Profile of a Budgeting Mum: Averil Rafferty

Hi, what’s your name? Averil

Any kids? two children aged 2 & 3.5 yrs

Do you work? FT/PT? Bits & pieces

Why do you work? Money and to be creative in a different way to when with children

What are your child care arrangements? Mother in law/friend babysits

How do you manage for money? Not that well – still struggling to get used to massive drop in income!

Do you worry about money? Yes

What do you waste money on? Things I think my children need.

Have you made any big financial changes since having kids? Yes – I shop mainly second hand/go to clothes swops/I cycle when I can/shop in Aldi/use the brown bin to save money/use library instead of buying books

How do you make extra cash? Selling children’s old clothes/toys – doing some marketing for small businesses

Can you share 3 top budgeting tips for other parents?

1. Always have a rainy day fund for when the car breaks down etc

2. Second hand shopping is the way forward but only for items you NEED

3. Shop in Aldi/Lidl – great food and prices


Thanks so much for you answers.


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