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7 Cheap First Date Ideas That Don’t Suck

Do you need some cool date ideas that are sure to impress, but at the same time wont set you back millions? We have all the best places for you!

#1 RIDE IN STYLE

Tandem bikes are a hoot and will have your date laughing the whole time. It is relaxed and there are cheap rental options online.

 

#2 TESTING THE WATERS

Go on a ferry ride if you want a cheap change of scenery. It’s a great way to explore both your local area and each other.

#3 NIGHT AT THE MUSEUM

Check out the latest collections at your local museum by checking them out at discounted prices or on free museum nights.

#4 PLAYING GAMES

Go to an arcade with your quarters and have a laugh on your unconventional date. Make it interesting and have the loser pay for a round of drinks.

#5 READING BETWEEN THE LINES

Go to a book or poetry reading and get a culture kick to boot.

#6 VIP

There is nothing better than some great cheese and a bottle of wine. This can be a fantastic date night and you can get to know each other whilst relaxing in a comfortable setting.

#7 MOTHER NATURE

Go for a hike at your nearest wilderness trails. Getting in touch with Mother Nature and throwing in a workout will be a great way to relieve first date jitters.

Dating doesn’t have to be expensive and there are loads of options out there. These will get you started and will see you through a fabulous time.

/ Finance, Finance Tips, Money Tips

6 Money Saving Tips When Buying Your New Car

Are you saving up your hard earned money to buy a new set of wheels? Listen up because we have some expert tips that will not only help you save, but will ensure you get your hands on your dream car sooner rather than later.

#1 ALL ABOUT TIMING

There is a daily, weekly and monthly budget that eventuate into a yearly budget for any successful business, including car dealerships. At the end of the month as the budget nears, sales people will want to make sure they get over the line to keep their jobs and get commission. Make sure you go at the end of the month as this will probably mean deals will presented to you will be cost efficient.

#2 LAST SEASONS GOODS

So you want the latest and greatest, but who’s to say that last year’s model isn’t just as great as the newest model. Because of the fact that newer models are rolling in you will get a better deal on last year’s vehicle for virtually the same thing.

#3 FIXED BUDGET

Before you go out to buy a car make sure you know how much money you have to spend and stick to it. This will ensure you don’t look back in regret a couple of years from now for being swindled into a deal you didn’t want in the first place.

#4 TRADE IT IN

Make sure to settle on the exact price of your new vehicle before you let it slip that you want to trade in your old set of wheels. If you don’t do this the dealer may talk the talk and you will walk away paying far more than you should have in the first place.

#5 LEAVE THE EXTRAS BEHIND

Don’t fall for the extras you don’t need. This will only set you back and really how much rust protection does your car actually need? Add on extras allow for higher commissions, but the simple truth is you don’t need those trimmings. Write down which extras you actually want before going to the dealership.

#6 GET FREE EXTRAS

Have a look online for all the options that dealerships can give you when purchasing your car, because they are out there, but nobody hands out freebies if they don’t have to. Discuss free oil changes if the opportunity presents itself and other cool things.

At the end of the day these dealerships should be fighting for your money. By following these tips you will sure be rolling out of the garage with new wheels in no time.

/ Finance, Finance Tips, Money Tips, Saving

5 Easy Ways To Teach Your Children To Save Money

We all want the best for our children and more often than not we find ourselves looking for solutions so as to teach our little ones important lessons that will get them ahead early on. Teaching them about money is essential, so in saying that check out our tips and tricks that will help them learn about money saving.

#1 BE A GREAT ROLE MODEL

The most respected way in which people learn is from a great example and children are no different. If children often see you and your partner heatedly discussing money problems at the end of the month you can be sure they will take note as they do with everything. Pay attention to how many times you flash your credit card at stores when they are in your presence, and instead swap it over with actual money so they can experience all aspects of spending and saving money.

#2 SET RESPONSIBILITIES

Once again, as with adults, children will often respond responsibly when they have responsibilities to live up to. Sit them down and have a chat about the chores that need taking care of within your household. Depending on their age agree with them so as to what they can contribute with around the house. They can earn a wage if all of their chores are completed at the end of the month and you can discuss together how they will allocate their earnings in terms of spending and saving.

#3 SHOW THEM HOW MUCH THINGS COST

Taking them out and about to the shops is great when it comes to children experience spending money. Next time you do though make sure you emphasise how much a certain product costs. When they find something they like, have them take their earnings from household chores to spend. When they select the toy they want have them physically hand over the money to the person behind the counter and receive the change. This will imprint in them the importance of managing money than giving them a lecture about it.

#4 USE A LARGE CLEAR JAR TO SAVE

There is no greater motivation than watching your money tree growing. Opening a bank account is essential and having a piggy bank may be fun, but a clear jar will give them the visual motivation like nothing else. They will see that today they have saved three dollars, but when tomorrow rolls around they will have five dollars and counting. This will make them want to put more in there and will instil a sense of pride and self-confidence.

#5 THE GIFT OF GIVING

Help them find a charity that they might feel somewhat connected to or even strongly about. This will allow them to learn about giving back to the community and build on their empathy levels. Soon they will discover that giving does not only have an effect on the person receiving, but it will make them feel great about helping others too.

Follow these tips and you will surely have a thrifty child that will be able to manage their money once adulthood rolls around.

/ Finance

Australian Cross Disability Alliance says ‘Hands off the NDIS’

Today’s media reports that the Federal Government is considering major changes to the funding and governance of the NDIS, have alarmed people with disability, families and advocates across Australia.

“The NDIS has had support across political parties and all levels of government to date. Any watering down of the NDIS or a Commonwealth takeover of the scheme would be a major breach of trust with the Australian people”, said Craig Wallace on behalf of the Australian Cross Disability Alliance. “Contrary to recent speculation and reporting, the NDIS is on budget, on time and delivering overdue change in the lives of people with disability across Australia.”

“People with disability across Australia have been working for the past six years to get ready for the NDIS and to make sure the new system meets our needs. This long overdue investment in people with disability and their families will enable more people to move into work, and also create jobs in the disability support sector, including for people with disability”.

“Reporting on just the costs of the NDIS misses the economic contribution that the NDIS will make with an increase of $22 billion to GDP not to mention the other benefits of having more Australians able to participate in the life of our community.”

The Australian Cross Disability Alliance calls on Prime Minister Turnbull to rule out removing the independence of the NDIS and any retrograde shift to an outdated rationed disability support system.

“The NDIS must be free of government interference and be allowed to proceed with the roll out as planned, in conjunction with people with disability,” said Mr Wallace. “People with disability deserve certainty. We have waited long enough for the support system we need.”

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ACDA Submission to CRPD Committee 14th Session – Right of Persons with Disabilities to Live Independently and be Included in the Community

In February 2016 the Australian Cross Disability Alliance (ACDA) made a submission to the Convention on the Rights of People with Disabilities (CRPD) Committee 14th Session ‘Day of General Discussion (DGD) on the right of persons with disabilities to live independently and be included in the community’.

Written by Carolyn Frohmader with input from Alliance members, the submission focused on the recent national Senate Inquiry conducted in Australia into ‘Violence, Abuse and Neglect against People with Disability in Institutional and Residential Settings’ – including the gender and age related dimensions, and the particular situation of Aboriginal and Torres Strait Islander people with disability, and culturally and linguistically diverse people with disability. The incarceration of people with disability in institutional and residential settings – where they are exposed to and experience multiple forms of violence – violates a myriad of human rights, including the right of persons with disabilities to live independently and be included in the community (CRPD Article 19). The recent Australian Senate Inquiry and its findings, offered a relevant and timely contribution to the CRPD Committee’s work on Article 19 of the Convention on the Rights of Persons with Disabilities.

The submission included brief discussion on:

  • The context of people with disability and human rights in Australia;
  • Violence against People with Disability in Institutional and Residential Settings;
  • Intersectionality and gendered disability violence;
  • The Senate Inquiry into Violence against People with Disability in Institutional and Residential Settings;
  • The National Disability Insurance Scheme (NDIS);
  • Right to Housing.
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