This Mum Likes Finance

This Mum Likes Finance Workbook links in posts or head to my store.

SMBC 👶🏻 Financial education mostly for mums
20+ years CPA, Finance & NLP Master Coach
Collabs: [email protected]

Feel free to send me a virtual star ⭐️

31/05/2026

⚡ FREE electricity in Australia — when + where (2026 update) - it’s finally coming!!!

Here’s the latest breakdown 👇

🗓️ Starts: 1 July 2026 (most states)

🇦🇺 NSW + SE QLD
⏰ 11am – 2pm (daily)

🇦🇺 SA
⏰ 12pm – 3pm (daily)

🇦🇺 VIC (from 1 Oct 2026)
⏰ 11am – 2pm (confirmed)

🇦🇺 WA / NT / TAS / ACT
⏳ Not available yet or you need to contact your own retailer to see

✔️ 3 hours free every day
✔️ No solar needed
✔️ Must opt into a plan + smart meter (well that rules me out for now 😕)

How to get it? Some retailers already have plans in place otherwise ask your retailer of choice what they have in place from next financial year.

💡 Use appliances during the free window = real savings

NSW VIC SaveMoney

31/05/2026

Have you ever had a bad experience with another parent at the playground?

30/05/2026

1. You’ve got $10k–$30k+ in an emergency fund
That’s 3–6 months of living costs for most families—rent/mortgage, food, fuel covered without stress.

2. Your super is on track (or ahead)
Rough guide:
• Age 30 → ~$60k+
• Age 40 → ~$150k+
• Age 50 → ~$300k+
And you’re actually checking it, not ignoring it.

3. You’re saving at least 15–25% of your income
Across savings, offset, or investments—not just what’s “left over.”

4. Your housing costs are under ~30% of your income
Whether renting or paying a mortgage, you’ve kept it sustainable.

5. You could handle a $2,000 surprise expense today
Car repair, medical bill, last-minute flight—without going into debt.

Bonus:
You’re not relying on Afterpay/credit cards to get through the month.

Quiet financial stability > flashy spending.

If you tick even 3 of these, you’re doing better than most.

Save this for a reality check.

This shouldn’t be happening.There are growing reports of parents paying to falsify vaccine records in Australia to bypas...
29/05/2026

This shouldn’t be happening.

There are growing reports of parents paying to falsify vaccine records in Australia to bypass childcare and school requirements. This isn’t a “grey area.” It’s not a loophole. It’s medical fraud.

Let’s be clear 👇

❌ It’s illegal
❌ It puts vulnerable kids at risk
❌ It undermines trust in doctors and the health system

Vaccination rules exist to protect everyone — especially babies, immunocompromised children, and families who don’t get a choice when it comes to risk. When records are falsified, outbreaks of preventable diseases become more likely, and the consequences don’t stop with one family.

This isn’t about shaming parents. And this is not a debate about whether you should or should vaccinate.
It is about accountability for committing medical fraud.
And it is about community responsibility to those who are vulnerable.

Choosing to fake medical documents doesn’t just affect your child — it affects classrooms, childcare centres, hospitals, and public health as a whole.

There are real legal consequences for both parents and any medical professionals involved.

We can talk about vaccine concerns elsewhere.

We can talk about trust, fear, and misinformation about vaccines elsewhere.

But lying on medical records crosses a line and this is what this post is about.

Comments have been disabled as some anti-vaxxers do not understand what the word ‘respectfully’ means 🫠 (and yes, it’s always the anti-vaxxers)

CommunitySafety MedicalEthics finance mums dads

29/05/2026

You could have money sitting in your name right now… and not even know it.

We’re talking:
• Lost super from old jobs you forgot about
• Bank accounts that were closed or inactive
• Medicare benefits that never got paid out
• Tax refunds just sitting with the ATO
• Shares, dividends, or insurance payouts you never claimed

And this isn’t rare…
Across Australia, there’s billions of dollars in unclaimed money waiting for people to come get it 👀

Most people miss it because:
❌ They changed jobs and never rolled over their super
❌ They moved house and lost paperwork
❌ Their bank account details weren’t updated
❌ They just didn’t know where to look

Here’s exactly how to check (FREE & legit):

1️⃣ Log into your myGov account
→ Link the ATO and Medicare

2️⃣ Go to ATO → “Manage my super”
→ This shows ALL your super accounts (even lost ones)
→ You might find duplicate accounts you can combine

3️⃣ Go to Medicare
→ Check if you have unpaid benefits
→ Add/update your bank details so they can pay you

4️⃣ Google “Moneysmart unclaimed money”
→ Search your name
→ This finds old bank accounts, shares & more

5️⃣ (Bonus) Check your state’s unclaimed money register
→ Especially if you’ve moved or changed addresses

⏱ Takes about 5–10 minutes
💸 Could be $50… could be $5,000+

And the best part?
You don’t need to pay anyone to do this — it’s 100% free through official government systems.

⚠️ Don’t fall for companies charging fees to “find your money” — you can do it yourself easily.

This is literally YOUR money sitting there waiting.
Go check. Go claim it.

Tag a mate who needs to see this 👇

AussieLife myGov ATO SideMoney MoneyHacks

28/05/2026

“More work doesn’t always mean more money 👀”

I wish someone had told me this earlier.

When I started thinking about going back to work, I assumed it was simple:
➡️ Work more days
➡️ Earn more money

But when I actually looked closer…
After tax.
After childcare.
After all the extra costs that come with working…
The number left over wasn’t what I expected.

In some cases, an extra day of work barely made a difference.

In others, it actually was worth it—but only once I could see the full picture.

And that’s the problem—most of us are making this decision without real clarity.

So I built a calculator.

Not a generic one. A real-life, “what do I actually take home?” calculator.

It shows you:
• Your income after tax
• Childcare costs factored in
• The true difference between working 1, 2, 3+ days
• What you’re actually keeping at the end of it

Because this decision isn’t just financial—it’s emotional, logistical, and personal.

It’s about:
💭 Time with your kids
💭 Career progression
💭 Mental load
💭 Financial security

But having the numbers? That changes everything.

It takes you from guessing…

To making a confident decision that actually works for your life.

If you’ve ever asked yourself:
“Is it even worth me going back to work?”
or
“How many days actually make sense?”

You’re not alone—and you don’t have to figure it out blindly.

Link in the bio to the 2025/26 calculator or get it here:

https://payhip.com/b/7n0bJ

Address

Sydney, NSW

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