A much requested episode with some crucial tips for being able to manage the challenge which is an inconsistent income or how to make the most of every dollar you're getting from your side hustles!

Listen today as I chat about:

• Knowing what it costs to live your life
• How to structure your bank accounts
• Why you need an emergency fund
• Avoiding credit cards and being hands on with your money
• Having back up ways to increase your income

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There's a million ways we can save and make money but sometimes I just cannot be bothered with them... and sometimes I don't think you should bother either.

In todays episode I talk through 5 things that I don't think are worth your time or energy when it comes to saving or earning a $.

Today we talk:

• Surveys and other side hustles
• Taking toll roads
• Keeping rubbish in your house
• Selling your unwanted items
• Supermarket rewards and frequent flyer points

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As the title may suggest in today's episode we are going to be exploring 6 reasons why you should be sorting your money out and getting on top of your finances. If you've been sent this episode by a loving family member or close friend I hope you find one of these reasons compelling enough to start taking your money management seriously, building an emergency fund or even to begin investing and building long term wealth.

This episode was inspired by one of our book club books from 2023, Strong Money Australia by Dave Gow, so some of the points dive into financial independence territory but there is still something for everyone in this ep!

Today we talk the key motivators for being financially savvy including:

• The desire to change jobs, take a break or not trade time for $
• Your level of vulnerability to economic shocks
• Prioritising family and the potential for illness or emergency
• The psychological benefits of having solid finances
• Being able to pursue work you love or volunteer without considering $
• The chance of losing your job

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This episode is inspired by my most recent realisation that I can actually top up my Myki (travel card) with more than $10 at once! Who knew? BUT this made me think about many more ways I can make my life feel just that little bit more luxurious.

In todays episode I talk through 10 things that you can start implementing today to make you feel richer and elevate your life- without really spending anymore money.

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In today's episode we ask the question "is life really too short to worry about money"? Spoiler: you can probably tell that my opinion is that it's never too early to start making smart money moves and thinking about the long term.

Do we actually want to be worrying about money though? Absolutely not! But that is why the earlier we start being strategic with our finances the more we can enjoy life today AND tomorrow!

In this episode I talk:

• Why we need to stop telling people "life is too short to worry about money"
• Impactful saving and investing examples
• How long our life actually is
• Why starting earlier can have such a big impact

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Want to get promoted or land a pay-rise at work? In this episode I discuss everything I did to get promoted after only 6 months of working in my chosen career. This episode outlines easy to do, actions that you can start applying at work as soon as tomorrow. Right now, working to land a promotion and/or a pay-rise could be extra important as we battle the cost of living and inflation.

So learn today how to make small positive changes in your 9-5 as this could be the most beneficial thing you do to increase your earning potential this year!

In this episode I talk:

• What time you should arrive and leave work
• Being positive and solution focused in the workplace
• Not burning out
• Whether you should say "yes" and take on extra responsibilities
• NEVER eating lunch at your desk

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Your HECS-HELP debt is attracting indexation of 7.1% on June 1 and you want to know whether you should pay it off early right? You and everyone else!

In today's episode I talk through some of the reasons for and against making voluntary payments and answer community questions about their student debt.

Today we cover:

• What actually is HECS-HELP debt and how it works
• Reasons for making early voluntary contributions
• Reasons against making early voluntary contributions
• Q&A about HECS-HELP

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Struggling with overspending on clothes? Today we're talking about how reflecting on your style can actually help you to save heaps of $$$ over your lifetime.

Today we're talking:

• Why and how finding your style saves you money
• Questions to reflect upon to help you work out what to buy
• Shopping rules to put in place to support you

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Today it's BOOK CLUB and we are zooming in on 4 lessons we've learnt from our second book of the year and it's "Strong Money Australia: How to gain financial independence and gain a life of freedom" by Dave Gow. 

This book covers the core ideas behind FIRE and financial independence and in today's episode we're diving into 4 unique and interesting perspectives from our March/April book.

Listen to the episode to find out the next book we'll be covering for May/June. HINT: it's a great one for you if you're interested in making the most of your life and money at every single stage from your twenties to your sixties!

Find us on socials to tell me what you loved from the book!

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Wish you always had a bank account full of money to say YES to that next girls trip? Today we're talking about how to guarantee you always have a fund of money available for holidays, pet expenses, shopping or even just boring bills!

Today we're talking:

• Always having money for fun
• How to set up sinking funds
• Why this strategy is for everyone

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The number one thing that I attribute to success when it comes to money goals is the concept of "paying yourself first".

You might think this sounds risky but today I explain why paying yourself before paying any of your bills is one of the best mindsets and strategies you can adopt.

Today we're talking:

• How "paying yourself first" will help you achieve your money goals
• Putting this into action without a budget or spreadsheet
• How to set and forget your saving and investing goals

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Today I'm exposing myself and sharing with you 3 of the biggest mistakes I've made with money in my 20s. I'm sharing what I've done wrong so hopefully you can avoid it and learn from my mistakes!

In todays episode we cover:

• Spending money on holidays and special occasions
• Thinking long term early
• Credit card use

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If you're anything like me, you probably value freedom and peace of mind in your life? This is why you NEED a fuck it fund. It will help you avoid emergencies, take risks and prioritise freedom, change and choice in your life.

Given this, today we're talking realistic emergency funds, why you need them, how much you need and where you should stash the cash.

In todays episode we cover:

• Why emergency funds create freedom for you
• How much you need
• Where to stash your emergency fund
• What to do if you don't have an emergency fund and an emergency hits?

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Interest rate on your home loan just going up and up? Well this episode is for YOU. In today's episode I'm going to talk you through how you're going to save hundreds if not thousands of $$$ per year by making just ONE phone call.

I get it, you're nervous to make the call and frankly have absolutely no idea what to say. Don't stress because this episode is going to take you through step by step exactly what you need to do and say to get a rate review in just one phone call.

In today's episode we talk:

• How to prepare to make the phone call to your bank
• Exactly what to say when you are on the phone
• The next steps to take if you get a rate reduction or if you don't

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I've got a confession to make... I've been feeling really shit about money lately! And for someone who shares how I manage money, this has raised some serious feelings! Truth is, it doesn't matter how good our money management is, we can't be perfect or feel great about money at all times. 

Join me for a candid chat today where I open up about how I'm going with money in 2023 but also share some some helpful tips and mindset shifts for how we can overcome these types of feelings! 

In todays episode we cover:

• The increase in the cost of housing in 2023
• Casual work and variable income
• Money management systems 
• Money mindset and staying focused on long term success 
• Not going into debt and where to get help

Find us on socials and tell me if you've been feeling a bit crap about $$$ too (it will make me feel so much better)!

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Hello and welcome to another episode of Her Money's Worth!

I'm a HUGE advocate for spending less on the boring stuff, so that you can spend more on the fun stuff. Given this, in today's episode I'm talking about 2 ways that you can spend WAY less on your mobile phone bill. 

In todays episode we cover:

• Why having a paid off phone is better?
• Refurbished phones
• Long expiry sim plans 

Find us on socials to tell me what boring expenses you're saving on in 2023! 

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Welcome to a special episode of Her Money's Worth! 

Today it's BOOK CLUB and we are zooming in on 4 lessons we've learnt from our first book of the year and it's "Live the life you want with the money you have" by Vince Scully. 

Although this book covers some fantastic basics of personal finance, in today's episode we're diving into 4 unique and interesting perspectives from our Jan/Feb book!

Listen to the episode to find out the next book we'll be covering for March/April. HINT: it's a good one for you if you're interested in living life on your own terms and using money as a tool to achieve this. 

Find us on socials to tell me what you loved from the book!

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Hello and welcome to another episode of Her Money's Worth!

As far as the finance world is concerned, 2023 is already off to a crazy start! Given this, in today's episode I'm talking about how to survive 2023 financially!

You've probably already noticed that everything is getting more and more expensive and this is because it is! I know I've been feeling the pinch on my wallet for a while now and you may have been too! To help us move through periods like this we need to focus on developing different skills and be aware of optimal ways we can manage our money! In this weeks episode I discuss some things we can work on this year and some strategies we can take into the rest of our lives to help us when times are a tough! 

In todays episode we cover:

• Getting better at the skill of negotiation 
• Paying yourself first 
• Not compromising your goals even when times are tough
• Being aware of where every $ is going 

Find us on socials to tell me what you got from this episode and what you're going to be negotiating in 2023! 

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Hello and welcome to another episode of Her Money's Worth!

This episode continues on from our chat last week about my property buying journey! This week however, we're focusing on how to save the deposit FAST!

You might feel like saving the deposit for a property is going to take you years and years... and honestly it can take a while! But in this episode I'm sharing how I managed to save my deposit within a year and a half and how you can save quickly too. I share my top 5 tips to save the deposit fast without having to sacrifice your entire social life & daily coffee! 

In todays episode I chat:

• Making the deposit your main focus 
• Working out how much $ you need and putting a system in place to ensure you save it 
• Sacrifice and what it looks like 
• How to save on the boring stuff so you can keep the fun stuff 
• Increasing your income to save more & how to approach sustainable side hustling 

Find us on socials to tell me what you got from this episode and how fast you're trying to save for your deposit! 

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Hello and welcome to another episode of Her Money's Worth!

Today I am spilling the details on my journey to buying a property in Melbourne at only 26 years old! 

Looking at buying your own property soon? In this episode I'll dive into the journey of buying my own property in hope this will help you on yours. Whether you're looking for an investment property or a home to live, this candid chat will help you get an idea of the process and potentially get you thinking about whether buying a property is actually for YOU! 

I speak honestly about my beliefs on property before buying and my beliefs now... Spoiler: they've changed a lot and may be a little controversial! 

In todays episode I chat:

• Details of my property and search 
• My motivation to buy a property and why it's not the only way 
• The deposit needed and additional fees when buying property
• My 5 top tips for when you're looking to buy  

Find us on socials to tell me what you got from this episode and how it's changed your thinking!

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