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Like to eat? Enjoy saving money on groceries say? Well, finding the best interest rate using a mortgage calculator can be the difference between getting free groceries for the week or not! Yeah, believe it.
If you love FREE money you will definitely want to jump on this mortgage calculator and work out whether refinancing is worth. It depends how much it will cost you to get out of your loan and look, it is a hassle doing all that photocopying to collect up paperwork for the deal to go through, but it is so worth it.

Mortgage Calculator

AlexanderStein / Pixabay


The last time we refinanced we got a mortgage broker who was fantastic. He found us the best deal, helped us get our acts together (we were busy) and before we knew it, we had a stack of extra cash each week to spend on the kids, groceries or even dinner out when the mood it.
Enjoy this little calc. It’s like opening up your front and finding a box of money someone left on your porch! Really!

Other mortgage calculator resources

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Like to eat? Enjoy saving money on groceries say? Well, finding the best interest rate using a mortgage calculator can be the difference between getting free groceries for the week or not! Yeah, believe it.
If you love FREE money you will definitely want to jump on this mortgage calculator and work out whether refinancing is worth. It depends how much it will cost you to get out of your loan and look, it is a hassle doing all that photocopying to collect up paperwork for the deal to go through, but it is so worth it.

Mortgage Calculator

AlexanderStein / Pixabay


The last time we refinanced we got a mortgage broker who was fantastic. He found us the best deal, helped us get our acts together (we were busy) and before we knew it, we had a stack of extra cash each week to spend on the kids, groceries or even dinner out when the mood it.
Enjoy this little calc. It’s like opening up your front and finding a box of money someone left on your porch! Really!

Other mortgage calculator resources

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In my world, 42 is the new 27, which was always my favourite age, so I am sticking to that figure for the rest of my days. Even so, at my actual age of 42 there are supposed to be a few boring elements of life that seem closer to other people than they do to me. Deep down I know other people are right. Even though I plan to act 27 at all parties and life events moving forward, the years are going quite fast and my kids are literally growing taller in front of my eyes. Actually, they seem to look taller and bigger when they are asking me for money. I think this is a sales trick they’ve naturally developed from their father and they are really good at it.  He puffs out his chest and has a weird smile on his face when he’s talking about money, but that’s another story.
So. If you are thinking about retirement or you know someone like me who should be thinking about retiring there is a calculator for it. You can work out your own retirement or theirs and deliver the stats to them with a genuine look of concern on your face. They might just listen and you can all retire, hit the Caribbean together and drink expensive Penina-coladas like 27 year olds, because you’ll be rich! Just hydrate as you go and you shouldn’t pass out from over-consumption. Nice one.

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In my world, 42 is the new 27, which was always my favourite age, so I am sticking to that figure for the rest of my days. Even so, at my actual age of 42 there are supposed to be a few boring elements of life that seem closer to other people than they do to me. Deep down I know other people are right. Even though I plan to act 27 at all parties and life events moving forward, the years are going quite fast and my kids are literally growing taller in front of my eyes. Actually, they seem to look taller and bigger when they are asking me for money. I think this is a sales trick they’ve naturally developed from their father and they are really good at it.  He puffs out his chest and has a weird smile on his face when he’s talking about money, but that’s another story.
So. If you are thinking about retirement or you know someone like me who should be thinking about retiring there is a calculator for it. You can work out your own retirement or theirs and deliver the stats to them with a genuine look of concern on your face. They might just listen and you can all retire, hit the Caribbean together and drink expensive Penina-coladas like 27 year olds, because you’ll be rich! Just hydrate as you go and you shouldn’t pass out from over-consumption. Nice one.

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Whether your boss is a viper, sponge or all round Mr Nice Guy it is quite rare these days to be handed a big fat bonus cheque for going the extra mile. Business bottom lines might be tight but employers are going to spend a hell of lot of money on fun stuff, like lunches by the river, before they fork out a bonus because you just wrote a business plan better than the CEO could.
If you happen to do something amazing at work, and if someone happens to notice without trying to steal your bright ideas and flog them as their own, they might give you a nice fat bonus. Keep in mind that if you are this good you should probably be the CEO of your own company rather than working for someone else. If you happen to be using your workplace as a place of learning and base wage, and you do get a big fat bonus for your efforts, work out what the cheque is worth in real dollars using this little calc.
If the cheque is less than $100 it’s a slap in the face. Consider new options! There are plenty more jobs around.

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Whether your boss is a viper, sponge or all round Mr Nice Guy it is quite rare these days to be handed a big fat bonus cheque for going the extra mile. Business bottom lines might be tight but employers are going to spend a hell of lot of money on fun stuff, like lunches by the river, before they fork out a bonus because you just wrote a business plan better than the CEO could.
If you happen to do something amazing at work, and if someone happens to notice without trying to steal your bright ideas and flog them as their own, they might give you a nice fat bonus. Keep in mind that if you are this good you should probably be the CEO of your own company rather than working for someone else. If you happen to be using your workplace as a place of learning and base wage, and you do get a big fat bonus for your efforts, work out what the cheque is worth in real dollars using this little calc.
If the cheque is less than $100 it’s a slap in the face. Consider new options! There are plenty more jobs around.

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calculators_lifestyle (23)I am happy to report that hubby and I sealed a deal on our new family home yesterday! Woohoo! Do I sound casual about it? If so, I’m lying. It was a horrible experience. Hubby and I looked at over 35 houses and bid on at least six of them before finally being ‘accepted’ into the mortgage club by a young real estate agent, and a nice bank manager, who both felt sorry for us.
This is our second home. We did the reverse of most of our friends and bought our investment property first, and we have been renting for three years while we have been waiting to buy a family home. Renting has been hard but we didn’t want to over extend ourselves because we had a newborn.
Earlier in the week I had mentioned to a friend (an older, richer-than-me and very knowing friend), that ‘buying a house is hard work.’ He said ‘No it’s not – if you are willing to pay for it!’ I had to agree.
The problem was that hubby and I just didn’t want to pay too much for our house. We have been waiting to buy a house for years (we missed out when the boom hit) and so we were waiting for the time to be right (a low market) again. We didn’t want to ‘come in for the kill’ on a property we ‘liked’ but didn’t ‘love.’
We wanted to live in a great part of town near hospitals, schools, malls etc. Also near the beach. We wanted enough room to swing seven cats (excuse the cliche) and with a big shed, huge kitchen and a garden bigger than the Botanics.
Were we asking too much?
Probably!
Our patience did pay off and we managed to get most of what we wanted above and we LOVE the house! It is old but it is big! I got my big kitchen and Richard got his big shed. The kids are happy too!
The best move we made in our decision making process to work out what we could afford using a mortgage calculator. Be sure to add stamp duty and mortgage insurance to the equation. These costs alone can amount to around $40k depending on the purchase price of your property.

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Life is full of little emergencies. Some are awful and others are just annoying. I’ve had a few in the last few years that have tested my well-planned budgeting tactics. There was the time we moved house from the country. I moved to the beach while my hubby stayed up in the country finishing a home renovation. Moving from one regional area to another was expensive. Renovating was expensive. Just as I thought we had broken the budget altogether I got a call from NZ that one of my close relatives was very ill. I flew home twice in the midst of all of the above. Thankfully I had saved a small emergency fund. I had been stashing it away all year ‘in case of emergency.’ During the trauma of those days, having this little emergency fund was a godsend. I didn’t need the extra stress of having to worry about money.
This is a very useful calculator for helping you to put together an emergency fund.
Whether you’ve been hit with a traffic fine of $350, you copped a fine for not voting or Aunt Helga has arrived from Queensland and you have to take her out to the movies, you will be happy you stashed this money away.
Set up an account today via direct debit and then just forget about it. Job done. Happy family.

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It is no secret that my hubby and I love a great party. I even dedicated an entire page in my book Table Tucker to it. If you have it, you will have the inside info into my slant on the topic. I love the bubbles, the giggles, my friends in party shirts and the people at the party who fit all kinds of descriptions. Well there is no better party than a well planned one and the best parties I’ve planned that were ‘all about me’ were my 30th, 40th and my little wedding day.

My 30th

130 people in three main rooms including a karaoke room, a doof doof room and an outdoor room including a bonfire that resulted in three fire engines at my house and a bunch of very nice firemen. They ‘wrote it up’ as a BBQ. They were very nice indeed. (Note: No it wasn’t total fire ban season – thanks for asking.)

My wedding day

Canceled my wedding day and decided to elope. Organised dinner on Valentine’s day at a restaurant in Glenelg Adelaide. (We get forgetful when we’re busy and never wanted to forget our wedding anniversary.) At 9.30pm we stepped out onto the beach where hubby and I tied the knot with 30 onlookers chanting us on.  I cried during my speech reading my Dad’s poem but got through it with the help of a heckler at the back. She was great! After signing a bunch of papers, a gorgeous cake was delivered to our table. My mother-in-law had discovered our ‘dirty little elopement’ a few hours prior and managed to organise cake and champagne in an amazing time-frame. A trip to a nightclub and drinks with new friends at someone else’s 40th and we were married! Yey! Champagne for everyone!

My 40th

60 people in three main rooms. One room filled with marshmallows on skewers and a massive lit up Doctor-Suess-style centre piece. Caterers buzzing around (another nice pressy from my mother-in-law), an outdoor dancefloor and another bonfire. This bonfire was smaller this time and there were no visits from the CFA. Does this mean I’ve grown up? I’ll let you decide..
So if you love to party but also like to budget like me – throw one! Life is short and there’s so much help at hand – like this little calcultor.
Ain’t life grand?

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