Why a Tight Budget Might Make You a Better Mother

Why a Tight Budget Might Make You a Better Mother

Motherhood is a journey filled with joy, love, and countless challenges. One thing that can add an extra layer of difficulty is navigating motherhood on a tight budget. While a bank account less than “loaded” may initially seem like a hindrance, it might actually shape you into a better mother.

So, embrace your financial circumstances and discover the hidden advantages they bring!

Cultivating Resourcefulness:

 A tight budget encourages you to become resourceful, finding creative ways to meet your family’s needs. As a mother, this resourcefulness translates into clever solutions and a knack for stretching every dollar. You learn to make the most of what you have, finding alternative options and DIY solutions that not only save money but also boost your children’s creativity and problem-solving skills. Being resourceful teaches your children valuable life lessons and creates a sense of resilience.

Teaching Financial Responsibility:

Navigating motherhood on a tight budget provides an opportunity to teach your children about financial responsibility from an early age.

Instead of saying a firm NO to their requests, you make conscious choices, prioritise spending, and involve them in budgeting discussions.  In doing this, you teach lessons about money management and the importance of making informed financial decisions. By showing them how to live within means, save for the future, and distinguish between wants and needs, you equip them with essential skills that will serve them well throughout their lives.

Fostering Gratitude and Appreciation:

A tight budget allows you to instill a sense of gratitude and appreciation in your children. By consciously making choices and sacrifices, they learn to value what they have and express gratitude for the simple pleasures in life.

Teaching your children to appreciate experiences, togetherness, and acts of kindness rather than material possessions helps them cultivate a lasting happiness that isn’t dependent on “things”.

This mindset creates a strong foundation for their overall well-being and shapes them into compassionate individuals.

Building Strong Family Bonds:

On a budget, you discover that quality time and shared experiences matter more than material possessions. You create opportunities for family bonding that may have been overlooked with a larger budget. Whether it’s cooking together, engaging in outdoor activities, or having game nights, these shared moments become cherished memories that strengthen the bonds within your family. Motherhood on a budget allows you to focus on what truly matters: love, connection, and the joy of being together.

Nurturing Determination:

Navigating financial constraints requires determination and grit, qualities that you naturally develop as a mother.

You face challenges head-on, finding creative ways to overcome obstacles and provide for your family.

Through your example, you show your children the values of perseverance, adaptability, and hard work. They witness firsthand how you handle difficult situations and learn that setbacks are temporary roadblocks that can be overcome with resilience and determination.
(even if you do breakdown in the shower on occasion when it all gets too hard   )

Motherhood on a tight budget is a journey that molds you into a better person, despite its initial challenges. Through resourcefulness, financial responsibility, gratitude, strong family bonds, resilience, and a downright dogged determination to succeed, you create a nurturing environment that prepares your children for a well-rounded and fulfilling life.

Embrace your financial circumstances, for they have the power to shape you and your children in beautiful ways.

Remember, it’s not the size of your budget but the love, care, and values you impart that make you an exceptional mother.



Finding Balance:  Wealth and Money – An Important Piece, Yet Not Everything

Finding Balance: Wealth and Money – An Important Piece, Yet Not Everything

I would not be able to have a blog about creating a Rich Life without tackling the subject of actual money.

Of course, there IS more to a rich balanced life than chasing the almighty dollar, but no-one can argue that having at least a comfortable amount of money is far better than having no money.

In a world that often measures success with financial wealth, it is easy to fall into the trap of believing that money is the goal of a rich life. Indeed, money in the bank can provide us with a sense of comfort and freedom. It enables us to meet our basic needs and indulge in experiences that bring us joy. However, true wealth extends far beyond “things”

To be truly rich, there should be abundance in all areas of our lives – our relationships, health, personal growth, spirituality as well as a bank balance. It is about living in alignment with our values, realising our passions, and contributing to the world around us.

I feel that a rich life is the result of a well-rounded life, where each part of life is nurtured and given attention.

When we focus solely on accumulating financial wealth, we risk neglecting other aspects that contribute to our overall happiness and fulfillment. Our relationships may suffer, our health may deteriorate, and our spiritual well-being may remain unfulfilled. It is essential to strike a balance between working and saving too hard and the other dimensions of our lives.

To start we need to come from a mindset of abundance. Appreciating all that we already have, practicing gratitude, and nurturing a sense of contentment allows us to shift our thoughts from scarcity to abundance. This shift can release us from the sometimes constant fear that we don’t have enough and helps us recognise the richness that we do have.

At the same time though, it is essential to develop financial literacy and responsibility. By creating a solid financial plan, setting realistic goals, and making informed decisions, we can build a foundation of financial well-being. This empowers us to make choices that align with our values, providing us with the means to support our dreams and make a positive impact on the world. Women with money do extraordinary things in this world. We tend to share our wealth with our families, our communities, and the world.

Finding balance means understanding that money is a tool to support and enhance our lives, but it should not define our worth or happiness. It is about using our resources wisely, spending on experiences that bring us joy ( without guilt please ladies), and creating meaningful connections with others.

Let us embrace the wealth segment as a valuable piece of our life balance while acknowledging that it is not the sole definition of “rich”. By nurturing all segments of our lives, and striking a balance, we can lead lives that are rich in every sense of the word.

Remember, It is NOT all about who makes the most money. It is about living YOUR best life in the style you wish to live it.

Affordable Ways to Keep Your Family Warm in Winter

Affordable Ways to Keep Your Family Warm in Winter

Winter is my favourite season. (we just bought a home in Tasmania to escape the Queensland heat) but many hate the cold and the challenges it can bring to the family budget.

Today I am here to share with you some budget-friendly ways to keep your family warm without sacrificing your finances.  With some resourcefulness and a touch of creativity, you can ensure that your family stays cosy and comfortable throughout winter, without breaking the bank.

Let’s dive in, keep warm and embrace the season without a single worry about your budget.

Layer Clothing

One of the simplest yet most effective ways to stay warm during winter is to layer your clothing. Think of it as creating a stylish outfit that also provides insulation. Start with a warm base layer, then add long-sleeved shirts, cosy sweaters, and fashionable jackets. Don’t forget to stock up on thick socks and leggings for extra warmth. Layering not only traps precious body heat but also allows you to adjust your clothing as the day unfolds, ensuring maximum comfort and style. It’s a warm winter win-win!

Use Blankets and Throws

Let’s talk about the amazing power of blankets and throws. They are your secret weapons against the winter chill. Invest in heavenly soft blankets and encourage each family member to embrace the warmth by snuggling up with their very own cosy throw. Remember, layering blankets can take you to another level of comfort and insulation. Look for affordable options at op shops, or let your creativity shine by repurposing old fabric into beautiful quilts or blankets. These cosy layers will not only keep you snug but also help you save on heating costs.

Weatherproof Windows and Doors

When it comes to staying warm, pay attention to every detail, including those sneaky drafts that try to invade homes through windows and doors. It’s time to weatherproof your space. Take a moment to apply weatherstripping around windows and doors, sealing any gaps that allow chilly air to creep inside. Even on a limited budget, you can find affordable options like adhesive foam weatherstripping or, dare I say, the ever-useful duct tape.  These small yet powerful measures will significantly reduce heat loss, making your home more energy-efficient.

Use Draft Stoppers

Arrgh!!! Drafts…  The solution to keep them at bay are draft stoppers, affectionately known as door snakes. These marvellous creations are placed at the bottom of doors, preventing the invasion of cold air.  You can find them in stores, or if you’re feeling crafty, create your own by filling a long fabric tube with rice, beans or even pool noodles, then sewing it up (decorate them to look like cute animals for kid’s rooms) and lay them at the base of exterior doors or doors leading to unheated areas, such as the garage. They act as tough barriers, ensuring that no chilly breeze dares enter your cosy home.

Insulate the Home

Now you have stopped the cold getting in, let’s talk about insulation to stop it leaking out. Proper insulation is the key to maintaining a warm and welcoming home during winter, and guess what? It doesn’t have to cost a fortune. Start by insulating the roof space, as heat tends to rise and can escape through the roof. Look for affordable materials like fibreglass batts or foam insulation to prevent heat loss and ensure your warmth stays put.  For a super budget option, look for second-hand carpet to lay over the ceiling joists inside the roof.

But don’t stop there! Insulate walls and floors using carpet, rugs, or heavy curtains that not only make a fashion statement but also act as a barrier against the cold. These budget-friendly measures will create a cocoon of warmth within your home.

Utilize Natural Sunlight

Ah, the power of sunshine! It’s time to let it in.

Open your curtains and blinds wide during the day and let the warm rays into your home. Allow its warmth to fill every corner, lighting up your rooms and naturally heating them up. Clean your windows and trim trees or bushes to maximize the sun’s entry, for a sparkling view and an extra dose of heat. When the sun lowers in the afternoon, draw the curtains and blinds shut, trapping the accumulated warmth within. It’s a simple yet effective practice that is centuries old, costs nothing, but brings a world of comfort.

Create a Cosy “Cave” Space

Imagine, creating a space within your home where warmth and love meet. Gather your family in a smaller, well-insulated “cave” room during the colder months. By focusing your warmth in a specific area, you can avoid excessive heating and create an intimate space. Surround yourselves with plush throws, soft cushions, and gentle lighting to set the cosy ambience. This designated area will become the heart of your home, a place where lives are shared, laughter happens, and a delightful warmth of a close-knit family can be fostered.  Add in snacks and hot drinks and magic memories will be created.

Utilize Heaters Sparingly.

Oh, the draw of a heater.  We once had one we affectionately called “The Sun”!! Three tall bars of heating and a fan to further push the heat out… It was great but WOW the power bill suffered…

While heaters can be your trusted companions in the hunt for warmth. Choose energy-efficient models and use them selectively in rooms that are frequently occupied, such as the living room or bedrooms for a few minutes before retiring for the night.  But remember, safety first! Follow all guidelines, keep the heaters away from flammable materials, and turn them off when not in use or when leaving the room.

Maximize Hot Water Usage

Hot water is a useful resource for warmth during the winter months.

A hot shower after work and indulging in a warm towel popped into the dryer, for just a few minutes before wrapping around yourself for instant cosiness then slipping into snuggly PJ’s for the evening can be sublime.  

Embrace the luxury of hot water bottles. Use them under throws or place under the covers a few minutes before bedtime.  Allow its heat to transform your bed into a cocoon of warmth for the night’s sleep. It’s all about finding joy in the simple pleasures.

Encourage Physical Activity

The magic of movement generates body heat and invigorates. Encourage family members to pump up the music and dance! 

Perhaps explore yoga, stretching your body and finding inner balance while generating a radiant heat from within.

Or why not do a fast-paced aerobics session, elevating your heart rate and igniting your body heat. These activities not only keep you physically active but also promote overall health and well-being, lifting your spirits during the winter season.

For some family fun, organize indoor games like treasure hunts or obstacle courses that get the whole family moving and laughing. Remember, these games are not just a means to stay warm but also a way to create memories and closeness within the family.

I hope these affordable ways to keep your family warm in winter have inspired you.  

Remember, it is possible to enjoy the season without worrying about your budget. Layer your clothing with style, wrap yourself in cosy blankets, banish the chill, bask in the sun, and create a cosy haven.

Stay warm and cosy, and remember, you have the power to RISE to Rich!

Holiday Time :)

Holiday Time :)

Any travel through this CoVid time is a challenge, but we had decided that we did need a break but we would need to stay within our home state of Queensland.  At Easter we usually are able to take the Thursday before and the Tuesday after Easter to create a nice 6 day break.

For this trip we chose Rockhampton as it had been a long time since either of us had been in the area. A quick “Google” showed lots to do and see, but on further investigation I could not find any suitable accommodation.

I knew Yeppoon is the beachside locale of Rockhampton so decided to look there… Still not a lot available but I knew Easter would be a very busy time. I finally found “Salt Yeppoon Apartments“, a newish resort right on the oceanfront. It promised that every room has an ocean view. A few clicks and we were booked in a 1 bedroom apartment for 5 nights.

You can read all about our holiday on my travel blog here

4 Simple Rules to Create a RICH Life

4 Simple Rules to Create a RICH Life

When you think of RICH does the image of money and wealth immediately spring to mind?  For most people it does, but did you know that the dictionary has many definitions of the word RICH and only one has to do with actual money.

However, by following these 3 simple rules, you can become financially rich.

Rule Number 1:  Do Not Live Above Your Means.
I think everybody knows their income should be higher than their spending to be able to achieve financial stability. Certainly, my philosophy of making my cash work hard for me has been the cornerstone of creating my “Sunshine Cash” lifestyle

Rule 2: Save Up and Invest
Again the common thinking is to save the balance between your income and outgoings and invest to create further income.  Planning income for your future self is a wise decision if you do not to be still working 9-5 well into your 80’s.

Rule 3:  Improve on Rules 1 & 2.
It is easy to plan and budget your expenses. The issue comes in the practice.  So many have the greatest intentions only to slip back to bad habits in a month or two.  It is VITALLY important to keep checking in with yourself and keep yourself on track to achieve your long term goals.

Rule 4:  Do Not Apply These Rules to Just Your Money.
To have a truly RICH life, every area of life needs to follow the first 2 rules.
Let’s see how this can be applied to the 8 life areas..


Life AreaRule 1:

“Do Not Live Above
Your Means”

Rule 2:

“Save Up and Invest”

Financial WealthSpend less than you EarnSave and Invest the left over money after expenses
Home and EnvironmentHave a home that suits your lifestyleMaintain your home to keep it in good condition.
Family & FriendsHave hundreds of “Friends”Nurture and protect true friendships that see you through thick and thin.
Romance / PartnerBe too busy to give your partner time. Taking them for grantedTaking time to connect on a personal level often to keep the spark alive.
Health & WellbeingOvereat and don’t exerciseHave regular check-ups with health professionals.
Career & BusinessJumping from one job to the next often.Creating a long term career that creates job satisfaction.
Personal GrowthBeing constantly stressed and busyAllowing some “Me Time” to create balance and unwind.
Fun & RecreationBeing constantly stressed and busyFinding time to have fun, engage in a hobby or just relax with friends

Take some time and consider how can you apply the 2 rules to your life in all areas.

If you want to explore deeper how YOU can create your RICH life.    Check out my Rise to RICH course.



A Restaurant Style Meal

A Restaurant Style Meal

Have you seen my “Getting $#!T Done” course yet?
I ask because, part of the challenge is to audit your life in every area and slowly level each area up to a “10”

One area of life is, of course, “Romance / Significant Other”  I have rated this area of my life as a good solid 8 🙂

Nobody is perfect and I don’t know that anybody should actually rate their relationship as a 10.  Let’s face it there is always more to do and some little thing that we are not 100% happy with about our partners (or ourselves).

When I was going through my monthly plan and trying to decide how I could level up this area, I thought one thing we enjoy doing is eating out.  We choose not to spend $100+ very often on a restaurant meal, but we are both capable home cooks and can replicate a restaurant style dish without too much stress.

Anyway, I digress  🙂

In my never ending quest to become a princess and be wined and dined by my prince  I decided that , as I work from home every Friday, I would look through a few menus and have a “fancy dinner” on Friday nights.    I will not shop specifically for this meal, but rather use the menu as inspiration to use what I have in the fridge, freezer and pantry.

This weeks menu came from a lovely restaurant not far from us.  See Restaraunt in Mooloolaba 
I have actually only been there once, and it was with a group of girlfriends for a special lunch.
It is on my list of places to go with hubby, but is is a stretch on the budget.
(A couple would do well to walk out spending under $100 after meals and a couple of drinks)

Scrolling through their menu, this dish caught my eye….
Confit Duck, Spec and Green Pea Medley, Honey Carrot Puree

Yummmmmm, but I don’t normally have duck or spec residing in my well stocked fridge/freezer, but I most certainly do have chicken and bacon!!   This sounded like a winner.

This is what I ended up with ….
Slow Roasted Lemon Garlic Chicken, Bacon and Green Pea Medley, Honey Carrot Puree.

I found this recipe on Taste for the Chicken  and made it with a small half bird from the freezer.

The “bacon and green pea medley” is a side dish I often make for guests.. (a similar recipe is here)
In my dish I used frozen peas, green shallots and snow peas and  fresh beans all cut into small pieces about the same size as the peas.

For the honey carrot puree, I sauteed a small chopped onion in a drizzle of olive oil until soft but not coloured. to that I added two medium carrots chopped into rounds, and covered with water, a tablespoon of honey and a teaspoon of chicken stock.  Simmer this until the water is mostly gone. Be careful, you don’t want it to boil dry.   

To serve, mash or puree the carrots ( I used a stick blender) and spread onto a plate in an attractive pool. Nestle the chicken in the puree and surround with the peas.  Gently spoon over the sauce from the chicken being careful not to “drown” it

As I am a TERRIBLE food blogger, I forgot to take pictures 🙁

Hubby declared the meal a success, and I felt I had boosted my “relationship score” a point or so – at least for the night 🙂

I wonder what I will find next Friday??

Not my picture of chicken 🙂