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Home ownership - what’s your strategy to own tha

Home ownership - what’s your strategy to own that roof over your head by retirement (if not sooner!!!)?! This is a foundation piece I talk with clients about, regardless of where they are at on their journey. But what happens when your financial budget for a home doesn’t meet your lifestyle goals of where you want to live?! It’s not an easy dilemma to solve, but here’s some things to think about: 🏠 Challenge your expectations and work hard on letting your values and priorities help guide and define your decisions 🏠 the home you buy now doesn’t have to be your forever home, it can be a stepping stone (but it still requires you to make a smart decision because property is damn expensive to trade, so you still have to buy well!) 🏠 can you buy something in your desired location now that does the job for now but has potential to be renovated down the track? 🏠 Always stress test your numbers, put in a buffer for interest rate rises or changes in circumstances - protect yourself from mortgage stress in the future! 🏠 consider ‘rentvesting’ very carefully and cautiously. ‘Rentvesting’ is buying an investment property where your budget can afford and renting where your lifestyle desires. Could the property you buy grow at the same rate of the market you’d like to live in? Or could that property become a place you could live down the track? Lastly;
be patient,
be persistent,
do your research,
consider engaging a reputable buyers agent, mortgage broker and financial adviser to support you with your decisions And lastly, keeping saving your pennies towards your deposit and repayments in the meantime.

I had the privilege of sharing my expertise with t

I had the privilege of sharing my expertise with the @buildhercollective #developerhers this morning and what an amazing group of women going after their dreams! These ladies are taking control of their financial futures by learning how to develop for profit and from what I’ve seen they are smashing it out of the park. Sharing tips around tax, ownership and feasibility today got me really reflecting on my passion for renovating! I’m a plumber’s [turned all round handyman] daughter and I was very fortunate that my dad helped me renovate my first home which ultimately helped me climb a rung on the property ladder, and then I happened to marry a chippy 🔨 - very convenient of me wasn’t😉 The above pics are of the ‘dump’ that we turned into our current home. It was such a special project and so rewarding. I feel like I’ve always had an eye for opportunity and buying a renovators delight in a quality location was a great one. One of the questions I get asked all the time is how to minimise tax. As I shared today, if you are making a profit then tax shouldn’t be feared, it’s part of the process. But pre-planning, getting the right professionals in your corner, exploring options for your ownership structure and really understanding your numbers and the feasibility of a project are critical steps.
And finally for those that want to avoid it (tax that is)all together, the only way to keep 100% of the profits on your property development is if it’s your Main residence (but you do need to be careful not to be flipping too regularly as it could look and smell like a business to ATO where you are avoiding tax). We’ve lived in this for almost 6 years now and I’ve got itchy feet for another dump!

Thanks @emilyosmond for hosting such a fab event y

Thanks @emilyosmond for hosting such a fab event yesterday. I thoroughly enjoyed hanging out with some amazing small business owners who are not only doing great and inspiring things but so kind and supportive as well!! It was also a real buzz to be able to share a panel session with some new biz pals @trishburtondesign @yellowdoordigital (we missed you @melfinlay_nutritionist !!) and share our business stories and our amazing programs and courses we are working on! Connecting with others is so important and running a small business can get lonely at times so it’s wonderful to have this human connection and conversation again 🙌

There’s lots of talk going on around goals and r

There’s lots of talk going on around goals and resolutions as we start a new financial year, but tonight, I want to start the conversation about systems.

The visions are great, but the actions (no matter how small) and habits you put in place are the things that will stack up to get you results.

So on that note;
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How do you want the rest of your 2022 to look from a money management perspective?

Not many people enjoy reviewing line by line spending but what I encourage you to think about is what you might need to do to make your finances feel effortless.

🌿Do you think you have a good handle on your systems?
🌿Are you capturing that “leftover” money that could be better put into your savings or your “in case of emergency fund” than left sitting in your everyday account only to discover it disappeared a week later?
🌿Can you automate a little more?
🌿Track your spending a little closer or make your investments work a little harder?
🌿What “hole” needs mending in your money net?

Comment below [I’m thinking a couple of Q&A up in my stories might be in order] 👇

These words 🙌 These might belong to @jamesclea

These words 🙌 These might belong to @jamesclear end his atomic habits philosophy (which I love!), but this also completely applies to your financial life. Your best laid plans can come unstuck in a flash if you haven’t got a back up plan (for starters: a good cashflow plan, emergency funds and the right insurances). When it comes to building your wealth, one of the oldest rules in the book is not putting all your eggs in one basket. Diversification is critical otherwise you’re potentially risking everything. Goals are essential, not goals for the sake of goals, but meaningful goals that align to your values and your life plan. Goals that are truly meaningful to you and that you can anchor yourself in. Getting ahead and achieving your financial goals takes commitment and consistency [slow and steady can absolutely win the race 💰] If you’re keen to take control of your financial future, join the wait list of my new program launching soon (link in bio) ❤️👋

Happy Mother’s Day 💐 I feel so privileged t

Happy Mother’s Day 💐 I feel so privileged to be a Mum, it’s got to be the most challenging and yet most rewarding role I have ever played. I feel so lucky! I’m also pretty blessed to have such a wonderful Mum who is always in my corner - love you Mum 💖

We have a school girl in our house! I can’t bel

We have a school girl in our house! I can’t believe it, it seems like yesterday that she was in my tummy. She is so ready for school though and was so excited today (only a tiny bit nervous!). We weren’t able to go into the yard or classroom (thanks to the big 🦠)… can only begin to imagine what parents (and kids) have been through in the last two years. My nephew is starting year 7 in isolation - just 💔, so I feel so lucky we at least got her there today - she even said that herself! On to the emotions, I had tears each time last year when I dropped her into orientation sessions, today I was strong and beaming with excitement for her (and also wrangling an almost 3 year old who wanted to run after his big sister, so that was a good distraction!). As the day goes on I can’t stop wondering how she’s getting on, I do just wish I could be a little fly on the wall following her around. How do all my fellow Mum’s out there deal with this emotional transition?! Give me your best tips 🙏👇

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

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