Do you find that you have the best intentions to save money, but a lot of the time life tends to get in the way? It’s the constant balance between “you only live once” and “you need to save money.” But sometimes the “you only live once” keeps happening and then when you find yourself in a money pickle, you have $0 in your rainy day fund to help you out! So in this ep, we chat about 5 money traps that you might keep falling for and what you can do about them!

You know all the benefits of having a budget. You know that a budget can help you stay on track to achieve your financial goals and get rid of any debts that you have accumulated. Then why do you keep putting off creating a budget!?

It might be because you don’t really have a clear reason, or as we like to call it, your why. If you don’t know your why then you probably won’t have any motivation to start or stick to a budget. After all, budgets don’t give you instant results, so working towards a goal will help you stay on track. For some more tips and tricks on how to motivate yourself to start a budget, check out this episode!

Have you got a potential opportunity where you will make more money but at a cost of work-life balance? Are you trying to decide what you want to study at university and are wondering how much weight to put on earning potential and job prospects money-wise? Then this is the episode for you! Hal shares a brilliant exercise that can help you navigate and make career decisions.

Somehow the universe decides that ALL of the big events in your friend’s and family’s lives end up in close proximity to one another. While it is fabulous to celebrate your nearest and dearest, the widening hole in your pocket isn’t as nice! So how can you buy the most amazing, thoughtful gifts in the world but at a fraction of the cost? Listen to our latest episode for 5 tips and tricks that will transform you into the savviest but best gift giver ever!

This episode is for all the “yes” people out there! We all love a bougie dinner as much as the next person, but when your calendar is getting booked out it can be stressful for your budget as well as your well-being. If you are always saying “yes” to everyone - not because you want to, but because you feel like you have to or feel bad saying “no,” then give this episode a listen. It’s time to start prioritizing you!  

Fuel $2.15 per litre? Iceberg lettuce going for $10.00 per head? Things are going bananas around here, so take a listen to this episode for tips and tricks to manage the rising cost of living. We will cover off:

• The big ticket item: ideas to increase your income to make an impact
• Middle ticket item: ways to decrease your cost of living 
• Quick wins: actionable things you can do now, these things add up!

We also wanted to remind you to be kind to yourself during these stressful times - you are doing the best you can!

So we all know that nobody is perfect. We ALL have our bad habits. However, if you have any of these bad money habits, you could really be impacting your long term financial goals and the ability to go on that dream holiday!! We will be chatting about what these 5 bad money habits are, but also give you some workable solutions to help you break them.

So if you are living week-to-week or are an avid impulse buyer, give this episode a listen!

When was the last time you checked you were getting paid what you are worth? Money and wages can be hard topics to navigate with your boss or manager, but it doesn’t mean you should be avoiding them! In this episode, we are going to help you create a plan to ask your boss for a raise, as well as what to do if they say no - because you shouldn’t stop there if that is their response! 

Some helpful resources from the episode to help you research what you are worth:

• https://www.glassdoor.com.au/index.htm
• https://www.payscale.com/research/AU/Job
• https://www.seek.com.au/