Mooney Financial Services

01/07/2018

💫 Want to enjoy a night out on us? 💫

We have a $100 Visa gift voucher & 4 Movie tickets up for grabs 🎥🍴

Simply head over to Puzzle Box Finance, like and share our new page and tag a friend who you think deserves a night out! 🤩 It really is that simple. 👐

www.facebook.com/puzzleboxfinance

Competition ends Tuesday the 31st of July 2018 @ 5pm 👍

30/06/2018

💥We have some very exciting news to share with you! 💥

We have so many amazing plans to kick off the financial year. 💫 A new year, a new us! 💫 We are very excited to announce that we are re-branding! Our new business name is Puzzle Box Finance. It’s a new name, with the same great service. 🤗

👍 Please follow the link below to our new page, give it a like and celebrate our excitement as we launch Puzzle Box. ✨ From all of us at Puzzle Box Finance, we hope you have an amazing start to the new financial year. 🤩

www.facebook.com/puzzleboxfinance

28/05/2018

Electricity costs are soaring! Let's save some money!

I almost fell off my chair when I opened my last electricity bill... Granted it was my Summer bill (January to March) and we had the ducted air-con basically running non-stop but still, I almost had to remortgage the house just to pay it!

Since then, I've been a power usage n**i and have been looking at all sorts of ways to reduce our electricity bill. While I haven't gone to the extreme of turning everything off at the wall the easiest change I have made (and am honestly slapping myself that I didn't think of it before) is only using certain appliances during off-peak periods.

Off-peak periods in Australia are usually from 10pm to 7am. So I now put a load of washing on before I go to bed and hang it out in the morning. The dishwasher doesn't run until bedtime either now. I try to put dinner in the slow cooker at night, instead of using the oven, so it's just a matter of heating it up in the microwave the next night. We have changed the timer on the pool pump to run in the early hours of the morning now. I know it doesn't sound like a lot but every little change you make adds up.

Have you noticed your electricity bills getting higher and higher? What are your energy saving tips?

21/05/2018

I am super excited about today's tip... My kids were not so much at first!!!

Every Friday night in our house is takeaway night, or was! It was a weekly treat for the kids and gave hubby and I a night off from cooking. But... For our family of 5 takeaway is expensive. Pizza usually sets us back roughly $50, Chinese $75 and Maccas about $60 - yes $60 in Maccas drive through. Cringeworthy really.

So... much to my kid's disgust this has stopped. Not because we can't afford it but because this money can be used in better ways to ensure the money is working for us.

Now my kids aren't going without. We've replaced takeaway night with 'make your own ... night'. So we make our own pizzas, hamburgers, chicken nuggets and chips (etc) once a week. And you know what? Now the kids have gotten used to it they look forward to being able to put together their own meals.

This isn't to say we never have takeaway anymore but it is a lot less often and the kids really enjoy it as a treat when we do.

How do you cut costs in your household?

16/05/2018

We are proud to announce that we are finalists in the 2018 Local Business Awards for Penrith. 🤩 Thank you to all of our clients and everyone who voted. 🙌 We couldn't have done it without your help! 😘 Fingers crossed we can bring it home this year! 🏆

15/05/2018

If you're looking for a local JP service that's easy to get to and available at short notice give Mooney Financial Services a call.

With 2 registered JP's working in the office your bound to catch one of us. Services available Monday to Friday - 9am-5pm.

You can find us at 148 Queen Street, St Marys - Directly across from the Post Office.

14/05/2018

Online grocery shopping - Save time AND money!


I love shopping for my groceries online. When I first started ordering I have to admit it was purely out of laziness. The last thing I wanted to do after a long day at the office was to push a trolley around the supermarket. I could sit down during my lunch break at the office, order my groceries and they'd be delivered the next day right to my front door.

But very quickly I realised there was an added benefit... I was saving money! When I jump online to order my groceries I have my list in hand just as I would in store but I was actually buying less!

Shopping in store brings with it a lot of temptations. I would always see things on special and throw a few extra items in the trolley even though I just didn't need it or I would see the latest and greatest cleaning products and just HAVE to try them and lets not even talk about the confectionary isle! Argh!!!

Do I pay a delivery fee when I get my groceries online? For the most part yes I do (generally delivery is free if you purchase $300 or more in one order) but even with the fee I still save money by avoiding temptation.

And the best part... All my groceries are delivered right to my kitchen bench. No packing the car and dragging all those heavy bags in myself. It's all done for me - Winning!!!

Have you or do you order your groceries online? We'd love to hear your thoughts on online vs in-store shopping.

12/05/2018

"A mother is she who can take the place of all others but whose place no one else can take."

Wishing all the amazing Mum's, both with us and passed, a very Happy Mothers Day. Thank you for all that you are and all that you do. 💕

11/05/2018

08/05/2018

Sydney house prices continued to fall in April with some experts predicting further decreases still to come. But what does this mean for your home?

Follow the link below to get your FREE RP Data report sent directly to your email address.
http://www.mooneyfs.com.au/free-rp-data-report-3/

07/05/2018

For today's topic let's talk about becoming more aware of your spending habits. Being aware of where you spend your money and what on is the first step to being able to manage your money better.

The best way to do this is to track your spending for one month. Keep every receipt and at the end of the month sort all the receipts into categories like groceries, petrol, eating out, entertainment etc and add the totals for each category.

For other expenses that you pay via Bpay or EFTPOS, review your transaction history via your online banking app and add the totals to your categories also.

You may be surprised just how much money you are spending in certain areas once you add it all up. Having an overview in front of you will allow you to decide where you can cut costs and allocate additional money to either paying off debts or building up your savings.

Have you reviewed your spending recently? Which areas did you decide to cut back your spending and where have you allocated the additional money?