Tax
How Australian Tax Brackets Work (and Why a Pay Rise Won't Cost You)
Confused by Australian tax brackets? Ava explains marginal vs effective tax rates in plain English — and why earning more never leaves you worse off.
5 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
Family & Money
Private vs Public School in Australia: What It Really Costs
Government, Catholic or independent? What 13 years of school really costs Australian families in 2026, and how to decide without the stress.
4 min read
Property
Lenders Mortgage Insurance (LMI): Do You Really Need a 20% Deposit?
What lenders mortgage insurance actually is, how much it costs, and whether paying it now beats waiting years to save a 20% deposit.
3 min read
Superannuation
First Home Super Saver (FHSS): Save a Home Deposit in Your Super
The First Home Super Saver (FHSS) scheme lets first home buyers save a deposit inside their super and pay less tax. Here's how it works, who it suits, and the numbers.
4 min read
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
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