6 Costly Mistakes to Avoid for your Small Business When Considering Finance

The most fundamental principle of business financing is to match the term of your loan with the type of need.
Using a short-term finance option like a business credit card or overdraft to cover a bigger debt can leave you paying hefty fees and compound interest for years, while you struggle to repay it. You also run the risk of defaulting on your loan, resulting in the facility being withdrawn, sending you scrambling for alternative finance.

Read more

Growing healthy vegetables with kids

Children love playing in the dirt! And gardening is a fantastic way for parents to join in, create great experiences for their kids and grow beautiful healthy food at the same time.

Some of the happiest childhood memories can be made in the garden—digging up dirt, filling holes with water, wetting everyone in sight while watering the plants and biting into sweet, freshly picked snow peas straight from the veggie plot. Encouraging kids to help in the garden is good physical exercise and it also teaches them about healthy eating. It gives them a chance to learn about soil and realise where their food comes from.

Read more

10 tips to beat fatigue in busy mums

Fatigue is crap. Let’s face it. If we didn’t feel it we’d have bundles of energy to do what we wanted all day. But we would also probably continue doing stuff we don’t like for longer. Feeling fatigued means you are feeling weary, tired or lacking energy that doesn’t go away when you rest. Don’t forget that fatigue can be physical and/or psychological.
Fatigue can often be traced back to your habits. I’m a massive fan of talking about habits. That’s why one of my latest books is called ‘The habit3_-title_-pageFit Busy Mum: Seven habits for success’

Read more

Why ‘busy’ doesn’t have to mean frantic

In today’s busy world it’s easy to think we are run off our feet, running from one thing to another but is it time to re-define ‘busy’? Women of yesteryear fought so hard for the rights of women – the right to vote, the right to work, the right to an education. And now here we have it. So many opportunities and yet we (well, some of us) often tend to complain a lot.

Read more

7 signs you’re sleep deprived

Getting enough sleep as a busy mum can be impossible. And it doesn’t necessarily just last through the baby phase either. Just when you think they are ‘sleeping through the night’ in comes the new tooth, the flu, the gastro, the nightmare, the bed wetting…need I go on? I almost get deflated when a relatively new mum proudly announces to me ‘She’s sleeping through the night!’. ‘You poor soul. You think it’s over. ’ is automatically what springs to mind but I smile encouragingly letting the fear of sleep deprivation wipe away from her face.

Read more

Exercise is not always easy for busy mums

So, when the media publishes a post that leads with ‘Mums who skip exercise have no excuse’ it’s bound to be great click-bait. And yes, the media was talking about me. For a start, even I have the days where I ‘skip exercise’! Of course busy mums have the ‘I can’t be stuffed’ moments when it comes to exercise! I know first-hand because I have them! And I have them often! The people who know me best know that I am your relatively normal suburban mum…

Read more

The Working Mum Revolution where mums put their own health last

So, don’t be shocked…apparently working mums are notorious for putting the health of their children before their own! These were the results of a study of just over 1000 women in March 2016 conducted by the Online Research Unit on behalf of the Cenovis Women’s Health Index. Now, I’m a working mum. I ‘get it’ when mums (and dads) say that their kids’ health comes first…but I still don’t think it’s completely okay. Hear me out.

Read more

Saving Electricity (and money!) when working from home

I run an accounting business from home. Due to the nature of my business, I use a lot of electricity. There’s always a computer, a second monitor, a printer, a binding machine, a TV , and a shredder on the go, a laptop charging and I’m using my kitchen all day long. As well as this, I have another big problem: the lighting in my office. This is an issue for two reasons; the natural light is terrible in the day, and I often work at night. So you may ask, why is all this electricity usage a problem for me? And the answer to that is this – because electricity costs money.

Read more

How a busy mum can build a successful business

Being a busy mum means that you may often be feeling torn. Add trying to build a successful business to the mix and it overload can start to sink in. All in all I think that the same business skills apply to all business people. Drive, focus, knowledge and action are the skills that most often lead to a successful business. However being a busy mum can result in the drive, focus and action not always being delivered consistently. That’s not always because of lack of will. There’s fatigue, self management and of course the impact of the kids on your life that all can take their toll.

Read more

Why coconut oil is your must-have beauty product

I am the first to admit that I am completely in love with coconut oil. It is the oil that is extracted by drying and pressing the mature flesh of a coconut. Despite being villainised for a while because of how high in saturated fat it is, coconut oil is enjoying a new found popularity as a ‘healthy oil’ option in some cases. Its high burning point makes it ideal for frying and its palatable taste and aroma make it an ideal binder for raw food snacks and sweets. Aside from being good for your body, this oil is also particularly great for your skin. It is rich in moisturising compounds like vitamin A and vitamin C as well as anti-microbial compounds like lauric acid.

Read more

Why forgetting about insurance is costing you money

There is a certain trap that households often fall into; in fact it’s a something that I have just dealt with myself. It’s the ‘set and forget’ mentality. It’s almost like once the chore of setting up health insurance/mobile phone contract etc. is done we mentally cross it off our disappointmentlist of things to do…for a few years! Then, when the contract period is over, we tend not to notice or not ask for a better rate. We don’t even research other options, which may be available and it’s costing us…big time!

Read more

Time – Our Most Precious Commodity

I’m hearing more and more frequently from clients and friends, “Gosh, there just isn’t enough hours in a day”; or “If I only had more time I would look after myself better”; or “I just don’t have time to do what I want.” My question is, “What could possibly be more important than looking after yourself and doing what you want? If there were 25hours in a day, would you fill that extra hour with more on your “need-to-do lists” or would you really use that hour for some ME (my energy) time?

Read more