In this episode, Julia talks with Katherine Hayes about all things to do with savings and budgeting. Katherine is a mum to three children and a fully qualified Financial Adviser. We discuss budgets (what a budget is, why it's important to have one and how to create one), how to cut spending, how to save, how we can set and see out savings goals, what things we should save for in the longer term, and superannuation for women. Contact Katherine Hayes from Hayes and Co Insurance Services (formerly Tiffen and Co) at kh@hcis.com.au. Get the ASIC Budget Planner here.  Visit us at Single Mother Survival Guide.