This Mum Likes Finance

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This Mum Likes Finance Workbook links in posts or head to my store.

SMBC 👶🏻 Financial education mostly for mums
20+ years CPA, Finance & NLP Master Coach
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And honestly, it made me think about how we approach money.We’re constantly told that being “good with money” means choo...
21/10/2026

And honestly, it made me think about how we approach money.

We’re constantly told that being “good with money” means choosing the cheapest option.

Cook at home.
Never eat out.
Cut every expense.
Do everything yourself.

But there’s a cost that doesn’t show up on your bank statement:

Your time.

Saving $20 isn’t always the better financial decision if it costs you hours of your life.

Sometimes cooking at home makes sense.

Sometimes meal prepping makes sense.

And sometimes paying for convenience is worth it because you’re buying back your time.

Being financially smart isn’t about spending the absolute least.

It’s about spending intentionally.

Because money is a tool — and the goal isn’t just to save more.

It’s to use your money in a way that creates the life you actually want.

So no… I didn’t save $50.

But at least there were dishes. 😂

SavingMoney MoneyTips FinancialLiteracy FrugalLiving

20/10/2026

Centrelink support for stay-at-home parents (2026)

👶 Parenting Payment

Main income support for primary carers of young children.

• Child under 14 (single) or under 6 (partnered)
• Income and asset tested, paid fortnightly
• May include Rent or Energy Supplements
• Activity requirements apply as children get older (6 usually)

👨‍👩‍👧 Family Tax Benefit (FTB)

• Part A: Paid per child to help with everyday costs
• Part B: Extra support for single parents or single-income families

🍼 Parental Leave Pay (if eligible)

• For parents who worked before birth or adoption
• Temporary income while caring for a newborn, up to 26 weeks by July 2026

🎁 Newborn payments

• If Parental Leave Pay is not available
• Includes upfront and short-term supplements for baby expenses

🧸 Child Care Subsidy (CCS)

• Reduces childcare fees
• 2026 “3 Day Guarantee”: minimum 3 subsidised days per week, no work or study required
• Up to 100 hours per fortnight for families meeting activity requirements

🏠 Extra support (if eligible)

• Rent Assistance, Energy Supplement, pharmaceutical and education allowances
• Regional or remote support

🧑‍⚕️ Carer payments

• For children with disability or medical needs

⚠️ Key 2026 rules

• Most payments are income and asset tested
• Residency requirements apply
• Payments can be combined depending on eligibility

These payments and subsidies together help stay-at-home parents manage living costs, support child development, and access essential services for their family.

3DayGuarantee FamilyTaxBenefit ParentingPayment NewbornSupport ParentalLeavePay ChildCareSupport AustralianParents GovernmentSupport ParentLife KidsAndFamily FamilyAllowance ChildcareAustralia FamilyFinance Parenting2026 SupportForParents

19/10/2026

Returning to work is about more than childcare and finances. It’s a big transition for the whole family, physically, emotionally and mentally.

Here are 8 things to think about before your first day back 👇🏼

📅 1. Your return date
How many days do you have left? Use this time to prepare and enjoy the moments before your new routine begins.

💰 2. Family finances
Consider your take-home pay, childcare fees, commuting costs and government benefits. Would working fewer days make more sense for your family?

👶 3. Childcare arrangements
Plan settling-in sessions, drop-offs, pick-ups and backup care for sick days.

🤍 4. Your wellbeing
Recovery, fatigue and disrupted sleep can make the transition challenging. Give yourself grace and ask for support.

🍼 5. Feeding plans
If you’re breastfeeding or expressing, organise breaks, facilities and safe milk storage.

💼 6. Workplace rights
Check your leave entitlements, flexible work options and any adjustments you may need.

🏡 7. Family routines
Plan meals, mornings and household responsibilities. Share the mental load so one person isn’t doing it all. Unless you are a solo parent like me and don’t have much help - that’s extra challenging!

🫶🏼 8. The emotional adjustment
You can miss your baby and enjoy being back at work. You can love being a parent and still want a career. Both can be true!

✨ Remember: There is no perfect way to balance work and family. Give yourselves time to adjust and find what works for your family. 🤍

💬 How are you feeling about returning to work? Share below! 👇🏼

📌 Save this post for later and share it with a parent preparing to return to work.

⏳ Want to know how many days work best for you and your family? Link to the calculator in the comments below 👇

18/10/2026

Having a baby in Australia in 2026? Here are payments & support you may be eligible for through Centrelink/Services Australia.

1️⃣ Paid Parental Leave
Up to 26 weeks (130 days) for babies born/adopted from 1 July 2026. 💰 $1,004.70/week before tax. Parents can share the leave.

2️⃣ Super on Paid Parental Leave 🆕
Eligible parents can receive a government super contribution of 12% of their Parental Leave Pay.

3️⃣ Family Tax Benefit (FTB)
💵 Part A: help with the cost of raising children.
💵 Part B: extra support for eligible single parents and some couple families.

4️⃣ Newborn Payments 👶
If you’re eligible for FTB Part A and don’t receive PPL for the same child, you may qualify for the Newborn Upfront Payment + Newborn Supplement.

5️⃣ Child Care Subsidy 🧸
From 5 January 2026, the 3 Day Guarantee means eligible families can get at least 3 days of subsidised care per week, regardless of their activity level.

6️⃣ Parenting Payment 💳
Some low-income parents who are the main carer of a young child may qualify.

📌 Tip: PPL can generally be claimed up to 3 months before your baby’s expected birth/adoption date.

⚠️ Eligibility depends on factors such as income, work history, residency and family circumstances. Rates and rules can change.

👉 Check Services Australia/Centrelink before applying to see what you may be entitled to.

FamilyTaxBenefit ChildCareSubsidy ParentingAustralia NewBaby AustralianFamilies CentrelinkPayments

😱Is there anything else left to cut? 👹
17/10/2026

😱

Is there anything else left to cut? 👹

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