Carolyn Mowat SAHM Coach

15/09/2026

A feeling of peace when a bill arrives is possible when you know you already have the money put aside to cover it.
It is worth it to take the time to list all your bills for the year on a spreadsheet or budget template. There is a budget template that does all the adding for you inside this free pdf: SAHM Affordability Guide https://stan.store/carolynmowat_sahmcoach
Round the amount up as you write each one down. Divide the yearly amount by 52 if you get paid weekly, 26 if you get paid fortnightly, 12 if you get paid monthly.
If your pay is considerably lower during your holidays, divide your yearly bills by the number of FULL pays you will get. This way you will not need to take "bills savings" out of your holiday pay.
Round your bills savings per pay figure up a little as this years bills often seem to be a bit more than last years bill.
Set up a separate account for saving for bills and have your savings for bills automatically transferred to that account as soon as your pay arrives at your bank.
Think about whether you will need to add a one off "float" to you bills savings account. This will be needed if you haven't been saving for bills for long and a big bill comes along before you have had enough time to build up enough money in the account to cover it.
This is only the first of the five kinds of savings you need to get ahead. More next week.

15/09/2026

14/09/2026

14/09/2026

Keeping her savings safe, adding a couple of new investments over the next month or two. She will be on track to buy a house in just over two years, event if she doesn't save any more when she goes back to Uni in March.❤️

13/09/2026

I was talking with a group of friends when someone shared this story. He has gone to see his doctor about a medical complaint, and been prescribed medication. He didn't want to take it. It was harsh. It had side effects. Why can't doctors have a better solution than more medication?
Because medication is one of the few tools they have. The tools they are trained to use are medications, surgery, or radiation.
If you want something different you have to go somewhere different.
We are so blessed that there are so many different kinds of health professionals available. You have choice.
If you have back ache, or you problem started after a fall or giving birth, try a chiropracter or osteopath. If you have a chronic condition, try a nutritionist, or a naturopath. Then there are herbalists and physiotherapists and Chinese medecine pratitioners. If what you are doing isn't working, if you don't like the way you are being treated, go somewhere else.

13/09/2026

13/09/2026

For you I created the free SAHM Affordability Guide. It discusses the financial and non financial costs of staying at home vs going out to work. No judgement! It also contains a template that does all the adding for you 😊. Comment "guide" to get now for free.