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            • FOOD
              • All
              • Groceries
              • Inspiration
              • Lunches & Leftovers
              • Meal Planning
              30 fast meal prep ideas

              30 fast meal prep ideas

              Grow an amazing garden

              Grow an amazing garden

              Craftspiration – Colourful kits

              Craftspiration – Colourful kits

              Laundry lick of love

              Laundry lick of love

              Indulgent dream life wall

              Indulgent dream life wall

              Swoon-worthy modern living rooms

              Swoon-worthy modern living rooms

              Smoothie Bowl Inspiration

              Smoothie Bowl Inspiration

              Nifty tricks for saving big on meat

              The Smart Cookbook Changing Lives

              The Smart Cookbook Changing Lives

              Ways to save money fast around the house today

              Ways to save money fast around the house today

              Sugar Free Kids Lunches

              Healthy Kids Lunches

              Trending Tags

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                • All
                • Baby
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                • Media
                • Organise & Declutter
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                • Recycling Tips
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                Four Tips For Creating a More Functional Living Room Space

                Four Tips For Creating a More Functional Living Room Space

                Shoot and Edit Amazing Home Videos This Winter Season

                Shoot and Edit Amazing Home Videos This Winter Season

                Travelling to the US? Hot tips on finding the best car insurance

                Fast home organisation tips for the kitchen

                Fast home organisation tips for the kitchen

                Working from home with kids

                Working from home with kids

                Grow an amazing garden

                Grow an amazing garden

                Laundry lick of love

                Laundry lick of love

                Swoon-worthy modern living rooms

                Swoon-worthy modern living rooms

                Your Dream Kitchen Including Appliances for Under $5k

                Your Dream Kitchen Including Appliances for Under $5k

                Home Page New

                The Secret To Totally Transforming A Shed In A Weekend & How We Did It For Under $250

                Going Green: Save Big Around The Home

                Going Green: Save Big Around The Home

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

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                • MONEY
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                  • Bills & Budgeting
                  • Business & Finance
                  • Credit & Debt
                  • Insurance
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                  • Make Money
                  • Mortgages & Loans
                  • Save Money
                  • Super, Tax & Retirement
                  Four Tips For Creating a More Functional Living Room Space

                  How to Turn Your Passion Project Into a Fully-Fledged Business

                  11 money-saving tips – get out of debt and save more

                  Make $350 in savings without working

                  14 ways to save money in Australia

                  10 tips to save money on electricity in Australia

                  10 tips to save money on electricity in Australia

                  Maximise your food budget by cooking in bulk

                  Maximise your food budget by cooking in bulk

                  10 save money quotes: Successful strategies to finally stop spending

                  10 save money quotes: Successful strategies to finally stop spending

                  11 ways to make money in Australia: How to get ahead

                  11 ways to make money in Australia: How to get ahead

                  15 great quotes on how to save money

                  15 great quotes on how to save money

                  Cut your food budget and shop smarter

                  Cut your food budget and shop smarter

                  22 clever grocery hacks to save money and time

                  22 clever grocery hacks to save money and time

                  Ways to be frugal while living down under

                  Ways to be frugal while living down under

                  14 epic money-saving hacks for 2021

                  14 epic money-saving hacks for 2021

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                    • All
                    • Car Tips
                    • Christmas
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                    Shoot and Edit Amazing Home Videos This Winter Season

                    Shoot and Edit Amazing Home Videos This Winter Season

                    Travelling to the US? Hot tips on finding the best car insurance

                    Going Green: Save Big Around The Home

                    Going Green: Save Big Around The Home

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Home Page New

                    T’is The Season To Be Thrifty In July

                    6 tricks for slashing your next car loan

                    Home Page New

                    Living The Good Life Without The Guilt

                    Home Page New

                    Turning Food Waste Into Savings On Steroids

                    Home Page New

                    OMG! How to have the best African holiday ever!

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

                    Most Commonly Overlooked Boating Expenses

                    Most Commonly Overlooked Boating Expenses

                    Trending Tags

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                      • Beauty
                      • Body
                      • Feel Good
                      • Mind
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                      Home Page New

                      Aussie Mums Guilty & Swamped With Housework

                      Home Page New

                      Living The Good Life Without The Guilt

                      Most Commonly Overlooked Boating Expenses

                      Most Commonly Overlooked Boating Expenses

                      How To Be the Queen Of Tropicana

                      How To Be the Queen Of Tropicana

                      Don’t quit your day job until you read this

                      Don’t quit your day job until you read this

                      Run errands smarter to save big

                      Run errands smarter to save big

                      Sleep more and eat well to get richer

                      How to buy your own dream island

                      This attitude hack makes people rich

                      How To Make The Most Of Your Study Session

                      When The Pain Just Won’t Go Away

                      Jewellery hacks: Fast tips on how to wear necklaces

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                      How to stop your money from cheating on you

                      Penina Petersen by Penina Petersen
                      May 14, 2022
                      in Bills & Budgeting, Latest, Save Money, Technology, Trending
                      0

                      If you are looking for a brilliant way to manage your money, read on to discover a savvy safe spending tool, which helps to stop your money from cheating on you.


                      Fancy schmancy smart TVs

                      I’d love a new television. One that does whizz bang things like reading my mind and serving up brilliant tailored snippets of entertainment and news based exactly on my taste. In the future, it would also be great if my TV (perhaps a robot) followed me around the house while I do my housework, made me a coffee and even helped put my kids to bed. I hear a savvy young Melbourne-based student is working on this for my actual retirement age (in 20 years or so) and I want to meet her now and hurry her project along.

                      Psst: Us mums want to retire like today, this minute…like – now.

                      We’re tired.

                      But since technology can’t help us just yet, I’ll personally settle for a simple 70-inch smart TV for a wall and with a remote control that hasn’t been smashed up before it fell behind the sofa. It would also be great if the remote came with batteries and a plastic cover for keeping those batteries in.

                      Four year olds – hmmm….

                      I don’t like paying even half of full price

                      Problem is, after checking out the latest and greatest deals both online and in store, I’m unwilling to pay current prices for these glistening contraptions. For such an old-fashioned machine that is the TV, (even with the supposed fancy-schmancy ‘smarts’), I still find the prices too high for my budget.

                      But then, what kind of well-meaning, hard-earning, lover-of-savings-blogger would I be if I ever dared pay full or even ‘less-than-full’ price?

                      Nope. I’ve done my research I’ve decided – I’m officially a Smart TV Scrooge.

                      Bank balances

                      My bank balance won’t have a bar of any overpriced consumer-shenanigans either. While I prefer to log into my online bank account and find a full and plump looking figure from those savings I’m making, I admit that we (the family and I) have taken a hefty hit recently from the home renovations that are our current reality.

                      Note: You can read my floor sanding horror story here if you’d really like the dirty and dusty details of what happened over the holidays.

                      Cheating words

                      Then there are those cheating words banks use, which are silly really.

                      You know the words?

                      Like when you grab the little ATM receipt and it says ‘available funds.’ What that receipt is falsely telling us time-poor and hungry-for-cool-stuff consumers, is that there’s much more money in our accounts than there actually is, and that we can go sick and go shopping!

                      Yay!???

                      Not….

                      These ‘balances’ lead us shamelessly down a path of false economy and straight into the malls of marketing-enhanced and rip-roaringly cool retail stores full of goodies, gadgets and dazzling consumer delights.

                      Here’s a hypothetical scenario to prove my point

                      This is what can happen and what does happen to consumers daily:

                      • Jimmy checks his account online on his phone
                      • He sees he’s got a stack of money
                      • He buys a new cool pair of Vans
                      • By the time he gets home a bunch of direct debits have come out
                      • He realises he couldn’t afford the Vans at all
                      • He’s forced to eat noodles for dinner
                      • He can’t afford to put petrol in his car the next day
                      • He’s late for work
                      • He gets in trouble from his boss

                      See how bad this could get for Jimmy….?

                      Look. Don’t get me wrong. There’s nothing wrong with Vans or noodles. It’s just that most of us don’t like to unwittingly push our funds to the limit like this because that just leads us down a crappy path – like what happened to Jimmy.

                      Thank goodness that poor guy wasn’t real 🙂

                      Your money is on the move

                      So, while you think you may be looking at a stationary figure on a screen or on an ATM receipt – beware:

                      Even while you are watching the figure on the browser that is your bank balance, your funds are being sucked up and spat out behind the scenes. The usual and numerous bills from utility, mobile phone companies and supermarkets are working hard, and pouncing on purses and wallets daily – in a silent, frenzied and money-eating ‘bank attack’.

                      Click refresh around 4pm and you’ll see what I mean…

                      Oh, and don’t forgot the fat stack of bills that might be sitting under the local paper on your kitchen bench.

                      They are an even bigger silent killer…

                      It’s not your fault

                      But don’t worry – we’ve all been there and it’s not your fault. Seriously, blame anyone but yourself. I do.

                      And remember: There’s always a snazzy little app that can fix anything these days.

                      Get savvy with your spending

                      Even though technology hasn’t served me up my robot yet for helping with the housework, there is help at hand for the daily, shameless ‘bank attack.’

                      Try out this great little app called ‘Safe Spending’ from the smart people over at Money Brilliant. If you really want something cool and schmancy, get this app and use the savings you make to pay for a Smart TV!

                      Your money will never run away with you, from you or into the arms of someone else again.

                      Here’s what this baby can do

                      This brilliant app will do away with spreadsheets and the arduous task of checking bank accounts altogether. Punch all your bank accounts into this baby (to connect them up), as well as credit cards, loans, superannuation and investments. Then shortly, you’ll have a full picture of your finances all in the one place.

                      Oh, and if you’d like to check your money while doing the housework or indeed if you’re out and about shopping for a new pair of shoes, the app also works on Apple Watch!

                      Source: Money Brilliant

                      Here’s what it does

                      • Takes your income
                      • Subtracts your future commitments (Bills)
                      • Subtracts your saving Goals (You set this)
                      • Subtracts what you have spent

                      And ta da!!! The result?

                      Drum roll please…

                      You’ll get a final figure or rather the ‘bottom life’ of what you can safely spend and happily today, this minute – right now!

                      Using this app, Jimmy could buy the Vans and maybe even take himself out for a steak dinner.

                      Nice one Money Brilliant 🙂

                      Tags: make moneymoneysave money
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