Money & tax, made simple
Money & tax, made simple
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.
Better families. Brighter tomorrows.
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Ava's complete guides — the big picture on each topic, with links to every detailed article.
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Who pays tax on joint bank account interest in Australia? Ava explains ownership, equal shares, both partners' TFNs, withholding and checking pre-filled income.
Negative gearing explained in plain English — how rental losses reduce your tax bill, the 2026 Budget changes, and a worked example with real AUD figures.
What foreign income Australian tax residents must declare, how the foreign income tax offset stops double tax, and the records to keep.
A real breakdown of what a week-long family holiday costs in Australia, plus a simple sinking-fund plan to save for it without debt.
Off-the-plan can look like an easy way into property, but it comes with real risks. Here's what to check before you sign, from deposit size to sunset clauses.
A plain-English guide to capital gains tax (CGT) in Australia — what it is, how the 50% discount works, and how much you might pay when you sell shares or ETFs.