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‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a> If you’ve ever calculated cost per wear to justify the price of an expensive dress, or felt like you’ve made a profit after returning an ill-fitting pair of jeans, you might be an expert in <a href="https://www.standard.co.uk/news/world/girl-maths-tiktok-trend-its-basically-free-b1100504.html">“girl math”</a>. With videos about the topic going viral on social media, girl math might seem like a silly (<a href="https://www.glamourmagazine.co.uk/article/girl-math-womens-spending-taken-seriously">or even sexist</a>) trend, but it actually tells us a lot about the relationship between gender, money and emotions. Girl math introduces a spend classification system: purchases below a certain value, or made in cash, don’t “count”. Psychologically, this makes low-value spending feel safe and emphasises the importance of the long-term value derived from more expensive items. For example, girl math tells us that buying an expensive dress is only “worth it” if you can wear it to multiple events. This approach has similarities to <a href="https://www.investopedia.com/terms/m/modernportfoliotheory.asp">portfolio theory</a> – a method of choosing investments to maximise expected returns and minimise risk. By evaluating how each purchase contributes to the shopping portfolio, girl math shoppers essentially become shopping portfolio managers. <h2>Money and emotions</h2> People of all genders, rich or poor, feel anxious when dealing with their personal finances. Many people in the UK do not understand pensions or saving enough to <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/workplacepensions/articles/pensionparticipationatrecordhighbutcontributionsclusteratminimumlevels/2018-05-04">afford their retirement</a>. Without motivation to learn, people avoid dealing with money altogether. One way to find this motivation, as girl math shows, is by having an emotional and tangible connection to our finances. On the surface, it may seem that women are being ridiculed and encouraged to overspend by using girl math. From a different perspective, it hints at something critical: for a person to really care about something as seemingly abstract as personal finance, they need to feel that they can relate to it. Thinking about money in terms of the value of purchases can help create an <a href="https://www.thetimes.co.uk/article/every-time-i-use-my-card-my-phone-buzzes-and-that-stops-me-shopping-ps0fjx6nj">emotional relationship</a> to finance, making it something people want to look after. <figure><iframe src="https://www.youtube.com/embed/GPzA7B6dcxc?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>The girl math we need</h2> Women are a consumer force to be reckoned with, controlling <a href="https://www.forbes.com/sites/bridgetbrennan/2015/01/21/top-10-things-everyone-should-know-about-women-consumers/#7679f9d6a8b4">up to 80%</a> of consumer spending globally. The girl math trend is a demonstration of women’s mastery at applying portfolio theory to their shopping, making them investment powerhouses whose potential is overlooked by the financial services industry. <a href="https://www.theguardian.com/world/2019/oct/28/women-paid-less-than-men-over-careers-gender-pay-gap-report">Women are disadvantaged</a> when it comes to money and finance. Women in the UK earn on average £260,000 less than men during their careers and the retirement income of men is twice as high as women’s. As I’ve found in <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">my research</a> on gender and finance, women have lower financial self-efficacy (belief in their own abilities) compared to men. This is not helped by women feeling patronised when seeking financial advice. Because the world of finance was created by men for men, its language and culture are <a href="https://www.routledge.com/Gender-and-Finance-Addressing-Inequality-in-the-Financial-Services-Industry/Baeckstrom/p/book/9781032055572">intrinsically male</a>. Only in the mid-1970s did women in the UK gain the legal right to open a bank account without a male signature and it was not until 1980 that they could apply for credit independently. With the law now more (<a href="https://www.worldbank.org/en/news/press-release/2023/03/02/pace-of-reform-toward-equal-rights-for-women-falls-to-20-year-low">but not fully</a>) gender equal, the financial services industry has failed to connect with women. Studies show that 49% of women are <a href="https://www.ellevest.com/magazine/disrupt-money/ellevest-financial-wellness-survey">anxious about their finances</a>. However they have not bought into patronising offers and <a href="https://www.fa-mag.com/news/gender-roles-block-female-financial-experience--ubs-says-73531.html">mansplaining by financial advisers</a>. This outdated approach suggests that it is women, rather than the malfunctioning financial system, <a href="https://www.theguardian.com/commentisfree/2020/sep/16/women-are-not-financially-illiterate-they-need-more-than-condescending-advice">who need fixing</a>. Women continue to feel that they do not belong to or are able to trust the world of finance. And why would women trust an industry with a <a href="https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/genderpaygapintheuk/2019">gender pay gap</a> of up to 59% and a severe lack of women in senior positions? Girl math on its own isn’t necessarily good financial advice, but if it helps even a handful of women feel more empowered to manage and understand their finances, it should not be dismissed.  <a href="https://theconversation.com/profiles/ylva-baeckstrom-1463175">Ylva Baeckstrom</a>, Senior Lecturer in Finance, <a href="https://theconversation.com/institutions/kings-college-london-1196">King's College London</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/girl-math-may-not-be-smart-financial-advice-but-it-could-help-women-feel-more-empowered-with-money-211780">original article</a>. </div>

Money & Banking

Mother booted off ride share app for her unusual name

A young Sydney mother has been booted off popular ride sharing app Uber, after they deemed her birth name too inappropriate. Swastika Chandra's first name means good luck and prosperity in her native Sanskrit language, and holds a lot of cultural significance and connection to her Hindu heritage. However, to global transport app Uber, her name was deemed too offensive to be let on the platform, as they said her name violates their terms and conditions. The 35-year-old grew up in Fiji, where she says her name was commonly heard in classrooms throughout her childhood. "It is a very common name. I personally know four or five other girls with the same name," she told <a href="https://9now.nine.com.au/a-current-affair/uber-bans-sydney-woman-from-using-service-because-of-her-first-name/2771dd1f-b9fd-4ba6-8045-671145bc0c02" target="_blank" rel="noopener">A Current Affair</a>. "In school, we had two or three other girls with the same name. It means good luck. It means good things for me." Chandra didn't run into any issues using her name on her birth certificate, Australian citizenship paperwork, her health care card or her driver's licence. However, last October Uber banned her account, claiming her name was a violation of their terms of use due to its appropriation by Adolf Hitler's Nazi Party and neo-Nazis. Coinciding with the start of the Israel-Hamas war, Uber brought in new guidelines on words that could be offensive - including swastika. Inadvertently caught up in the middle of a policy which had the best of intentions, Chandra was told she would have to change her name to get back on the app. "I was putting in an order for food one afternoon and went to the payment stage and this pop-up came up saying, 'Your first name is in violation and you need to change your name on the app'," she explained. Chandra has a deep understanding of her name's very troubling double meaning, but she says the community needs to know the word's origins. "They don't know that the Hindus used it for thousands of years before Hitler used it in the wrong way," she said. "A bit of education, I think, is needed. I'm very proud of my name. I believe in the good that comes with it and I'm not changing it for anyone." Five months later, Uber has backed down from their decision and allowed her to rejoin the app, although it took intervention from Australia's peak Hindu body, The Hindu Council, support from the Jewish community and the NSW attorney-general to make it happen. The Jewish Board of Deputies also backed Chandra's fight, telling A Current Affair: "There is a difference between Ms Chandra innocently using her name and the deployment of a sinister symbol." The young mum has a message for all the other young girls who might have a different name to others, saying "Don't let the past be a stepping stone for your future." "Be proud of your name. It's your identity - it's who you are." Image credits: A Current Affair

Legal

Disabled customer "crushed" by Coles' new smart gate

A customer using a wheelchair has been crushed by Coles' new controversial smart gates, just months after it was rolled out in Aussie stores. The smart gates were added to self-serve check-outs across the country late last year as a security measure against thieves. The gates were installed with a range of other security measures in response to rising theft rates, including "CCTV, electronic article surveillance (EAS), and in some stores new smart gate technology that automatically opens as customers make payment for their products," according to a Coles spokesperson. But on Tuesday a customer, who chose to remain anonymous, said that one of the smart gates “slammed shut” on them and their wheelchair, while they were on their routine shopping trip with their son. After buying a few things the customer said that they were heading to the "wide open" gate, and their son passed through safely. But, when they tried to follow, the gate abruptly closed “hitting” their arms and “crushing” their wheelchair. The gate began to beep and only reopened when the customer pushed their way through. Fortunately, the customer was not injured but wanted to raise awareness on the issue. “I’ll be calling every day until SOMEONE tells me how to avoid being crushed next time,” they said. A few other annoyed customers slammed the "invasive" and "annoying" technology. “One literally snapped shut on our pram as we were pushing our kiddo through,” one person wrote on social media. “I’d walked out the store first, pram and husband following behind. Especially cause they make them too small for you to go side-by-side! “It’s insane, and I refuse to look at any self check out or check out with that in the path.” Another added: “Not long until an elderly person is knocked over by them and breaks their hip or similar." "It’s turning into a jail rather than a supermarket,” a third wrote. Image: Getty

Legal

Secret Santa pays off everyone's Christmas shopping at local Kmart

The festive season is all about spreading joy and love and one generous Aussie has gone above and beyond to make people's day so much better. A Secret Santa at a Victoria Gardens Kmart in inner-city Melbourne, covered the cost of items on lay-by for all of the customers at the local store, making some of them cry tears of joy. "We are overwhelmed by our customer's generosity at this time of year, and want to thank them for their act of kindness towards other members of our community," a Kmart spokeswoman said. "We are proud to call them one of our customers." The customer, who chose to remain anonymous, said that they simply wanted to contribute to something positive this holiday season. The shopper reportedly told retail staff that they "just wanted to do something nice for the community." The exact amount of the donation remains undisclosed, but they revealed that most of the items were Christmas gifts. Image: Tim Boyle/Getty Images

Money & Banking

Amazing money-saving hack hidden in Coles and Woolies Christmas shopping bags

Woolworths and Coles have released specially designed paper bags ahead of the Christmas period, with many praising their multi-purpose usage. The 25 cent bags feature a Christmas design, and are meant to be cut open and reused as wrapping paper for Christmas presents. Shoppers have been sharing their delight at the discovery on social media, with many praising the supermarket giants for encouraging recycling. A member of the North Shore Mums Facebook group shared the revelation, writing, "PSA: the Christmas woolies bags are designed to be cut open and used as wrapping paper." Both Coles and Woolworths bags include cutting lines to help those planning to use them as wrapping this festive season. They added an edit to the post explaining the bags could also be cut into squares around the decorations and used as gift tags. Other alternatives to pricey wrapping paper include tea towels, paper that has been decorated by children in the family or making the most out of reusable gift bags which can be collected and saved for the next occasion. With many families anxious of excess spending during the festive period in the face of the ongoing cost of living crisis, the reusable bags are set to be a welcome hack for those trying to be money conscious this Christmas. Image credits: 9Honey <p style="box-sizing: border-box; margin: 16px 0px 20px; padding: 0px; border: 0px; font-family: 'Proxima Nova', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Fira Sans', 'Droid Sans', 'Helvetica Neue'; font-size: 18px; font-stretch: inherit; line-height: 28px; vertical-align: baseline; caret-color: #333333; color: #333333;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant-caps: inherit; font-stretch: inherit; line-height: inherit; vertical-align: baseline;">

Money & Banking

Top tips to protect your outdoor furniture

If you have outdoor furniture, it’s important to look after it properly so it will stay in good condition over the years. Remember to invest in UV and water-resistant chair covers and pillows in order to ensure you can enjoy your outdoor furniture without the hassle of replacing all your items. Here’s how to care for your furniture. 1. Wooden To get your wooden outdoor furniture ready for use, clean with hot soapy water or a hardwood cleaning fluid at the beginning of the season. If the furniture is very dirty then you can lightly sand the furniture after cleaning. It is a good idea to oil or paint your outdoor furniture after cleaning. If you want your furniture to age naturally, then oil the furniture with two coats and leave to dry for 48 hours. Use hardwood oil for eucalyptus and teak oil for teak furniture. If you want your outdoor furniture to look new, then use a stained oil. If you want to completely transform your furniture then paint with 2-3 coats and it should last for roughly three years. 2. Metal When you wash your metal outdoor furniture be sure to clean it with a non-abrasive cloth. If the furniture is made from steel, you need to treat any scratches that expose the bare metal underneath to prevent rust. If rust has already set it on your furniture, remove it using steel wool and then touch it up using an exterior metal paint of the same colour. If your furniture is made from aluminium, it won’t rust but it may suffer from aluminium oxidation. This won’t decrease the strength of the furniture but it will change the colour of the metal over time. To prevent this from happening, make sure you clean it regularly and store it away or keep it covered during the winter months. One tip to keep your metal furniture in pristine condition is to polish it with car wax after you have finished cleaning it. The wax will help the furniture be more water resistant. 3. Rattan Synthetic rattan is UV and weather-resistant so it won’t be as worn out by the weather conditions. Whenever it needs a refresh, wash with soapy water. It is important to keep an eye on the frame underneath as if that is made from steel rather than aluminium, you will need to abide by the metal care rules. 4. Resin Resin outdoor furniture is fairly easy to look after. Wash it regularly with soap to keep it in great condition. If there is dirt or stains that are particularly hard to get out, then wash your furniture with a pressure washer. Image credits: Getty Images

Home & Garden

These 10 smart grocery swaps can help reverse diabetes

Diagnosis diabetes It can feel daunting to be faced with the need to make a major lifestyle change. You enjoy food, and you should. At Reader’s Digest, we like to think nature designed nutrition to taste delicious so it can be a source of pleasure in your day that’s fun to look forward to. If you’ve been diagnosed with diabetes or pre-diabetes, this diagnosis doesn’t have to take over your whole identity and all the things that bring you joy. There are ways to adapt some of your favourite foods so you can still have them! Registered dietitian Jackie Newgent lists interesting meal swaps you can make so that classic dishes can be healthier, while still plenty pleasurable. With some wisdom and dedication, it can be possible to turn your condition around and feel great for good. Pair starchy with non-starchy veggies Instead of: one kilo potatoes Buy: 500g kilo potatoes plus 500g cauliflower This mashed potato hack keeps your total carbs in check without forgoing flavour. Whip equal parts boiled potatoes together with roasted or boiled cauliflower. The results of this dynamic duo may help you better manage your blood glucose, since they’re carb-friendlier than a huge bowl of mashed potatoes alone: 100 grams of cooked potatoes without skin provides 22 grams of total carbohydrates, versus 13 grams total carbohydrate in the 100 gram combination of cooked potatoes and cauliflower. Pick fruit you can chew <div> Instead of: one litre apple juice Buy: one bag of apples Enjoy whole fruit rather than just the juice whenever possible to get all the fibre of the naturally sweet fruit with its edible peel…plus chewing satisfaction. One medium apple contains 4.4 grams of fibre while a 200ml glass or juice box of 100-percent apple juice has 0.4 grams of fibre. The soluble fibre in apples can help slow down absorption of sugars. Polyphenols in apples may have powerful antioxidant properties. Grill a better burger Instead of: 500g 85% lean ground beef patties Buy: 500g ground chicken breast Gram for gram, chicken breast has significantly less saturated fat than the marbly beef of classic burgers. Specifically, an 85g cooked 85% lean ground beef patty has five grams of saturated fat compared to 0.6 grams of saturated fat for a cooked patty made from 85g of chicken breast meat. Keeping saturated fat intake low is especially important when you have diabetes to help keep your heart healthy. Pro-tip: make chicken burgers juicier and tastier by combining ground chicken breast with a little plain yogurt, rolled oats, and herbs and spices before cooking. Look for live cultures in the dairy section Instead of: one container regular cottage cheese Buy: one container plain low-fat Greek yogurt or cultured cottage cheese Probiotics are “good” bacteria that help keep your gut healthy. For people with type 2 diabetes, research published in Advances in Nutrition suggested that probiotics may also have glucose-lowering potential. So, pop products with live active cultures (probiotics) into your cart while strolling by the dairy aisle. Choose plain low-fat Greek yogurt or cultured cottage cheese. Be sure to read the nutrition labels, since probiotics aren’t in all dairy foods. And, for the lower-sodium pick, stick with yogurt. Choose healthier-sized grain portions Instead of: 1/2 dozen bakery-style plain bagels Buy: one package of wholegrain English muffins Swapping wholegrain in place of refined grain products helps kick up fibre and other plant nutrients. Studies suggests this is linked to lower risk of type 2 diabetes. Also, opting for healthier-sized varieties, such as wholegrain English muffins rather than big bakery-style plain bagels helps cut kilojoules (and carbs) – not enjoyment – while promoting a healthier weight. In fact, you’ll slash over 1000 kilojoules by enjoying a whole-wheat English muffin instead of that oversized 140g bagel. Get your munchies with benefits Instead of: one bag of potato chips Buy: one jar or bulk-bin container of roasted peanuts It’s a no-brainer: a small handful of nuts is a better bet than potato chips. Peanuts, for instance, offer a triple whammy of dietary fibre, plant protein and healthy fat, which can boost satiety. Greater satisfaction means a greater chance you’ll keep mealtime portions right-sized. When peanuts or other nuts are eaten along with carb-rich foods, they can help slow down the blood sugar response. Plus, a Mediterranean study found that higher nut consumption may be associated with better metabolic status. Dress a salad smartly Instead of: one bottle of fat-free salad dressing Buy: one small bottle olive oil plus one small bottle balsamic or red wine vinegar Some bottled salad dressings can trick you. For instance, “fat-free” salad dressing may be loaded with added sugars. (For reference: four grams of sugar is equal to one teaspoon.) So, read salad dressing labels carefully for sneaky ingredients, especially excess salt (over 250 milligrams of sodium per two-tablespoon serving) or added sugars (more than five grams added sugars per two-tablespoon serving). Better yet, keep it simple and make your own vinaigrette using 2-3 parts oil to 1 part vinegar. Select less salty soup Instead of: one can/carton of vegetable- or bean-based soup Buy: one can/carton of low-sodium vegetable- or bean-based soup When compared to people without diabetes, sodium levels were higher in patients with type 2 diabetes, based on a meta-analysis published in European Journal of Nutrition. Curbing sodium intake is beneficial for people with diabetes since too much may increase your risk for high blood pressure. So, slurp up soup that’s low in sodium. And kick up flavour with a splash of cider vinegar, grated citrus zest, herbs, spices, or a dash of hot sauce. Go for "naked" fish Instead of: Breaded fish sticks Buy: Frozen salmon fillets Cut salmon into large cubes, season, and grill on skewers. Or make fish sticks by simply cutting into skinny fillets, season and roast. Why? Research published in Diabetes Care finds that eating oily fish may be associated with a lower risk of type 2 diabetes. Non-oily fish, like the whitefish in fish sticks, didn’t show this link. Salmon is an oily fish and a major source of omega-3 fatty acids, a heart-friendly fat. Plus: when you make your own salmon skewers or sticks, you won’t have extra carbs from breading. Do dip with a punch of protein Instead of: one container of sour cream & onion dip Buy: one container of pulse-based dip, like hummus Wise snacking can be helpful for managing blood glucose. It can also be delicious. Dunk veggies or wholegrain pita wedges into pulse-based dip, like hummus, black bean dip, or lentil dip. Check this out: one-quarter cup (that’s 60 grams) of onion dip has 870 kiljoules, five grams of saturated fat, 1.2 grams of protein, and 0.1 grams of fibre, while one-quarter cup hummus has 590 kilojoules, 1.5 grams of saturated fat, 4.7 grams of protein, and 3.3 grams of fibre. Hummus clearly wins! Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/healthsmart/diabetes/reverse-diabetes-10-smart-grocery-swaps?pages=1" target="_blank" rel="noopener">Reader's Digest</a>. </div> <div class="slide-image" style="font-family: inherit; font-size: 16px; font-style: inherit; box-sizing: border-box; border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </div>

Food & Wine

How to double your money just by shopping during Super-September

Did you know you can effortlessly boost your retirement savings simply by shopping – no strings attached? It might sound too good to be true, but thanks to <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>, a leading cashback provider, this is now a reality. And what's more the process is free, with no ongoing costs, and is incredibly simple. Super-Rewards, a widely recognised program in the industry, operates much like typical cashback programs – but with one key difference: instead of receiving cash in your pocket immediately, your earnings are <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">directed into your superannuation fund</a> for later use. The best part? There are no fees or hidden costs; it's essentially free money when you shop at one of Super-Rewards' 500 <a href="https://go.linkby.com/SNUFMPYC/category/" target="_blank" rel="noopener">online partner stores</a> or 1,000 <a href="https://go.linkby.com/SNUFMPYC/category/instore/" target="_blank" rel="noopener">physical stores</a> across the country – including big names like Apple, Catch, eBay, EnergyAustralia, Virgin Australia, The Good Guys, Petbarn, Big W, Appliances Online, BWS, Adore Beauty and more. Spanning categories like food and drink, health, automotive, clothing, beauty and more, you are literally being paid towards your retirement just for doing the shopping you were going to do anyway. The beauty of Super-Rewards <a href="https://go.linkby.com/SNUFMPYC/how-it-works/" target="_blank" rel="noopener">lies in its versatility</a>; you can link your cashback to any super account with ease. All you need to do is shop through the Super-Rewards app, website, or in-store, using their browser extension. "Boosting your super contributions has never been more crucial, especially in light of recent ASFA research showing an increase in retirement living costs," says Pascale Helyar-Moray, CEO of Super-Rewards. Super-Rewards presents a simple and effective solution for accumulating wealth in your super through everyday spending. "Whether you're male or female, employed or not, earning super has never been this straightforward," adds Helyar-Moray. "Super-Rewards is a 'set and forget' strategy for wealth-building, accessible to all Australians. It's incredibly user-friendly." And now Super-Rewards has launched <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">"Super-September"</a>, during which users can earn a $10 bonus in their Super-Rewards account once they accumulate $10 in cashback between September 1st and October 31st. This offer is open to all Super-Rewards users, and cashback from all Super-Rewards retailers, both online and in-store, is eligible. Helyar-Moray explains, "We want to reward users with $10 for making responsible super contributions through Super-Rewards. While immediate cashback might be tempting, we understand that money spent today can't grow. Our mission is to foster responsible and sustainable wealth creation; we're excited to reward prudent super behaviour by contributing to our users' superannuation accounts." “This is about being smart in how you spend your money. You’re already buying groceries with MILKRUN, purchasing pet food at Petbarn, acquiring appliances at The Good Guys. It’s a no-brainer; you’re undertaking these activities anyway so you may as well be rewarded into your super for doing so, and let the power of compound interest help create a more financially secure retirement for you. It’s super – easy.” <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">The Super-Rewards</a> app is available for download on both the App Store and Google Play. This is a sponsored article produced in partnership with <a href="https://go.linkby.com/SNUFMPYC" target="_blank" rel="noopener">Super-Rewards</a>. Image: Getty

Retirement Income

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

<a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> It’s no secret that the cost of living has increased substantially over the last year, with rises of between <a href="https://www.abs.gov.au/media-centre/media-releases/employees-annual-living-costs-highest-record#:%7E:text=%E2%80%9CLiving%20costs%20for%20employee%20households,per%20cent%20was%20in%201986.">7.1 and 9.6 per cent</a> for all households. So what can households do to manage these increases? It might sound simple, but starting with a budget is the best approach. Even if you already have a budget, price increases mean it will need to be updated. For those new to budgeting, it is just a list of your income and expenses. Make sure you match the frequency of these so you are working out your budget over a week, or a fortnight, or a month. There are plenty of budgeting apps and websites that can help, such as the <a href="https://moneysmart.gov.au/budgeting/budget-planner">Moneysmart budget planner</a>. Once your budget is up to date, you can see your financial position. Do you have a surplus of cash – congratulations! You can save that money to help you in an emergency. But what about if you have less income than expenses? You need to work through a process of figuring out where you can cut back. Some expenses are easy to cut back on: <ul> <li> If you have multiple streaming services, drop back to one at a time. Check for any other subscriptions you might be paying for – if you are not using them frequently, now is the time to cancel. You can always resubscribe when money isn’t tight. </li> <li> If you are spending a lot of money on take out or paying for lunch, find cheaper alternatives such as eating at home and packing a lunch using cheaper ingredients. Switch to tap water for normal drinks, and take a travel cup of coffee with you. </li> <li> Check and see if public transport is cheaper for you. If you are using a lot of fuel and paying for parking, public transport could be a better option. </li> <li> Groceries can be a huge cost for families. It is always worth shopping around to not pay full price. Understand unit pricing and buy the products you use when they are on special. It might be necessary to switch to cheaper products. </li> <li> Check if you are paying too much for your utilities like internet, electricity and gas. There are comparison websites you can use, including the <a href="https://www.energymadeeasy.gov.au/">Energy Made Easy</a> website. You can also make simple changes such as turning off lights and using a saucepan lid when boiling water that will reduce your usage. </li> <li> Check other products you might be paying for, such as car, home and health insurance to see if you can save money by switching. Be careful with any life or disability policies. It is best to speak to a financial adviser before changing those as there can be implications for cover. </li> </ul> Other expenses, like housing, can be a lot harder to manage. Rising interest rates have pushed up mortgage repayments for homeowners. Mortgage interest charges have <a href="https://www.abc.net.au/news/2023-05-03/record-high-living-costs-businesses-contracting-interest-rates/102296992">risen by 78.9% over the year</a> to March 2023. For many homeowners, their repayments are unaffordable compared to when they first took out their mortgage. If you are struggling to afford your mortgage, the first step is to talk to your lender as soon as possible. Moneysmart has <a href="https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage">useful information</a> on what to do when you can’t meet your mortgage payments. You may also be able to <a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/early-access-to-super/access-on-compassionate-grounds/access-on-compassionate-grounds---what-you-need-to-know/">access some of your superannuation</a> so you don’t lose your home, however bear in mind that this is a temporary solution and uses your retirement savings. Increased demand for rentals has seen average rents across Australia increase by <a href="https://content.corelogic.com.au/l/994732/2023-07-05/z2tcd/994732/1688600749Ly8Iv9wt/202306_CoreLogic_RentalReview_July_2023_FINAL.pdf">27.4% since the COVID pandemic</a>. Supply of rental properties is low, which means many people may not be able to find a suitable alternative if their rent increases and becomes unaffordable. It might be necessary to take on a housemate, or move to a cheaper location (make sure to consider additional costs such as transport). If your circumstances have changed suddenly and you cannot pay your rent, contact your landlord or property manager. If you are paying a lot in credit card or other personal debt repayments such as numerous Afterpay-style accounts, it could be a good idea to speak to a bank about consolidating. This can help move some expensive debt, such as that from credit cards, into lower interest debt and simplify your budgeting as there is only one payment. If debt is making your budget unmanageable, then you can call the <a href="https://ndh.org.au/">National Debt Helpline</a> or for First Nations Australians there is <a href="https://financialrights.org.au/getting-help/mob-strong-debt-help/">Mob Strong Debt Help</a>. A final option could be to increase your income by taking on more work. This can be a good solution, but if you already work full time it might be unsustainable. Two common side hustles to boost income are gig work, such as Uber driving, and multi-level marketing, which is selling goods like Doterra and Herbalife to family and friends. However, both are <a href="https://www.twu.com.au/wp-content/uploads/2023/03/McKell_QLD_Gig-Economy_WEB_SINGLES.pdf">low</a> <a href="https://eprints.qut.edu.au/216593/1/MLM_report_Print.pdf">paid</a> and in most cases you would be better off earning minimum wage as a casual employee.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/laura-de-zwaan-180752">Laura de Zwaan</a>, Lecturer, Department of Accounting, Finance and Economics, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/shop-around-take-lunch-catch-the-bus-it-is-possible-to-ease-the-squeeze-on-your-budget-210895">original article</a>.

Money & Banking

"I can't wake Mummy up": Olympian dies at 43

A former Olympic swimmer has passed away suddenly at the age of 43 while on a trip with her family. Helen Smart, a British swimming champion who competed at the 2000 Sydney Olympics, was found unresponsive by her four-year-old daughter Heidi when she tried to climb into bed with her parents. Heidi then woke up her father Craig Smart, saying, "Daddy, I can't wake Mummy up," before Craig discovered his wife lying next to him dead. Smart's mother confirmed the news of her passing, telling the <a href="https://www.dailymail.co.uk/news/article-12413199/Ex-Olympic-swimmer-turned-headteacher-Helen-Smart-dead-four-year-old-daughter-heartbreaking-video-shows-mother-paddleboarding-hours-sudden-death-aged-42.html" target="_blank" rel="noopener">MailOnline</a>, "Heidi had woken up in the night and tried to get into bed with her. She said to her daddy, 'Mummy won't wake up''. He said, 'Oh, she must be very tired Heidi - you go back to bed'." "He put the torch on and he said later that when he looked he could tell." Linda continued, "We're distraught. They don't know what it is but they think it must have happened shortly after she went to bed. She just died in her sleep." Just hours before her sudden passing, Helen and her family had been paddle boarding in the north of England, while on a trip for her brother Robert's 40th birthday. Helen had not been suffering with any illnesses her family knew of. Linda said, "At midnight, she went to bed telling me: 'I'll go to bed now mum as I know I'll be woken at 6am by Heidi. I just want to get some sleep in as I've had a long day.'" Linda was then woken by Robert at 4am who said, "Mum, dad, you need to keep up - we think Helen's died." Smart's father John said he and his wife "can't comprehend how she could simply go to sleep and not wake up." Helen became a school principal after her retirement from swimming and was enjoying her new life. Craig Smart took to her school's Facebook page to say his wife "loved the school, staff, children and parents so much." "She was so proud to reach her goal of being Head Teacher," he continued. "She used to say to me all the time she could never see herself at another school. She was Worsley Mesnes through and through! I remember only last week she said her goal was to get the school to outstanding and that she had the right staff to achieve this!" "I hope you all keep learning like champions. Please learn from this and live your best life, no regrets, take lots of photos, make memories and keep smiling just like Helen always did!" he added. Image credits: Twitter / Getty Images

Caring

Not all mental health apps are helpful. Experts explain the risks, and how to choose one wisely

<a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/nicholas-t-van-dam-389879">Nicholas T. Van Dam</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/piers-gooding-207492">Piers Gooding</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> There are thousands of mental health apps available on the app market, offering services including meditation, mood tracking and counselling, among others. You would think such “health” and “wellbeing” apps – which often present as solutions for conditions such as <a href="https://www.headspace.com/">anxiety</a> and <a href="https://www.calm.com">sleeplessness</a> – would have been rigorously tested and verified. But this isn’t necessarily the case. In fact, many may be taking your money and data in return for a service that does nothing for your mental health – at least, not in a way that’s backed by scientific evidence. <h2>Bringing AI to mental health apps</h2> Although some mental health apps connect users with a <a href="https://www.betterhelp.com/get-started/?go=true&utm_source=AdWords&utm_medium=Search_PPC_c&utm_term=betterhelp+australia_e&utm_content=133525856790&network=g&placement=&target=&matchtype=e&utm_campaign=15228709182&ad_type=text&adposition=&kwd_id=kwd-401317619253&gclid=Cj0KCQjwoeemBhCfARIsADR2QCtfZHNw8mqpBe7cLfLtZBD-JZ5xvAmDCfol8npbAAH3ALJGYvpngtoaAtFlEALw_wcB¬_found=1&gor=start">registered therapist</a>, most provide a fully automated service that bypasses the human element. This means they’re not subject to the same standards of care and confidentiality as a registered mental health professional. Some aren’t even designed by mental health professionals. These apps also increasingly claim to be incorporating artificial intelligence into their design to make personalised recommendations (such as for meditation or mindfulness) to users. However, they give little detail about this process. It’s possible the recommendations are based on a user’s previous activities, similar to Netflix’s <a href="https://help.netflix.com/en/node/100639">recommendation algorithm</a>. Some apps such as <a href="https://legal.wysa.io/privacy-policy#aiChatbot">Wysa</a>, <a href="https://www.youper.ai/">Youper</a> and <a href="https://woebothealth.com/">Woebot</a> use AI-driven chatbots to deliver support, or even established therapeutic interventions such as cognitive behavioural therapy. But these apps usually don’t reveal what kinds of algorithms they use. It’s likely most of these AI chatbots use <a href="https://www.techtarget.com/searchenterpriseai/feature/How-to-choose-between-a-rules-based-vs-machine-learning-system">rules-based systems</a> that respond to users in accordance with predetermined rules (rather than learning on the go as adaptive models do). These rules would ideally prevent the unexpected (and often <a href="https://www.vice.com/en/article/pkadgm/man-dies-by-suicide-after-talking-with-ai-chatbot-widow-says">harmful and inappropriate</a>) outputs AI chatbots have become known for – but there’s no guarantee. The use of AI in this context comes with risks of biased, discriminatory or completely inapplicable information being provided to users. And these risks haven’t been adequately investigated. <h2>Misleading marketing and a lack of supporting evidence</h2> Mental health apps might be able to provide certain benefits to users if they are well designed and properly vetted and deployed. But even then they can’t be considered a substitute for professional therapy targeted towards conditions such as anxiety or depression. The <a href="https://theconversation.com/pixels-are-not-people-mental-health-apps-are-increasingly-popular-but-human-connection-is-still-key-192247">clinical value</a> of automated mental health and mindfulness apps is <a href="https://www.sciencedirect.com/science/article/abs/pii/S1077722918300233?casa_token=lwm1E6FhcG0AAAAA:saV7szbZl4DqbvmZiomLG9yMWi_4-zbmy3QCtQzVEQr957QX1E7Aiqkm5BcEntR0mVFgfDVo">still being assessed</a>. Evidence of their efficacy is generally <a href="https://journals.plos.org/digitalhealth/article?id=10.1371/journal.pdig.0000002">lacking</a>. Some apps make ambitious claims regarding their effectiveness and refer to studies that supposedly support their benefits. In many cases these claims are based on less-than-robust findings. For instance, they may be based on: <ul> <li><a href="https://sensa.health/">user testimonials</a></li> <li>short-term studies with narrow <a href="https://www.wired.co.uk/article/mental-health-chatbots">or homogeneous cohorts</a></li> <li><a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9533203/">studies involving</a> researchers or funding from the very group <a href="https://www.theguardian.com/us-news/2022/apr/13/chatbots-robot-therapists-youth-mental-health-crisis">promoting the app</a></li> <li>or evidence of the benefits of a <a href="https://www.headspace.com/meditation/anxiety">practice delivered face to face</a> (rather than via an app).</li> </ul> Moreover, any claims about reducing symptoms of poor mental health aren’t carried through in contract terms. The fine print will typically state the app does not claim to provide any physical, therapeutic or medical benefit (along with a host of other disclaimers). In other words, it isn’t obliged to successfully provide the service it promotes. For some users, mental health apps may even cause harm, and lead to increases in the very <a href="https://pubmed.ncbi.nlm.nih.gov/34074221/">symptoms</a> people so often use them to address. The may happen, in part, as a result of creating more awareness of problems, without providing the tools needed to address them. In the case of most mental health apps, research on their effectiveness won’t have considered <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9505389/">individual differences</a> such as socioeconomic status, age and other factors that can influence engagement. Most apps also will not indicate whether they’re an inclusive space for marginalised people, such as those from culturally and linguistically diverse, LGBTQ+ or neurodiverse communities. <h2>Inadequate privacy protections</h2> Mental health apps are subject to standard consumer protection and privacy laws. While data protection and <a href="https://cybersecuritycrc.org.au/sites/default/files/2021-07/2915_cscrc_casestudies_mentalhealthapps_1.pdf">cybersecurity</a> practices vary between apps, an investigation by research foundation Mozilla <a href="https://foundation.mozilla.org/en/privacynotincluded/articles/are-mental-health-apps-better-or-worse-at-privacy-in-2023">concluded that</a> most rank poorly. For example, the mindfulness app <a href="https://www.headspace.com/privacy-policy">Headspace</a> collects data about users from a <a href="https://foundation.mozilla.org/en/privacynotincluded/headspace/">range of sources</a>, and uses those data to advertise to users. Chatbot-based apps also commonly repurpose conversations to predict <a href="https://legal.wysa.io/privacy-policy">users’ moods</a>, and use anonymised user data to train the language models <a href="https://www.youper.ai/policy/privacy-policy">underpinning the bots</a>. Many apps share so-called <a href="https://theconversation.com/popular-fertility-apps-are-engaging-in-widespread-misuse-of-data-including-on-sex-periods-and-pregnancy-202127">anonymised</a> data with <a href="https://www.wysa.com/">third parties</a>, such as <a href="https://www.headspace.com/privacy-policy">employers</a>, that sponsor their use. Re-identification of <a href="https://www.unimelb.edu.au/newsroom/news/2017/december/research-reveals-de-identified-patient-data-can-be-re-identified">these data</a> can be relatively easy in some cases. Australia’s Therapeutic Goods Administration (TGA) doesn’t require most mental health and wellbeing apps to go through the same testing and monitoring as other medical products. In most cases, they are lightly regulated as <a href="https://www.tga.gov.au/how-we-regulate/manufacturing/medical-devices/manufacturer-guidance-specific-types-medical-devices/regulation-software-based-medical-devices">health and lifestyle</a> products or tools for <a href="https://www.tga.gov.au/sites/default/files/digital-mental-health-software-based-medical-devices.pdf">managing mental health</a> that are excluded from TGA regulations (provided they meet certain criteria). <h2>How can you choose an app?</h2> Although consumers can access third-party rankings for various mental health apps, these often focus on just a few elements, such as <a href="https://onemindpsyberguide.org/apps/">usability</a> or <a href="https://foundation.mozilla.org/en/privacynotincluded/categories/mental-health-apps/">privacy</a>. Different guides may also be inconsistent with each other. Nonetheless, there are some steps you can take to figure out whether a particular mental health or mindfulness app might be useful for you. <ol> <li> consult your doctor, as they may have a better understanding of the efficacy of particular apps and/or how they might benefit you as an individual </li> <li> check whether a mental health professional or trusted institution was involved in developing the app </li> <li> check if the app has been rated by a third party, and compare different ratings </li> <li> make use of free trials, but be careful of them shifting to paid subscriptions, and be wary about trials that require payment information upfront </li> <li> stop using the app if you experience any adverse effects. </li> </ol> Overall, and most importantly, remember that an app is never a substitute for real help from a human professional.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/211513/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/nicholas-t-van-dam-389879">Nicholas T. Van Dam</a>, Associate Professor, School of Psychological Sciences, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>, and <a href="https://theconversation.com/profiles/piers-gooding-207492">Piers Gooding</a>, Postdoctoral Research Fellow, Disability Research Initiative, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/not-all-mental-health-apps-are-helpful-experts-explain-the-risks-and-how-to-choose-one-wisely-211513">original article</a>.

Mind

"The last male sanctuary": Barber shop campaigns to formally ban women

An Adelaide barber shop which prides itself as "the last male sanctuary", has applied for an exemption to the Equal Opportunity Act, which, once approved, will allow it to formally ban women. The team behind Robbie's Chop Shop took to Instagram to ask over 42,800 of their followers to help with their application to Equal Opportunity SA. In their first pinned post on Instagram, the barber shop posted a photo of the letter explaining that they have applied for an exemption following a complaint made to the commission about their request for women to observe that it is a male-only business. "Unfortunately, this is not the first complaint of this type that we have received, so in order to deal with them once and for all, we have decided to make an application for an exemption to the Equal Opportunity Act," they wrote in the letter. They added that the business prides itself in being able to provide "a safe space for men to discuss their issues", so they applied for the exemption to deal with the complaints once and for all. The business believes that they are "not in breach of the act" if they are able to obtain this exemption. "As part of our application, we would like to include statements from you, our loyal and valued customers, that explain why you love Robbie's Chop Shop, and why you feel that is so important for Robbie's Chop Shop to be a safe space for men to come together and discuss their issues," they pleaded. Their plea has divided followers, while some men and women agreed with them, others seem to disagree with their stance. "I love that this exists and love the safe space you've created for men to unload their weights of the world without being judged and freedom speak up in a space with others that may be facing similar issues," one woman wrote. "I’ll never understand why this is an issue. There are so many women only places around. As a woman I’d much prefer to go to a hair salon than a barber," commented another woman. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CvPYHawy18U/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CvPYHawy18U/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by 💈 Robbie's Chop Shop 💈 (@robbieschopshop)</a> </div> </blockquote> "💯 support - Great idea to have a space for men. In the UK there are lots of ladies/women only spaces and events etc. Don’t see the issue for men having their own space in society as well. 👍" wrote one man. "The concept of the last male sanctuary is not to discriminate against women but to offer a place for men to come and discuss the issues in their lives, in comfort with other similar men," commented another. One person wrote that they hope the business is equally welcoming to non-binary or trans people. "I hope you would welcome trans men, non-binary people and folks of any gender wanting a masculine haircut. We all deserve to feel included and safe to approach businesses knowing we won’t be turned away based on personal attributes we can’t change." "More like Robbie's Mojo Dojo Casa House," another quipped in reference to Ryan Gosling's character Ken establishing the patriarchy in Barbie land in the 2023 Barbie movie. Image: Instagram

Legal

Climb the stairs, lug the shopping, chase the kids. Incidental vigorous activity linked to lower cancer risks

<a href="https://theconversation.com/profiles/emmanuel-stamatakis-161783">Emmanuel Stamatakis</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/matthew-ahmadi-1241767">Matthew Ahmadi</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Many people know exercise reduces the risk of <a href="https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2521826">cancers</a>, including liver, lung, breast and kidney. But structured exercise is time-consuming, requires significant commitment and often financial outlay or travel to a gym. These practicalities can make it infeasible for <a href="https://bjsm.bmj.com/content/42/11/901">most adults</a>. There is <a href="https://www.nature.com/articles/s41591-022-02100-x">very little research</a> on the potential of incidental physical activity for reducing the risk of cancer. Incidental activities can include doing errands on foot, work-related activity or housework as part of daily routines. As such they do not require an extra time commitment, special equipment or any particular practical arrangements. In our <a href="https://jamanetwork.com/journals/jamaoncology/fullarticle/2807734">study</a> out today, we explored the health potential of brief bursts of vigorous physical activities embedded into daily life. These could be short power walks to get to the bus or tram stop, stair climbing, carrying heavy shopping, active housework or energetic play with children. <h2>How was the study done?</h2> Our <a href="https://jamanetwork.com/journals/jamaoncology/fullarticle/2807734">new study</a> included 22,398 <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a> participants who had never been diagnosed with cancer before and did not do any structured exercise in their leisure time. Around 55% of participants were female, with an average age of 62. Participants wore wrist activity trackers for a week. Such trackers monitor activity levels continuously and with a high level of detail throughout the day, allowing us to calculate how hard and exactly for how long people in the study were moving. Participants’ activity and other information was then linked to future cancer registrations and other cancer-related health records for the next 6.7 years. This meant we could estimate the overall risk of cancer by different levels of what we call “<a href="https://pubmed.ncbi.nlm.nih.gov/33108651/">vigorous intermittent lifestyle physical activity</a>”, the incidental bursts of activity in everyday life. We also analysed separately a group of <a href="https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2521826">13 cancer sites in the body</a> with more established links to exercise, such such as breast, lung, liver, and bowel cancers. Our analyses took into account other factors that influence cancer risk, such as age, smoking, diet, and alcohol habits. <h2>What we found out</h2> Even though study participants were not doing any structured exercise, about 94% recorded short bursts of <a href="https://pubmed.ncbi.nlm.nih.gov/33108651/">vigorous activity</a>. Some 92% of all bouts were done in very short bursts lasting up to one minute. A minimum of around 3.5 minutes each day was associated with a 17–18% reduction in total cancer risk compared with not doing any such activity. Half the participants did at least 4.5 minutes a day, associated with a 20–21% reduction in total cancer risk. For cancers such as breast, lung and bowel cancers, which we know are impacted by the amount of exercise people do, the results were stronger and the risk reduction sharper. For example, a minimum of 3.5 minutes per a day of vigorous incidental activity reduced the risk of these cancers by 28–29%. At 4.5 minutes a day, these risks were reduced by 31–32%. For both total cancer and those known to be linked to exercise, the results clearly show the benefits of doing day-to-day activities with gusto that makes you huff and puff. <h2>Our study had its limits</h2> The study is observational, meaning we looked at a group of people and their outcomes retrospectively and did not test new interventions. That means it cannot directly explore cause and effect with certainty. However, we took several statistical measures to minimise the possibility those with the lowest levels of activity were not the unhealthiest, and hence the most likely to get cancer – a phenomenon called “<a href="https://www.sciencedirect.com/topics/computer-science/reverse-causation">reverse causation</a>”. Our study can’t explain the biological mechanisms of how vigorous intensity activity may reduce cancer risk. Previous <a href="https://journals.lww.com/acsm-msse/Fulltext/2017/02000/Brief_Intense_Stair_Climbing_Improves.10.aspx">early-stage trials</a> show this type of activity leads to rapid improvements in heart and lung fitness. And higher fitness is linked to lower <a href="https://www.sciencedirect.com/science/article/abs/pii/S0002934320300097">insulin resistance</a> and lower <a href="https://www.sciencedirect.com/science/article/pii/S0735109704017036">chronic inflammation</a>. High levels of these are risk <a href="https://www.sciencedirect.com/science/article/pii/S0735109704017036">factors for cancer</a>. There is very little research on incidental physical activity and cancer in general, because most of the scientific evidence on lifestyle health behaviours and cancer is based on questionnaires. This method doesn’t capture short bursts of activity and is very inaccurate for measuring the incidental activities of daily life. So the field of vigorous intensity activity and cancer risk is at its infancy, despite some <a href="https://academic.oup.com/eurheartj/article/43/46/4801/6771381">very promising</a> recent findings that vigorous activity in short bouts across the week could cut health risks. In another recent study of ours, we found benefits from daily <a href="https://www.nature.com/articles/s41591-022-02100-x%22%22">vigorous intermittent lifestyle activity</a> on the risk of death overall and death from cancer or cardiovascular causes. <h2>In a nutshell: get moving in your daily routine</h2> Our study found 3 to 4 minutes of vigorous incidental activity each day is linked with decreased cancer risk. This is a very small amount of activity compared to <a href="https://bjsm.bmj.com/content/54/24/1451">current recommendations</a> of 150–300 minutes of moderate intensity or 75–150 minutes of vigorous intensity activity a week. Vigorous incidental physical activity is a promising avenue for cancer prevention among people unable or unmotivated to exercise in their leisure time. Our study also highlights the potential of technology. These results are just a glimpse how wearables combined with machine learning – which our study used to identify brief bursts of vigorous activity – can reveal health benefits of unexplored aspects of our lives. The future potential impact of such technologies to prevent cancer and possibly a <a href="https://www.nature.com/articles/s41591-022-02100-x">host of other</a> conditions could be very large.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/210288/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/emmanuel-stamatakis-161783">Emmanuel Stamatakis</a>, Professor of Physical Activity, Lifestyle, and Population Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/matthew-ahmadi-1241767">Matthew Ahmadi</a>, Postdoctoral Research Fellow, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/climb-the-stairs-lug-the-shopping-chase-the-kids-incidental-vigorous-activity-linked-to-lower-cancer-risks-210288">original article</a>.

Body

How to clean these bathroom items that get overlooked

Cleaning the bathroom will not only make your house feel nicer for but it is important for your hygiene as so many bathroom items are used on a daily basis. Even if your bathtub, shower, tiles and sink is clean, these bathroom items deserve your frequent attention. 1. Toothbrush and toothbrush holder For obvious reasons keeping your toothbrush and toothbrush holder clean is vital to your mouth health. To keep your toothbrush clean, make sure you rinse it well after each use to avoid a build-up of toothpaste. Frequently you should do a deep clean of your toothbrush and this can be done by leaving it in a cup of vinegar for 30 minutes. The vinegar will remove the build of bacteria on your toothbrush. Remember to replace your toothbrush every 3-4 months and then you can use your old one for cleaning. A toothbrush holder can be cleaned thoroughly by putting it in the dishwasher or you can rinse it out in hot water and dish soap to remove the build-up of gunk. 2. Loofah Loofahs do a great of cleaning bodies but it is important to remember to clean them as well. Your loofah can be cleaned by submerging in a 50/50 mixture of hot water and vinegar for an hour. Then leave it to dry. This method can also be used on sponges or wash cloths. 3. Razors It is important to clean your razor as a wet razor can become rusty and a moist blade can cause ingrown hairs and irritation when shaving. To keep your razor in top condition, put some rubbing alcohol on a cotton pad and swipe across your razor. Dry your razor with a towel once you are done and store your razor in a dry place in your bathroom. 4. Toilet brush To give your toilet brush a thorough clean, rest the brush between the toilet bowl and seat after cleaning the toilet. Spray the brush with a disinfectant and then let it sit as it drips for ten minutes or so. Then rinse the brush in very hot water and allow it to drip dry again. The brush holder should also be cleaned with disinfectant and then leaving it for ten minutes and rinsing with hot water. 5. Plunger After each use of the plunger, spray it with a disinfectant and leave for ten minutes and then let it air dry. It is helpful to store your plunger with a plastic bag so that way, after you use it you can put in the bag and then take it somewhere to clean to avoid any dripping. Don’t re-use the plastic bag. Image: Getty

Home Hints & Tips

Shop Smarter and Save Big: Unbeatable Deals on Appliances, Home items, and More in the EOFY Sales!

The end-of-financial year sales are one of the biggest shopping events of the year here in Australia. Our favourite brands across various categories slash the prices by huge margins so that we consumers can grab a bargain. This event takes place every year, and this time round, it may be one of the best yet, with unmissable bargains including the highly-rated <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.canningvale.com%2Ftowels%2Fcollections%2Froyal-splendour%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Canningvale Royal Splendour Towel Sets,</a> which has over 2,500 5-star reviews! Reviewers shared their thoughts: “Love my new towels - they feel like a bit of luxury - great thickness and fluff. Very pleased” and “Beautiful soft lush towels very happy with purchase”. Even the talk-of-the-town Calming Blankets’ best-selling <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fproducts%2Fweighted-blanket&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">adult weighted blanket is $100 off, reduced to $99</a>, so grab it while you can. When it comes to fulfilling your shopping needs, there's no better time than now. Why wait? By seizing this opportunity, you might just save yourself a pretty penny or two. We understand the challenges of navigating sales and limited timeframes to find the best deals, which is why we're here to lend a helping hand. Our expertise lies in uncovering the most enticing offers across various categories as we approach the end of the financial year. Whether you're looking to upgrade your tech and appliances, revamp your home bedding and towels for the colder weather, refresh your wardrobe for the new season, or even explore new beauty products, we've got you covered. Our extensive knowledge enables us to provide you with a comprehensive list of the best deals. So, without further ado, let's dive into our curated selection of deals for you to flick through below. <h2>Home </h2> <img src="https://oversixtydev.blob.core.windows.net/media/2023/05/BeddingSets_byToaHeftibaUnsplash_HERO.jpg" alt="" width="1280" height="720" /> Photo by Toa Heftiba on Unsplash We're approaching the peak of the cold weather, so If your bedding still seems better suited for keeping you cool rather than providing cosy warmth, now might be the perfect time to make a change. While you're at it, why not consider swapping out some home decor pieces as well? Give your space a winter makeover by adding touches of cosiness and incorporating warm colours. <h3>Myer </h3> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fbedroom-sale%3Ffacets%3Dmv--product_type_filter--quilt20covers%252Cmv--product_type_filter--sheets202620pillowcases%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off selected quilt covers and sheet sets</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fsale-tableware%2Fdinnerware--sale%3Ffacets%3Dmv--mfname--heritage%252Cmv--mfname--maxwell202620williams%252Cmv--mfname--robert20gordon%252Cmv--mfname--salt26pepper%252Cmv--mfname--vue%252Cmv--sale_type--402520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">50% off Dinnersets by Maxwell & Williams, Robert Gordon, salt&pepper and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--royal20albert%252Cmv--mfname--royal20doulton%252Cmv--mfname--waterford%252Cmv--mfname--wedgwood%252Cmv--sale_type--252520off%252Cmv--sale_type--302520off%252Cmv--sale_type--402520off%252Cmv--sale_type--502520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a great range of Wedgewood, Royal Doulton, Royal Albert and Waterford</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%3Ffacets%3Dmv--mfname--sheridan%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off the original price of Sheridan</a> House: <a style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;" href="https://www.house.com.au/collections/sale" target="_blank" rel="noopener">Up to 75% off House-wide EOFY Sale</a> Koala: <a href="https://koala.com/en-au/eofy-sale" target="_blank" rel="noopener">Up to 30% off site wide </a> Canningvale: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.canningvale.com%2Fsale%2Fbedding%2Fbedding%3Fis_index%3D0&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% Off in the Big Bedding Sale</a> Emma Sleep: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.emma-sleep.com.au%2Fsale%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 55% off selected products</a> Sheridan: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.sheridan.com.au%2Fsale.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a> Calming Blankets: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.calmingblankets.com.au%2Fcollections%2Fbest-sellers&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off sitewide</a> Bed Bath N’ Table: <a href="https://www.bedbathntable.com.au/products/catalogue" target="_blank" rel="noopener">Clearance Sale Up to 60% off</a> Bed Threads: <a href="https://bedthreads.com.au/pages/bed-threads-sale" target="_blank" rel="noopener">Mid-Year Makeover Sale 15% off Everything</a> Freedom: <a href="https://www.freedom.com.au/c/best-selling" target="_blank" rel="noopener">Absolutely Everything on Sale</a> <a href="https://www.freedom.com.au/c/all-outdoor" target="_blank" rel="noopener">Up to 55% off all Outdoor Furniture</a> <a href="https://www.freedom.com.au/c/all-rugs" target="_blank" rel="noopener">Up to 40% off all Floor Rugs</a> Harris Scarfe: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fcategories%3Fq%3D%3Arelevance%3Acategory%3Aquilts%3Acategory%3Apillows%3Acategory%3Acomforters-coverlets%3Acategory%3Atowel-collections%3AdealType%3AOnSale%3AdealType%3AFRIENDS%2520PAY%2520LESS&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40-60% off all Homewares & Manchester</a> Dymocks: <a href="https://www.dymocks.com.au/books/promotion-winter-sale-june-2023/" target="_blank" rel="noopener">Books for $9.99 in the Winter Sale</a> Booktopia: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.booktopia.com.au%2Feofy-sale%2Fpromo3262.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 75% off top deals</a> My Deal: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.mydeal.com.au%2Fsale%2Fstylish-bedside-tables&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Limited-time deals on bedside tables</a> Adairs: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adairs.com.au%2Fsales%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 30% off</a> <h3>Tech & Appliances</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Jonas-Leupe-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Jonas Leupe on Unsplash Tech and appliances are notorious for their hefty price tags, but their entertainment value or usefulness often justifies the investment. But, due to their high cost, it's wise to hold onto your bank card until the perfect deal presents itself, and that moment might be right now. Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Fappliances-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Appliances by Breville, Sunbeam, Delonghi and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fhome--sale%2Felectronics-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Great savings on Tech by BOSE, Ultimate Ears, FitBit, Garmin and more</a> Dyson: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.dyson.com.au%2Fdeals%2Feofy-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450, plus receive complimentary gifts and additional accessories with selected technology.</a> The Good Guys: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fhisense-75kg-front-load-washer--hwfy7514&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$500 Off! Fisher & Paykel 10kg Front Load Washer - $995</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fsamsung-75-inches-ls03b-4k-the-frame-qled-smart-tv-2022-qa75ls03bawxxy&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$1100 Off! Samsung 75" LS03B 4K The Frame QLED Smart TV 2022 - $2395</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Ftefal-easy-fry-classic-air-fryer-ey2018&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$100 Off! Tefal Easy Fry Classic Air Fryer - $99</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.thegoodguys.com.au%2Fninja-intelli-sense-kitchen-system-ct682&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$30 Off! Ninja Intelli-Sense Kitchen System - $319</a> Appliances Online: <a href="https://www.appliancesonline.com.au/promo/clearance-sale" target="_blank" rel="noopener">Save on Appliances in the Clearance Sale</a> <a href="https://www.appliancesonline.com.au/product/tefal-cy8515-cook4meplus-multi-cooker" target="_blank" rel="noopener">$99 off Tefal Cook4Me+ Multi Cooker + Bonus Gift</a> Bing Lee: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.binglee.com.au%2Fcategories%2Fpromotions%2Fend-of-financial-year-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Huge savings in the Yenda Financial Year Sale</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.binglee.com.au%2Fproducts%2Fdyson-v10-stick-vacuum-394101-01&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">$450 off Dyson V10™ Stick Vacuum, $649 (down from $1099)</a> Kogan: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fdyson-australia-a%2F%3Fdispatch%3Dfree%26order_by%3D-discount%26shipping%3Dfree%26page%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to $450 on Dyson deals</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.kogan.com%2Fau%2Fc%2Fawesome-eofy-sale-tvs-home-entertainment%2Fshop%2Fcategory%2Fled-tv%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Save up to 55% off TV deals</a> Harris Scarfe: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.harrisscarfe.com.au%2Fsearch%3Fq%3Dsmith%2520nobel%3Arelevance%3Acategory%3Akettles%3Acategory%3Atoasters%3Acategory%3Aair-fryers&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off all Air Fryers, Toasters & Kettles by Smith+Nobel</a> <h3>Fashion & Accessories</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/EOFY_Priscilla-Du-Preez-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Priscilla Du Preez on Unsplash Time to give your wardrobe an upgrade for the winter season. Think cosy layers, earthy tones, and clothes that will keep you toasty warm. Find everything you need in the sales below, and get ready to rock that effortlessly stylish winter look! Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-lingerie-sale%2Fwomen-sleepwear-robes-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% Off Women's sleepwear</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fwomen--sale%2Fwomen-handbags-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">FROM $69 EACH Selected women's handbags and wallets by Marcs, Guess, Tommy Hilfiger and more</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-clothing-sale%3Ffacets%3Dmv--sale_type--302520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off a range of men’s fashion</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fmen-sales%2Fmen-shoes-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">NOW $119 EACH Selected men's shoes by Tommy Hilfiger, Lacoste, GANT, Polo Ralph Lauren, Adidas, Calvin Klein, Florsheim and Wild Rhino</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fkids-sale%3Flabel%3D%26facets%3Dmv--mfname--bauhaus%252Cmv--mfname--milkshake%252Cmv--mfname--sprout%252Cmv--mfname--tilii%252Cmv--product_type_filter--coats202620jackets%252Cmv--product_type_filter--knitwear202620sweaters%252Cmv--sale_type--302520off%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">30% off the original price of Kids' jackets, jumpers and cardigans by Milkshake, Sprout, Bauhaus, Tilii and Jack & Milly</a> The Iconic: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.theiconic.com.au%2Fwomens-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off women’s Mega Sale Event</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.theiconic.com.au%2Fmens-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 70% off men’s Mega Sale Event</a> Cotton On: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fcottonon.com%2FAU%2Fco%2Fco-sale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Sale up to 50% off original prices</a> Bonds: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=http%3A%2F%2Fbonds.com.au&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off storewide</a> Seed Heritage: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.seedheritage.com%2Fsale%2Fwoman%2F&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off all sale styles</a> <h3>Health & Beauty</h3> <img src="https://oversixtydev.blob.core.windows.net/media/2023/06/Jocelyn-Morales-on-Unsplash.jpg" alt="" width="1280" height="720" /> Photo by Jocelyn Morales on Unsplash There's nothing quite like treating yourself to something that enhances your health or beauty. If it boosts your confidence, it's definitely a smart investment. After all, you deserve to feel as good as you look, and that's something worth going for! Myer: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 40% off beauty brands</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--calvin20klein%3Flabel%3D%26facets%3Dsv--category--18167%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Calvin Klein fragrances</a> <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.myer.com.au%2Fc%2Foffers%2Fsale-beauty%3Ffacets%3Dmv--sale_type--402520off%252Cmv--mfname--revlon%26pageNumber%3D1&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">40% off Revlon</a> The Iconic: <a href="https://www.theiconic.com.au/beauty-all/?campaign=lp-wmksbh-taf20-2423" target="_blank" rel="noopener">Up to 70% off Beauty products in the Mega Sale Event</a> Sephora: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.sephora.com.au%2Fsale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">15% - 50% off Selected Styles only</a> Adore Beauty: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.adorebeauty.com.au%2Fc%2Fspecials%2Fclearance.html&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 50% off Clearance beauty</a> Shaver Shop: <a href="https://go.skimresources.com/?id=204849X1683982&xs=13&url=https%3A%2F%2Fwww.shavershop.com.au%2Fsale&xcust=sen_eofy_sales_2023" target="_blank" rel="noopener">Up to 80% off</a> Oz Hair & Beauty: <a href="https://www.ozhairandbeauty.com/collections/summer-clearance-sale" target="_blank" rel="noopener">EOFY Up to 70% off sale</a> <em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Editor's note: When you buy something using the retail links in our stories, Over60 may earn a small commission. We do not accept money for editorial reviews, and we only write about products we feel comfortable recommending to our readers. Thank you.<span style="color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">

Home & Garden

Woman finds piece of art history on sale for $8

It’s every thrifter’s dream to find something in an op shop that is being sold for far less than it’s worth. Many frequent their local thrift shops to find hidden treasures from designer brands with a much more reasonable price tag, finally giving them the chance to own a piece of luxury. One experienced thrift shopper has taken this dream to the next level, after she found a series of ceramic dishes in her local Salvation Army store that are a piece of art history. Nancy Cavaliere, a native New Yorker, has shared the story of her ultimate thrifting experience, which began on her way home from work in the summer of 2017. Nancy recalled stopping by the store and browsing for a while before resigning herself to defeat after not snagging a bargain. “I see nothing. I almost leave,” she said in her now-viral TikTok. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/CqTY-WXJ4DM/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CqTY-WXJ4DM/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Nancy Cavaliere (@casacavaliere)</a> </div> </blockquote> However, one more peruse past the china aisle was all Nancy needed for something to catch her eye, as she spied four unusual black plates with geometric faces hand-painted on them, with each plate marked with a $1.99 sticker. “I was going to buy them to make a tablescape,” Cavaliere said in the video. She bought the plates and left the store happy, and began to research her purchase once she got home. The plates, it turned out, belonged to Picasso’s “Visage Noir” series of hand-painted ceramics, produced in a pottery studio in the southern French town of Madoura in the 1940s. “When I tell you I googled this set… and saw how much they were worth and almost cried, passed out—I’m not lying,” Cavaliere said. Nancy then contacted several auction houses in New York, such as Sotheby’s and Christie’s, to have the plates appraised and authenticated. She was told they were each worth $3,000 to $5,000, and the following year, she sold three of her four plates at Sotheby’s for roughly $12,000, $13,000, and $16,000, respectively. “I was in my office at my lunch break watching this live auction go down, crying my eyes out,” she said. The fourth piece, which bears Picasso’s signature, Nancy decided to keep and store in a safe deposit box. Cavaliere plans to sell it in 20 years and give the money to her daughter, perhaps for a trip around Europe. “It’s crazy,” she said, “that I actually own something that Picasso signed for himself.” Image credits: Instagram

Art

Financial guru reveals how to shop at Costco without membership

With the cost of living crisis, people have started abandoning their local supermarkets and heading to Costco to do a shop that doesn't break the bank. While best known for its deals, shoppers must have a membership with the wholesaler, meaning they pay a yearly fee of $60 to shop there. However, one bargain hunter and money-saving expert has revealed how to shop at the supermarket without paying the membership fee. To access a Costco without a membership, shoppers need a shop card, financial guru Little Birdie explained. The cards can be preloaded with any amount from $25 to $999.99, with recipients then able to use them for purchase in store. There is a catch - the cards have to be bought by a current member, and can’t be used online, or in fuel stations, Birdie continued in her TikTok. Currently, there are only 15 stores across Australia. Parents of larger families have reported getting hundreds of dollars off their grocery bills by buying in bulk at Costco. “Every time I go to Costco, my favourite part is seeing how much money I saved. Yesterday was my first trip there in a few years. I spent $593,” one woman wrote on Facebook. “I did a (fake) online order with Coles, selecting equal quantities as what I have purchased at Costco. Coles would have cost me $783.” She claimed the quality of the products, particularly meat, is better than other stores and is the ideal place to purchase expensive dog food in bulk at a quarter of the price. “We actually ended up saving around $35, on approximately six weeks food for our dogs. But the real win is that we have it already, and don't have to get stress when we're running out and all the supermarkets are out of stock!” The wholesaler has served to help many families in desperate times with one woman saying she <a href="https://www.oversixty.com.au/lifestyle/food-wine/groceries-option-even-cheaper-than-aldi" target="_blank" rel="noopener">saved a whopping $600</a> by shopping at Costco. Image credit: TikTok

Money & Banking

“Rip off”: Charity shop blasted over extortionate sale

A local charity shop has come under fire for selling a pair of designer shoes for a hefty sum. The op-shop at Palm Beach on the Gold Coast is selling a pair of gold embellished Christian LouBoutin loafers for $500 after being discounted from $1,483. The eye-watering price tag was posted to Facebook and caused outrage among locals, as the shoes were propped up on a red velvet pillow. A woman by the name of Jo Sherwood posted the image to the Palm Beach community Facebook page, writing, “You know when Palmy has gone really upmarket (sic) … designer shoes at Vinnies.” Despite her claims, a spokesperson for the St Vincent de Paul Society has clarified the designer loafers were not from a Vinnies but another independent op shop in the area. Many were quick to slam the hefty price tag, calling the sale a “rip-off”. “It’s bloody disgusting the prices they charge on anything. I saw a Kmart dress in there last week, they were selling it for more than Kmart sold it for,” another wrote. Others were quick to call out many op shops who seem to have forgotten who they are there for. “Think they need to remember they are selling donated goods, not operating a boutique store,” someone replied. Another said that “all op shops have forgotten that they are meant to be there for the poor people, not just the hipsters.” Image credits: Facebook

Beauty & Style

5 ways to pamper your mum for Mother’s Day

Special occasions seem to come around so often that it can be hard to come up with new and thoughtful gift ideas. Here are five ways to lavish your love on your mum on <a href="https://www.innovations.com.au/p/gifts/mothers-day-gifts?utm_source=over60&utm_medium=nativearticle&utm_campaign=MothersDayGifts" target="_blank" rel="noopener">Mother’s Day</a> that don’t require you to leave the house. 1. Home spa treatment Home spa treatments are a thoughtful and relaxing way to express your love to your mum. <a href="http://www.oversixty.com.au/lifestyle/beauty-style/2014/11/diy-beauty-treatments/" target="_blank" rel="noopener">Over60’s favourite inexpensive DIY beauty treatment</a> includes a face mask and foot treatment. To make your mum feel even more valued during her home spa treatment, gift her with a <a href="https://shop.oversixty.com.au/collections/robes/products/deco-by-linen-house-adult-bath-robe-super-soft?utm_source=Over60&utm_medium=in-article-link-adult-bath-robe&utm_campaign=Over60Shop&utm_content=adult-bath-robe" target="_blank" rel="noopener">new bathrobe</a> as a present. She can wear her bathrobe as her day of pampering continues and it will definitely be a gift she can get good use out of. 2. Make her breakfast or brunch Start Mother’s Day by spoiling your mum with her favourite breakfast. There is no better way to wake up in the morning than with the smell of your favourite hot breakfast cooking away in the kitchen. Don’t let your mum lift a finger and be sure to make the environment as calm and relaxing for her as possible as she enjoys her breakfast with you. 3. Perfect pillow If your mum refuses to accept a gift for Mother’s Day this surprise present idea is perfect. Buy your mum a <a href="https://shop.oversixty.com.au/collections/bedroom?utm_source=Over60&utm_medium=in-article-link-bedroom&utm_campaign=Over60Shop&utm_content=over60-shop" target="_blank" rel="noopener">luxurious bedtime gift</a> that you can leave on her bed. One of our favourite ideas is buying <a href="https://shop.oversixty.com.au/collections/bedroom/products/linen-house-exceed-standard-medium-pillow-900gsm?utm_source=Over60&utm_medium=in-article-link-exceed-standard-medium-pillow&utm_campaign=Over60Shop&utm_content=exceed-standard-medium-pillow" target="_blank" rel="noopener">a new pillow</a> and <a href="https://shop.oversixty.com.au/collections/bedroom/products/linen-house-standard-pillowcase-elka?utm_source=Over60&utm_medium=in-article-link-standard-pillowcase-elka&utm_campaign=Over60Shop&utm_content=standard-pillowcase-elka" target="_blank" rel="noopener">pillowcase</a> and leaving it on her bed to find just before she goes to sleep. You can also leave a mint on the pillow to add a small but thoughtful touch to the idea. 4. Involve the family Days like Mother’s Day are a wonderful opportunity to not only honour mothers but also bring the family together to create memories. Involve younger children in your family by having them bring hand-picked flowers to your mum or gift a home craft activity like beaded jewellery. 5. Make sure she spends the day relaxing If your mum loves it when people do an act of service for her, then be sure to help around the house and do any chores that need to be done for her. Whether that be the washing or vacuuming, lend a helping hand and let her spend the day relaxing on her special day. For more brilliant gift ideas for Mum, check out the full range of <a style="box-sizing: border-box; border: 0px; font-family: Raleway, sans-serif, 'Helvetica Neue', Helvetica, Arial; font-size: 16px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; color: #d90000; text-decoration-line: none; background-color: #ffffff;" href="https://www.innovations.com.au/p/gifts/mothers-day-gifts?utm_source=over60&utm_medium=nativearticle&utm_campaign=MothersDayGifts" target="_blank" rel="noopener">Innovations Mother’s Day Gift Ideas here</a>. Image: Midjourney

Home & Garden

Mum of four saved by her smartwatch

Ricki-Lee Wynne was gifted a smartwatch from her husband for her 40th birthday and she believes that without it, she wouldn’t be alive today. "There's no doubt that my smartwatch saved my life," she told 9news.com.au. Months prior to receiving the watch, Wynne had been experiencing strange health problems. "I was getting a pain over my shoulder blades and it hurt each time I breathed in," she said. Doctors were confused and Wynne was in and out of hospital having several X-rays, scans and blood tests in an attempt to find the underlying issue. Wynne also had an echocardiogram to test the functioning of her heart, all of which appeared normal. "The doctors were not sure what it was. They thought it could be a low-grade blood cancer," she said. The pain subsided for a little while but soon enough Wynne’s breathing problems returned. "I woke up one day and I couldn't breathe properly. I was just walking into work and I was thinking, 'Gosh, I can't get enough air into my lungs,'" she said. "I couldn't walk from one side of the room to the other without being short of breath. "I went to my GP and had an x-ray done, but nothing showed up.” That’s when Wynne noticed her smartwatch was acting up. "I'd been struggling with my watch for days to try and get the heart rate to show up," she said. The heart rate function of her smartwatch had never been an issue before, but now it was struggling to pick it up. "It was saying you need to change the position to measure a pulse," she said. "My chest was also feeling kind of wobbly for a couple of nights when I went to bed.” Despite her X-ray showing coming up clear, Wynne said she went back to see her GP and told him she was worried something was really wrong. "I just said to him, 'Even my heart rate isn't right, look at my watch,' and I showed it to him.” Wynne’s GP sent her off for an ECG which showed her heart rate had dropped to just 29 beats per minute, a major cause for concern. "As soon as I had the ECG, I had the doctor call me back and say you need to go straight to Box Hill Hospital," she said. "I was told at the hospital that if I hadn't come in I would have just died in my sleep. "I would not have woken up and my heart would have stopped.” Wynne was then fitted with an emergency pacemaker and eventually diagnosed with a rare auto-immune disorder called sarcoidosis, a condition that causes inflammation in different parts of the body, most commonly the lungs. Doctors believe Wynne's Sarcoidosis moved from her lungs to her heart, causing her to become extremely ill. She still has the pacemaker in and combined with medication, her health has improved significantly. It’s safe to say Wynne won’t be taking off her smartwatch any time soon. Image credit: Shutterstock

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‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

Mother booted off ride share app for her unusual name

Disabled customer "crushed" by Coles' new smart gate

Secret Santa pays off everyone's Christmas shopping at local Kmart

Amazing money-saving hack hidden in Coles and Woolies Christmas shopping bags

Top tips to protect your outdoor furniture

These 10 smart grocery swaps can help reverse diabetes

How to double your money just by shopping during Super-September

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

"I can't wake Mummy up": Olympian dies at 43

Not all mental health apps are helpful. Experts explain the risks, and how to choose one wisely

"The last male sanctuary": Barber shop campaigns to formally ban women

Climb the stairs, lug the shopping, chase the kids. Incidental vigorous activity linked to lower cancer risks

How to clean these bathroom items that get overlooked

Shop Smarter and Save Big: Unbeatable Deals on Appliances, Home items, and More in the EOFY Sales!

Woman finds piece of art history on sale for $8

Financial guru reveals how to shop at Costco without membership

“Rip off”: Charity shop blasted over extortionate sale

5 ways to pamper your mum for Mother’s Day

Mum of four saved by her smartwatch

Our Partners

News

Shop

Catalogues

Newspaper

Contests

Entertainment

Travel

Health

Lifestyle

Finance

Property

Compare

Games

Information

Keep up to date

Search

‘Girl math’ may not be smart financial advice, but it could help women feel more empowered with money

Mother booted off ride share app for her unusual name

Disabled customer "crushed" by Coles' new smart gate

Secret Santa pays off everyone's Christmas shopping at local Kmart

Amazing money-saving hack hidden in Coles and Woolies Christmas shopping bags

Top tips to protect your outdoor furniture

These 10 smart grocery swaps can help reverse diabetes

How to double your money just by shopping during Super-September

Shop around, take lunch, catch the bus. It is possible to ease the squeeze on your budget

"I can't wake Mummy up": Olympian dies at 43

Not all mental health apps are helpful. Experts explain the risks, and how to choose one wisely

"The last male sanctuary": Barber shop campaigns to formally ban women

Climb the stairs, lug the shopping, chase the kids. Incidental vigorous activity linked to lower cancer risks

How to clean these bathroom items that get overlooked

Shop Smarter and Save Big: Unbeatable Deals on Appliances, Home items, and More in the EOFY Sales!

Woman finds piece of art history on sale for $8

Financial guru reveals how to shop at Costco without membership

“Rip off”: Charity shop blasted over extortionate sale

5 ways to pamper your mum for Mother’s Day

Mum of four saved by her smartwatch

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