be installed on the roof; however, this is usually the most convenient, unused space. If you do go ahead with the roof though, make sure it’s stable enough to support your solar panels, and depending on the roof’s angle, you may have to tilt the frames.

These factors are all important, but at the end of the day, the biggest one is what investing in solar will actually mean for you and your home—it should not just be about following a trend, but rather be about lower electricity bills and helping to reduce your environmental impact.

Where do your biggest concerns lie in regards to solar? Tell me below!

This is an S2 POST.

The post Things To Consider Before Installing a Solar Power System appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/things-to-consider-before-installing-a-solar-power-system/feed/ 0
A safe bet for retirement savings http://allmumsaid.com.au/fixed-rate-interest-home-loans-a-safe-bet-for-retirement-savings/ http://allmumsaid.com.au/fixed-rate-interest-home-loans-a-safe-bet-for-retirement-savings/#respond Thu, 13 Aug 2015 23:39:00 +0000 http://allmumsaid.com.au/?p=7768 With the increase in the retirement age, changes to our superannuation and the anticipated reduction in the asset limits for retirees, saving for your retirement is not easy. On top of the challenges given to retirees from the government, there are so many different packages and ways to invest your money that sometimes you just […]

The post A safe bet for retirement savings appeared first on All Mum Said.

]]>

With the increase in the retirement age, changes to our superannuation and the anticipated reduction in the asset limits for retirees, saving for your retirement is not easy.

On top of the challenges given to retirees from the government, there are so many different packages and ways to invest your money that sometimes you just don’t know which way to turn. Then again, you hear of so many people losing their money, due to poor investment choices, that just finding an honest to goodness investment is fraught with an unhealthy amount of stress.

That’s why it is good to know that you can still put together a sizable nest egg for your retirement, which will help you out of a tight spot in later years – and it’s all about bricks and mortar.

fixed rate interest home loans | All Mum Said

Save for your retirement with real estate

There is no better time to purchase real estate than in today’s financial market. With interest rates so low, it seems daft to put your money anywhere else. After all, Aussies have always loved their homes and the property market is always a safe bet.

Yes, the market cycles up and down, but if you keep your eyes open and your ear to the ground, you can easily purchase the right property at the right price. So long as you don’t buy at the height of a real estate cycle and try to sell at the bottom, then over time, capital gains will continue to grow your nest egg nicely.

With a few properties under your belt, you will have a much more positive outlook on life and a much better foundation for your retirement. One of the positives about buying investment properties is that the rent pays off your mortgage and if there is any difference between the two, then you just negative gear it at tax time.

You can also claim a lot of improvements against your tax, so the out of pockets might be either non-existent or very minimal. Once you retire, then you can decide whether or not to sell one or more of your investment properties and realise the gains or just continue on and accrue more capital gains.

fixed rate interest home loans | All Mum Said

Fixed rate loans vs variable rates for your investment properties

When the interest rates are so low, it just makes sense to go with a fixed mortgage and lock in a really low rate for the next 3-5 years. With a low fixed rate on your investment property loans, you can focus on the capital gains and with low $ loan repayments (due to fixing at a really low interest rate), then the rent quite often covers all of the remaining expenses.

So if you want to set up a sizable nest egg for your retirement, check out the fixed rate interest home loans found at NPBS and look forward to a bright future.

fixed rate interest home loans | All Mum Said

What are your tips for saving for retirement?

This is an S2 POST.

The post A safe bet for retirement savings appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/fixed-rate-interest-home-loans-a-safe-bet-for-retirement-savings/feed/ 0
Little Chicks Poncho ~ Girls Fashion http://allmumsaid.com.au/charli-bird-poncho-girls-fashion/ http://allmumsaid.com.au/charli-bird-poncho-girls-fashion/#comments Sun, 02 Aug 2015 14:01:30 +0000 http://allmumsaid.com.au/?p=7720 Before having a daughter, I was in awe at all the gorgeous girl’s clothes that were available. They hung on their shop hangers looking so pretty. I had two boys and there was just never anything super cute that screamed ‘I have to get that for them’. There was nice clothes but not like what […]

The post Little Chicks Poncho ~ Girls Fashion appeared first on All Mum Said.

]]>

Before having a daughter, I was in awe at all the gorgeous girl’s clothes that were available. They hung on their shop hangers looking so pretty. I had two boys and there was just never anything super cute that screamed ‘I have to get that for them’. There was nice clothes but not like what girl’s had to choose from.

charli bird poncho | All Mum Said

Now that I have a daughter (and another on the way), I am discovering that, dare I say it, there may be too much to choose from! It is so hard to know what is going to last the distance and actually be value for money. I don’t like to spend a great deal on kids clothing as they are so rough and tumble and grow dreadfully fast but I want the clothes to be hard wearing and affordable.

Charli Bird poncho – Little Chicks

A lot of brands and items of clothing I have bought for my daughter have come with high reviews from other mums. This is why I feel I must share the latest piece Poppet has been given. I have talked about the brand Charli Bird on the blog before, but it has been for adult products (scarves in particular because I’m a scarf addict). Well what you may not know is that they have now got a range of kid’s products exclusively available online. The Charli Bird  ponchos for Little Chicks are absolutely adorable and perfect autumn and winter weather.

charli bird poncho | All Mum Said

The budget friendly mum in me loves the versatility that these ponchos provide. They are designed to grow with your child for years; initially it will be a longer style poncho and as your child grows it will become more of a short shawl whilst remaining stylish and well fitting.

These little girls ponchos are designed in Australia by Charli Bird and made from a blend of 70% wool and 30% polymine which gives a soft cashmere feel. I cannot believe how incredibly soft it is, even after being washed! Oh and speaking of washing, it doesn’t shrink or lose its shape. I love how adaptable this piece of clothing is; it is ideal for wearing over tights or jeans and is suitable for a trip to the park or to dress up for dinner.

charli bird poncho | All Mum Said

Because every little girl is different, they are available in 4 colours: Lollipop – hot pink/orange, Bubblegum – purple/mauve, Blue Heaven – dark blue/ light blue, Liquorice – black/ cream. Poppet has Bubblegum.
S/M suitable for 3-5 year olds and M/L for 6-10 year olds. For specific measurements of the ponchos visit the Charli Bird website.
Just in case you are sitting on the fence with these adorable pieces; they are currently on sale. Prices start at $59.95.

What is your favourite online clothing shop for kids?

The post Little Chicks Poncho ~ Girls Fashion appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/charli-bird-poncho-girls-fashion/feed/ 4
6 Business Ideas for Stay at Home Mums http://allmumsaid.com.au/6-business-ideas-for-stay-at-home-mums/ http://allmumsaid.com.au/6-business-ideas-for-stay-at-home-mums/#respond Thu, 28 May 2015 01:26:03 +0000 http://allmumsaid.com.au/?p=7364 Whether setting up your own business is something you’ve always dreamed of or you’re just looking for a way to supplement the family income, trying to juggle a fledgling operation while being the primary caregiver for your family can be difficult. But if done well, it can be quite profitable and fulfilling for you too. […]

The post 6 Business Ideas for Stay at Home Mums appeared first on All Mum Said.

]]>

Whether setting up your own business is something you’ve always dreamed of or you’re just looking for a way to supplement the family income, trying to juggle a fledgling operation while being the primary caregiver for your family can be difficult. But if done well, it can be quite profitable and fulfilling for you too. Below you’ll find a list of six business ideas that work best for stay-at-home parents.

Business Ideas For Stay At Home Mums

business ideas for stay at home mums

1. Professional Consultancy

Deciding to take a couple of years – or longer – out of the workforce doesn’t have to mean your career takes a back seat. Why not consider offering boutique consultancy services in your field? You will have to allocate some time for client meetings and communication during business hours, but you are otherwise free to work when it suits you.

2. Virtual Assistant

Administration, call handling and calendar management are all roles that can be done away from a traditional office environment. You can offer the services independently or sign up with an agency to help place you with clients.

3. Party Plan Businesses

No doubt you’ve been to an in-home demonstration before. The consultants are often parents just like you, running their own operation in the times that suit them and selling products they love. You could display and sell anything from cosmetics and clothing to home appliances.

4. Start a Tech Company

If you are the type of person who loves the thrill and challenge of a sales job and have access to a phone and a computer, you could be the boss of your own telecommunications company. Many savvy entrepreneurs are taking advantage of services like Telcoinabox, which make setting up what is virtually your own phone company simple and affordable for everyone.

5. Service-Related Business

Is there something you wish you could outsource around your home to make your family’s lifestyle easier? Why not look into seeing how feasible it is for you to offer it. Make sure you establish if there is actually a market for the service and if you can provide it affordably while still making above minimum wage yourself – sometimes there’s a reason why such a thing doesn’t already exist!

6. Washing and Ironing

More laundry might be the last thing you want right now, but there can be some serious cash to be made by offering this service and it’s something you can do while indulging in some ‘you’ time while watching your favourite show or after the children go to bed. You already have all the tools you need to get started and marketing can be as simple as hanging a sign up on your local noticeboard.

Working from home can be a great way to contribute to the family budget while raising your family. But make sure you do your research to ensure you can afford the time commitment as well as any capital outlay to make it really work for you.

What advice would you give to stay-at-home parents looking to build a side project business around their family life?

This is an S2 POST.

The post 6 Business Ideas for Stay at Home Mums appeared first on All Mum Said.

]]>
http://allmumsaid.com.au/6-business-ideas-for-stay-at-home-mums/feed/ 0