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Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

The cheapest places to travel in 2024

<p dir="ltr">With the cost of living continuing to rise, many people are looking for cost-friendly ways to travel the world in 2024. </p> <p dir="ltr">Some destinations are more economic than others, with these somewhat overlooked holiday hotspots showcasing the best of travelling without breaking the bank.</p> <p dir="ltr">If you’re looking for a new adventure this year, these corners of the globe are the cheapest places to travel in 2024.</p> <p dir="ltr"><strong>The Philippines</strong></p> <p dir="ltr">The underrated gem located only a few hours northeast of Australia is one of the cheapest destinations in Asia, it's a wonder why more tourists don’t visit. </p> <p dir="ltr">Not only is it home to over 7,500 picturesque islands, six UNESCO World Heritage Sites and an endless chain of pristine beaches, it's also very affordable with resort accommodation under $100 a night is not hard to find.</p> <p dir="ltr">On top of accommodation, day tours and activities (snorkelling, for example) will set you back around $30 to $40.</p> <p dir="ltr">Flights are also reasonable in cost, with return flights from Sydney to Manila coming in around $600 per person. </p> <p dir="ltr"><strong>Turkey</strong></p> <p dir="ltr">Travellers can get to Istanbul from Melbourne and back for approximately $1,300 per person, to visit some of the world’s most historical sites. </p> <p dir="ltr">Turkey is a paradise for those travelling on a budget, with mouthwatering meals can be found regularly for as little as $5, and even less for street food.</p> <p dir="ltr">To make it even better, striking accommodation in the historic Galata region can be as low as $50 a night. </p> <p dir="ltr"><strong>Hungary</strong></p> <p dir="ltr">Hungary is regularly dubbed one of Europe’s cheapest tourist destinations, with accommodation, dining and entertainment costs significantly lower than the neighbouring countries.</p> <p dir="ltr">Expect to part with $60 to $100 a night for a pretty-as-a-picture hotel in the city centre, around $10 to $15 for meals in restaurants, and anywhere between $7 to $30 for activities. </p> <p dir="ltr">There are also tourist passes available that make these costs even cheaper. </p> <p dir="ltr"><strong>Albania</strong></p> <p dir="ltr">Located on the western part of the Balkan peninsula, this destination is often overlooked by tourists, making it an ideal budget-friendly destination. </p> <p dir="ltr">The stunning country is home to UNESCO World Heritage sites and turquoise beaches, all while keeping your budget in mind. </p> <p dir="ltr">Beachside accommodation can be found for as little as $70 a night, with prices comparable to Turkey for restaurant meals. </p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

International Travel

Give the gift of luxury on any budget

<p dir="ltr">As the weather starts to warm up, a lot of us are kick starting our summer holiday and Christmas plans. </p> <p dir="ltr">While trips away and what’s on the menu for Christmas lunch are obviously vitally important, it's also good to get a jump on buying Christmas presents for your loved ones. </p> <p dir="ltr">It can be hard to think of a thoughtful gift for that special someone, especially when that person may seemingly have everything. </p> <p dir="ltr">Luckily, L’Occitane’s Christmas gift giving guide has you covered. </p> <p dir="ltr">Featuring everything from affordable stocking fillers, to the most luxurious product packs, the L’Occitane 2023 Christmas collection is certain to have something for everyone. </p> <p dir="ltr">For those looking to really spoil their loved one, they have limited edition sets for the ultimate pamper experience. </p> <p dir="ltr">This year, L’Occitane have three collections on offer, each featuring heavenly scents and full-sized products for $129 each. </p> <p dir="ltr">For those on a tighter budget, or those looking to add in a little extra something special as a stocking filler, L’Occitane’s iconic mini baubles are back for another year. </p> <p dir="ltr">The baubles feature a range of mini products in varying scents for $25, giving each person a chance to fall in love with their new favourite product before committing to a full size version. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/ClnauzdvCFO/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/ClnauzdvCFO/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">L’Occitane has a whole range of stocking fillers available, such as hand cream packs, deluxe Christmas crackers, and much more. </p> <p dir="ltr">For those who simply can’t wait until December 25th to unwrap their L’Occitane goodies, the luxury brand has brought back their deluxe Advent Calendars for another year. </p> <p dir="ltr">With both the Classic and Deluxe beauty advent calendars on offer, enjoy a little luxury everyday of December until Christmas Day.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/p/CxIEHK7PDpG/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CxIEHK7PDpG/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by L’Occitane en Provence | ANZ (@loccitaneanz)</a></p> </div> </blockquote> <p dir="ltr">You can feel good about gifting L’Occitane goodies for Chrstmas this year, as the brand continues to make improvements to the materials they choose to package their products in. </p> <p dir="ltr">This year, L’Occitane has reduced the use of single-use materials by a further 8%, as they make it their mission to create a positive impact for both people and the planet. </p> <p dir="ltr">So when it comes to picking the perfect present for your loved ones this festive season, look no further than the luxuries of <a href="https://nz.loccitane.com">L’Occitane</a> to give the gift of indulgence to those who matter most. </p> <p dir="ltr"><em>Image credits: Instagram </em></p>

Beauty & Style

What is ‘budget Ozempic’ that’s all over social media? Can it help me lose weight?

<p><em><a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Social media is lighting up over what influencers are calling “<a href="https://www.forbes.com/sites/brucelee/2023/09/09/budget-ozempic-tiktok-trend-how-its-contributing-to-the-laxative-shortage/?sh=1f54511b1569">budget Ozempic</a>”. These are drugs normally used as laxatives and stool softeners, but people are taking them to lose weight. The demand is so high in the United States, there are reports this is contributing to <a href="https://www.wsj.com/health/wellness/laxative-shortage-diet-weight-loss-5a15bf02">shortages</a> in pharmacies.</p> <p>These laxatives are just the latest alternatives influencers are touting for the <a href="https://www.abc.net.au/news/2023-09-09/ozempic-maker-novo-nordisk-becomes-biggest-company-in-europe/102812584">blockbuster drug</a> Ozempic.</p> <p>So, does “budget Ozempic” help you lose weight? Any weight loss is likely to be temporary and using these laxatives long term may be dangerous.</p> <h2>Ozempic is in short supply</h2> <p>Ozempic contains the active ingredient semaglutide. It is a prescription-only drug used to treat type 2 diabetes. One side effect of taking it is significant weight loss. This has led to so many people trying to obtain the drug there have been <a href="https://www.tga.gov.au/safety/shortages/information-about-major-medicine-shortages/about-ozempic-semaglutide-shortage-2022-and-2023">shortages</a>.</p> <p>Instead, some people have turned to more easily accessible over-the-counter alternatives to try to lose weight. That includes <a href="https://theconversation.com/natures-own-ozempic-or-berberine-is-all-over-social-media-but-does-it-really-help-you-lose-weight-206855">berberine</a>, which has been dubbed “nature’s own Ozempic”.</p> <h2>What is ‘budget Ozempic’?</h2> <p>“Budget Ozempic” is different to “nature’s own Ozempic”. It is the polymer polyethylene glycol 3350, or PEG 3350 for short.</p> <p>Chemically, it’s similar to other polymers used as ingredients in cosmetics, drug delivery, <a href="https://www.chemistryworld.com/features/raiders-of-the-lost-pigments/3007237.article">archaeological preservative paints</a>, soaps and even <a href="https://navyrecognition.com/index.php/naval-news/naval-news-archive/2023/june/13261-northrop-grumman-hits-production-milestone-with-trident-ii-d5-s-2000th-rocket-motor.html">missile fuel</a>. It’s not to be confused with ethylene glycol, which is used in antifreeze.</p> <p>Medically, PEG 3350 is mainly sold in Australia through pharmacies in <a href="https://australianprescriber.tg.org.au/articles/managing-constipation-in-adults.html">laxative and stool softening</a> products. It is also used to clean out your bowels before a colonoscopy.</p> <p>The products are referred to as <a href="https://www.healthdirect.gov.au/medicines/medicinal-product/aht,22630/macrogol-3350">macrogols</a>. Brands include DulcoSoft, Movicol, OsmoLax, ClearLax and ColonLYTELY.</p> <h2>How can it cause weight loss?</h2> <p>PEG 3350 is known as an <a href="https://www.nhs.uk/conditions/laxatives/#:%7E:text=Osmotic%20laxatives%20draw%20water%20from,brand%20names%20Duphalac%20and%20Lactugal">osmotic laxative</a>. It uses osmosis – how your body manages the balance of electrolytes in your blood serum – to soften your stools and treat constipation.</p> <p>When you swallow a drink with PEG 3350 the polymer isn’t absorbed by the body. Instead, as it passes through your intestines it draws water to it, making your faeces much more watery.</p> <p>Because it draws more water out of your body than you put into it from the drink, your weight goes down. That is, it just makes you dehydrated.</p> <p>This means any weight loss is likely to be short-lived; when you next drink, your body will retain more of the water to replace what was lost. To have any significant and sustained weight loss you’d need to take a lot of PEG 3350 every day. And at most, you would only lose a few kilograms.</p> <p>This is different to how <a href="https://www.nps.org.au/assets/medicines/42ccacc2-2326-42ad-ad14-abd6010499a4.pdf">Ozempic</a> works. Ozempic is similar to a family of hormones in your body called <a href="https://pubmed.ncbi.nlm.nih.gov/29364588/">incretins</a>. These have a number of actions that control both blood sugar levels and weight. For example, they slow how quickly food is absorbed from the stomach and decrease appetite, both of which help with sustained weight loss.</p> <h2>Dangers and side effects</h2> <p>PEG 3350 can make you <a href="https://www.healthdirect.gov.au/dehydration">dehydrated</a>. You may feel dizzy or light-headed, have a headache and have a dry mouth, lips or eyes.</p> <p>The concentration of electrolytes in your blood, such as salt, may also be too high (known as hypertonic blood serum).</p> <p>Hypertonic blood serum can affect the shape of your red blood cells, making it harder for them to carry oxygen around your body. This results in symptoms that include fatigue and tiredness, and those other symptoms of being dehydrated. In extreme cases it can result in <a href="https://psmf.org/story/emily-jerry/">death</a>.</p> <p>Incorrect levels of electrolytes can lead to other serious problems, affecting your heart and muscles. It can also lead to seizures, confusion, and coma.</p> <p>It can be dangerous to take PEG 3350 if you have heart disease, if your doctor has put you on a sodium-restricted diet, or if you already have an electrolyte disorder, such as <a href="https://www.healthdirect.gov.au/potassium">hyperkalaemia</a> (high potassium levels).</p> <p>These products are also dangerous for elderly people, those with kidney problems, and in very young children.</p> <p>Common side effects include anal irritation, vomiting, diarrhoea, nausea, cramps, pain, and swelling of your abdomen. Some people can have allergic reactions.</p> <p>If you use laxatives, including PEG 3350-based products, for a long period of time (over a period of weeks or months) then you may experience <a href="https://www.eatingdisorders.org.au/wp-content/uploads/2019/10/Eating-disorders-and-laxatives.pdf">withdrawal symptoms</a> if you stop taking them suddenly. These include constipation, bloating, weight gain and fluid retention.</p> <h2>In a nutshell</h2> <p>Overall, if you’ve been struggling with weight loss, then PEG 3350-based products are not a safe and effective solution. Any weight loss you experience will be temporary and may put your health at risk. Safer and more effective solutions are available.</p> <p>Eating healthily and exercising regularly are important first steps for anyone who wishes to lose weight. Otherwise, your GP or local pharmacist can help you with both lifestyle changes and medication options to help with weight loss.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/213457/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/nial-wheate-96839">Nial Wheate</a>, Associate Professor of the Sydney Pharmacy School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/jessica-pace-1401278">Jessica Pace</a>, Associate Lecturer, Sydney Pharmacy School, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-is-budget-ozempic-thats-all-over-social-media-can-it-help-me-lose-weight-213457">original article</a>.</em></p>

Body

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

<p><em><a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p> </p> <p>It’s no secret that the cost of living has increased substantially over the last year, with rises of between <a href="https://www.abs.gov.au/media-centre/media-releases/employees-annual-living-costs-highest-record#:%7E:text=%E2%80%9CLiving%20costs%20for%20employee%20households,per%20cent%20was%20in%201986.">7.1 and 9.6 per cent</a> for all households. So what can households do to manage these increases?</p> <p>It might sound simple, but starting with a budget is the best approach. Even if you already have a budget, price increases mean it will need to be updated. For those new to budgeting, it is just a list of your income and expenses.</p> <p>Make sure you match the frequency of these so you are working out your budget over a week, or a fortnight, or a month. There are plenty of budgeting apps and websites that can help, such as the <a href="https://moneysmart.gov.au/budgeting/budget-planner">Moneysmart budget planner</a>.</p> <p>Once your budget is up to date, you can see your financial position. Do you have a surplus of cash – congratulations! You can save that money to help you in an emergency.</p> <p>But what about if you have less income than expenses? You need to work through a process of figuring out where you can cut back.</p> <p>Some expenses are easy to cut back on:</p> <ul> <li> <p>If you have multiple streaming services, drop back to one at a time. Check for any other subscriptions you might be paying for – if you are not using them frequently, now is the time to cancel. You can always resubscribe when money isn’t tight.</p> </li> <li> <p>If you are spending a lot of money on take out or paying for lunch, find cheaper alternatives such as eating at home and packing a lunch using cheaper ingredients. Switch to tap water for normal drinks, and take a travel cup of coffee with you.</p> </li> <li> <p>Check and see if public transport is cheaper for you. If you are using a lot of fuel and paying for parking, public transport could be a better option.</p> </li> <li> <p>Groceries can be a huge cost for families. It is always worth shopping around to not pay full price. Understand unit pricing and buy the products you use when they are on special. It might be necessary to switch to cheaper products.</p> </li> <li> <p>Check if you are paying too much for your utilities like internet, electricity and gas. There are comparison websites you can use, including the <a href="https://www.energymadeeasy.gov.au/">Energy Made Easy</a> website. You can also make simple changes such as turning off lights and using a saucepan lid when boiling water that will reduce your usage.</p> </li> <li> <p>Check other products you might be paying for, such as car, home and health insurance to see if you can save money by switching. Be careful with any life or disability policies. It is best to speak to a financial adviser before changing those as there can be implications for cover.</p> </li> </ul> <p>Other expenses, like housing, can be a lot harder to manage.</p> <p>Rising interest rates have pushed up mortgage repayments for homeowners. Mortgage interest charges have <a href="https://www.abc.net.au/news/2023-05-03/record-high-living-costs-businesses-contracting-interest-rates/102296992">risen by 78.9% over the year</a> to March 2023. For many homeowners, their repayments are unaffordable compared to when they first took out their mortgage.</p> <p>If you are struggling to afford your mortgage, the first step is to talk to your lender as soon as possible. Moneysmart has <a href="https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage">useful information</a> on what to do when you can’t meet your mortgage payments.</p> <p>You may also be able to <a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-super/access-on-compassionate-grounds/access-on-compassionate-grounds---what-you-need-to-know/">access some of your superannuation</a> so you don’t lose your home, however bear in mind that this is a temporary solution and uses your retirement savings.</p> <p>Increased demand for rentals has seen average rents across Australia increase by <a href="https://content.corelogic.com.au/l/994732/2023-07-05/z2tcd/994732/1688600749Ly8Iv9wt/202306_CoreLogic_RentalReview_July_2023_FINAL.pdf">27.4% since the COVID pandemic</a>. Supply of rental properties is low, which means many people may not be able to find a suitable alternative if their rent increases and becomes unaffordable.</p> <p>It might be necessary to take on a housemate, or move to a cheaper location (make sure to consider additional costs such as transport). If your circumstances have changed suddenly and you cannot pay your rent, contact your landlord or property manager.</p> <p>If you are paying a lot in credit card or other personal debt repayments such as numerous Afterpay-style accounts, it could be a good idea to speak to a bank about consolidating.</p> <p>This can help move some expensive debt, such as that from credit cards, into lower interest debt and simplify your budgeting as there is only one payment. If debt is making your budget unmanageable, then you can call the <a href="https://ndh.org.au/">National Debt Helpline</a> or for First Nations Australians there is <a href="https://financialrights.org.au/getting-help/mob-strong-debt-help/">Mob Strong Debt Help</a>.</p> <p>A final option could be to increase your income by taking on more work. This can be a good solution, but if you already work full time it might be unsustainable. Two common side hustles to boost income are gig work, such as Uber driving, and multi-level marketing, which is selling goods like Doterra and Herbalife to family and friends.</p> <p>However, both are <a href="https://www.twu.com.au/wp-content/uploads/2023/03/McKell_QLD_Gig-Economy_WEB_SINGLES.pdf">low</a> <a href="https://eprints.qut.edu.au/216593/1/MLM_report_Print.pdf">paid</a> and in most cases you would be better off earning minimum wage as a casual employee.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, Lecturer, Department of Accounting, Finance and Economics, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/shop-around-take-lunch-catch-the-bus-it-is-possible-to-ease-the-squeeze-on-your-budget-210895">original article</a>.</em></p>

Money & Banking

Common credit card mistakes to avoid

<p>If you regularly use your credit card, you’ll know how easy it is to plonk down the plastic for your shopping and other purchases. It’s also easy to forget those pesky card payments that follow. </p> <p>Along with the convenience of credit cards comes the danger that your bills can quickly snowball into a major debt that can linger for years if not managed properly. </p> <p>It pays to be aware of the pitfalls of credit cards and ensure you’ve got good habits in place to avoid them as much as possible. The following are a few suggestions:</p> <p><strong>Shop around for the best card deals</strong></p> <p>Don't make the mistake of signing up for the first credit card offer that arrives in your mailbox. Go online and look for the best possible card terms and features to suit you. Credit card rates can vary significantly, depending on the card and type of promotion offered.</p> <p><strong>Rewards programs</strong></p> <p>Following on from the point above, make sure the card you choose provides features you genuinely need and will actively use. Credit card rewards are promoted to make consumers think they’re getting something for free. But when you add up what it costs to earn rewards, a rewards program may not be much of a perk. For instance, credit cards that offer rewards often have much higher interest rates than cards with no rewards.</p> <p><strong>Keep track of your spending</strong></p> <p>While using a credit card sometimes feels like you’re not really spending money, not keeping track of your spending can wreak havoc on your finances. Carry a small notebook or if you’re more tech savvy, use one of the many apps available on your phone to record your purchases so you won't get a nasty shock when you receive your monthly statement. Make sure you check your statements regularly too.</p> <p><strong>Late and minimum payments</strong></p> <p>Credit card payments that aren’t paid on time result in late fees and higher interest rates. Read through your credit card statement carefully so you know when the payment is due. Consider auto-payment facilities or put a recurring note in your calendar each month a few days in advance of your payment due date to ensure you don’t miss it. Most card statements list the date that payments must be received by to avoid penalty interest fees. Ideally, it’s best to pay the full amount every month. Only paying the minimum amount will make the situation worse over time by attracting cumulative interest payment penalties.</p> <p><strong>Using cash advances</strong></p> <p>While they’re a tempting option, cash advances attract higher interest rates and should be used with care.</p> <p><strong>Handle with care!</strong></p> <p>Credit cards can be useful financial tools when used responsibly. Getting into good habits can ensure you take full advantage of the benefits while avoiding the traps.</p> <p><em>Image credit: Shutterstock</em></p>

Money & Banking

9 cost-effective ways to warm your home this winter

<p>Sick of hearing about the same old heating methods that never quite do the job? Try these nine unconventional heating hacks. </p> <p><strong>1. Preheat your pyjamas </strong></p> <p>While you shower, put your pyjamas in the dryer to ensure that you have toasty warm clothing to change into as soon as you leave the warmth of the bathroom. For a slightly more affordable version, wrap your PJs in a hot water bottle or heat bag, not only will it heat your clothes but it will make your bed toasty warm too, just be sure to remove the hot water bottle from your bed before you settle down to sleep for the night. </p> <p><strong>2. Join the fan club</strong></p> <p>It might seem counter-productive but turning a fan on at the lowest setting will help circulate heat throughout the room. Don't knock it until you try it!</p> <p><strong>3. Hottie in the car </strong></p> <p>Dreading your chilly morning commute to work? Make your early start a little easier to stomach by putting hand warmers into your pockets or heat up a hot water bottle with warm water or a heat bag and put it on your lap as you drive. </p> <p><strong>4. Utilise bubble wrap</strong></p> <p>For those whose home insulation isn't up to scratch, a budget-friendly trick is to use bubble wrap to insulate your windows from the inside. To create the DIY double glazing, simply get some bubble wrap and use a product like blue-tac to hold it in place on your windows.</p> <p><strong>5. Make use of your curtains</strong></p> <p>Keep your house warmer for longer by making use of your curtains and the limited winter sun. To do this, open all of your curtains on a sunny morning and allow the house to soak up as much heat as possible during the day. As night falls, let your curtains act as an additional piece of insulation by closing them at dusk and trapping heat inside the house.</p> <p><strong>6. Cuddle your pet</strong></p> <p>When in doubt, a great way to stay warm on a cold night is by sharing body heat. While snuggling up with your partner might make you a little bit warmer, cuddling a furry pet will heat you up a lot faster. The key to success with this hack is to cuddle up with the fluffiest animal possible, so try and find a friend with a Ragdoll cat or a St Bernard.</p> <p>7. Go camping… indoors</p> <p><strong>Just because it's winter does</strong>n't mean you can't go camping... well, as long as it's in the living room. For a warm night's sleep, fill up a tent with pillows and blankets, make sure it's all zipped up and settle down for the night. The enclosed space will heat up by trapping the air and using your body warmth to make the space nice and cosy.</p> <p><strong>8. Redecorate</strong></p> <p>Positioning your favourite seat in front of the heater might feel great when you're sitting in it, but when you put furniture too close to a heating source you're actually stopping the hot air from circulating throughout the rest of the room. Fix this problem by repositioning your furniture and allowing the hot air to fill the whole room, rather than just absorbing it all up in one spot.</p> <p><strong>9. Get in the kitchen</strong></p> <p>There's nothing like a good soup or a roast to make you feel better on a cold winter’s night. Cooking is an easy way to warm up the air in your home, while also providing you with something warm to eat at the same time. </p> <p><em>Republished with permission of <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p> <p><em>Images: Getty</em></p>

Home Hints & Tips

Coronation Quiche anyone? You’ll need to fork out A$38. Here are cheaper and healthier options

<p>If you are a monarchist, or just enjoy the tradition of the royal family, you may have heard about the Coronation Quiche – made with spinach, broad beans and tarragon.</p> <p>The idea is for us to make it and share it with friends and family during the coronation celebrations in May. King Charles and Queen Consort Camilla have just shared a <a href="https://www.royal.uk/coronation-quiche-0">recipe</a>.</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Introducing… Coronation Quiche!</p> <p>Chosen personally by Their Majesties, The King and The Queen Consort have shared a recipe in celebration of the upcoming <a href="https://twitter.com/hashtag/CoronationBigLunch?src=hash&ref_src=twsrc%5Etfw">#CoronationBigLunch</a> taking place up and down the country. <a href="https://t.co/aVcw9tNarP">pic.twitter.com/aVcw9tNarP</a></p> <p>— The Royal Family (@RoyalFamily) <a href="https://twitter.com/RoyalFamily/status/1647917367798939648?ref_src=twsrc%5Etfw">April 17, 2023</a></p></blockquote> <p>As dietitians, we’re interested in the quiche’s nutritional value. So we analysed its contents and found that although it’s quite a healthy dish, we could make a healthier version. Spoiler alert: the original recipe contains lard (pork fat).</p> <p>We’ve also found we could make the quiche using cheaper or more easily available ingredients.</p> <h2>What exactly is a quiche?</h2> <p>Today, most people consider quiche a French dish that’s essentially a savoury pie. It typically consists of a pastry crust filled with a mixture of eggs, cream and cheese, plus various other ingredients such as veggies, meat and herbs. </p> <p>Quiche can be served hot or cold. You can have it for breakfast, lunch or dinner with salad or veggies.</p> <h2>How much does it cost?</h2> <p>Quiches are usually quite economical to make. Most of the basic ingredients are cheap, and you can adapt the fillings depending on what’s in the fridge or left over from recent meals.</p> <p>Let’s see if this applies to the Coronation Quiche. We split the costs into typical quantities you can buy at the shops (for instance, six eggs) and the costs to make the quiche (which only needs two eggs).</p> <p>If you make the quiche from scratch and have to buy the ingredients in quantities sold in the shops, this will cost you almost A$38. Although this may seem a lot, you’ll have some ingredients left over for another meal.</p> <p>So how much do the ingredients cost for one quiche? We worked it out at $12 for the entire quiche, or $2 a serve. Quite reasonable!</p> <h2>Can you make it even cheaper?</h2> <p>Busy lives and the rising cost of living are front of mind right now. So here are a few things you can do to save time and money when making a Coronation Quiche:</p> <ul> <li> <p>buy pre-made pastry. Keep any sheets you don’t use for the quiche in the freezer</p> </li> <li> <p>use <a href="https://theconversation.com/are-home-brand-foods-healthy-if-you-read-the-label-you-may-be-pleasantly-surprised-189445">home-brand products</a> where possible </p> </li> <li> <p>consider vegetable shortening as it is a little cheaper than lard</p> </li> <li> <p>buy vegetables in season and from a farmers’ market</p> </li> <li> <p>can’t find tarragon? Try seasonal and cheap herbs such as parsley, basil or rosemary</p> </li> <li> <p>can’t find broad beans? Try cheaper pulses such as edamame or cannellini beans.</p> </li> </ul> <h2>How nutritious is the Coronation Quiche?</h2> <p>We also looked at the Coronation Quiche’s nutritional profile. We expressed quantities for the whole quiche, and per serve.</p> <p><img src="https://oversixtydev.blob.core.windows.net/media/2023/04/quiche-nutrient.jpg" alt="" width="1280" height="720" /></p> <h2>The healthy … and the not so healthy</h2> <p>This quiche has high amounts of healthy protein and fibre that come from the broad beans and eggs. </p> <p>One serving of this quiche gives you about 18-25% of your daily protein and about 10% of your daily fibre requirements, which is great.</p> <p>But the quiche has high levels of saturated fat, mostly from its high amounts of lard, butter and cream.</p> <p>Saturated fat has been linked to an increased risk of <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD011737.pub3/full">cardiovascular events</a>, such as heart attacks and stroke, because it raises levels of LDL cholesterol (the bad kind of cholesterol). </p> <p>This LDL cholesterol can build up in the walls of arteries and form plaques, leading to arteries hardening over time and increasing the risk of heart attack and stroke. So, high amounts of saturated fats is something we want to avoid eating too much of, especially if we have cardiovascular disease. It’s also something we want to avoid if we’re trying to lose weight.</p> <p>For an average Aussie consuming roughly 9,000 kilojoules per day, the recommended maximum intake of saturated fat is about 24 grams. </p> <p>Just one serve of this quiche has about 17g of saturated fat, which means there’s not much wriggle room for other foods after you have a slice. </p> <p>You may be better off trying <a href="https://nomoneynotime.com.au/healthy-easy-recipes/clares-rolled-oats-quiche">this quiche</a> instead, as it has half the amount of saturated fat as the Coronation Quiche. You could even try a <a href="https://www.wellplated.com/crustless-quiche/">crustless quiche</a>.</p> <h2>4 ways to make a healthier quiche</h2> <p>Here are a few swaps to help make this recipe healthier:</p> <p>1. Use low-fat options. If you’re watching your weight and looking to reduce the kilojoules of the quiche, swap the full-fat cheddar cheese, milk and double cream to low-fat products. This will reduce the total fat content per serve from 29.6g to 15g and save 112.2 kilojoules per serve</p> <p>2. Ditch the lard. Swap the lard for butter to save 15g of total fat per serve. This may change the texture of the quiche slightly but it will reduce the kilojoules </p> <p>3. Use feta. Swap the cheddar cheese for feta cheese, which has fewer kilojoules per gram</p> <p>4. Add extra veggies. This increases the fibre content of the quiche and adds loads of extra nutrients.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/coronation-quiche-anyone-youll-need-to-fork-out-a-38-here-are-cheaper-and-healthier-options-204100" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Food & Wine

Tips for eating a healthy diet on a tight budget

<p>When you’re on a tight budget, the idea of coming up with tasty, healthy meals on a regular basis can sometimes seem beyond us! We easily fall prey to slick grocery marketing, and when it comes to fitting meal preparation into our day, it’s easy to fall into a rut, succumbing to quick fix fast foods again and again.</p> <p>The good news is, you can be thrifty and healthy – with a little organisation and creativity, you can enjoy first class meals on a smart saver’s budget.</p> <p>Here’s a selection of tips to help with your creative cuisine challenge:</p> <ul> <li>A golden rule is don’t shop when you’re hungry, as you’re more likely to buy things you don’t need. Shop with a list rather than buying on the spur of the moment.</li> <li>Buy fresh fruit and vegetables that are in season, and only enough for a week or so, as they go off quickly.</li> <li>Buy generic, no name and home brands where possible, especially for items where you’re not fussed about having the absolute best quality.</li> <li>Add some canned kidney beans, chick peas, lentils or other legumes to mince dishes or stews to make the meal go further. Canned beans are cheap, handy and healthy – a great addition to salads and other meals.</li> <li>Buying in bulk is almost always cheaper. It’s a great idea to buy non-perishable items in bulk (canned foods, dried beans and grains etc.), and you can freeze perishable items such as meat and bread in smaller portions to use as needed.</li> <li>When cooking a big meal, make extra to freeze or use later in the week for lunches or quick suppers. Double recipes, then freeze half.</li> <li>Use less expensive cuts of meat for casseroles that you slow cook; add extra vegetables and beans to make the meal go further.</li> <li>Look at purchasing perishables like meat and sushi at the end of the day when there are often clearances of stock close to use by dates.</li> <li>Check supermarket catalogues for specials and identify any products that you need before you go shopping.</li> <li>Buy block cheese and grate it yourself.</li> <li>Preserve when it’s cheap. Depending on your storage capacity, bottling, drying and freezing fresh fruits and vegetables is an excellent way to cash in on seasonal foods that are lower in cost but higher in taste and nutrition.</li> <li>Brown rice is a great addition to leftover meat and veggies. Although brown rice is slightly more costly than white, the nutritional payoff is well worth it.</li> <li>Pasta, likewise, is quick and easy to prepare, and can be paired with veggies, meat or a fresh salad. Have fun adding your own dash of inspiration (mushrooms, spices and herbs.) Choose wholemeal pasta when you can.</li> <li>Always keep spices, herbs and sauces handy – they can brighten up simple dishes.</li> <li>Bake your own goodies – that way you can make sure everything that goes into them is more nutritious. Plus, they are generally cheaper and tastier than store bought varieties.</li> <li>Soups can’t be beaten for nutrition and convenience, especially since you can use inexpensive soup mixes as your base. At the end of the week, make soup out of all your leftover veggies instead of throwing them out, and freeze anything you won’t eat in a few days. You can find great ideas on the internet by searching for recipes containing whatever you have in the fridge. Again, be creative, adding your own herbs and spices.</li> </ul> <p><em>Image credits: Getty Images</em></p>

Food & Wine

8 ways to stretch your cruise budget

<p>When it comes to cruising there are plenty of ways you can make you budget stretch further without have to give up on the quality of holiday you want to have.</p> <p><strong>Be flexible</strong></p> <p>You can snag a great deal if you’re flexible with dates and open to new destinations. Fares can fluctuate on a daily basis so, if you aren’t locked in to a certain schedule, you could grab a great last minute bargain. Plus, you might discover an amazing new destination you’d never thought of.</p> <p><strong>Shop the sales</strong></p> <p>The cruise industry has sales on all year round and plenty of cruise lines, travel agents, forums and cruise websites will have deals pages or newsletters you can sign up to. If you stay abreast of all the special offers that are coming out, you can be sure to grab the best one.</p> <p><strong>Buy a package</strong></p> <p>Dining at the main restaurants will be included in your fare, but each ship will have a few specialty restaurants that come at an extra charge. If you want to try them all, buy a package that will come at a significant discount. Same goes for alcohol. If you think you’re likely to drink a few cocktails in the afternoon and wine with dinner, buy a daily drinks package to lower the cost.</p> <p><strong>Save on port days</strong></p> <p>Onboard spas are expensive, often even more expensive than you would find on shore. But most ships will have specials on offer during port days when most people are off the ship. If you don’t mind missing the destination you can get a great deal. The onboard shops will often have special sales or events on port days too. Check your daily cruise calendar.</p> <p><strong>Watch your tips</strong></p> <p>Almost all lines will add a daily gratuity to your account, usually around $12 to 15 per person per day. You’ll also find an extra 15 to 18 per cent gratuity added to bar bills or spa treatments. That means you don’t have to tip any extra – even though they leave a space for it on the bill. You don’t want to end up tipping 30 per cent on a round of beers.</p> <p><strong>Disconnect at sea</strong></p> <p>Internet and phone calls are the two most expensive things on a cruise – which makes sense when you realise you’re in the middle of the ocean. Mobile roaming charges are steep and cruise ship wifi extortionate, so the best thing to do is unplug your devices. You can always find a free wifi hotspot or payphone when you’re on shore.</p> <p><strong>Guide yourself</strong></p> <p>Shore excursions are a great way to experience a port, but they can also be really expensive. And many of them aren’t worth the money, like beach days or city bus tours. At most places you can get a taxi to take you to the beach for a fraction of the price or find a local bus that will take you on the same route. Do a little internet research before you go and reap the rewards.</p> <p><strong>Use an agent</strong></p> <p>A lot of money saving tactics come from a little DIY, but using a specialist cruise travel agent can actually save you money in the long run. They will help you find the right ship, the right cruise and the right cabin, plus they will know how to take advantage of the added value extras that cruise lines always have on offer.</p> <p><em>Image credits: Shutterstock</em></p>

Cruising

3 budget-friendly overseas holidays destinations

<p>You don’t have to rob a bank to go on an overseas trip. While you may be pinching pennies for retirement that doesn’t mean that a holiday is out of the question. </p> <p>Jetting off somewhere doesn’t have bleed you dry, actually, there are quite a few spectacular, great-value overseas destinations that allow you stretch your purse strings without making a dent in your savings. Why not consider one of these:</p> <p><strong>Northern Ireland</strong></p> <p>With many affordable guesthouses near Antrim’s seaside Giant’s Causeway and budget flight options, there are many great deals for a holiday in Northern Ireland. Make sure you see Pritzker-winning architect Zaha Hadid's cutting-edge Titanic Belfast museum, which brings fresh life to the dockyard where the doomed cruise liner was built. </p> <p>You’ll also want to make sure you take in the astounding interlocking rock columns of Antrim.</p> <p><strong>India</strong></p> <p>If you travel outside of the tourist favoruties – Mumabi and Delhi – there are many hotels that are reasonably priced if not utterly cheap. And the country has lots of landscape and culture for the buck. If you travel around by train and dine at low-key local places it will not only make you trip more authentic, but your pennies will go further. </p> <p>From lounging on the beaches of Goa to affordable skiing on Himachal Pradesh, there are many budget-friendly options including staying at Rajasthan's former palaces and living like a maharaja for less.</p> <p><strong>Laos</strong></p> <p>With better deals than Thailand, with its natural beauty and friendly locals, Laos is somewhat a majestic destination. With its sleepy riverfront and statue-decorated Buddha Park, Vientiane – the capital of Laos – offers much to be explored that you don’t have to pay for. </p> <p>Observe saffron-robed monks at dawn moving gracefully around the temple-filled holy town of Luang Prabang, or discover dramatic megalithic stone vessels, believed to be funerary urns, in the Plain of Jars.</p> <p><em>Image credits: Getty Images</em></p>

International Travel

5 super simple ways to save cash for retirement

<p>During the lead-in to retirement, money management becomes more important than ever. And while we often get lost pondering over in the major financial decisions, getting the minor financial decisions right can be just as important.</p> <p>We’re going to run through five simple ways any soon-to-be-retiree can save cash for their golden years. Sometimes the smallest changes make the biggest difference. </p> <p><strong>1. Set targets</strong></p> <p>Saving can be difficult if you don’t know where the goalposts are placed. But how much do you really need to retire? As <a href="http://119.9.30.84/blog/are-you-retirement-ready" target="_blank"><strong><span style="text-decoration: underline;">Equip notes</span></strong></a>, “According to ASFA (the Association of Superannuation Funds of Australia), a couple needs approximately $640,000 in retirement savings for a comfortable lifestyle. For a single person that number is $545,000.”</p> <p>Setting minor saving targets, even if it’s just a little bit of money here and there every week, can get the ball rolling and start putting yourself in a position to prop up your nest egg.</p> <p><strong>2. Shop smarter</strong></p> <p>While you don’t want to be living like a miser, smarter shopping choices can add up. Keeping your ear to the ground for discounts, taking advantage of specials and avoiding any discretionary purchases will help keep you in the black.</p> <p><strong>3. Clear any outstanding debt</strong></p> <p>Debt can be an inconvenient drain on your income in the lead-in to retirement. If you’re set to take the plunge and find yourself in a mire of debt, it’s important to take necessary steps as soon as possible, which might mean finding a financial planner. </p> <p><a href="http://119.9.30.84/blog/are-you-retirement-ready" target="_blank"><strong><span style="text-decoration: underline;">Equip says</span></strong></a>, “Having outstanding debts as you approach retirement isn’t necessarily a problem, but it does require some planning. For example - do you use your super to pay off your mortgage? There’s no simple answer, but speaking to a financial planner can help you understand your options and what they mean in the long term.”</p> <p><strong>4. Change spending habits</strong></p> <p>Ultimately, if you’re looking to save some extra cash for retirement you’re going to have to change your spending habits. Little things like drinking coffee at home, or staying in for lunch and dinner can make a big difference in the long run.</p> <p><strong>5. Explore your options</strong></p> <p>Taking the measures listed above is a good start, but you’re only scratching the surface of what you can do to prop up your retirement income. <a href="https://www.equipsuper.com.au/financial-planning/meet-our-financial-planners" target="_blank"><strong><span style="text-decoration: underline;">Qualified financial planners</span></strong></a> can give you advice and guidance on little things you can do in your day to day life that will ensure you’re in a better position when you’ve reached retirement. </p> <p>What measures do you take to save cash?</p> <p><em><span style="text-decoration: underline;"><strong><a href="https://www.equipsuper.com.au/" target="_blank">Equip</a></strong></span> manages $7 billion of investments for members working across a wide range of Australian industry sectors. This <span style="text-decoration: underline;"><strong><a href="https://www.equipsuper.com.au/" target="_blank">superannuation fund</a></strong></span> has been providing strong investment performance and has been a reliable provider of retirement benefits for over 80 years.</em></p> <p><em>This article is for general information only. You should seek formal financial advice on your specific circumstances.</em></p>

Money & Banking

Tips for travelling on a budget

<p dir="ltr" role="presentation"><strong>1. Plan, plan, plan</strong></p> <p dir="ltr">Get your affairs in order! Travelling spontaneously is wonderful but it's not a smart move if you’re on a budget. Make sure you know exactly how long you’ll be staying at each location, and learn the best route of transport. Then, you can calculate your travel expenses before you even leave. </p> <p dir="ltr"><strong>2. Travel out of peak season</strong></p> <p dir="ltr">This will always be the cheaper option. Avoid travelling during school holidays because the industry tends to increase prices. Instead, research the best time to visit your location and travel before or after those dates. </p> <p dir="ltr"><strong>3. Book flights in advance</strong></p> <p dir="ltr">Try to book your flights well in advance. Booking flights closer to your day of departure will always come at a higher cost.</p> <p dir="ltr"><strong>4. Be food savvy</strong></p> <p dir="ltr">Rather than going to a cafe or restaurant where the prices may be high, wander around and find low-cost eateries. Do your research to learn what is and isn’t considered costly at your intended destination.</p> <p dir="ltr"><strong>5. Pack sensibly</strong></p> <p><span id="docs-internal-guid-ba14c101-7fff-c948-fe3b-865678dd1f2b"></span></p> <p dir="ltr">Make sure you’re packing absolutely everything you need. You don’t want to be caught out, especially in a foreign country. It's also a good idea to research the weather conditions for every intended stop.</p> <p dir="ltr"><em>Image credit: Shutterstock</em></p>

Travel Tips

6 simple steps to make your travel budget go further

<p>We’ve all got jet-setting friends who always seem to be off on a new trip around the world. At times it feels as though they’re on holidays forever, and goodness knows how the pay for it all.</p> <p>But we think if you broke it down, you’d find there’s not a huge difference between your finances and what they’re working with. They might just be a little better at the planning side of things. We’ve put together six tips for planning and budgeting your next trip. By incorporating some of these ideas into your trip planning, you will find your holidays will last longer than ever! </p> <p><strong>Go at the right time of year</strong></p> <p>Often with tourists locations there’s a peak season to visit. More tourists will be travelling to the destination and as a result prices for everything from hotels to airfares and even the meal at your restaurant can be significantly higher.</p> <p>For this reason, it’s important to do your research when planning your trip and if you can be flexible go at a time where there won’t be too many tourists.</p> <p><strong>Pay attention to the exchange rates</strong></p> <p>When you’re figuring out exactly where you want to go it is definitely worth keeping an eye on the local exchange rage and understanding how our dollar is performing.</p> <p>You may find that if our dollar isn’t facing too strongly against a particular currency it may be worth considering alternate plans that will give you a little more bang for your buck when you’re headed overseas.</p> <p><strong>Figure out how much you’re going to spend before you leave</strong></p> <p>If you set an upper limit on the amount you want to spend before you leave, odds are you will be able to find it easier to reign in your spending. Get a pen and pad out and make some estimations as to how much everything is going to cost before you set your plans in stone.</p> <p>By doing this, it will probably also be easy to identify areas in which you can actually save some money.</p> <p><strong>Figure out a daily budget and stick to it</strong></p> <p>Have a frank discussion with yourself about what this trip is and what you actually want to achieve out of it. Is it going to be a cheap jaunt through South East Asia or a luxurious exploration of Europe?</p> <p>By figuring out what your daily budget is and how much money you can afford to spend on a daily basis you will be well placed to make sure your spending doesn’t get out of hand while overseas.</p> <p><strong>Research and explore alternate routes</strong></p> <p>If you’ve been budgeting your trip out and you’ve started to come to the conclusion that this one might be a little bit out of your price range, don’t be afraid to do a little bit of extra research and explore some alternatives.</p> <p>You’ll probably find there are some alternative trips that are available that won’t cost you nearly as much to embark upon and give you plenty of loose change to enjoy.</p> <p><strong>Make sure you have enough money to be flexible</strong></p> <p>That being said, it’s important to have a good time when you’re away on your trip and in the end of the day money is just money.</p> <p>What’s more important is having an amazing experience while you’re away, so when you’re budgeting your trip out make sure you include enough money to be flexible in your trip and be taken by any whims that might catch your fancy while abroad.</p> <p><em>Image credits: Getty Images </em></p>

Travel Tips

13 budget beauty tricks

<p>There are plenty of beauty tips that are not worth listening to. Who actually throws out their mascara after three months? Do you really need to buy enough make-up brushes to rival an artist's palette? And will putting strawberries all over your teeth really give you a smile to rival Lucille Ball’s? It’s all a bit too hard.</p> <p>Use these simple, DIY tricks to save your time, money and effort.</p> <ol> <li>To avoid lipstick on your teeth, after applying your lippie stick your finger in your mouth and pull it out. This way your finger will take the excess product, not your teeth. </li> <li>Concoct your own plumping lip venom (and save yourself $30) by adding a drop of cinnamon or peppermint oil to your lip colour.</li> <li>Vaseline costs you pocket change and has to be the most hard-working beauty products out there. Apply to lashes before bed to make them grow longer and thicker over time, use it to tame unruly eyebrows, apply to pulse points before spritzing your perfume to make the scent last longer, combine with sea salt to make a scrub and mix with lipstick to make a subtle cream blush.</li> <li>Don't have a curler? Give yourself groovy, long-lasting waves by flat-ironing your braids with your hair straightener. Avoid making the braids too tight lest you like the crimped look.</li> <li>Don't listen to Sally Hansen when she says you need to buy cuticle cream. Eye cream applied to your nail beds serves the same purpose.</li> <li>While towels cause static and friction, drying your hair with a cotton T-shirt eliminates the frizz factor completely.</li> <li>A light dusting of baby powder between coats of mascara creates fullness you have not dared to even dream of.</li> <li>There's nothing worse than blotches of dry shampoo that could be mistaken for dandruff. Always apply it the night before, not the morning of, to prevent product build-up.</li> <li>Want to give your lipstick long-wear power? After applying, hold a tissue over your lips and lightly dust with translucent powder to set the colour.</li> <li>Got a spot of foundation on your white shirt? A touch of shaving cream on a damp cloth should clear it right up.</li> <li>You can reduce hair static and fly-aways by slicking it with a dryer sheet.</li> <li>There's no tougher wait than the time it takes your conditioner to work or your manicure to dry. Cut that drying time in half by dunking your nails in a bowl of cold water for two minutes shortly after painting.</li> <li>Had a messy experience with leaky products in your suitcase? Hasn't everyone? Just unscrew the caps, place a layer of cling film over the top and screw them back to prevent any liquid from ruining your trip.</li> </ol> <p><em>Written by Kathleen Lee Joe. First appeared on <a href="http://Stuff.co.nz" target="_blank" rel="noopener">Stuff.co.nz.</a></em></p> <p><em>Image credits: Getty Images</em></p>

Beauty & Style

Aussie mum's thrifty Kmart renovation hack

<p>Home décor on a budget has become the latest phenomenon this past year, with creative women showing off their inspiring rooms that look a lot more expensive than they actually are.</p> <p>The most recent is a mother who has stunned thousands after completely transforming her home for less than $20,000.</p> <p>Stay-at-home mum Rebecca Townsend proudly shares photos of her creations through her Instagram account and says that except for the fireplace and air conditioning system, everything else is the result of her and her husband’s hard work.</p> <p>She managed to find affordable duplicates of designer pieces in order to create a “slice of heaven” on a budget.</p> <p>“With help from family and a lot of hard work, we’ve managed to not have one trade come through the house, we’re pretty proud of that,” she told the <em><a href="https://www.dailymail.co.uk/femail/article-6251367/Mother-transforms-home-using-Kmart-versions-designer-decor.html" target="_blank" rel="noopener">Daily Mail</a>.</em></p> <p>“We repurposed and recycled things to save on costs so we can splash out on big ticket items such as the mirror splash back and heater.”</p> <p>The kitchen was torn down, including the surrounding four walls, only a few days after they moved into their new home.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/BblAO_EjBSR/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/BblAO_EjBSR/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Rebecca Townsend (@champagne_dreaming_on_budget)</a></p> </div> </blockquote> <p>Certain clock designs can put shoppers back hundreds of dollars, but thanks to Ms Townsend's savvy skills, she managed to find a replica for $19, which features a wooden backing to give a more rustic appearance.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Bl9Bh_7nLbQ/?utm_source=ig_embed&utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" href="https://www.instagram.com/p/Bl9Bh_7nLbQ/?utm_source=ig_embed&utm_medium=loading" target="_blank" rel="noopener">Early morning cuddles in bed with Mr.2 ..and every.single.teddy he owns 🤦‍♀️ I’ve got a corner of the mattress, but I wouldn’t have it any other way 🤷‍♀️✨🌟 Enjoy your day instafam 😚 . . . Tap for sources🌟✨ . . . #earlymorninghangs #styling #loungeroominspo #howihome #myfabhome #mydomaine #apartmenttherapy #homeinspo #interior123 #plantmom #planteriordesign #plantsofinstagram #itsajungleinhere #crazyplantlady #rustic #interiormilk #styleitdark #industrialdesign #mybohotribe #chickswithplants #myhomevibe #boholocs #bohemian #thehecticeclectic #kmartstyling #styleonadime #showmeyourstyled #hyggehome #actualinstagramhomes #cornerofmyhome</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" href="https://www.instagram.com/champagne_dreaming_on_budget/?utm_source=ig_embed&utm_medium=loading" target="_blank" rel="noopener">Rebecca Townsend</a> (@champagne_dreaming_on_budget) on Aug 1, 2018 at 3:44pm PDT</p> </div> </blockquote> <p>To further cut down on costs, Ms Townsend purchased many items second-hand, which resulted in huge savings.</p> <p>In the past, the mother-of-one shared her and her husband’s work after they decorated their bathroom using items from Kmart, ALDI and eBay, totalling to $800.</p> <p>“You don’t need to spend a lot these days to get the designer look, you just need to be savvy, wait for the specials and shop around,” she said.</p> <p>“The bathroom is the only room we didn’t rip apart the moment we moved in, we just cleverly designed it on a budget with items mostly from Kmart to make it more designer.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Bn2gJjiHpMS/?utm_source=ig_embed&utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" href="https://www.instagram.com/p/Bn2gJjiHpMS/?utm_source=ig_embed&utm_medium=loading" target="_blank" rel="noopener">YES, I’m back! Well, I’m back ..yes, I’m BACK IN BLACK!!! . . . Black is the new black guysss and I’m all over it like a bee on a flower 🐝 (there’s a spring reference for you there 😉) . . . The bathroom is the only room in the house we didn’t completely gut the moment we walked in the door from getting the keys, we’ve just cleverly decorated it to make it ✨POP✨on a very tight budget of $800! This completely decked the room out from top to bottom including swapping all the hardware out for the more modern black look, you just need to be savvy and look for the bargains (don’t be afraid to be stingy 😜) and get your hands dirty with some #diy the money you save on the little things allows you to splash out on the bigger ticket items! . . . ✨I’ll go into more detail in my stories 🙏 ✨ . . . #diystories #blackonblack #backinblack #bathroomdecor #bathroom #bathroominspo #bathroomremodel #luxuryinteriorsonabudget #cornerofmyhome #newinteriorsontheblock #actualinstagramhomes #apartmenttherapy #interior123 #interior_design #designsponge #interiormilk #howihome #homeinspo #industrialdesign #kmartstyling #kmartaus #styleitdark #styleonadime #deliciousdarkdecor #interiorboom #myhomevibe #myhometrend #dailydecordetail #livefabulousandfearless</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" href="https://www.instagram.com/champagne_dreaming_on_budget/?utm_source=ig_embed&utm_medium=loading" target="_blank" rel="noopener">Rebecca Townsend</a> (@champagne_dreaming_on_budget) on Sep 17, 2018 at 8:00pm PDT</p> </div> </blockquote> <p>Ms Townsend hopes that her décor-on-a-budget will help inspire other people to step out of their comfort zone.</p> <p>Her and her husband worked together on this home project during the time their baby was on home oxygen and was in and out of hospital.</p> <p>“After our son was born at 23 weeks gestation and spent 125 days in hospital, we bought this house when he was only seven months old and on home oxygen, but it didn’t deter us from creating a wonderful home for him to grow up and into,” she said.</p> <p>“Whatever challenges you may face, don’t put renovating off if it will provide you with happiness, if we can do it on a budget through all our ups and downs, you can too.”</p>

Home Hints & Tips

Seven simple ways to save money now!

<p>Could you do with a few extra dollars in your pocket each week? These handy hints make it all too easy.</p> <p>A few extra dollars in the kitty each week would be handy for any of us. It’s possible! It’s just a matter of finding ways to trim the fat on your expenses and stretch your dollar further. We’ve compiled some simple tricks to start today to get money in your pocket fast. They’re achievable for everyone!</p> <p><strong>Grow your own food</strong><br />Save at the supermarket by growing your own fruit and vegies. If you have a bit of extra space out in the backyard, why not utilise it with an apple tree, a few vegies and if you have the room, why not some chickens? For beginners, mint, silverbeet, leafy greens, zucchini and cherry tomatoes are great because they don’t need too much love and attention to grow.</p> <p>If you’d like to start out small, a lovely planter box against the kitchen windowsill to grow herbs could be a good starting point. Basil, oregano and parsley are all simple to start with and can all be grown indoors during winter. By growing your own food you’ll save on your weekly grocery bill and be engaging your mind and moving the body. <a href="http://littleveggiepatchco.com.au/" target="_blank" rel="noopener">The Little Veggie Patch Co</a> is a Melbourne-based business dedicated to helping people grow food. Their website offers some great videos on useful tips and tricks to help you grow a vegie patch in no time.</p> <p><strong>Shop online</strong><br />Not only could you bag yourself some great bargains that you might not be able to find in a store, you can also cut out impulse buying. This can save you a lot at the supermarket if you’re a shopper who loves to buy what’s on special. While you may think you’re saving money by doing this, you’re actually just buying items you may not have necessarily bought if you were buying your groceries online.</p> <p>Before buying any item online, whether it’s a new bed for your pet pooch or your grocery essentials for the week, make sure you understand the company’s shipping costs and policies. Many places offer free delivery or shipping when you buy their items but it’s best to check first.</p> <p><strong>Know your concessions</strong><br />If you’re on the pension, you could save on utility bills, travel expenses and many other every day costs. Many companies offer discounts for Aussies on the pension, which could put a few extra dollars in your pocket each week. However, you have to tell them. They won’t apply the discounts automatically. You could save money on books, magazines and travel.</p> <p>For those over 60, you can apply for a seniors’ card in your state or territory. This nifty little card offers a range of discounts, such as cruises or travel insurance, magazine subscriptions, cinema and event tickets, plus a lot more. The eligibility requirements and discounts differ between states, so it’s best to contact your local social services department to find out more.</p> <p><strong>Sign up for customer reward programs</strong><br />If you’re buying products from a particular store, you should be rewarded right? You can be, but you’ll need to sign up to a store’s loyalty or rewards program. Generally, these work by rewarding you with points each time you shop in a particular store, and then once you reach a certain amount, you get a reward. It could be a voucher, a special deal or a product.</p> <p><strong>Keep a money diary or download a budget app</strong><br />It’s hard to save without knowing where your money is going. Nip this in the bud by keeping a record of where your money goes in one week. Be disciplined and write down every expense. If you have a smartphone, iPhone, tablet or iPad, why not download a budget app? There are plenty out there in either the Apple Store or Google Play for those wanting to take control of their savings and take note of their spending habits.</p> <p><strong>Make your own gifts</strong><br />Do you spend a lot of money buying gifts for your kids and grandchildren? What about friends and colleagues? Birthdays, anniversaries, school achievements and other events you may buy gifts for can quickly add up to be a huge expense. To save money, why not put your skills to the test and make your own gifts?</p> <p>With so many material things in the world, being given a gift personally made by you could be a much nicer way of showing your affection for someone. Whether you’re great at painting or drawing, cross-stitching, making candles or baking, put your skills to the test by creating a gift that has more heart than anything you could possibly buy in a store.</p> <p><strong>Cut back for one month</strong><br />Why not try one month without something you regularly buy but don’t need. It could be a morning coffee or tea, a magazine you buy every fortnight or your weekly indulgence of potato crisps on a Saturday night. Whatever it is, try to give it up for one month.</p> <p>Put aside the money you would normally use to buy this item, and deposit it into a money box at home. While this isn’t going to buy you a round-the-world airplane ticket after one month, if you do this a few times a year, you’ll soon see results.</p> <p><em>Image: Getty Images</em></p>

Money & Banking

Tips for designing a garden on a budget

<p>Whether you are new to gardening or a garden guru, if you are thinking of redesigning your garden, the process can be a little intimidating and the costs can really add up. But with some planning and research and a little imagination it can be a very enjoyable project.</p> <p><strong>Plan and do it yourself</strong></p> <p>Gardening is a great way to spend a Sunday, but if you’re planning to design or redesign your whole garden, it might be a bit daunting. The trick is to plan what you want to do and pace yourself. You don’t want to exhaust yourself in a single day; and gardening should be fun not a chore.</p> <p>The beauty of planning out your garden design is that you’ll be able to see where you can save money, and where you might need some help from the professionals.</p> <p>Don’t be afraid to ask family and friends for help either; they’ll usually be happy to lend a hand. Gardening can also be a great activity to do with the grandkids.</p> <p><strong>Propagate using cuttings</strong></p> <p>The best way to determine what will grow best in your garden is to look around the neighbourhood. What plants in your neighbour’s garden are thriving?</p> <p>Once you have a list of the best plants for your area, visit some neighbours and ask if you can take some cuttings. Plants that will propagate from a cutting include geraniums, gardenias, camellias, lavender, hydrangea, azaleas, many succulents and native plants, to mention just a few.</p> <p>Often all you’ll need to do is cut away stems and leaves so roots can grow in their place and plant the cutting in the ground. But you can also add growth hormone to help propagate a cutting.</p> <p><strong>Consider native plants</strong></p> <p>As mentioned above, native plants can often be propagated using cuttings, but they are also naturally suited to your area.</p> <p>While you might not want to fill your garden with native plants, you can use smaller native plants and grasses for smaller spaces in your garden and take advantage of their easy manageability.</p> <p>Because native plants have evolved to withstand the climate and can survive with less fertiliser, pesticides and water, a native garden can be easier and much cheaper to maintain.</p> <p>This gives you greater flexibility; if you were to go on holiday, you won’t have to rely on the kids to look after the garden while you are gone.</p> <p><strong>Find uses for common household items</strong></p> <p>When you are designing your garden on a budget you should have a look around the house for ways to save on your garden budget. You can get <span style="text-decoration: underline;"><strong>plenty of ideas on the internet</strong></span> for how to repurpose old and vintage items in your garden. And there are many ways to recycle household items in the garden that you may have been planning to throw out.</p> <p>Newspaper mulching is a prime example of repurposing a household item. Use your old newspapers to smother weeds, allowing your flowers and veggies to grow unhindered.</p> <p>Have your grandkids grown out of their nappies? Use left overs in the place of water hydrating crystals in the bottom of pot plants. They’ll act as a reservoir and will keep the plant moist without drowning it.</p> <p><strong>Egg carton seed storage</strong></p> <p>Egg cartons and toilet rolls can be used as seed starters, while toilet paper makes great seed paper. You could even try your hand at composting. But if that’s a little too much for you, you can just use your tea leaves as a nutritional boost for your plants.</p> <p>So start planning your new garden, enlist the help of family and friends and have a look around your house and online for some inspiration.</p> <p>Did you design your own garden? Share your tips with the Over60 community in the comments below.</p> <p><strong><em>To find more great tips on gardening and design, please visit the Australian Outdoor Living <a href="https://www.australianoutdoorliving.com.au/" target="_blank" rel="noopener"><span>website here</span></a>.</em></strong></p> <p><em>Image: Getty</em></p>

Home & Garden

Why ‘best before’ food labelling is not best for the planet or your budget

<p>UK supermarkets have <a href="https://metro.co.uk/2022/08/03/which-supermarkets-are-scrapping-best-before-dates-and-why-17117556/">removed “best before” dates</a> on thousands of fresh food products in an effort to reduce food waste.</p> <p>One of the major supermarket chains, Sainsbury’s, is replacing these labels with product messaging that says “<a href="https://www.fruitnet.com/fresh-produce-journal/sainsburys-axes-best-before-dates-on-more-fruit-and-veg/247057.article">no date helps reduce waste</a>”.</p> <p>Apples, bananas, potatoes, cucumbers and broccoli are among the most wasted foods. Removing “best before” labels from these foods alone will reduce waste by an estimated <a href="https://wrap.org.uk/taking-action/food-drink/initiatives/food-waste-reduction-roadmap">50,000 tonnes a year</a>.</p> <p>In Australia we produce <a href="https://www.fial.com.au/sharing-knowledge/food-waste">7.6 million tonnes of food waste every year</a> – about 300kg per person. <a href="https://workdrive.zohopublic.com.au/external/ba011474a921ef40d77287a482fc9b257083a646708e3b38b6debeea81cdf81b">About 70%</a> of what we throw out is still edible. Why aren’t we following the UK’s example?</p> <p> </p> <p>Some might worry about food safety. But two types of date labels – “best before” and “use by” – are used in Australia. “Use by” labels would still alert us to when food can no longer be regarded as safe to eat.</p> <p>And consumers will still be able to assess the state of fresh produce for themselves.</p> <h2>Food waste has huge impacts</h2> <p>Food waste costs Australia <a href="https://workdrive.zohopublic.com.au/external/ba011474a921ef40d77287a482fc9b257083a646708e3b38b6debeea81cdf81b">A$36.6 billion a year</a>.</p> <p>This waste occurs right across the supply chain, including primary production, manufacturing, distribution, retail and hospitality. However, households produce more than half of the waste, at an average cost per household of A$2,000 to $2,500 a year.</p> <p> </p> <p>In 2017, the Australian government <a href="https://www.dcceew.gov.au/environment/protection/waste/food-waste?state=tas#national-food-waste-strategy">pledged to halve food waste</a> by 2030 when it launched the <a href="https://www.dcceew.gov.au/environment/protection/waste/publications/national-food-waste-strategy">National Food Waste Strategy</a>.</p> <p>This is a complex issue, but one simple solution could be to follow the UK and remove “best before” dates.</p> <h2>How will you know if food is still safe?</h2> <p>Our labelling system is fairly straightforward, but many consumers don’t understand the difference between “best before” and “use by”. This confusion leads them to throw away tonnes of food that’s still suitable for eating.</p> <p>In Australia, the regulatory authority <a href="https://www.foodstandards.gov.au/consumer/labelling/dates/Pages/default.aspx">Food Standards</a> provides guidance for manufacturers, retailers and consumers on using dates on product labels. These dates indicate how long food products can be sold, and kept, before they deteriorate or become unsafe to eat.</p> <p>Food with a “best before” date can be legally sold and consumed after that date. These products should be safe, but may have lost some of their quality.</p> <p>Products past their “use by date” are considered not safe.</p> <p>The food supplier is responsible for placing date labels on the product.</p> <p>Differences in packaging and date labelling can be subtle. For example, lettuce sold loose or in an open plastic sleeve does not have a “best before” date. The same lettuce packaged in a sealed bag does.</p> <p>Bread is the only fresh food that uses a different system with “baked on” or “baked for” date labels.</p> <p>Some foods, such as canned goods and food with a shelf life of two years or more, don’t have to be labelled with “best before” dates because they usually retain their quality for many years. They are typically eaten well before they deteriorate.</p> <p>Food producers and retailers are keen to keep the labelling status quo, because it makes it easier to <a href="https://www.vox.com/22559293/food-waste-expiration-label-best-before">manage stock</a> and <a href="https://journals.sagepub.com/doi/full/10.1509/jppm.14.095">encourages turnover</a>.</p> <h2>The case for packaging</h2> <p>Some packaging is used to separate branded products such as fruit varieties protected by <a href="https://theconversation.com/the-case-of-the-pirated-blueberries-courts-flex-new-muscle-to-protect-plant-breeders-intellectual-property-126763">plant breeders’ rights</a>, organic products and imperfect vegetable ranges. Once packaged, these products require a “best before” date.</p> <p>Plastic packaging can greatly increase the shelf life of some vegetables. In these cases, it effectively reduces food waste. A striking example is cucumbers. Plastic wrap can extend their shelf life from a <a href="https://theconversation.com/why-some-plastic-packaging-is-necessary-to-prevent-food-waste-and-protect-the-environment-117479">few days to two weeks</a>.</p> <p>Vegetables such as broccoli and cauliflower contain beneficial anti-cancer compounds called <a href="https://www.frontiersin.org/articles/10.3389/fnut.2016.00024/full">glucosinolates</a>. Plastic packaging that seals in <a href="https://www.food-safety.com/articles/1324-naturally-preserving-food-with-gases">specialty gas</a> preserves these longer. However, overcooking quickly erases this packaging benefit.</p> <figure class="align-center "></figure> <h2>Dead or alive?</h2> <p>The chemistry of a fruit or vegetable starts changing the moment it is picked. Some types of produce, such as bananas and pears, are picked early so they ripen in the shop and at home. Other produce, such as sweet corn and peas, rapidly decline in the quality and quantity of flavours and nutrients once they’re picked. Snap freezing is an excellent way to preserve this produce.</p> <p>Fresh fruits and vegetables are still alive. Their cells remain full of chemical reactions and enzymatic activity.</p> <p>This is why a cut apple turns brown. It’s also why ethylene gas released from bananas and other fruits can shorten the life of their neighbours in the fruit bowl.</p> <p>Potatoes, one of the most wasted products, are sold with “best before” dates when packaged in plastic bags. But if stored correctly in low light and in a “breathable” bag (paper or hessian), potatoes stay “alive” and edible for months. Just make sure you cut away any green parts, which <a href="https://theconversation.com/can-you-really-be-poisoned-by-green-or-sprouting-potatoes-63437">contain toxic solanine</a>.</p> <p>As well as fresh produce’s own cellular activity, there is microbial activity in the form of bacteria and fungi.</p> <p>Fortunately, we come equipped with a number of evolved chemical sensors. We can <a href="https://theconversation.com/how-to-avoid-food-borne-illness-a-nutritionist-explains-153185">feel, see, sniff and taste</a> the state of fruits, vegetables and other products. Trust (and train) your instincts.</p> <h2>Questions to ask yourself</h2> <p>To reduce food waste, we need a combination of approaches, including appropriate packaging, sensible labelling and consumer awareness.</p> <p>Ideally, the <a href="https://www.foodstandards.gov.au/code/pages/default.aspx">Australian and New Zealand Food Standards Code</a> would be updated to reflect a more nuanced view of packaged fresh foods.</p> <p>In the short term, consumer awareness and buying power are the best drivers of change. Ask yourself questions like:</p> <ul> <li> <p>Do I need a packaged product?</p> </li> <li> <p>Does the packaging enhance shelf life?</p> </li> <li> <p>Would I buy less if it wasn’t packaged?</p> </li> </ul> <p>Thinking about these questions will help us reduce the impacts of food waste.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/189686/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/louise-grimmer-212082">Louise Grimmer</a>, Senior Lecturer in Retail Marketing, <em><a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em> and <a href="https://theconversation.com/profiles/nathan-kilah-599082">Nathan Kilah</a>, Senior Lecturer in Chemistry, <em><a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>This article is republished from <a href="https://theconversation.com">The Conversation.</a> Read the <a href="https://theconversation.com/why-best-before-food-labelling-is-not-best-for-the-planet-or-your-budget-189686">original article</a>.</p> <p><em>Images: Getty</em></p>

Food & Wine

Budget-friendly date ideas

<p>Are you having to dig a little too deep into your wallet for date night? Dates don’t have to cost a fortune! In fact you can have a romantic outing for next to nothing. Whether you’re looking for an idea to impress or have been married for years, this list of budget friendly date ideas will guarantee you have a great time without breaking the bank.</p> <p><strong>Pack a picnic</strong></p> <p>Instead of dining out at a pricy restaurant, pack a picnic basket with your favourite snacks and dine out on a blanket instead. Parks, botanical gardens, beaches, or any waterside location make an ideal setting for an afternoon of enjoying cheese, crackers and wine. Stay and watch the sunset or venture out on a night picnic and stargaze. </p> <p>If you’re time-crunched, there is always the options of ordering a readymade picnic hamper online such as:</p> <p><a href="http://www.rhcl.com.au/the-cheese-room/corporate-cheese-platters" target="_blank" rel="noopener"><span style="text-decoration: underline;"><strong>Richmond Hill café & larder</strong></span></a> have a great range of hampers and fresh basked treats to send Australia wide. Cheese hampers are $35 and picnic boxes starts from $45. </p> <p><strong>Great outdoors</strong></p> <p>Australia boasts some great trails so why not spend the day exploring what our beautiful bushlands have to offer and go for a walk or hike. Not only will you get a bit of exercise, it’s a great time to have a nice long chat with your significant other without the usual distractions of public places.</p> <p><strong>Healthy competition</strong></p> <p>A bit of friendly competition on the sporting field always brings the excitement levels up a notch. Whether it be tennis, squash or bowls many places let you rent our courts and equipment for a minimal fee.</p> <p><strong>Local markets</strong></p> <p>There are hundreds of markets all around Australia selling all sorts of things whether it’s seasonal produce, handmade crafts or antiques. You can spend hours just browsing the many stores and if you find something special, market prices are usually cheap.</p> <p><strong>Game night</strong></p> <p>Take a leaf out of your childhood and host a board game night. Invited other couples or friends along to battle it out over Articulate, Pictionary or Trivial Pursuit just to name a few.</p> <p><strong>Cultural outing</strong></p> <p>If you are (or want to be) a history buff or art connoisseur, check out your local museums and art gallery. Most have free admission and it’s perfect for any rainy days.</p> <p><strong>Trivia night</strong></p> <p>If you are looking to flex your brain muscles or maybe impress a special someone with your smarts, take them to your local pub’s trivia night. They are often free and have many great prizes on offer. Plus, you’ll most likely learn some new trivia along the way. </p> <p><strong>Beach day</strong></p> <p>What is better on a scorching day than heading to the beach to dip in the water or leisurely sunbake on the sun? With some of the most enviable beaches in Au</p>

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Five tips for developing and managing your budget – even in tough economic times

The cheapest places to travel in 2024

Give the gift of luxury on any budget

What is ‘budget Ozempic’ that’s all over social media? Can it help me lose weight?

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

Common credit card mistakes to avoid

9 cost-effective ways to warm your home this winter

Coronation Quiche anyone? You’ll need to fork out A$38. Here are cheaper and healthier options

Tips for eating a healthy diet on a tight budget

8 ways to stretch your cruise budget

3 budget-friendly overseas holidays destinations

5 super simple ways to save cash for retirement

Tips for travelling on a budget

6 simple steps to make your travel budget go further

13 budget beauty tricks

Aussie mum's thrifty Kmart renovation hack

Seven simple ways to save money now!

Tips for designing a garden on a budget

Why ‘best before’ food labelling is not best for the planet or your budget

Budget-friendly date ideas

News

Shop

Catalogues

Travel

Health

Lifestyle

Finance

Entertainment

Property

Information

Keep up to date

Search

Five tips for developing and managing your budget – even in tough economic times

The cheapest places to travel in 2024

Give the gift of luxury on any budget

What is ‘budget Ozempic’ that’s all over social media? Can it help me lose weight?

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

Common credit card mistakes to avoid

9 cost-effective ways to warm your home this winter

Coronation Quiche anyone? You’ll need to fork out A$38. Here are cheaper and healthier options

Tips for eating a healthy diet on a tight budget

8 ways to stretch your cruise budget

3 budget-friendly overseas holidays destinations

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