businesspropel.com.au
The website above provide some online tools and guidance to help evaluate tbe health of your business.
Friday, 18 May 2018
Monday, 7 May 2018
Investing - Peer to Peer, Fractional Investing, Loose Change
RateSetter - https://www.ratesetter.com.au/
- Connects investors and borrowers.
- Provision fund exist in case of borrower default in payment.
- Minimum investment from $10 and 3 months
BrickX - https://www.brickx.com/
- Investors buy bricks, which can be $100
- While holding the brick, investors earn income from the actual rental income.
- When selling, depending on the Brick Valuation of the actual property, the investor may have a capital return
Loose Change investments
- An example is Acorns. Using its app, if investor buys coffee $2.75 and use the app to pay, the app will pay $3.00 and will invest the change.
- Few companies doing this are:
Betterment,
Wealthfront,
Acorns,
Robinhood,
Stash.
Saturday, 23 December 2017
Banking - Mysterious Transactions
In bank statements, sometimes transactions are made and listed under a mysterious name. This name may have no resemblance to the name of the merchant or the business.
However, there is a facility called "Look Who's Charging" that can help give more information. In addition, to date, the National Australia Bank has this feature.
However, there is a facility called "Look Who's Charging" that can help give more information. In addition, to date, the National Australia Bank has this feature.
NBN Broadband Providers
According to Money Magazine Dec 2017, the winners of the "Best-Value NBN Broadband Plans" category, in order from the winner, are:
1. Flip TV NBN - Family 25 plan
2. Hello Broadband Unlimited - family NBN
3. Barefoot Telecom Mild NBN
1. Flip TV NBN - Family 25 plan
2. Hello Broadband Unlimited - family NBN
3. Barefoot Telecom Mild NBN
Sunday, 1 October 2017
Mobile Providers
Some of the cheap Mobile Providers, which sometimes have better deals than the big carriers.
OVO Mobile
Jeenee Mobile
Vaya
Yomojo
TPG
OVO Mobile
Jeenee Mobile
Vaya
Yomojo
TPG
Sunday, 3 July 2016
Small Business Tools
This post is a collection of useful tools for Entrepreneurs and Small Business.
https://www.freeaccountingsoftware.com.au/
Yes, this is the name. Its a free software that conforms with Australian Tax system. It is promoted as Free Forever, CPA Practice and SRB Certified.
It is online, nowadays we say Cloud, and accessed using a browser.
GnuCash
http://www.gnucash.org/
This is another free accounting software which is free and available for Windows, Linux, Mac OSX. It is an international, more general type of accounting software and needs to be installed on your computer.
Google Sheets
https://docs.google.com/spreadsheets/u/0/
This is a general spreadsheet, part of the free Google Docs applications. It can be used to tailor to accounting purposes but you would need to design the accounting formulae yourself.
7 accounting packages for Australian small businesses compared: including MYOB, QuickBooks Online, Reckon, Xero
http://www.bit.com.au/Review/344651,7-accounting-packages-for-australian-small-businesses-compared-including-myob-quickbooks-online-reckon-xero.aspx/3
A detailed review of Accounting Packages - most of which are NOT free.
Accounting Software
Free Accounting Softwarehttps://www.freeaccountingsoftware.com.au/
Yes, this is the name. Its a free software that conforms with Australian Tax system. It is promoted as Free Forever, CPA Practice and SRB Certified.
It is online, nowadays we say Cloud, and accessed using a browser.
GnuCash
http://www.gnucash.org/
This is another free accounting software which is free and available for Windows, Linux, Mac OSX. It is an international, more general type of accounting software and needs to be installed on your computer.
Google Sheets
https://docs.google.com/spreadsheets/u/0/
This is a general spreadsheet, part of the free Google Docs applications. It can be used to tailor to accounting purposes but you would need to design the accounting formulae yourself.
7 accounting packages for Australian small businesses compared: including MYOB, QuickBooks Online, Reckon, Xero
http://www.bit.com.au/Review/344651,7-accounting-packages-for-australian-small-businesses-compared-including-myob-quickbooks-online-reckon-xero.aspx/3
A detailed review of Accounting Packages - most of which are NOT free.
Website and other Online Tools
Neto
This is not free, but a subscribed service. It looks like a powerful platform that allows small business owners / entrepreneurs to setup their online store or online presence easily. It puts everything a modern business needs on a single platform and has got tools for payments and shipments as well.
Saturday, 3 October 2015
Changing Your Thinking 6 - Depression
Change your thinking - beating the blues
Worrying is a cognitive process
Anxiety is more primitive - sometimes not conciously thinking about it. Muscle tense up and arousal.
Anxiety - perception of threat.
Depression -perception of hopelessness.
Worrying is a cognitive process
Anxiety is more primitive - sometimes not conciously thinking about it. Muscle tense up and arousal.
Anxiety - perception of threat.
Depression -perception of hopelessness.
Stopping behaviour - helps us change ourselves.
Cognitive bias - mood affects thinking - sometimes we get caught up in our thinking
Cannot trust content of our thoughts.
Cognitive bias - mood affects thinking - sometimes we get caught up in our thinking
Cannot trust content of our thoughts.
Feeling down-
Lack of energy, heaviness
Majority of depressEd people may also have anxiety, but not the other way round.
Lack of energy, heaviness
Majority of depressEd people may also have anxiety, but not the other way round.
(clinical/major ) depression: long term, hard to function.
Symptoms: lose appetite, depressed mood, lost interest
Melancholic depression - biological
Symptoms: lose appetite, depressed mood, lost interest
Melancholic depression - biological
What causes depression.
- Not always due to a reason.
- Biological
- historical
- psychological - personality style
- environmental
- Not always due to a reason.
- Biological
- historical
- psychological - personality style
- environmental
Black dog institute day high risk for these groups
- Anxious worrier
- irritable
- socially avoidant
- reserved - don't feel they are ok so pretend things ok, don't let people know what you are really feeling
- sensitive to rejection
- self critical.
- Anxious worrier
- irritable
- socially avoidant
- reserved - don't feel they are ok so pretend things ok, don't let people know what you are really feeling
- sensitive to rejection
- self critical.
Biological based depression :
-Melancholic
-Psychotic - delusional, paranoid, really agitated - use electric shock
-seasonal affective disorder -
-Melancholic
-Psychotic - delusional, paranoid, really agitated - use electric shock
-seasonal affective disorder -
Bipolar disorder
-Bipolar 1- very rare but psychotic, mania
-bipolar 2 - severe black intense depression.
-Bipolar - strongly correlated with intelligence.
-Bipolar 1- very rare but psychotic, mania
-bipolar 2 - severe black intense depression.
-Bipolar - strongly correlated with intelligence.
Stress triggers depression
-Acute stress
-chronic stress
-Acute stress
-chronic stress
Rumination
- Self doubt, over analysing, others have better things.
- unproductive and not really solving problems
- feeling defective failure guilty
- Self doubt, over analysing, others have better things.
- unproductive and not really solving problems
- feeling defective failure guilty
Strategies for managing depression
- Perceptions feel 100% true
- feels like no solution and permanent
- in reality, things change or our perception change
- Perceptions feel 100% true
- feels like no solution and permanent
- in reality, things change or our perception change
Mindful observation
-Observe and label the thoughts - worry, over thinking, Rumination
-Observe and label the thoughts - worry, over thinking, Rumination
Behavioural strategies :
Activity scheduling
Achievement activity
Pleasurable activities
Goals are important
Social support
Long term plans
Exercise
Activity scheduling
Achievement activity
Pleasurable activities
Goals are important
Social support
Long term plans
Exercise
Apps;
Mycompass
Head space
Mood gym
Worry time
Mycompass
Head space
Mood gym
Worry time
Controlling Your Thinking 7 - Self Esteem
To avoid depressed state :
Exercise, do pleasure things, socialise, do something leading to accomplishments.
Exercise, do pleasure things, socialise, do something leading to accomplishments.
Core beliefs or schemas hard Wire or brain - causes wrong thinking like mind-reading
SELF ESTEEM
way we perceive ourselves, relative to other people
- Affects what we put up with., confidence, sense of belonging, affects who we marry or make friends.
- Affects mood and risk of depression.
- Could be a state or trait
- everyone who is depressed has low esteem
- leads to self diminishing behaviour - gives negative feedback. High self esteem leads to more friendly - more positive feedback
- comes from past experience, early childhood, adolescent
- temperament - eg introvert find harder to make conversation and like to be alone. Extrovert - talking to people is positive.
- Subsequent life experience -social interaction, negative experience
- can be: healthy, fragile, poor
- core belief of self
- cognitive bias is like prejudice, when there is strong belief - accept info that aligns with our beliefs, but make excuse of opposite evidence.
- High reserve, perfectionism, workaholic is related to low self esteem. People trying to prove themselves.
- At the end, relationship more important.
way we perceive ourselves, relative to other people
- Affects what we put up with., confidence, sense of belonging, affects who we marry or make friends.
- Affects mood and risk of depression.
- Could be a state or trait
- everyone who is depressed has low esteem
- leads to self diminishing behaviour - gives negative feedback. High self esteem leads to more friendly - more positive feedback
- comes from past experience, early childhood, adolescent
- temperament - eg introvert find harder to make conversation and like to be alone. Extrovert - talking to people is positive.
- Subsequent life experience -social interaction, negative experience
- can be: healthy, fragile, poor
- core belief of self
- cognitive bias is like prejudice, when there is strong belief - accept info that aligns with our beliefs, but make excuse of opposite evidence.
- High reserve, perfectionism, workaholic is related to low self esteem. People trying to prove themselves.
- At the end, relationship more important.
Comparing yourself
- When feeling down to see others more successful, then low self esteem
- better to compare ourselves with our own self.
- Can set goals for ourselves - for our own sake.
- Unfair to compare. Irrational, self defeating
- When feeling down to see others more successful, then low self esteem
- better to compare ourselves with our own self.
- Can set goals for ourselves - for our own sake.
- Unfair to compare. Irrational, self defeating
Challenge
-Self acceptance
- setting goals
-Self acceptance
- setting goals
Labelling
-Making gross generalisations
-no point labelling because that gives us a single label.
- we are all a complex mixture of things
- think: I'm not dumb - I'm not good at statistics
- think: I'm not social misfit -I'm shy with people
- good to be specific, not good to label
-Making gross generalisations
-no point labelling because that gives us a single label.
- we are all a complex mixture of things
- think: I'm not dumb - I'm not good at statistics
- think: I'm not social misfit -I'm shy with people
- good to be specific, not good to label
Social anxiety
-tend to focus attention on ourselves
-avoid pre event planning - mind reading, analysing
-tend to focus attention on ourselves
-avoid pre event planning - mind reading, analysing
Address cognitive bias
- Focus on skills, strengths, qualities
- Focus on skills, strengths, qualities
Acknowledging shame can be good, eg with weakness.
-Shame tired to self esteem
-Shame tired to self esteem
Tips:
Acknowledge reality -drop judgement
Self diminishing behaviours
Body language, eye contact,
Honest assertive communication -builds relationship based on equality
Acknowledge reality -drop judgement
Self diminishing behaviours
Body language, eye contact,
Honest assertive communication -builds relationship based on equality
Thursday, 17 September 2015
Controlling your Thinking 5 - Anxiety
Anxiety
Worry time app
Breathe 2 relax
Google-centre for clinical interventions - workbooks
Worry time app
Breathe 2 relax
Google-centre for clinical interventions - workbooks
Fatigue, out of control, phobia
,-response to perception of threat
Fear- very extreme danger short term.
Anxiety-general world feels unsafe, partly aroused, long term threat- motor tension.
Leads to lots of physical effects.
Effects cognitive functions, memory
Effects behaviours
Effects performance - can improve performance, but to much lead to hyperstress
Anxiety disorder - in very serious case. This impairs our functions
Generalised anxiety disorder - general tendency to worry. Muscle tension, fatigue, concentration, irritability.
,-response to perception of threat
Fear- very extreme danger short term.
Anxiety-general world feels unsafe, partly aroused, long term threat- motor tension.
Leads to lots of physical effects.
Effects cognitive functions, memory
Effects behaviours
Effects performance - can improve performance, but to much lead to hyperstress
Anxiety disorder - in very serious case. This impairs our functions
Generalised anxiety disorder - general tendency to worry. Muscle tension, fatigue, concentration, irritability.
State anxiety,- due to circumstances
Trait anxiety -due to our own personality. Can be physical, even if we know about it.
Trait anxiety -due to our own personality. Can be physical, even if we know about it.
Common threats
-Negative appraisal
- conflict, failure, loss
Anxiety begets anxiety
-Mindfulness may help
-Negative appraisal
- conflict, failure, loss
Anxiety begets anxiety
-Mindfulness may help
Behaviours
-Use behaviour to dispute anxiety. When logical doesn't work, use behaviour.
-Trying to say right thing or self focused lead to anxiety. Over thinking.
- Don't think to much
- somatic - drugs, alcohol
Safety behaviour: over planning, bottled water, worrying, perfectionism,
End up spending to much time worrying will not be productive .
-Use behaviour to dispute anxiety. When logical doesn't work, use behaviour.
-Trying to say right thing or self focused lead to anxiety. Over thinking.
- Don't think to much
- somatic - drugs, alcohol
Safety behaviour: over planning, bottled water, worrying, perfectionism,
End up spending to much time worrying will not be productive .
--- good mental hygiene
Daily physical exercise helps
Good nutrition
Good sleep
Not smoking or excess drinking
Practise cognitive flexibility - let go of the "I should " thinking. Identify the faulty reasoning
Anxiety creates cognitive bias - just need to recognise the anxiety.
Notice the over thinking.
Exposure - learn to face the worries by confronting it.
Make one phone call a day if we are socially anxious
Deep relaxation - When relax our bodies, it will break anxiety cycle.
- Progressive muscle relaxation
- medication like valium relaxes muscle
- anti depressants also relieve anxiety.
Daily physical exercise helps
Good nutrition
Good sleep
Not smoking or excess drinking
Practise cognitive flexibility - let go of the "I should " thinking. Identify the faulty reasoning
Anxiety creates cognitive bias - just need to recognise the anxiety.
Notice the over thinking.
Exposure - learn to face the worries by confronting it.
Make one phone call a day if we are socially anxious
Deep relaxation - When relax our bodies, it will break anxiety cycle.
- Progressive muscle relaxation
- medication like valium relaxes muscle
- anti depressants also relieve anxiety.
Thursday, 10 September 2015
Controlling Your Thinking 4 - Behaviour Disputing and Mindfulness
Meta cognitive beliefs - think that worry or anger will protect us. Not really true.
Labelling others is not good for us.
Rude behaviour could be due to their pain.
Logical disputing,- challenging own thoughts
Persuasive disputing - thinking lIke that does not help
Change behaviour- which change cognition
Cognition affects behaviour.
- that task is loathsome
- they won't like me
- ...... all this affect our behaviour
... whIch also affect our thinking
Behaviour Disputing
- experiential learning that our beliefs is actually wrong
- I shouldn't take social risk , awful to be rejected.
- taking small risks to dispute, is helpful.
- I should always appear independent, and in control.
-
MINDFULNESS
emotional distress due to current situation
But mostLy anger is about things in past, worry is about future.
- mindfulness is being in the present, pretend to be an external observer.
- pick up truth from noise.
- non judging during mindfulness exercise.
- observe with curiosity.
-
Internal Discrepancy monitor
- mismatch between current and desired states, causing distress.
- rumination- think one's way out of problem, but does not work.
- try to notice when we are runinating, and get out of it.
Defusing
- notice they are just thoughts, not really reality.
BenefiTts of mindfulness
-Metacognitive awareness, notiCE our own thoughts.
- reduction of recurring thought process.
- greater ability to tolerate pain.
Apps - head space.Controlling Your Thinking 3 - Anger
Anger
-Perceived violation or injustice
- with perception of threat
Affects: Cognition, behaviour
Pre frontal cortex
- Making rational decisions
Amygdala
-Sends signals to adrenalin near kidney
Rumination
- Going in circles in unproductive ways
Anger prove personality
- Some biological - hot temperament
- low tolerance for frustration, high threat perceptions
- stop - breathe - leave
- -- progressive muscle relaxation, mindfulness practice
Managing short term anger
- Exercise, talk to someone, write about it
Does this behaviour HELP ACHIEVE OUR GOALS
Stay solution focused
Stay away during hot phase
***Often feel angry on people who we think have power over us.Sunday, 30 August 2015
Controlling Your Thinking
This post is more about using psychology to improve our mind. So what has this got to do with Finance and gettting wealth? Everything.
A healthy mind is what is required to generate wealth. A mind that is bogged down, like a sinking ship struggles to survive, let alone achieve anything extraordinary. So the post here is a collection of notes that was taken during a course called "Change Your Thinking" which is based on Cognitive Training.
---------------------------
Brain constantly produce thoughts. Can have different interpretation or meanings. Eg what have you been up to? Why do people have different interpretation. Prior events may influence this. Personality, culture context (family values), lessons learnt early in life, our perception of people, how safe our environment felt when young.
Challenge our beliefs, not enough to just understand. Changed the way we think, then that will change the way we feel.
Thoughts - When anxious thoughts are faster.
CBT: counselling, stress management,
Change way we think, Changing the way we feel, change way we behave
- Include cognitive strategies, behavioural strategies, mindfulness strategies.
- aim to reframe ways of thinking: upsetting emotions, unhelpful behaviour.
Adaptive behaviour- will help us achieve goal.
Maladaptive- do things that are not helpful
Cognition - way we think, thoughts, beliefs, perception. Beliefs can influence thoughts.
emotions - anxious, angry, can lead to threat focused thoughts, lead to negative thoughts depression.
behaviour
Mindfulness - watch the thoughts without believing it.
Emotions - help us to survive, motivate behaviour, pleasant /unpleasant, adaptive /maladaptive
Temperanment- is the biological part of our personality, gene . Cannot change.
Can learn to react and think differently.
Inflexible thinking can be maladaptive.
Genes, history, environment influence way we feel.
People assume their thoughts are correct.
Thoughts and beliefs can be changed.
Develop cognitive flexibility - reduce unpleasant emotions, increase adaptive behaviour.
A healthy mind is what is required to generate wealth. A mind that is bogged down, like a sinking ship struggles to survive, let alone achieve anything extraordinary. So the post here is a collection of notes that was taken during a course called "Change Your Thinking" which is based on Cognitive Training.
---------------------------
Brain constantly produce thoughts. Can have different interpretation or meanings. Eg what have you been up to? Why do people have different interpretation. Prior events may influence this. Personality, culture context (family values), lessons learnt early in life, our perception of people, how safe our environment felt when young.
Challenge our beliefs, not enough to just understand. Changed the way we think, then that will change the way we feel.
Thoughts - When anxious thoughts are faster.
CBT: counselling, stress management,
Change way we think, Changing the way we feel, change way we behave
- Include cognitive strategies, behavioural strategies, mindfulness strategies.
- aim to reframe ways of thinking: upsetting emotions, unhelpful behaviour.
Adaptive behaviour- will help us achieve goal.
Maladaptive- do things that are not helpful
Cognition - way we think, thoughts, beliefs, perception. Beliefs can influence thoughts.
emotions - anxious, angry, can lead to threat focused thoughts, lead to negative thoughts depression.
behaviour
Mindfulness - watch the thoughts without believing it.
Emotions - help us to survive, motivate behaviour, pleasant /unpleasant, adaptive /maladaptive
Temperanment- is the biological part of our personality, gene . Cannot change.
Can learn to react and think differently.
Inflexible thinking can be maladaptive.
Genes, history, environment influence way we feel.
People assume their thoughts are correct.
Thoughts and beliefs can be changed.
Develop cognitive flexibility - reduce unpleasant emotions, increase adaptive behaviour.
Sunday, 17 May 2015
Line of Credit and Tax Consequences
I'm starting to look into this loan option known as the Line of Credit (LoC).
So far I found these websites
http://www.pwafinancial.com.
It gives a clear warning about using a LoC, originally for a property investment, then later use part of it for other investments. The tricky part is that any repayment may actually reduce the tax deductibility of the interest payments. Examples are given in the article.
So far I found these websites
http://www.pwafinancial.com.
This is the official Australian tax ruling of how LoC are to be treated and implications for deductibility of interest on the loan.
More to come.....
Saturday, 9 May 2015
Budget 2015: Age pension eligibility criteria tightened in 'sustainable' overhaul
http://mobile.abc.net.au/news/2015-05-07/budget-government-to-outline-changes-to-age-pension/6450946
Excerpt:
Excerpt:
At the moment, couples can own $1.15 million in assets on top of their family home to qualify for the part pension.
That threshold will now be reduced to $823,000 for couples meaning about 91,000 people will no longer qualify for the benefit, while another 235,000 will have their pension reduced.
But the bulk of retirees will either see no changes to their pensions, or will receive a small boost.
Negative Gearing: What the banks don't tell you
// Business Spectator
Australia's most notorious tax break may not be all that productive for investors in the near future.
Monday, 1 December 2014
Online Tools - Software Discount Coupon Sites
When you want to buy discounted software, checkout whether there are discounts or coupons available at these sites first:
Online Tools - Shopping Cashback Sites
There are some websites providing CASHBACK if you go through them to do your shopping. Many are free to join. They have signed up many big name retailers such as:
How they work?
Usually, you just go to their website and buy your thing and get the percentage cashback.
How to best use it?
It's simple to use. But also easy to get addicted to shopping. So don't visit these sites daily. Instead when you have something to buy, instead of going to the websites of the product, just check out these cashback sites first.
Review
http://blog.ozbargain.com.au/2014/cashback-comparison-2014-starthere-vs-qwibble-vs-shopping-vip-vs-cash-rewards-vs-chill-vs-prplness-vs-lyoness/#.VHzK8jGUdKY
The link above did a review on some of these sites already, so I won't be repeating it here.
.... and the CASHBACK sites are ......
Pricepal - http://pricepal.com.au/
Qwibble - http://www.qwibble.com.au/
Shopping VIP - https://www.shoppingvip.com.au/
Cash Rewards - http://cashrewards.com.au/
Chill Cashback - http://chillcashback.com.au/
Prplness - http://prplness.com/
Lyoness - http://www.lyoness.net/au/
- Microsoft
- Booktopia
- DealsDirect
- Amaysim
- .... much more
How they work?
Usually, you just go to their website and buy your thing and get the percentage cashback.
How to best use it?
It's simple to use. But also easy to get addicted to shopping. So don't visit these sites daily. Instead when you have something to buy, instead of going to the websites of the product, just check out these cashback sites first.
Review
http://blog.ozbargain.com.au/2014/cashback-comparison-2014-starthere-vs-qwibble-vs-shopping-vip-vs-cash-rewards-vs-chill-vs-prplness-vs-lyoness/#.VHzK8jGUdKY
The link above did a review on some of these sites already, so I won't be repeating it here.
.... and the CASHBACK sites are ......
Pricepal - http://pricepal.com.au/
Qwibble - http://www.qwibble.com.au/
Shopping VIP - https://www.shoppingvip.com.au/
Cash Rewards - http://cashrewards.com.au/
Chill Cashback - http://chillcashback.com.au/
Prplness - http://prplness.com/
Lyoness - http://www.lyoness.net/au/
Sunday, 9 November 2014
Links to Freelancing Jobs Sites
Below is a list of some freelancing sites. Most of them are available in Australia.
https://www.elance-odesk.com/
Elance-oDesk is reinventing the way we work. Today, more than 2 million businesses tap into Elance and oDesk to find, hire, and pay the world’s best freelancers, making it easier than ever to build successful companies and thriving careers.
https://www.freelancer.com
Freelancer.com - Post any project you need done and receive bids from our talented freelancers within minutes. Compare their proposals and price, then select the best freelancer to complete your project. Easy!
https://expert360.com/
expert360 - We are a global marketplace where you can find, hire and manage freelance professionals.
http://nvoi.com.au/
Workers use the Nvoi marketplace to manage all aspects of a non-permanent career - from finding assignments to interviewing, timesheets and payment.
https://www.airtasker.com/
Post a task you need done. You can get anything done. Describe your task in just two minutes and post it for free. There's no obligations to hire on Airtasker.
https://www.elance-odesk.com/
Elance-oDesk is reinventing the way we work. Today, more than 2 million businesses tap into Elance and oDesk to find, hire, and pay the world’s best freelancers, making it easier than ever to build successful companies and thriving careers.
https://www.freelancer.com
Freelancer.com - Post any project you need done and receive bids from our talented freelancers within minutes. Compare their proposals and price, then select the best freelancer to complete your project. Easy!
https://expert360.com/
expert360 - We are a global marketplace where you can find, hire and manage freelance professionals.
http://nvoi.com.au/
Workers use the Nvoi marketplace to manage all aspects of a non-permanent career - from finding assignments to interviewing, timesheets and payment.
https://www.airtasker.com/
Post a task you need done. You can get anything done. Describe your task in just two minutes and post it for free. There's no obligations to hire on Airtasker.
Friday, 29 November 2013
Saving - Food Bills, Environment, Health
Planting your own food is a good way to save:
- money
- health
- environment
A few websites with tips on growing your own food
Sustainablehouse.com.au
Diggers.com.au
According to Money Magazine Nov 2013,
- a house in Chippendale saves 100,000 litres of water a year.
- diet of Australians uses 100,000 litres of water for its production every 10 days
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