Budgeting & Saving
How to Audit Your Subscriptions and Save Hundreds a Year
A CPA mum's simple step-by-step guide to finding forgotten subscriptions, cutting what you don't use, and freeing up hundreds for your family budget.
6 min read
Money & tax, made simple
Smart money & tax, made simple for everyday Australians.
Ava is a CPA and mum who makes money and tax simple for everyday Australians. Practical, jargon-free guidance on tax, super, investing and everyday money decisions.
Latest articles
Property
Should You Refinance Your Home Loan? A Simple Australian Guide
A plain-English look at when refinancing your home loan is worth it — and how to tell if switching lenders will actually save your family money.
4 min read
Investing
Dollar-Cost Averaging Explained: Why Small, Regular Investing Wins
A plain-English look at dollar-cost averaging: why investing small amounts on a regular schedule beats trying to time the market.
5 min read
Budgeting & Saving
The Second-Hand Secret: How I Save Thousands on Kids' Stuff
Kids outgrow everything in months. Here's how buying second-hand clothes, prams, cots and toys can save your family thousands a year — and what to always buy new.
4 min read
Money Mindset
The Sunk Cost Trap: How to Stop Throwing Good Money After Bad
A plain-English guide to the sunk cost fallacy — why 'I've already paid for it' keeps Australian families spending more, and how to finally let go.
4 min read
Superannuation
How Much Super Do I Need to Retire in Australia?
How much super do you actually need to retire in Australia? A plain-English guide to ASFA's comfortable and modest retirement figures, with real numbers.
5 min read