THANK YOU to those of you who stepped up in your lives to create positive change. A special THANK YOU to those of you who shared your stories with us. On the nights I’d be up to 3am working, at times feeling resentful at the huge amount of volunteer hours I’d invest (rather than playing with my toddler or sleeping..), I’d read a story about an action someone took or a change someone made and immediately feel refuelled. So THANK YOU to the wonderful women who have embraced the opportunity to attend a 10thousandgirl program.

THANK YOU to our key partners over the 2015-2016 Regional Women’s Financial Literacy Project, including Financial Literacy Australia, Rabobank, HESTA, FPA, Insurance Council of Australia, ATO and Credit Savvy, thanks to local support groups, councils and advisors in every town we’ve run a workshop, and thanks to our powerful social partners – the local, regional, state and national women’s and community groups who share our passion for women’s economic empowerment and who promote our programs far and wide so as many women as possible can attend and benefit from the workshops and online events.

THANK YOU to the team at RMIT who have collated a two year women’s financial wellbeing study using our program findings. I hope we can use these findings to improve our offering into the future and continue to advocate for women’s economic advancement.

THANK YOU to our 10thousandgirl team, volunteers, board and advisors, past and present. You have contributed to some incredible program outcomes. Highlights from the RMIT Program Evaluation Report include:

  • Because of the program, 91% of participants felt more motivated to achieve their financial goals, 83% of participants felt better able to plan ahead, 75% of participants felt more in control of their money and 52% of participants felt less stressed about their future. Following the program, 61% of participants reduced their spending in order to save more, 57% had taken action towards achieving a dream and 56% had got back on track to achieving their financial goals.
  • Working toward closing the retirement savings gender gap, following the program 43% of participants consolidated their superannuation funds; 24% increased their superannuation contributions; 27% changed their superannuation investment portfolio; and 19% of participants increased their investment (other than superannuation) portfolio. 74% of participants reported that they revised their existing insurance policies; 35% altered their existing policies; and 15% purchased new insurance policies.

With the organisations goal of financially empowering 10,000 women and families across Australia now reached, stay tuned for the next phase… exciting new programs and plans being announced very soon.

financial literacy women

My initial drive to join the 6 Week Online Money Make-Over was to smarten up about my super and shares and explore other forms of investing. An added bonus was the opportunity to connect with like-minded women who valued financial independence and confidence as much as I did. Over the couple of months that I was involved with the group I acted on a lot of tasks around my super and shares that historically I’d shown some procrastination towards. I learnt a lot from the women in my group. Oh,  and red wine also became a central theme of our sessions!

But there were also some unexpected outcomes from my time in the group.

In the first session I wrote down my one to two year goal and nervously read it out to the group. I’ve had a long held ambition to start doing my own consulting work, focusing on improving the quality of adult literacy and numeracy training, particularly for remote Aboriginal communities. To be honest, when I read it out I’d described the goal with such perfect clarity and detail I was embarrassed by it.

After the first hangout I pinned the planning sheet on my wardrobe door to remind myself of it, as I’d get ready for work. I started to make tentative steps towards it; they were small but important practical gestures. They included

  • Getting an ABN
  • Speaking to trusted and skilled people
  • Getting tax advice
  • Putting money aside for software programs
  • And lots of reading and research.


During this stage of my planning I reminded myself of Tim Minchin’s advice to be ‘micro-ambitious’. By detailing all the small action steps I needed to get done, I committed myself to completing these tasks and was not overwhelmed by the larger goal. The weekly GIG sessions with the terrific group of women I did it with also kept me accountable.

A month after putting this goal down on paper I was asked if I’d work on a project with an Indigenous organisation across remote cattle stations in Northern Australia. It couldn’t be better suited for me: I had the technical skills for it and the childhood experience of growing up on a cattle station. Since then, I’ve been approached on another literacy project in the Northern Territory. This has all happened in a few months since that uncomfortable moment of the program, reading out and making real what I wanted to do.

Zoe and the 10thousandgirl team have been the enablers and have prompted me to go after what I really love to do. They also linked me with other smart and strong women to learn from. In the occasional moments of self doubt I look at the “Why?” part of my goal planning sheet to remind myself of why what I’m doing is so important.

Want to transform YOUR finances and life?
Click here to join the October Online 6 Week Money Make-Over!

6 week make-over ad


financial literacy program for women



The Women of Shepparton at our 10thousandgirl regional roadshow event
10thousandgirl event at Shepparton
The Women of Shepparton at our 10thousandgirl regional roadshow event

The 10thousandgirl Mini Money Makeovers were held in Sydney and Melbourne this month and went down a storm with women from the area.

Our regional financial literacy tour continued with successful workshops in both Young and Shepparton in the past month.  50 local women at each workshop took the time to reflect on their personal finances, identify their long term goals and create an action plan to get there.

We are seeing a wonderfully wide range of women at these events – young mums, empty nesters, women well into their retirement, and women just starting out in their careers.   We like to think there’s something for everyone at our workshops; you will definitely walk away having learned a thing or two.

The women of Young, NSW
The women of Young, NSW

The regional tour is supported by local financial experts in each town and our wonderful partner Rabobank.

Next up, Geelong and Toowoomba!

Our mini makeovers are a fantastic introduction to finance; the opportunity to sit down and talk to financial experts in a welcoming environment.   We invite trusted finance experts to come and share their knowledge with you and in exchange you can meet up with them for a no obligation coffee at a later time if are keen.  We will run more of these events in 2016 and we hope to see you all back next year!

Thanks to our fabulous Trusted Advisers for their time and expertise.

Financial literacy events for women

10thousandgirl regional roadshow orange event

It was a full house at the national launch of our Better Money Management program in Orange last week, signalling strong demand for financial education among regional women.

The launch featured a free, half-day money management and investment education workshop, which we will replicate in 15 other regional towns and cities across Australia as part of the program over the next two years, with the next one in Young on Saturday 29 August

Regional women from various walks of life, occupations and ages attended the Orange workshop to hear from 10thousandgirl founder and CEO Zoe Lamont about her inspiration for the program and to learn financial skills and tools.

10thousandgirl regional roadshow orange event
Zoe Lamont, Founder of 10thousandgirl, speaking to the women of the Orange, NSW event.

Women in regional towns are very active in their local community. They are natural investors when it comes to their families, schools, community groups and local businesses, however we’re finding this investment is not always extending to their own financial education and long term financial security,” said Zoe.

10thousandgirl wants to strengthen the financial outlook for women across Australia, and living in a regional area shouldn’t be a barrier. Our objective is to create the opportunity for women, no matter where they live, to learn the skills and build the confidence to become better at managing the money they have, so they have the financial acumen to achieve their dreams.”

The workshop generated much discussion and open conversation. Zoe asked participants: “What does financial freedom mean to you?” leading to discussion around the importance of setting goals and planning how to achieve them.

10thousandgirl regional roadshow orange event


A panel of local finance specialists presented their insights into financial management fundamentals, covering investing, insurance, superannuation, the ‘Golden Rules’ to staying out of debt, and gave participants the opportunity to ask specific questions to further their knowledge.

10thousandgirl regional roadshow orange event
Our wonderful panel of finance experts.


The local experts were:

10thousandgirl regional roadshow orange event

Proving to be more than just an educational forum, the workshop was a buzz of networking opportunities. Discussion and questions were plenty, featuring how to get started as an investor, growing your super, succession planning, and knowing what “good debt” is. Participants benefited not only from the workshop’s itinerary but also from each other, swapping their own experiences and knowledge.

In addition to the 16 regional workshops being rolled out nationally, the Better Money Management program comprises a suite of online financial tools and bi-monthly webinars. It is being funded by an Australian Securities and Investments Commission (ASIC), Financial Literacy Australia grant and national partner, global agribusiness bank, Rabobank. Industry super fund HESTA, the Australian Taxation Office, the Financial Planning Association and the Insurance Council of Australia also support the program.

Workshops to follow the event in Orange, include:

Want to help us organise a workshop in your town? Let us know!  Register your interest, here

Financial literacy events for women

Everyone likes making money but when it comes to investing some people are more comfortable taking risk to earn a higher return than others.

If you’re a member of a super fund, you’re an investor. The money in your super account is invested with the aim of growing your balance.

All investing involves risk. Typically, the higher the expected return an investment could earn, the higher the potential risk. Just like some people enjoy living on the edge — going skydiving or bungee jumping — some people are more comfortable taking investment risk.


Before you invest, understanding your goals can help you choose the investment strategy that best suits your needs. Deciding how comfortable you are risking the money you plan to invest, how long you want to invest for and the return you’re targeting will help you make an investment choice.

An investor aiming for higher returns over the long-term might choose a more aggressive investment strategy. They’re generally less worried about short-term changes in the value of their investments because they’re focused on achieving growth over the long term (10 years). An investor more focused on protecting their money as they could need it soon — rather than earning a higher return — may adopt a more cautious investment strategy.

Find out if you’re super is on track to meet your goals, using the Government’s MoneySmart Superannuation Calculator

Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. Third-party services are provided by parties other than H.E.S.T. Australia Ltd and terms and conditions apply. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services offered by third parties or any liability for any loss or damage incurred as a result of services provided by third parties. You should exercise your own judgment about the products and services being offered.

10TG Facebook Banners-Regional Roadshow


Financial Literacy For Rural Women The Focus As Australia Celebrates International Women’s Day


Sunday 8 March is International Women’s Day and not for profit organisation 10thousandgirl will mark the occasion by launching a national Women’s Financial Wellbeing program, focussed on increasing financial literacy for women in regional and rural communities.

The two year program will offer regional women access to some of Australia’s leading financial advisors and experts, free of charge and without having to travel to major metropolitan centres.

The program will consist of a series of regional workshop events throughout Australia, bi-monthly webinars and a suite of financial tools and educational programs.

You can read more about opportunities to partner with us or as a passionate believer in women’s financial wellbeing, nominate your town to host a free workshop.

According to 10thousandgirl CEO and Founder Zoe Lamont, the program complements the United Nations’ theme for this year’s International Women’s Day of ‘Make it Happen’.

“Women in regional towns are very active in their local community. They are natural investors when it comes to their families, schools, community groups and local businesses, however we’re finding this investment is not always extending to their own financial education and long term financial security,” said Zoe.

“The program has been designed to extend beyond basic money management and look at the importance of investing to ensure future financial stability. Women are good savers for immediate to short term purchases such as saving for a trip overseas, a wedding or a home but we need to create forums where women can put time aside out of their busy lives to consider their broader financial life plan. For instance, at which age would they like to retire, what kind of lifestyle would they like to maintain and what financial steps need to be put in place to enable their plans to happen.

“Our new workshop series builds investment confidence and equips women with the tools to take charge of their investments and finances to position themselves for a strong financial future,” said Zoe.

ASIC’s recently released Australian Financial Attitudes and Behaviour Tracker research[1] found that investment concepts such as diversification and risk/return trade off were not commonly heard of by Australians (41%) and of those that had heard of the term, 28% didn’t understand it and a further 9% of those who said they understood it, couldn’t accurately describe the concept.

“This is concerning to us and doesn’t have to be the case. We are working to break down the gender and geographical barriers and ensure it is as easy as possible to access independent financial education, irrespective of whether you are male, female or live in a major city or country town,” said Zoe.

According to a white paper published by Infinitas Asset Management[2], women naturally make better investors than men.

“Women tend to be more focussed, considered and conservative about their investment decisions. They bring a different mindset, life experiences and sense of family and community responsibility when it comes to making investment decisions,” said Zoe.

The 10thousandgirl program is designed to provide women with the confidence and support to take control of their financial future and help them to ‘make it happen’.

10thousandgirl is calling for women throughout Australia to nominate their town to host a free half day women investing workshop. Interested partners can visit www.10thousandgirl.com/working-in-partnerships and complete the online form.

The half day workshop event will help participants to complete a personal financial review, discuss key investing principals, step through creating a personal investing plan and include a Q&A session with a panel of local financial service professionals. The panel will discuss topics such as property investing, starting in shares, super and tax tips, insurance basics, estate and succession planning and solutions and support mechanisms to work together as women to dissolve financial barriers.

The 12 part 60 minute webinar series will interview experts on in-depth topic areas including ethical investing, insurance, farm succession planning, seeking trusted advice, superannuation and wealth creation. Women throughout Australia are encouraged to sign-up for these free webinar events.

The webinar sessions commence this month, with the regional roadshow half day workshops commencing in June 2015, giving women a couple of months to register their town as a possible venue.

The two year regional women’s financial wellbeing project was made possible by a grant from Financial Literacy Australia and funding from leading financial service industry educators including Rabobank and HESTA.

About 10thousandgirl

10thousandgirl is a not for profit organisation started by a group of women in a Sydney pub in 2009. The girls quickly realised the importance and long term benefit of having a plan and understanding finance basics so they could make their plans happen.

More and more women started to come. In March 2011 the campaign formally established a board of directors, laid governance in place and has grown to educate thousands of women across Australia every year with the initiative attracting national and more recently global recognition in their bid to contribute to increasing the wellbeing and economic health of women.


For further information or interview requests please contact:

Chantelle Hutchison

Sauce Communications

Ph: 0452 637 446

Email: chantelle@saucecommunications.com.au


[1] Australian Securities and Investments Commission Australian Financial Attitudes and Behaviour Tracker, Wave 1 March – August 2014

[2] Infinitas Asset Management Limited Investing Like a Woman, Steve Macdonald, 2012


Women earn less than men, are more likely to have interrupted careers because of child raising and caring responsibilities and statistically live longer so need to save more for retirement. Women in Australia can expect to earn $1m less than men in their working lives.[1] The financial impact of this is that women in Australia are 2.5 times more likely than men to live in poverty in their old age.[2] There was an interesting feature on the ABC on 9th January, 2015 on older Australian women becoming homeless at increasing rates – and what young women and families can do right now in their lives to avoid this. Check out the video.


Current policy settings, including the projected increase in the Superannuation Guarantee contribution to 12%, will not of themselves deliver the level of lifestyle to the majority of those retiring over the next 20 years that we, as a nation, are aiming to achieve. The population is ageing. The number of Australians over the age of 65 will increase by 75% over the next 20 years (from 3.3 million in 2012 to 5.8 million in 2032), and at a much faster rate than the working population and with Australians are living longer, there will be proportionately fewer working Australians available to fund those in retirement.[3]


In the BCG study Women Want More the financial services sector was identified by those 12,000 respondents as the sector they feel most dissatisfied with, of all those sectors that affect their daily lives. The BCG survey results revealed that 73% of respondents were unhappy with the service level received and 71% were dissatisfied with their provider’s product offering. According to the BCG research, women are exasperated at how financial services firms serve them, offering up disrespect, condescension, poor advice, contradictory policies, endless red-tape and a one-sizefits-all approach based on the false assumption that men and women’s needs are the same.[4]

Some said “I’m scared of money”, some said “I’ve never touched money, I don’t know what to do with it.” When they say that, I always think, this is not her voice. It is the voice of history. She is the product of this history. So we have to be very patient. We have to pull off the fears which are created around her, and after a while she says, “Maybe I will try”. If a woman tries and if she is successful, then her neighbours become very interested and they say, “If she can do it, then maybe I can do it too.” And if they are successful, that will open up the snowball effect.

An excerpt from March 2010 speech by Muhammad Yunus, Nobel Peace Prize Laureate and Founder, Grameen Bank


The world has been undergoing a silent revolution over the last few decades. Women have been growing their status, capabilities and control of financial assets. So much so that in 2008 there were 1 billion working women, a figure targeted to grow to 1.2 billion by 2013,[5] by 2005 women controlled 51.3% of the US’s personal wealth or US$14 trillion, a figure expected to grow to US$22 trillion within the decade.[6] Globally, in 2008 women controlled consumer spending worth US$20 trillion, a figure expected to grow to US$28 trillion by 2013.[7]

“When individuals and family units have clear long and short term goals and a solid understanding of the simple principles behind saving, debt management, insurance, superannuation and investing – there’s a new confidence, a peace of mind and a sense of independence, gratitude and generosity that floods over them, naturally influencing their family and those they touch in their communities.”

Zoe Lamont, Founder 10thousandgirl project


[1] Australian Financial Literacy Foundation, National Centre for Social and Economic Modeling (NATSEM), International Center for Research on Women (ICRW)

[2] Julie Reilly’s 2013 publication Gender-Wise Philanthropy: Strengthening Society by Investing in Women & Girls 17 published by Women Donors Network

[3] Deloitte Dynamics of the Australian Superannuation System, The next 20 years: 2013 – 2033

[4] Boston Consulting Group, Women Want More, 2008

[5] Steve Macdonald, Investing Like A Woman, A White Paper, 2012

[6] Fara Warner, Power of the Purse: How Smart Businesses Are Adapting to the World’s Most Important Consumers – Women, 2005

[7] Boston Consulting Group, Women Want More, 2008

So join us to embrace women as an economic power force and provide the solutions to the barriers they face – Join A Money Makeover Program or Become A Supporting Partner. Alternatively contact us for more information. 

Nice end of year Ripple Effect girls!! A big heartfelt thanks to our most recent 10thousandgirl 6 Step Money Makeover cohort who provided this microloan.

10TG Microloan_Christianally Moreno, Phillipines

The small profit Christianally Moreno (25) earns selling charcoal augments her husband’s wages. She plans to expand and needs a loan to do so. By increasing inventory she can wholesale this essential cooking fuel to retailers in the market. More stock will also help her serve her existing customer base. Christianally hopes to double her daily sales to $25, and with a successful business sustain her family in the long run.

Borrower Name: Christianally Moreno
Location: Passi, Philippines
Loan Use: Buy and Sell Charcoal
Term: 6 Month

You too can easily donate a micro loan via Good Return so check it out.

Read more about how micro-finance works.

Life-is-beautifulSometimes it’s not about starting something, it’s about stopping.

Full article on LifeBuzz. Here’s the highlights – we’ve added an exercise for each idea to get your started. What # rings true for you?

#1. Stop spending time with the wrong people.

EX: Identify someone you spend time with who drains your energy. Unless they need your help, cut your time with them back a little.

#2. Stop running from your problems. – Face them head on. 

EX: Identify your #1 problem at the moment. What’s one thing you can do about it?

#3. Stop lying to yourself.

EX: What do you need to be more honest about?

#4. Stop putting your own needs on the back burner.

EX: Do something for yourself today! Just do it!

#5. Stop trying to be someone you’re not.

EX: Identify someone who you want to be like. Do you really want to be them?

#6. Stop trying to hold onto the past.

EX: Think of a memory in the past you hold onto. Take a deep breathe, fill your belly. Breathe into the memory. Now exhale, say out loud ” I let it go”.

#7. Stop being scared to make a mistake.

EX: Do something you think you’ll fail at. See what happens!

#8. Stop berating yourself for old mistakes.

EX: Repeat similar exercise from #6. Identify something you are constantly berating yourself about. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#9. Stop trying to buy happiness.

EX: What have you bought lately because you thought it would make you feel good? Next time you make a similar purchase, ask yourself ‘why?’. What feeling are you trying to buy? What else can you do to create that feeling?

#10. Stop exclusively looking to others for happiness.

EX: Identify a person that makes you happy? What makes them that way? What quality do they have? Mmm yes you have it too!

#11. Stop being idle.

EX: Get up today and DO something you’ve been putting off.

#12. Stop thinking you’re not ready.

EX: START. Start investing, start a conversation with a guy you like, start negotiating a career progression… just START.

#13. Stop getting involved in relationships for the wrong reasons.

EX: Focus instead on the relationship you have with yourself, all other relationships are a bonus.

#14. Stop rejecting new relationships just because old ones didn’t work.

EX: Repeat similar exercise from #6 & 8. Identify something you have experienced in a relationship in the past. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#15. Stop trying to compete against everyone else.

EX: Set a goal around improving yourself. About making an improvement on your efforts last week or last month, or yesterday or last year.

#16. Stop being jealous of others.

EX: Identify someone you’re jealous of. Pay them a compliment – call, email, text or in person.

#17. Stop complaining and feeling sorry for yourself.

EX: Identify something that’s great in your life.

#18. Stop holding grudges.

EX: Repeat similar exercise from #6 & 8. Identify a grudge you have. Take a deep breathe, fill your belly. Breathe into the idea. Now exhale, say out loud ” I let it go”.

#19. Stop letting others bring you down to their level.

EX: Next time someone brings you down, look them in the eye and tell them you don’t agree. And that actually… you rock at that!!

#20. Stop wasting time explaining yourself to others.

EX: Next time you find yourself explaining yourself, stop. If they get you they’ll get you.

#21. Stop doing the same things over and over without taking a break.

EX: Take a sporadic break – a walk around the block or a week away!

#22. Stop overlooking the beauty of small moments.

EX: Smile deliberately at something beautiful that catches your eye. Enjoy it for a minute +.

#23. Stop trying to make things perfect.

EX: Laugh out loud at an imperfection.

#24. Stop following the path of least resistance.

EX: Do something that CHALLENGES you.

#25. Stop acting like everything is fine if it isn’t.

EX: Ask someone for help.

#26. Stop blaming others for your troubles.

EX: Next time you catch yourself blaming someone else, bring it back to you? What could you have done differently? What can you do better next time?

#27. Stop trying to be everything to everyone.

EX: Pick your battles a friend once said to me. It’s the same with helping others. Pick a few people to support in your life, and support them well.

#28. Stop worrying so much.

EX: Jump up and down 10 times, waving your hands around above your head. Keep going till you burst out laughing – what were you worrying about again?

#29. Stop focusing on what you don’t want to happen.

EX: Life’s like a garden, you need to fertilise the plants not the weeds. Identify one of your plants (key goals) – water it!!

#30. Stop being ungrateful.

EX: No matter how good or bad you have it, wake up each day thankful for your life. Someone somewhere is desperately fighting for theirs. Say thank you for something out aloud.


What can you stop doing?


10TG piot group loans

Actually two women’s lives.

Last night a group of 30 inspiring women around Australia gave two micro loans. These 30 women came from all walks of life – a mum from a farm in north west NSW, an artist from Melbourne, a mining consultant from central Queensland…

Over the last 6 weeks this powerful group of women completed the 6 Step Challenge, 10thousandgirl’s new ‘Michelle Bridges’ style online personal finance program. And they blitzed it!!

They documented their life plans, tracked their spending, worked out their net worth, negotiated rates on home loans, high interest savers and utility bills. They reviewed their insurance, consolidated super. They discussed investment principles and the behaviour of cash, property and shares. They opened super letters for the first time and made calls to their super fund to change their investment mix to fit with their age and stage. In week 4 they documented their personal investing plans, asking themselves:

  • What are my #1 financial goals?
  • How much money do I need for each goal?
  • When do I need it? What’s my timeframe?
  • What investment options suit that goal and timeframe?
  • What are my next steps?

And last night they wrapped up by mapping out their personal and professional support networks. They discussed the different professional support roles, how to find trusted advisors and learnt good questions to ask when approaching and engaging an adviser.

Then they wrapped up with an INSPIRATION FEST. Discussing what inspires them, who do they inspire? How do they stay inspired?

Well, wonderful women. You certainly inspired me. Thank you for your Ripple Effect. May it be felt across your life, among your family and friends lives, in your work and community life and as part of your program fee, you each donated $10 into a pool and were able to donate two micro loans, one to Merelita Marama and one to Linita Ponitini.

So thank you for your globally felt Ripple Effect… 


Merelita Marama, Nasautoka Fiji
Activity: Manufacturing
Loan Use: Sewing
Term: 26 Week

Some people are born with a natural talent. Merelita Marama (47) is one of them. She loves sewing for the people in her village and is a skilled seamstress. Merelita has built a steady client base among her friends, neighbours, office workers and church members. With her loan, she intends to buy more sewing equipment to help expand her business. Merelita is certain she will make greater profits, which will improve the lives of her four children.

Linita Ponitini, Tonga
Activity: Farming
Loan Use: Farm produce
Term: 52 Week

Linita Ponitini has three children under twelve. Her goal is to build a house for her family. She and her husband grow a range of crops, which Linita sells in the local market. But their profits are insufficient to cover both family and business expenses. So Linita is seeking a loan to buy seeds and seedlings to increase the farm’s production and yield.

Want to provide micro loans? Sign up http://www.goodreturn.org

Want to do the 10thousandgirl 6 Step Challenge? Sign up http://www.10thousandgirl.com 

growup careersJust read a blog on the MoneySoft site that made me go ‘yeah, that’s me too!’ Have you hit that age or stage where dreams of marrying a prince are slipping away and you’re finding yourself thinking about money?? 

Here’s Amy’s story… ‘Before I was a mum, I was a woman who enjoyed shopping for myself, being out with friends and family, paying for Foxtel to make sure I was update with every show and movie available on this planet. I enjoyed manicures, pedicures, facials, dinner parties, brunches, shopping online, spending summer days at the beach and having a quick drink before heading home. I drove everywhere, not really stressing about the cost of parking meters, or parking stations. Late nights splurging on food and drinks was not an issue as I could most probably sleep in the next day and if not have a quick nap before meeting up with friends for dinner. Everything seemed simple. Life was simple. What I wanted I did with no care in the world.

Something happened between my twenty’s and my thirties. I would always put it down to “well that’s what happens when you start having kids”…but in actual fact it’s just that my priorities shifted. I woke up one day thinking hang on (and that’s a PG version of what I was really thinking) why has everything changed? At what point did I become so money conscious and when did I start loosing sleep over this matter?

I can’t tell you exactly when or why but it happened. I found myself regretting a lot of my decisions from my younger days. What if I didn’t live paycheck to pay check, what if I saved a bit here and there, maybe just maybe I wouldn’t be in the predicament that I’m in now. When friends were all putting deposits on their investment properties I was that hippy saying “Enjoy life, life is short, we have plenty of time to work our a$$’ off and worry about money” then I would laugh and go home and think how I have got it so down packed this thing called life…. Just quietly I think those friends are now laughing.

Something had to be done it was getting ridiculous, having twins, a husband and all the pressures of life I no longer craved the ‘what I wanted I did with no care in the world’ kind of approach. My husband who is equally if not more a little ‘whatever’ with our finances came up with a great idea, pretend like we don’t have money. The first few months was great, we set up separate accounts to which our income was assigned to and another account for all our bills to come out of. We did the whole take food from home for lunch, put our left over coins in a jar at the end of the day, started selling a few bits and pieces online for some extra income, but slowly slowly our spending demons started resurfacing and scratching through the few months of hard work we had put in. In the end we looked at each other and..’ READ FULL ARTICLE >>


Money Circle Comparison Site


There’s a new money tool for women just launched. I’ve been loving their blog the last few months and now they have a comparison site.

Here’s an excerpt from their last newsletter with links to a few great blogs:

Penny Pryor reminds us, if you want to save money just ask for a better deal. You can manage the costs of your kids’ mobile phones with a little help from Nicole Avery. 

Tax expert, Jasmine Kidd, shares seven tax deductions commonly missed by landlords. For those of you working and paying a packet for childcare, Tracey Sharah helps you get the most relief from childcare allowances

And with winter coming, Veronica Foale suggests how to you stay warm without burning money

So if you’re looking to compare super funds, health insurers, home loans or savings accounts, add this one to your list of fun comparison sites: http://moneycircle.com

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