Mother’s Day is the perfect opportunity to show your Mum how much you love and appreciate her, but sometimes it can be difficult to find the perfect gift - especially if you have a Mum with everything!

Chocolates, flowers, perfume and toiletries are all old hat and have been done by everyone again and again, every year. If you have run out of Mother’s Day gift ideas and are looking for something unusual in the nicest possible way, why not try one of our gift ideas with a financial twist?

Donate to your Mum’s favourite charity

This is a gift that will make your Mum feel good about themselves and will also help other people less fortunate than your family or animals that need our help (depending on the charity you select). If you aren’t sure of your Mum’s favourite charity, then simply pick one that you feel she would like to support and donate in her name. You can then pop the receipt inside your Mother’s Day Card for an extra special surprise!

Donate to your Mum’s holiday fund

If you know that your Mum has been trying to save for a specific trip, why not add to her pot of money with a few additional dollars or a gift card (whichever is appropriate). The best way to make this look like a gift rather than money slipped into an envelope is to put together a ‘mood’ board with pictures of her much-anticipated destination, local recipes and images of the local cuisine and even ideas for tourist trips in the area. You can then tack your gift card or dollar donation to the board, so she sees it when it is unwrapped.

Start your Mum’s very own investment portfolio

This is the gift that can lead your Mum down the path of managing her own investment portfolio, which would be a huge plus for the family! If you are unsure of how to buy shares in your Mum’s favourite company or store, the easy way is to buy a gift card for the shares! Who knew that in this day and age, you can actually buy a gift card for shares, but you can and it’s as simple as 1-2-3. All you need to do is Google ‘gift cards for shares’, select a website and follow their easy steps. A quick Google search found stake.com.au, but there are plenty of other online sites that sell this type of gift card.

Pay a few of your Mum’s bills

Depending on both your own and your Mum’s financial circumstances, you might find that paying one or more of her bills this month is the perfection solution to your gift dilemma. Freeing up your Mum’s money from having to pay a big bill and worrying about how she is going to pay it, might mean a lot more to her than receiving a box of chocolates!

Treat your Mum to a financial planner!

Why not set up an appointment with a financial planner for your Mum as a gift for Mother’s Day this year? Of course, this depends on your Mum’s financial needs, but even if she has trouble paying the bills and is nowhere near needing an investment portfolio, a financial advisor can help her manage her budget and get ahead.

I love helping Mums achieve their financial independence, give me a call on 07 3356 6929   or book an appointment via This email address is being protected from spambots. You need JavaScript enabled to view it. for your Mum today.

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With the popularity of the internet, our lives are continually inundated with social media - Facebook, Instagram and Twitter are good examples, and people are now more than ever comparing themselves to others. Envy of another’s money, position, job, relationships and even heritage are not new, but when this feeling begins to influence your life, financial ruin can be just a step away.

Negative effects of comparing yourself with others

When your neighbour paints their roof, builds a new pergola or fully renovates their home, do you rush to the bank to increase your mortgage to do the same? If your BFF buys a new outfit every week and goes on weekend trips and long overseas holidays, do you rush out and put that Bali holiday you can’t afford on your credit card?

What if your work college pulls up in the latest model fast car on the market, do you race to the showrooms and take on another loan you can’t afford, just to be one of the guys? Heaven’s above if your favourite celeb has a new hair-do, has just released a new perfume or was just seen with a wonderful designer handbag on Instagram!

Spending your hard-earned money and even borrowing money just to ‘keep up with the Joneses’ and – shock horror – to keep up with your favourite celebs, is a recipe for disaster. It doesn’t matter how much money you have, there will always be someone who has more of something than you.  They will wear more expensive designer clothes, buy better houses, go on better holidays and drive more expensive cars.

Not keeping on top of your finances and getting yourself deeper in debt, simply to impress others, is not a good strategy for building yourself a sound financial future.

Positive effects of comparing yourself with others

On the other hand, if you use what you learn about others to better yourself and your circumstances, then you are on your way to success in so many different ways. If your friend on Facebook has posted pictures of her latest holiday, instead of going into debt to book your own lavish holiday, why not think about how she affords her lifestyle?

Does your friend have a high-paying job, earned through hard worked combined with a good education or does she go into debt to fund her lifestyle?  What is really important to you? What makes you happy? How do you really measure success anyway?

When you compare yourself to others and find yourself lacking, one of the best actions you can take is to use that feeling of envy and inadequacy to propel yourself further towards your own goals. Some of the most successful people in the world have dug deep to identify what really makes them happy and then pulled out all the stops to achieve this happiness.

Money doesn’t always bring happiness and money envy can, in the end, negatively impact your life and your financial future. Why try to live like someone else when with a little inward reflection, you can discover what truly makes you happy?

If your spending is getting out of control and you need help reigning in your budget, give Amanda McCall a call on 07 3356 6926 or book an appointment via email.




Blended families are no longer a rare occurrence with lots of people remarrying in Australia. A characteristic of these blended families is that they can have lots of children at different ages with even more added over time! Bringing all these young adults, teenagers and children together in one household can be a monumental task, creating financial chaos, even in the best of times.

Managing money in blended families can take a lot of juggling, particularly if you have school fees, teenagers wanting their own cars, mobile phones and a plethora of other family expenses.

It is not just the day to day costs but what if the unthinkable happens and one partner passes away for example.  If you haven’t discussed this and put your wishes in place, this can create an absolute nightmare for those left behind. 

The best strategy is to be honest and broach the subject of money head-on, and don’t avoid it and hope it will all go away.

Honesty is the best policy

In a new marriage with a blended family, discussing your financial commitments and on-going budget is just about essential to a happy marriage. These discussions have to include ‘maintenance’ obligations for both a previous spouse and children from the prior marriage (or marriages), as well as any unwritten obligations to help pay school fees, private education, holidays etc.

Previous and ongoing debts must also be acknowledged and a plan put in place to pay them off as quickly as possible. Another discussion that is very important is how each of you deals with money – do you like to save or spend? If one of you is a serious spender and can’t keep a dollar in their pocket, you may well struggle to keep a handle on your finances without a solid plan in place.

Older children also need to be brought into the discussion, understanding that whilst you will do your best to give them everything they need, everyone must stick to the family budget, which can only stretch so far. Having to support a large blended family and even a previous partner and children can be a huge drain on a family, so everyone pulling together is essential.

Set up a Will just in case

With blended families, it is crucial to have the discussion about money and ‘what if’ especially when there are children involved.  If you don’t take steps to separate matters of money and guardianship in your estate plan, your kids and assets can become a mind field as to who gets what.  This is just one example.  In the unlikely event that you do lose a partner, you do not want to be having these stressful things to deal with on top of grieving.

If you are having difficulty organising your budget or Will for your new blended family, asking for the help of a financial planner can be a very workable solution. Why not give me (Amanda McCall) a call on 07 3356 6926 or send an This email address is being protected from spambots. You need JavaScript enabled to view it.

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There was a time when Australians bought a family home and used the capital gains to set themselves up for their retirement. People didn’t borrow to fund their lifestyle, instead they lived within their means and looked forward to a nice nest egg later in life. Even better, they made sure to leave their kids a little inheritance to help them get ahead later in life.

Now however, due to escalating property prices, young people have problems getting a foot on the property ladder. They can’t even look forward to an inheritance because their parents are jaunting off around the world and spending all their money!

Young people are drowning in debt

Saving a deposit for a home can be a monumental task for many young people, who often must rely on their parents to help out. The problems don’t stop there however, because with the rising costs of property across Australia and low interest rates, young people are taking on massive mortgages with monumental repayments each month.

When interest rates increase, as they will over time, the younger generation are going to find themselves in serious financial strife and unable to pay their mortgages. Even more problematical is when they dip into their equity to fund new cars, boats and holidays, increasing a debt that is already putting them in financial trouble.

The bigger the debt, the less likely it will be paid off by the time they retire and the more likely they will default as the interest rates rise. Of course, we know that many young people can’t afford to climb the property ladder, which means that they won’t be able to benefit from capital gains in their retirement. Faced with far bigger mortgages than their parents and with wages not keeping track with these increases, home ownership seems a long-lost dream for many young Australians.

The writing is on the wall - many of the younger generation will find that renting becomes a lifelong commitment, something that they will have to continue right into their retirement. All of this means that the wealth gap between retirees and our younger generations continues to grow with even the baby boomers finding that their long-awaited inheritance is now a distant dream.

Closing the wealth gap and empowering young Australians

One of the solutions for young people to secure a better financial future for themselves is to talk to an expert in financial planning. Unfortunately, many young people don’t even think about their retirement at their age, let alone start planning for it!

Financial planning isn’t all about securing your retirement however, it can also help you to manage your budget, save for a deposit on a home and help you to manage your expenses effectively so that you don’t get deeper in debt. If you have a string of credit card debts or personal loans, a financial planner can help you to clear these debts and start saving for your own home or another financial goal. You might be surprised at how little time it can take to organise your finances, once you have the right advice.

Why not give Amanda McCall a call on 07 3356 6926 or book an appointment via email and start saving for your future today?

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Nowadays, there seems to be an app for everything and many of us take advantage of these apps to monitor our fitness and health. Apps however, can also be used to help monitor your financial health as well, so here are six of the most popular, easy to use and free apps available on the market that are good for both Android and iOS devices.

  1. Pocketbook: This Australian budgeting app allows you to track your expenses and calculate how much you spend each month. You can even set limits to your spending and connect the app to your online bank accounts, automatically tracking your income versus your spending.
  2. TrackMySpend: This app is fairly basic and easy to use and lets you set up categories for your spending, so you can see where most of your money is spent. You can set categories for regular expenses, groceries, clothes, fuel etc., all of which helps you to keep an eye on your budget. You can also download this data to a spreadsheet or accounting software, making it a very versatile app indeed.
  3. Good Budget: If you still yearn for the days of saving money in different envelopes to help organise your budget, then this might be the app for you! You can create lots of different categories or ‘envelopes’ to track your spending, even syncing with your partner’s app to give you a complete view of your family’s spending.
  4. YNAB: The latest version of this app can now sync with your online bank accounts, as well as your credit card accounts, downloading all your transactions into the app for a complete picture of your spending each month. This helps you to keep track of your budget and you can even split transactions into different categories, which is a great bonus!
  5. Mvelopes: Another app that uses the old envelope strategy of budgeting, Mvelopes also syncs with your bank and credit card accounts, helping you to manage your monthly budget. You can split your transactions into different categories, schedule regular payments and reallocate funds if a transaction puts you over-budget in one or more categories.
  6. Wally: This is another basic app that lets you keep track of your spending with minimal details, giving you a pie chart with colour coded expense categories. You can track all your expenses and incomes, geotag purchases and export your data to a spreadsheet or accounting software.

There are other apps available, so it might take you some time to find one that suits your needs. Depending on how well you understand apps, some people will find one or more of these easier to use than others, as well as preferring one because it has all the features they need.

The essential feature of all these apps is that they let you keep a running total of your spending on-the-go, so you know before you make a purchase whether or not you have the funds in your budget to pay for it. This can be enormously helpful for many of us who have problems keeping track of our spending, only finding out at the end of the month that we are in trouble!

If you want help managing your family’s monthly budget, call me (Amanda McCall) on 07 3356 6926 or send me an This email address is being protected from spambots. You need JavaScript enabled to view it. to make an appointment.

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