Life Admin Life Hacks

Latest Episodes:

051: Michael Grose on upskilling your kids to contribute Oct 05, 2021

Show notes

We chatted with parenting expert Michael Grose about how we can get our kids to contribute more, relieve the life admin burden and grow up to be efficient at their own life admin.

Michael Grose, the founder of Parenting Ideas, is one of Australia’s leading parenting educators, informing and inspiring audiences in Australia and around the world for more than 20 years. Micheal is a former primary school teacher with 15 years of experience. He holds a Master of Educational Studies specialising in parenting education and is the father of three children He is a bestselling author of 12 books for parents including Spoonfed Generation, Thriving!, Anxious Kids and his latest re-release Why First Borns Rule the World and Later Borns Want to Change It. Michael has had parenting segments on The Project, The Today Show, Weekend Sunrise, ABC radio and more. He has contributed to Huff Post, Kidspot and Mamamia, and is a former columnist with both News Ltd and Fairfax newspapers.

What we talk about

Our recent survey of over 300 Australians revealed that parents do 33% more life admin than those without kids, and they are twice as likely to struggle for time. During the interview, we chat with Michael about:

how parents often underestimate what their kids can do by up to three years
that we should never regularly do for our kids what they are capable of doing for themselves
that kids want more autonomy and independence
that as family sizes have shrunk we know more about each of our children, and so we give them less space to become more independent
being aware of developing independence and providing small opportunities for kids to feel and be useful
starting where your kids are at and pushing them along over time
developing a 'junior version of the game' (eg like Auskick for AFL) for life admin and housework and setting the standards based on their age and stage
that we need to not rescue kids so they can learn from their experience
accepting what kids do as a reasonable standard if they have tried their best
that pocket money is a great way to increase autonomy and independence and you can start from age 5
deciding what your benchmark will be in your family for handing over responsibility for a task (eg when they make their own lunch)
thinking about sharing the 'jobs and the joy' and wealth within your family
using a roster to allocate chores to create the sense that the roster is creating the “ask” rather than the parents
when kids start asking for more independence we can look at ways that we can make it happen by giving them the skills they need to do at least part of the task
pets are great to teach kids what it is like to have someone else reliant on them
thinking less about the amount of time that kids are spending on screens and more on what they are consuming and what the opportunity cost is (what else could they be doing)
teenagers need parents who will challenge them
that gender and birth order can create different expectations
girls are often more organised at a younger age and boys may need more coaching, due to the way the brain develops differently between the genders
firstborns tend to be more detail-orientated and introverted
there are three aspects to consider when parenting - a child's genetics & temperament, birth order and the family frame that sets the landscape for everything else.

Resources

Parenting Ideas website

050: State of the administration Jun 16, 2021

Show notes

Get up to speed with the good, bad and ugly state of Mia and Dinah's life admin.

Since Mia and Dinah have been writing their Life Admin Life Hacks book they have optimised their life admin processes even further. In this episode they bring you up to speed on their life admin systems with a focus on the foundational tools: password manager, cloud storage and dedicated email, scheduling, lists and budgeting.

A password manager is an essential foundation for life admin. Dinah has continued to use Last Pass Families and Mia uses Keeper. They recommend:

if you don’t have a password manager you should start a free trial
if you need some help setting up your password manager you can watch YouTube videos to step you through the process.
installing a Chrome browser extension on your computer to make it much easier to access passwords on your PC or Mac and allow auto-filling of login details
all important documents (eg copies of passports and Medicare Cards) are uploaded to your password manager, given its high security and encryption
setting up a legacy contact in your password manager so that if you become incapicated or die your passwords can be accessed to manage your digital estate.

The second foundational life admin tool is having cloud storage and a dedicated life admin email. Mia and Dinah both continue to use Google Drive. They recommend:

a separate dedicated email for life admin to keep life admin in a separate, defined space and to more easily share the load with your partner or coparent
if you have had a cloud storage setup for some time it might be time for a digital declutter to get rid of anything no longer required.
trying different mail apps on your phone to make it easier to save things into your cloud storage - Dinah uses the Gmail app to make it seamless to save files into her life admin Google Drive.

Another foundational life admin element is a shared digital calendar and scheduling. Mia and Dinah both use Google Calendar but Dinah uses the Outlook app on her phone to make it easier to view her work and family calendar together.

Mia loves lists! She uses:

the iPhone Reminder app for her to-do lists
the iPhone Notes app for reference Llsts including her meal plan and shopping list
to-do lists that are categorised by the duration of the task: “Ten Minute Time Killer” tasks and “Hour of Power” for more complex tasks

Dinah also uses the Reminders app as she can easily share the lists with her husband and use Siri to easily add to the lists on the go.

Budgeting is the final element of the life admin system and is essential given its links to comparison shopping for household bills. Mia uses the Money Brilliant app while Dinah uses defined bank accounts to help live within her targeted savings goals.

There have been quite a number of changes to other areas of life since the various episodes were recorded. These include:

Home loans - lowest interest rates since the 1970s - make sure you compare the rate you’re paying against the average interest rate on Moneysmart.gov.au. If your rate looks high at a minimum, call your bank and ask whether they can offer you something more competitive. If you want to invest more time and reap more savings then call a mortgage broker.
Energy - always on comparison services are now possible such as Energy Umpire. Most con

049: Maintaining your car Jun 02, 2021

Show notes

This episode will give you Mia and Dinah’s top hacks for fuelling the admin for your car maintenance and repair.

The average two-car household in Australia spends around $17,000 or 13-14% of their income per year on car-related costs, so keeping on top of all your car admin not only saves you money but also gives you peace of mind that your car is in good repair.

In this episode Mia and Dinah discuss:

Car registration (“rego”)
Insurance
Service and repairs.

In recent years, all states of Australia have abolished car registration stickers and so it is important to ensure you have a good system to make sure you receive your registration payment reminder so you don’t inadvertently drive without. You can set up your preferred method of bill notification by logging into your state's vehicle registration organisation, such as Vicroads or Transport for NSW.

When thinking about car insurance, Mia and Dinah discuss the things you need to consider:

if you need comprehensive or third party insurance
if you want to insure for agreed value or market value
cover for personal property (eg child seats in the car)
road assistance to be included
how far you will drive as you may be able to get a cheaper premium
if choice of repairer and provision of rental car is important to you
who will be the primary driver - this does not need to be the owner
increasing your excess can be a great way to reduce your premium
paying annually in advance is another good way to reduce your premium.

The comparison sites Mia and Dinah recommend to compare car insurers are Canstar, Choice and Finder.

When getting your car serviced things to keep in mind are:

you don’t need to go to the authorised dealer to get your car serviced - any qualified mechanic can service your car and fill out the log book as long as they're using quality parts
it is important to do your regular service to keep your car in good working order and save $ in the long run even if you aren’t regularly using your car
add a reminder to you to-do list for 6-8 weeks before the service is due to book your car in so you can get the day/time of your choice and have the best chance of securing a loan vehicle (if available)
capped price servicing often does not include critical service items and may not provide the best value.

For regular car maintenance:

check your car owners manual to see how often and what regular checks you should do on your car (eg checking oil, tyre pressure, tyre tread)
establish a system of when you will check, consider pairing it with something else or adding it to a to-do list
buy a tyre pressure gauge so you can check you pressure at home and it will be more accurate that the gauges available in petrol stations
consider getting your tyres rotated and balanced every 5,000kms to lengthen their life.

You can also consider if you need to own a car or have two cars in your household. Car share services like GoGet, Flexicar, Popcar and ride share services like Uber may provide a viable alternative for you.

RESOURCES

Get Reminded App - App to set reminders for when bills are due

Choice

Canstar

048: Navigating government benefits May 19, 2021

Show notes

This episode will give you Mia and Dinah’s top hacks for navigating Australia’s government payments and allowances.

There are over 26 different payments and benefits available from Centrelink. Mia and Dinah talk about the 8 broad categories of payments available:

families with children
age pensions
disability support
carer support
study-related support
unemployment support
crisis and special benefits
concession cards and bonus payments.

They discuss the best place to start to assess if you are available for any payments or benefits is the Centrelink Payment and Service Finder. This service available on the Centrelink website allows you to enter your details and then suggests what payments you should investigate. It also suggests other supports such as help lines, community groups, advocacy networks and associations that may be relevant to your situation. In particular other services which you may be eligible which are relevant to life admin include:

Financial counselling
Department of Human Services Financial Information Service
Legal aid
Microfinance small loans

Mia and Dinah talk about some of the payments you may be eligible for including:

Family Tax Benefit Part A and Part B - tax benefit for single parents or couples with children based on your income level and number of children
Paid Parental Pay - pay to help parents spend time at home with a newborn or recently adopted child
Child Care Subsidy - assists families with the cost of approved child care
Carer Payment - supplement paid to someone who provides daily care and attention at home to a person with a disability or medical condition
Austudy - payment for those 25+ returning to university to do a degree
Jobseeker - financial help if you're between 22 and Age Pension age and looking for work

Mia and Dinah talk about some of their top hacks for navigation the system including:

if you know your circumstances are going to change, plan ahead to assess what you need to do to be eligible for relevant payments or services
if you need to call the Centrelink call centre don’t call on Monday - the best times are usually Wednesday and Thursday in the morning
if you have a complicated situation do your research, collect all your documentation and then make an appointment to see a Centrelink representative
keep all your records accessible in your life admin system to make ongoing management of the payment easier.

RESOURCES

Services Australia - Guide to Government Payments

Centrelink - Payment and Service Finder

ATO - Government payments, pensions and allowances that must be declared on your tax return

Please head to e Life Admin Life Hacks Facebook or Insta pages to connect with listeners and share your thoughts, questions or suggestions.

047: Organising home maintenance and repairs May 06, 2021

Show notes

This episode will give you Mia and Dinah’s top hacks for managing maintenance and repairs to your home.

While completing home maintenance and repairs is not life admin, planning it, scheduling it, organising equipment and supplies and finding and engaging tradespeople are all squarely life admin tasks you have to do.

Mia and Dinah start the ep by discussing how you can get motivated to tackle this. Strategies they discuss include:

reframing home maintenance as a quest for beauty within the sanctuary of your home to elevate it from the humdrum
considering the costs you will save by attending to small maintenance items before they result in a need for major repairs
improving household harmony by establishing a system so you can share responsibilities with your partner
ensuring the safety of your home
considering the environmental impact saving energy can have.

Mia and Dinah discuss hacks for:

establishing seasonal reference lists for household and garden maintenance
having a to-do list for minor repairs so you can batch them
scheduling in your important recurring maintenance tasks
establishing the minimal acceptable standard for tasks so you can minimise disagreements with your partner and more easily share the load
making sure you understand what is included within your home insurance including possible access to home assist services
considering subscribing to home assist services like RACV Home Assist to get easier access to tradespeople 24/7
learning how to do repairs and maintenance by using Youtube or doing a course
having a list of contacts for tradespeople and other outsourced suppliers so you can readily access an outsourced provider when needed.

They also discuss the equipment you may need for home repairs and maintenance and that you don’t need to buy to save money and storage space. Other options include:

borrowing from neighbours, friends and family
community tool libraries
peer to peer services like toolmates.com.au
renting from hardware stores.

RESOURCES

The Architecture of Happiness - Alain De Botton
Fair Play - guidance on establishing a minimum acceptable standard
Home Maintenance schedule example
Ep 4 - Mastering To-Do Lists
Ep 022: Outsourcing personal and household tasks
Tool Mates

Note that the Open Shed tool sharing app mentioned in the episode is unforutnately no longer available.

Please head to e Life Admin Life Hacks Facebook or Insta pages to connect with listeners and share your thoughts, questions or suggestions.

046: Reviewing your superannuation Apr 25, 2021

Show notes

This episode gives you Mia and Dinah’s top hacks for reviewing your superannuation and related insurances.

It’s easy to slip into a ‘set and forget’ mode for superannuation. Almost 70% of Australians don’t make an active choice and opt for their employer’s default superannuation fund plus there is more than $17 billion in lost super across 6 million accounts. Given that around 10% of your income is going there, it’s important not to ignore it. If you are a woman, engaging with your superannuation is particularly important: more than 80% of women are currently retiring with insufficient superannuation savings to fund a comfortable lifestyle, with average retirement balances of $80,000 less than the average for men.

Mia and Dinah talk about using retirement calculators to motivate you to get more engaged with your superannuation.

Mia and Dinah also discuss good times to review your superannuation and talk through some of the financial fine print and jargon including:

types of superannuation funds: accumulation funds, defined benefit funds, self-managed superannuation funds
various investment option types: growth, balanced, conservative, ethical – and the things you should consider when deciding which option might be right for you
types of insurance and why insurance through superannuation might be better value for you
nominating beneficiaries to ensure your superannuation and insurance benefits would be distributed in accordance with your wishes if you pass away

They walk through the key steps in reviewing your superannuation and assessing if you may want to switch including:

checking for lost super – log into MyGov and look in the ATO section/Super tab – any super accounts in your name will be listed, including those you’ve lost or forgotten – you can then choose to consolidate them into one account to save on fees
reviewing your current fund to understand your current balance, investment options, fees and insurance coverage and premiums
looking at fund performance over a 5-10 year period
comparing your fund’s fees and performance on comparator sites such as canstar.com.au, RateCity.com.au and Morningstar.com.au
calling your current fund and possible new funds before switching to ensure you understand the differences in insurance coverage.

If you decide to switch funds the key step are:

setup your new superannuation fund first
advise your employer of the new fund details
ensure your employer is making contributions to the new fund
complete paperwork with your new fund to rollover your old fund into your new fund

Don’t forget to set up your online access and save all the details into your password manager.

LIFE ADMIN RESOURCES

Retirement Tracker

MyGov.gov.au

canstar.com.au

Episode 30: Sorting out Life Insurance

Please head to the Life Admin Life Hacks Facebook page to connect with listeners and share your thoughts, questions or suggestions.

045: Tracey Spicer on upskilling your kids to contribute at home Apr 06, 2021

Show notes

We interview Tracey Spicer, longtime broadcaster and recent NSW Premier's Woman of the Year, on how she and her partner organise and share their home life and careers.

Tracey Spicer AM is a multiple Walkley Award-winning author, journalist and broadcaster who has anchored national programs and in 2018 was chosen as one of the Australian Financial Review’s 100 Women of Influence . In 2019 she was named the NSW Premier’s Woman of the Year, accepted the Sydney Peace Prize alongside Tarana Burke for the Me Too movement, and won the national award for Excellence in Women’s Leadership through Women & Leadership Australia. Her first book, The Good Girl Stripped Bare, became a bestseller within weeks of publication, while her TEDx Talk, The Lady Stripped Bare, has attracted more than six million views worldwide.

What we talk about

During the interview, we chat with Tracey about:

organising holiday care for children
how Tracey enlisted her seven-year-old daughter to help her with tax receipts
enlisting the children to assist with life admin, cooking and other household chores
how she is determined to teach non-traditional gender roles to her children
how her husband has taken control of house cleaning and comparison shopping in their household
how habit, necessity and seeking advice has helped her take control of her taxes
her approach to what she is happy to outsource
the importance of having a conversation with your partner to reset expectations
how her kids take responsibility for planning, shopping and cooking one meal each week
investing the effort and time to upskill your children into contributing to your household life admin
using a shared digital calendar to coordinate family logistics
simplifying life to reduce the number of decisions she needs to make.

RESOURCES

Please head to the Life Admin Life Hacks Facebook page to connect with listeners and share your thoughts, questions or suggestions.

044: Planning your digital estate Mar 25, 2021

Show notes

In this episode, we interview Anna Hacker, the host of the ‘What Happens When I Die?’ podcast, about digital estate planning.

Anna Hacker is the National Manager of Estate Planning in the Trustees Services arm of Australian Unity. She trained as a lawyer and is an accredited specialist in Wills & Estates.

She hosts the popular podcast “What Happens When I Die?” which explores the legal outcomes of dying. In each episode, Anna is joined by guests to discuss what happens to your kids, your superannuation, your stuff and even your body after you pass away

What we talk about

During the interview, we chat with Anna about:

The complexities of your digital footprint including photos, access to banking, digital files in the cloud, email accounts, passwords, social media accounts
The rules for different email providers on how to access email accounts after you have died
Making sure you don’t put passwords in your will as it becomes a public document
Ghosting - identity theft after you die
Appointing a digital executor - to ensure they have the skills needed to deal with digital assets
Preparing a Digital register to include with your statement of wishes, including the location of digital assets and making sure it is kept updated
Using a password manager to grant access to a loved one in case of death or incapacitation
Understanding the rules of the various social media platforms and setting up a legacy contact on Facebook
Sorting out your files and photos and having a conversation/death talk about what is important and where they can be found
Making sure you update your will when there are key life events or changes.

RESOURCES

Please head to the Life Admin Life Hacks Facebook page to connect with listeners and share your thoughts, questions or suggestions.

043: Carly Jacobs on productivity, habits and planning Mar 10, 2021

Show notes

In this episode we interview Carly Jacobs, host of the Poductivity podcast, about the little habits that support a big life.

Carly Jacobs has written in the self-improvement space for well over a decade, and we talk to her about her experiments and habits related to life admin and household harmony.

During the interview, we chat with Carly about:

how completing her tax return as a teenager started her love of organisation
finally paying for a Dropbox account to store all her digital files (although she still has a concertina file)
how wasting time is her biggest pet peeve
using the Moleskin Time Page and Actions apps to manage her calendar and to-do lists
bullet journalling
managing each day with a work to-do List and personal to-do list
using an hourly rate to value her time to decide what tasks to outsource
her love of robot vacuums and AirPods
using time blocking to make the most of your time
how planning is more important when you live in the country.

LIFE ADMIN RESOURCES

Please head to the Life Admin Life Hacks Facebook page to connect with listeners and share your thoughts, questions or suggestions.

042: Optimising your frequent flyer points Feb 23, 2021

Show notes

Dinah and Mia interview frequent flyer expert, Daniel Sciberras, from PointHacks.com on the best way to earn and redeem points for maximum value as well as credit card features that help build your balance fastest.

During the interview we chat with Daniel about:

choosing which frequent flyer programs to belong to based on your own travel patterns
understanding the value of your points based on how you will redeem them
the value of using reward points for routes where there is no competition
the flexibility of reward flights booking particularly during these COVID times
the value of frequent flyer points and how it varies
earning points through spending “on the ground”
the best way to earn points through premium credit card bonus offers
swapping credit cards every three to four months to make the most of offers available
what is a good earn rate for a points-linked credit card
earning Qantas points while you sleep
what to say when you call your bank to try to get them to waive the annual card fee
keeping track of your expiring points and the difference between “hard” and “soft” expiries
using the Qantas and Velocity shopping sites for online shopping to boost your point balance and keep your accounts active
hacks to buy points from alliance airlines
the future of reward points programs
his spreadsheet to keep track of all his reward points accounts, balances, and expiry dates.