Family & Money
How the Child Care Subsidy (CCS) Works: A Parent's Guide
A plain-English guide to Australia's Child Care Subsidy — how much you get, the income test, activity test, and what changed in the 2026 financial year.
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
Property
What Is an Offset Account and How Much Could It Save Your Family?
An offset account can save your family tens of thousands in mortgage interest without changing your budget. Learn how it works and whether it's right for you.
4 min read
Tax
July 1 Is Here: 5 Smart Money Moves for the New Financial Year
Five practical money moves for Australian families at the start of the new financial year — tax withholding, super boosts, family benefits, and receipt habits that pay off later.
4 min read
Family & Money
What It Really Costs to Raise a Child in Australia (2026)
A real-world breakdown of what it costs to raise a kid in Australia — from nappies to school fees — with practical ways to make it work on any budget.
4 min read
Property
Buying Your First Home? Don't Forget These 5 Costs
The deposit is just the start. Here's what stamp duty, LMI, conveyancing, inspections, and moving costs actually add up to for first home buyers in Australia.
5 min read
Investing
What Is an ETF? A Simple Guide for First-Time Investors
A plain-English guide to ETFs for Australian beginners — how they work, why they're popular, and how to start investing with as little as $500.
5 min read