This Mum Likes Finance

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

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

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18/07/2026

🥶❄️ Stay warm this winter without blowing your budget! 🏡💰

As the weather gets colder, it’s easy to see your energy bills rise—but a few simple changes can help you stay cosy while keeping more money in your pocket. ❤️🔥

💡 Did you know? Many households could save $200+ a year by comparing their electricity or gas plan through the Australian Government’s Energy Made Easy website. It’s a free, independent comparison tool that helps you find a better energy deal.

If you live in NSW, don’t forget to check the Service NSW Savings Finder to see if you’re eligible for energy rebates, vouchers and other cost-of-living support that could help reduce your household expenses.

Here are some easy ways to save energy and stay warm:
🧥 Dress in warm layers before turning up the heater.
🌡️ Set your heater between 18–20°C for comfort and efficiency.
🚪 Seal gaps around doors and windows to stop warm air escaping.
🪟 Open curtains during sunny days to let natural warmth in, then close them at dusk to help keep the heat inside.
🏠 Heat the rooms you’re using instead of the whole house.
🔌 Turn appliances off at the wall when they’re not in use.
⚡ Compare your electricity or gas plan regularly using Energy Made Easy—switching to a better offer could save you more than $200 each year.

✨ A few small changes can make a big difference to your comfort, your energy bills and your household budget this winter.

Stay warm, save money and make every dollar count! ❤️❄️

EnergySavings CostOfLiving StayWarm WinterTips NSW

Not sponsored.

11/07/2026

🇦🇺📉 Australia’s declining birth rate is often discussed as an economic issue, but for many families, it’s deeply personal.

As a solo parent to a beautiful 2-year-old 👶💛, I’ve found myself thinking a lot about what these statistics actually mean. I always imagined having more than one child. I wanted my little one to have a sibling 👧👦, someone to grow up with, share milestones with, and support each other through life’s ups and downs.

I didn’t just think about it—I tried. 💔 Unfortunately, things didn’t work out the way I had hoped. Coming to terms with that has been incredibly difficult, especially when having another child was something I truly wanted for both myself and my little one.

At the same time, like many parents, especially those raising children on their own 🙋‍♀️, the realities of life can make family planning even more complicated.

🏠 Housing costs continue to rise.
🛒 Groceries cost more than ever.
👶 Childcare is expensive.
⚡ Bills keep increasing.
💼 Balancing work, parenting, and financial security can feel overwhelming.

When experts talk about Australia’s falling birth rate, they often focus on an ageing population 👵👴, workforce shortages 👷‍♀️👨‍⚕️, and economic impacts 📊. But behind every statistic is a real person with hopes, plans, and sometimes heartbreak.

For some people, having fewer children is a choice. For others, it’s not. Sometimes circumstances, relationships, fertility challenges, timing, finances, or life itself get in the way of the family you imagined. 💭

The truth is that many Australians would love to have another child but face barriers that make it difficult—or impossible. That’s a reality that often gets lost in discussions about birth rates and population growth.

💛 A declining birth rate isn’t just about numbers. It’s about the people behind those numbers, the dreams that changed, and the families that look different from what was originally planned.

To anyone carrying a similar disappointment, whether quietly or openly, I see you. 🤍

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