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
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
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
Family & Money
What Kids' Activities Really Cost in Australia (and How to Save)
How much Australian families actually pay for swimming, sport, music and tutoring each year — and seven practical ways to cut the bill without cutting the fun.
3 min read
Money Mindset
Lifestyle Creep: Why Your Pay Rise Doesn't Feel Like More Money
Ever wonder why a bigger salary still leaves you counting down to payday? Lifestyle creep is the quiet culprit. Here's how to spot it — and gently reverse it.
4 min read