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moneymode_

It’s my birthday today!! Another year older an

It’s my birthday today!! Another year older and hopefully another year wiser 🥰 I had the day free to spend with the kids and my sis gave me some very wise advice this morning, ‘happy kids, happy mum’… so my focus was enjoying the day with them (mostly on their terms!) and that we did!
We got a wind and sand swept day on the beach, kids had a ball and I got to hang with my bestie - we all loved it! Tonight we were out to dinner at our local pub with some fun at our park on the way home to wear them right out! Finished off with cake, candles and cuddles on the couch! They thought it was a great ‘party’ and I’m pretty content it was a day well spent! 💞 Feeling incredibly grateful for all the wonders and love in my life and looking forward to another year around the sun 🌞 💖

2022. Welcome!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Anyone else feel a little bewildered about the beginning of 2022?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It feels different to other years. I think we’ve all been little scared to celebrate it and make a big fuss over it off the back of the last two years of uncertainty.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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As you can see, I’ve been slow on here to welcome the New Year. In my defence I have been a little preoccupied with getting married in early December and taking some much-needed slow time with my fam in the weeks that followed, but even so it hasn’t felt like a big deal (the new year that is! Or is it just me?!). Perhaps it’s that things feel a little out of control and unpredictable once again and that can leave us finding it difficult to plan and dream. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Many people I’ve been chatting to are in this boat and many are a little down on themselves for blowing out their budgets over the past month or so, particularly those who’ve endured long lockdowns over the past 2 years and have really relished in being able to be out and about with their loved ones. I certainly relished in it all and did let go of some normal spending sensibility, telling myself I was doing the hospitality and retail sectors a favour after their long suffering 😉, and to be honest I enjoyed every moment of it because I’ve barely spent a cent on myself or fun in so long. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So I’m not being hard on myself and I’m rationalising it, but now I need to tend to balancing my spending and saving in a little more moderation in the months ahead. Who else can resonate with this??⠀⠀⠀⠀⠀⠀⠀⠀⠀
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No matter if it’s a blow out over the holiday period or whether you are just feeling a little disappointed with where you are at – this doesn’t define how your situation will continue. You got this!! 🙌

Wishing everyone a very Merry Christmas period and

Wishing everyone a very Merry Christmas period and hope you all had a lovely day yesterday! I’ve been a little preoccupied of late and a little quiet on here…for starters, it was a mad race to the end of the year (what a strange and testing year 2021 was, more on that later!) and my year was cut beautifully short to get married 2 weeks ago! Craig and I have been together for 8 years, we have two precious kids together and marriage was something we’d talked about over the years but I always felt the life we were building and the family we were creating was the biggest commitment that was ever needed. He surprised me (I’m hard to surprise 😜) with a ring earlier this year. As our plans got underway the first stop was to engage a dear and long-standing friend @shannonjeanscelebrant - her availability set the date and from there everything just fell perfectly into place. The restrictions eased just in time, the weather was perfect and the whole weekend was just so much FUN! It was the sort of weekend I wish could be bottled up! We are still coming back down yo earth to be honest! Anyway, more to come and more pics to share in the coming weeks. 📷 @puremac.photography

Tonight, I thought I’d share my chat with Lucy P

Tonight, I thought I’d share my chat with Lucy Percy, Estate Planning Lawyer at @headandheartestateplanning about 🥁🥁🥁🥁 why you need an estate plan. Yes, it’s not the nicest topic to discuss but it’s something we MUST talk about. Estate planning is more than just a will, it’s thinking about how your children are cared for, by whom and deciding who has the power to make decision on your behalf should you become incapacitated. There’s a bit of strategy to protect your money, ensuring it stays within your bloodline etc etc. Savvy Mumma Podcast Episode 6, “Why you need an estate plan” with Lucy Percy is linked in my bio for you and if you’re a Spotify listener, follow the link in my Stories.

Work in progress.⠀⠀⠀⠀⠀⠀⠀⠀⠀ BRB.

Work in progress.⠀⠀⠀⠀⠀⠀⠀⠀⠀
BRB.

The biggest driver behind building my own boutique

The biggest driver behind building my own boutique financial advice business was to provide practical financial advice. I’m a talker. I’m a people person. I enjoy helping people without all the demands and targets, particularly those of helping a large organisation meet their bottom line. I wanted to focus on the people who I serve and their goals and desires. I wanted to do money differently.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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After 15 years of working on plans and putting out financial fires [including my own - yes, been there done that] I realised we need to step away from “financial freedom” first and start investing in our client’s financial wellbeing.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I’m all about uncovering our individual money stories, understanding our relationship with money, understanding how money works in our personal relationships and helping my clients’ figure out what their purpose and values are so they can actualise financial freedom. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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This is where Kickstart was born. I wanted to provide a resource that was affordable and accessible to get people on this journey and the ones who throw themselves into Kickstart say it’s been life changing for them. They garner an incredible awareness that is a critical foundation to take the steps in the right direction of owning their financial future.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Some Kickstarters have come on to seek personalised advice around Superannuation, insurance and investing - all key elements to a financial plan that propel them further forward and others are well poised to keep on their DIY journey.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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From financial plans to investment support, it has to be financial wellbeing first.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Reach out if you're keen to learn more.

I hate to be that person but…. Mondays are just

I hate to be that person but…. Mondays are just like any other day of the week. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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How many times have we said [me included] “I’ll start Monday”, you blow that Monday so you promise to start then and before you know it, a month has passed.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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There are no miracles on Mondays, start now. Every proactive step you take towards obtaining your goals, big/small/ what have you is a step closer than you were yesterday.

Everything we do, whether we like it or not, is ce

Everything we do, whether we like it or not, is centred around money. Our life experiences, our decision making… money. So why are we so bloody secretive about it?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It’s like we’re meant to just magically know how to manage it and on top of it, we’ve wrap it all up in some mysterious man speak [sorry fellas] making it harder than it needs to be! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It’s time to turn it around.⠀⠀⠀⠀⠀⠀⠀⠀⠀
It’s time to talk about money.⠀⠀⠀⠀⠀⠀⠀⠀⠀
It’s time to learn about money.⠀⠀⠀⠀⠀⠀⠀⠀⠀
It’s time to get rid of the secret money language.⠀⠀⠀⠀⠀⠀⠀⠀⠀
It’s time to start a conversation that should have been started years ago so…. what do you want to know?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#moneytalk

Two words: PURPOSE. VALUES.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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When you uncover what it is that you really want to achieve, or experience, is when you can arrange your time, your money, your world to work for you. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Value health? Designate money in your budget for the gym. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Want to pay off your mortgage to retire early? Figure out your repayment figure over time and start chipping away.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Purpose and values put meaning behind your goals and yes, this is central to the way I work because honestly? Just having a goal of x dollars in the bank at some point isn’t the stuff that inspires.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#purpose #values

Getting better at money has got to be in the top f

Getting better at money has got to be in the top five of most of our “to-do” lists. As a finance professional I know I see an influx of enquiries for my one-to-one services in January and again around the end of financial year BUT in all honesty the best time to start is… NOW! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I also know that there’s a whole heap of barriers for us when it comes to getting savvy with our money; barriers around financial literacy, affordability, time [and now lockdowns] which is why I designed Kick-start, my self paced, online course. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
If you need a place to start with building your bespoke financial blueprint, to uncover and delete self-sabotaging habits, to get clear on your goals or get on the same money page as your partner to get your money working for you, Kick-start could be it.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Head to the link in my bio to find out a little more or touch base here or via email, my DM’s are always open.

Ain’t that the truth?⠀⠀⠀⠀⠀⠀⠀⠀⠀

Ain’t that the truth?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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One for the home screen on your phone as we commence the Chrissy shopping.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Who else is making a start given the lag in deliveries?

I’ll let you in on a “trick” of mine: micro

I’ll let you in on a “trick” of mine: micro actions. It might seem a bit “buzz wordy” but taking small steps to reach small goals makes taking those big steps and reaching those big goals a whole lot easier.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Often we set these big, lofty goals with our finances, let’s say it’s saving for a home deposit. Practically, it could take two/three/ four/SEVEN years to achieve this and along the way, we constantly feel disheartened that we’re not there yet or that the day will never come. It’s really easy to sabotage something that feels beyond our reach.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Solution: Have your big picture vision but set mini milestones; I find six months is a really good timeframe to keep you motivated.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Break the goal into small increments and work out what you need to do each pay to get you there. Say, for example, the goal is to save 12k this year and you get paid monthly - you’ll need to save $1k/month so set yourself a 6 month target to get your $6k in the bank. I don’t know about you but $6k in 6 months sounds more reasonable and achievable than $12k by the end of the year.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Micro actions and mini milestones; it’s a simple spin on achieving your goals. And more boldly put; the foundation to a successful financial plan.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#fromlittlethings

Always.⠀⠀⠀⠀⠀⠀⠀⠀⠀ No elaboration

Always.⠀⠀⠀⠀⠀⠀⠀⠀⠀
No elaboration needed.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#coco

HERE’S YOUR ANNUAL BUY NOW PAY LATER REMINDER.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Think long and hard about using these services as we begin the slide into Christmas.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🚩 These types of services create poor financial habits because you are literally buying things you can’t afford which can only lead you down one path: impulse buying.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🚩 Any debt you have impacts your financial situation and therefore your borrowing capacity.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🌿 If you have an active after pay type account, audit it. How frequently are you relying on the service and what types of products/services are you using it for? Take this knowledge and create your very own “personal shopping” bank account, budget for it and allocate funds for it from your pay cheque regularly and spend ‘til your heart’s content…. until the money runs out of course!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🌿 Spending money you have creates good practises because you need to think about what you’re purchasing [the good old want vs need conundrum]⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🌿 You will feel more satisfaction with your purchase because you saved for them and you’re not compromising other aspects of your financial situation and security.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🌿 You're building a new money story for you, your partner and your family.

Us financial folk say things this often because it

Us financial folk say things this often because it is TRUE! The decisions you make now, today, this minute, impact your future security.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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🌿 It’s dividing purchases into needs and wants.⠀⠀⠀⠀⠀⠀⠀⠀⠀
🌿 Creating a budget that you can stick to that allows you to squirrel away money.⠀⠀⠀⠀⠀⠀⠀⠀⠀
🌿 It’s making savvy decisions with your money [including your super].⠀⠀⠀⠀⠀⠀⠀⠀⠀
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How you respond now, shapes future you.

I’ll let you in on a “trick” of mine: micro

I’ll let you in on a “trick” of mine: micro actions. It might seem a bit buzz wordy but taking smalls step to reach small goals makes taking those big steps and reaching those big goals a whole lot easier.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Often we set these big, lofty goals with our finances, let’s say it’s saving for a home deposit. Practically, it could take two/three/ four/SEVEN years to achieve this and along the way, we constantly feel disheartened that we’re not there yet or that the day will never come. It’s really easy to sabotage something that feels beyond our reach.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Solution: Have your big picture vision but set mini milestones; I find six months is a really good timeframe to keep you motivated.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Break the goal into small increments and work out what you need to do each pay to get you there. Say, for example, the goal is to save 12k this year and you get paid monthly - you’ll need to save $1k/month so set yourself a 6 month target to get your $6k in the bank. I don’t know about you but $6k in 6 months sounds more reasonable and achievable than $12k by the end of the year.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Micro actions and mini milestones; it’s simple spin on achieving your goals. And more boldly put; the foundation to a successful financial plan.

I love this so much because “dreams” can be go

I love this so much because “dreams” can be goals and ambitions like living mortgage free by 55 or taking annual trips to see remote parts of the country or it could be paying for your child’s first car.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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What are your dreams/goals/purpose? Work those out and then put your money to work making them happen [and yes, I absolutely cover this in my Kick-start course because I kinda key to any financial plan. Link’s in bio to learn more]⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#dreambig #dreambigger

My loves. Like seriously, I’m sure, never in any

My loves. Like seriously, I’m sure, never in any of our wildest dreams did we think we’d be parenting through lockdowns and a health crisis like the one we’re in and whilst the juggle has been real [very real on some days], having a precious morning like we did today are the moments that I cherish for our little family. Standing still with them, away from the busyness, it’s given us time we might not have had.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The background to this, this morning I knew I had to put work on hold and spend a few hours, in nature and near water, with ‘us’ just enjoying the little things. The truth is I'm really good at seeing the positives in almost every situation, I’m the upbeat optimist 99% of the time. But I’ve found myself struggling lately to stay upbeat and haven’t been able to show up much here because I’ve needed to preserve all my energy to keep my little family ticking over and to keep helping my beautiful clients.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I know that so many of us are also frightened to share how rough (the world’s longest) lockdown is treating us because there are always causes and struggles much bigger than our own. But I thought sharing a little one of my own #truthbombs wouldn’t hurt. We are just human, not superhuman, at the end of the day.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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So if I can indulge a little, boy am I missing the rest of my family (in regional Vic) terribly, my friends, a belly laugh, holidays, a meal out, going to the gym, a haircut, a massage, even a mindless trip to the shops. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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And while there’s so much I'm missing, like many of us, a morning like today is what it took to remind me of the million things I’m grateful for and appreciate. How lucky.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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And thank you to the beautiful souls who have responded to my stories today and shared their little tips and advice for bringing joy to the lockdown blues. Let's all keeping trying to focus on the little moments of joy.

We’re here for making change to the economic sec

We’re here for making change to the economic security of women, that means closing the gender pay gap and the super gap, rewriting the rules when it comes to childcare, access to affordable housing and providing security in retirement for all women.

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