This Mum Likes Finance

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

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

Feel free to send me a virtual star ⭐️

04/09/2026

🧾 Centrelink support for stay-at-home parents (2026)

👶 Parenting Payment

Main income support for primary carers of young children.

• Child under 14 (single) or under 6 (partnered)
• Income and asset tested, paid fortnightly
• May include Rent or Energy Supplements
• Activity requirements apply as children get older (6 usually)

👨‍👩‍👧 Family Tax Benefit (FTB)

• Part A: Paid per child to help with everyday costs
• Part B: Extra support for single parents or single-income families

🍼 Parental Leave Pay (if eligible)

• For parents who worked before birth or adoption
• Temporary income while caring for a newborn, up to 26 weeks by July 2026

🎁 Newborn payments

• If Parental Leave Pay is not available
• Includes upfront and short-term supplements for baby expenses

🧸 Child Care Subsidy (CCS)

• Reduces childcare fees
• 2026 “3 Day Guarantee”: minimum 3 subsidised days per week, no work or study required
• Up to 100 hours per fortnight for families meeting activity requirements

🏠 Extra support (if eligible)

• Rent Assistance, Energy Supplement, pharmaceutical and education allowances
• Regional or remote support

🧑‍⚕️ Carer payments

• For children with disability or medical needs

⚠️ Key 2026 rules

• Most payments are income and asset tested
• Residency requirements apply
• Payments can be combined depending on eligibility

These payments and subsidies together help stay-at-home parents manage living costs, support child development, and access essential services for their family.

3DayGuarantee FamilyTaxBenefit ParentingPayment NewbornSupport ParentalLeavePay ChildCareSupport AustralianParents GovernmentSupport ParentLife KidsAndFamily FamilyAllowance ChildcareAustralia FamilyFinance Parenting2026 SupportForParents

04/09/2026

🚨 You can get up to $5,000 in Australia with $0 interest and $0 fees — and most people have no idea it exists.

It’s called No Interest Loans (NILs), delivered by Good Shepherd Australia New Zealand — a long-running, government-supported program designed to help people on low incomes avoid debt traps.

Here’s how it actually works:

💰 Loan amounts
• Up to $2,000 for essentials (fridge, washing machine, car repairs, medical, education)
• Up to $3,000 for rental bonds or natural disaster recovery
• Up to $5,000 for an essential vehicle (eligibility applies)

📌 What you’ll NEVER pay
• No interest
• No fees
• No charges — ever

You only repay what you borrow.

📊 Repayments
They’re set to be affordable based on your situation — often around $30–$40 per fortnight.

👥 Who it’s for
• People earning under approx. $70K (single) or $100K (families)
• Or receiving Centrelink payments
• Must be used for essential goods and services — not cash, bills, or existing debts

⚠️ This isn’t a payday loan.
It’s designed to keep you out of financial stress — not profit from it.

Thousands of Australians use this every year… but most people have never heard of it.

If cost of living is hitting hard, this is something worth knowing.



Not sponsored.

If you keep going over your budget, maybe it’s time to change the budget — not beat yourself up. 🥹🫶🏻Sometimes we create ...
04/09/2026

If you keep going over your budget, maybe it’s time to change the budget — not beat yourself up. 🥹🫶🏻

Sometimes we create a budget based on what we think we should be spending, instead of what we realistically spend. Then the month comes along, the numbers don’t match, and suddenly we feel like we’ve “failed” at budgeting. 🥺💭

But here’s the thing… your budget is a tool, not a test. 🧸✨

If you’re constantly spending more on groceries, give yourself a little more room. 🛒🌷

If transport costs are always higher, adjust that category. 🚗💗

If you enjoy your little coffees or dinners out, budget for them! ☕️🍓

And if unexpected expenses keep popping up, leave yourself a little cushion. 🐰💰

Your budget should fit your actual life — not some perfect imaginary version of it. 🎀🏡

And remember: adjusting your budget doesn’t mean you’re bad with money. 🌸 It means you’re paying attention, learning from your spending, and making a plan that actually works for you. 🥰📖✨

Think of budgeting as:

🌷 Track your spending
🎀 Notice what isn’t working
🧸 Adjust your numbers
✨ Try again
💗 Keep moving toward your goals

You don’t need a perfect budget. You need a realistic one that supports your life and your goals. 🫶🏻🌸

So if you keep going over budget every month… maybe you don’t need more discipline.

Maybe you just need a more realistic budget. 💕💸🎀

And that’s totally okay. 🥹🌷✨

Link to my expense and budget tracker in the comments below.

Link to the calculator in the comments below! 💕
02/09/2026

Link to the calculator in the comments below! 💕

Need some help with tracking your net worth and expenses? Check out the available workbooks in the comments below. 💕
02/09/2026

Need some help with tracking your net worth and expenses?

Check out the available workbooks in the comments below. 💕

01/09/2026

I saved $110 by baking my daughter’s 2nd birthday cake myself — and I’d do it all over again 💕

The bakery quotes come in way higher than than my budget, and I just couldn’t justify spending that much for a cake she’d only take a few bites of. So I decided to make it myself — and it ended up being one of the most meaningful parts of her fairy-themed birthday.

Not only did I keep an extra $110 in my pocket, but I also poured so much love into celebrating her. There’s something really special about staying up a little later, doing it yourself, and knowing you created that moment for your baby.

It reminded me that birthdays don’t have to be over-the-top expensive to be magical. Sometimes choosing intention over convenience is the real win.

Budget win. Memory made. Mum heart full. ✨🧚‍♀️

kids birthday mum dad children toddler bakes

How would you spend $120k income a year? 💕 This is what I would do.Not financial advice.
01/09/2026

How would you spend $120k income a year? 💕

This is what I would do.

Not financial advice.

Can you afford to have a baby AND a mortgage? 💕Swipe to see 👉
01/09/2026

Can you afford to have a baby AND a mortgage? 💕

Swipe to see 👉

There is still time….💕
30/08/2026

There is still time….💕

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Sydney, NSW

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