General Tips and Treasures

Getting on Top of Credit Card Debt

Posted:03.26.2013

Did you know the average credit card debt in Australia is $3500? And paying minimum repayments at the average interest rate of 21.5% could take over 90 years to pay off?

Shocking but true.

In a recent article in The Sydney Morning Herald ‘Plot a path to turn red into black‘, some basic tips to get yourself out of a credit card pickle were shared along with case studies which show it can be done.

Here are some other tips and resources to help get on top of debt and back into black:

TIP!! If you are consolidating debt, make sure you are careful of your credit rating, making multiple applications for credit cards etc can impact your ability to apply for a home loan etc. at a later date. Talk to your bank manager/s but don’t let them log any applications for you unless they’re 100% sure you will get it. You can check your credit history by getting a free copy of your credit report from these credit reporting agencies:

TIP!! Paying a little more than the minimum repayments on your credit card can mean the difference between having the debt for 90 years or 2!

Paying more than minimum repayments on credit cards

Start small, be strategic, keep on it and you’ll get there in no time.

DOWNLOAD FREE Ebook! 12 Kickstart Ideas To Refresh Your Life And Finances

Posted:01.22.2013

FREE Ebook! 12 Kickstart Ideas To Refresh Your Life And Finances

Happy New Year!


For some that sentence oozes expectation, for others it evokes a sense of anticipation and excitement.

Its mid-late Jan. Who do you resemble?

A) Ah I’ve set goals before, they haven’t worked, this year I didn’t bother
B) I set goals this year but I’m battling already
C) I’m kicking goals big time
D) My opinion on goalsetting is… we’d love to hear from you, please share!

Of course, at 10thousandgirl we’re firm believers in goal setting. After all, if you don’t know what you’re looking for there’s not even a chance you’ll find it!

To help we’ve put together an easy-to-follow goal setting and financial refresher EBOOK.

Feel free to download as many times as you like and share with your friends, family and work colleagues.

It’s a Ripple Effect!

DOWNLOAD Free Ebook! 12 Kickstart Ideas To Refresh Your Life And Finances



How to feel more productive and boost your confidence

Posted:10.16.2012

There is one small activity I do on a regular basis that makes a huge difference to my self-belief. It is the act of noting down, in one place, all the tasks I have accomplished during the previous week – both on a personal and professional level. A Week In Review!

For so many of us the weeks fly by and when someone asks us what we’ve been up to we draw a blank…Can you relate? Sometimes you may even beat yourself up because you feel that you’ve not achieved much during the last seven days.

This simple activity will only take you about 10 minutes a week and is one that makes such an impact. It helps:

  • build momentum;
  • gives you a moment to reflect on the week;
  • helps you remember what you have actually done;
  • see if you’ve done the tasks that bring you closer to your goals and aims;
  • gives you a boost to do more in the upcoming week;
  • reminds you that you do have the capabilities to do what you need to (self-belief and self-confidence);
  • and inspires increased productivity.

How To Do Your Week In Review

  1. Put aside 10 minutes at a regular time during the week. I prefer to do it on Friday afternoons.
  2. Have your to do list and diary on hand. It helps if you use some sort of scheduler to remind you of some of the bigger things you did this week.
  3. Choose a place to write up your list. I write mine on my blog. You may just want to keep a document on your computer. Write it down though! It doesn’t have as much impact if you just keep in in your head.
  4. Write down your dot points. Keep it short and sweet – it is easier to maintain. You may have things that are quite big or things that are quite small. For example:
  • Caught up with the girls
  • Cleaned the house
  • Completed website copy draft
  • Went to the gym x3
  • Cooked 4x healthy dinners
  • Read a book
  • Spoke to boss about raise
  • Counselled colleague
  • Sold couch on ebay
  • Volunteered at school
  • Browsed bookshop

5. Read over it one more time. Pat yourself on the back and see what the process has done for yo

Go on, give it a go and make it part of your routine.

Arienne is the content manager for 10thousandgirl and head she at Savvy Sassy She where she muses about life and wants to help everyone wake up to the lives they love and start living it now. A lover of lists , she is one of those people that does something that wasn’t on the daily to do then goes and writes it on just so she can cross it off.

Photo Credit

Life Planning Workshop

Get a life and finance makeover ..and a beauty makeover! The first series of one day Life Planning Workshops are being held at Napoleon Perdis Makeup Academy venues in capital cities from February to June 2010.

More info and register now

Personal Finance Program

Find out more about the one year Personal Finance Program. Available from June 2010, we're looking for girls to jump on the boat early. Provide feedback on each of the modules and receive your program free!

Click here for more info

Share Your Inspiration

Get involved in the discussion! Looking to build your writing portfolio? We're looking for active blog contributors with all kind of fun and exciting rewards and incentives, you'll play an integral part in collating stories and helping us all stay in tune and inspired.
Contact us for more information

  • Stay in touch

    Updates for girls and supporters. Receive your
    free Financial Zodiac Guide when you sign up.

  • facebooktwitterfacebooktwitterfacebook
  • 10thousandgirl Blog

    Financial Education as an Employee Program

    8th May 2013

    Does your employer offer financial education as a workplace employee program? The research paper Weighing The Effects Of Financial Education In The Workplace illustrates a link between improved personal financial behavior and workplace productivity outcomes. Alisdair Barr from financial education employee program provider Future Map says ‘financial education can be delivered in a fun engaging [...]

    Defying The Odds

    17th Apr 2013

    On 7 August 1974, French street performer Philippe Petit walked and danced on a wire he illegally rigged between the New York World Trade Center’s twin towers. Captured in an incredible documentary, Man On Wire, Petit’s six years of planning and preparation to achieve what’s been described as the ‘artistic crime of the century’ is [...]

  • Profiled 10thousandgirl

  • Volunteer

    Contact us for current opportunities

  • Contribute

    Our goal is to raise $1 million to support women in developing countries to launch their own business... this is the ripple effect.
    CLICK HERE TO FIND OUT MORE