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Cashflow Course

Take control of your cashflow and go from A to (financially) free.

Self guided videos, easy to follow workbooks and templates
Take control of your cashflow and make your money work for you!
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MoneyMode School

Moneymode School

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Learn the foundations to money management, how to grow your wealth and the steps to retire financially free
A safe space to build your financial know-how [at your own pace]
6 months of mentoring from a financial adviser
Access to in-depth resources, worksheets, expert masterclasses and more

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Take control of your finances in 2024!

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REBUILD WRAP UP - last night was our 5th event! An

REBUILD WRAP UP - last night was our 5th event! And just as special as the rest of them.

I couldn’t be more grateful for the opportunity to share my experience and expertise, alongside an amazing and inspiring group of professionals @shannahkennedy @propertybeforeprada @chloe_angelina00 @ashleytaylor_familylawyer . What a team!!!!

What an incredibly brave and courageous bunch of women that come along last night to allow us to support them! I got to chat personally to a few of you, you’re stories, oh my heart ❤️❤️

Special mention to @landerrogers for generously putting such an incredible event together.

Can’t wait for the next one!

Our Melbourne Re.Build event is on Thursday!!! Th

Our Melbourne Re.Build event is on Thursday!!!
There are some seats left, so be sure to register, we are passionate about supporting you. Link is in my bio.

@landerrogers @shannahkennedy @propertybeforeprada @ashleytaylor_familylawyer @chloe_angelina00

I’m going to share with you one of the things we

I’m going to share with you one of the things we often forget to budget for and how to not get caught up. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Your budget game might be reasonably good but BAM, you just got invited to a string of weddings. There’s a birthday party [or two] and now your best friends are all planning a weekend away together. 🫠🫠⠀⠀⠀⠀⠀
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Our best attempts at a budget often leave us caught out at these times.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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These are not really considered emergency expenses so it’s understandable that we overlook allowing for them in our day-to-day budget. These little unplanned surprises can bring the best financial budgets and goals unstuck… but not to sweat. My money tip is to create a separate account for these that is separate to an emergency fund [an emergency might look like a new washing machine right up to time out of employment; hens weekend? Not so much]. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Have a best guess at things that might come up during the year and squirrel away some savings for them; think Christmas, birthdays/weddings/ baby showers and yes a girls trip… or two if we’re lucky. 🤞🤞

#BudgetingTips #FinancialPlanning #SmartSpending #UnexpectedExpenses #MoneyManagement #BudgetingHacks #FinancialGoals #SaveSmart #ExpensePlanning #PersonalFinance

That big, dreaded word that makes the hair on the

That big, dreaded word that makes the hair on the back of our neck stand up when we hear it, ‘inflation’.

So what is it exactly?

Inflation also referred to as ‘cost of living’ and CPI (consumer price index), is a percentage measure of all the goods and services we consume each year. And over the history of time, the cost of living has gone up 2-3% per annum.

Inflation can be described as the increase in the level of prices of the goods and services that households buy. In other words, it’s the measure of the purchasing power of your money.

The history of your purchasing power:

⚡️ Your purchasing power of $100 in 1967 is equivalent to $846.34 in 2024.

⚡️ Your purchasing power of $100 in 1984 is equivalent to $275.37 in 2024.

⚡️ Your purchasing power of $100 in 2004 is equivalent to $164.53 in 2024.

⚡️ Your purchasing power of $100 in 2014 is equivalent to $125.09 in 2024.

Inflation usually sits between 2-3% per annum, so effectively your money is losing 2-3% purchasing power per year.

When to remember inflation?:

💡 When you have a salary review each year

💡 When you have money just sitting in the bank

If you’re like many who are feeling the squeeze from inflation? You're not alone.

If you’re ready to take control of your money and build financial freedom, I'm here to guide you!

Here are the 4 essential steps you can take to get

Here are the 4 essential steps you can take to get on top of your finances and build financial freedom.

#FinancialFreedom #MoneyManagement #TakeControl #FinancialPlanning #WealthBuilding #MoneyGoals #SmartFinance #FinancialIndependence #BudgetingTips #PersonalFinance

Before you start thinking about investing, it’s

Before you start thinking about investing, it’s crucial to have the following foundational things in place. These steps ensure a stable financial base, setting the stage for successful investing.

#InvestingTips #FinancialPlanning #DebtFreeJourney #EmergencyFund #SmartInvesting #WealthBuilding #FinancialGoals #InvestmentStrategy #MoneyManagement #PersonalFinance #moneymode

The count down is on to our next RE.BUILD event on

The count down is on to our next RE.BUILD event on 17 October at @landerrogers in Melbourne.

In it's 3rd year running, RE.BUILD is an incredibly special event that is all about empowering women to be financially, emotionally and legally independent following a relationship breakdown or life changing event.

I look forward to sharing my expertise along with the other stellar RE.BUILD support crew: Shannah Kennedy @shannahkennedy (Life Coach), Katherine Persoglia @propertybeforeprada (Mortgage Broker) Chloe Rattray and Ashley Taylor @landerrogers (Family Lawyers).
Attendees will hear from each of us on the night and have the chance to ask any questions in a warm and supportive environment.

Registrations are free and still open. We encourage people to bring a support person along, please spread the word and share with anyone who may be interested please head to the link in my instagram bio.

#financialplanning #lifeplan #divorce #rebuildingmyself #rebuildlives

I want to reassure you that none of us have an inn

I want to reassure you that none of us have an innate ability to manage money; it is a skill we learn whether that is via experience or gaining knowledge and to extend on this idea?

Money management is about actions performed daily, and these actions are a product of our habits and our behaviours.

I realised long ago that emotions and past experiences have a lot to do with the way we negotiate our money which is why I take a holistic approach here at Money Mode.

Did you discuss money in your childhood home?

Was it a stressor?

Is your relationship with money vastly different to that of your partner’s?

Are you in overwhelm with your current position or are you coasting well and wanting to do more?

We’ve been taught never to talk about money but how do you get better at, or understand and even heal your relationship with it without talking it through?

Removing the mental blocks and barriers around money is so very important not just to your financial health but your emotional health.

In order to improve our habits and behaviours around money, we’ve got to set ourselves up for success by addressing the emotional side of money in conjunction with refining the practical actions around it.

It’s time to do money differently.

Check out our courses if you’d like to learn more.

#MoneyMindset #FinancialWellness #MoneyManagement #HolisticFinance #MoneyHabits #EmotionalWealth #FinancialHealing #MoneyTalks #ChangeYourMindset #FinancialGrowth

Offset accounts are a fantastic financial tool, an

Offset accounts are a fantastic financial tool, and here's why you’ll love them too!

💛 Reduce Your Interest Payments

An offset account is linked to your home loan, and the money in it is used to reduce the loan balance that you pay interest on. This means you end up paying interest on a smaller amount, saving you money every month. For example, if your home loan is $200,000 and you have $2,000 in your offset account, you'll only pay interest on $198,000.

💛 Pay Off Your Loan Faster

Since your monthly instalments stay the same, the savings on interest allow you to reduce the principal of your loan more quickly. This can help you pay off your home loan faster than you would with a standard loan setup.

💛 Better potential return than just saving

Typically the interest on a home loan will be a higher rate than any accessible savings account. Therefore, your dollar will be working ’smarter' for you in offset than just saving. Depending on your tax situation this kicker can be even greater due to interest earned on a savings account being taxable, reducing your return. Where as reduced interest payable on your loan won’t impact your tax position.

💛 Flexibility and Convenience

You can use your offset account like an everyday account. Have your salary deposited directly into it, so every dollar helps reduce your loan cost. If you receive a large sum of money, you can also deposit it into your offset account, provided it doesn’t exceed your loan balance.

💛 Funds Ready for the next home deposit

If you are thinking of upscaling your home or planning a renovation, you can save towards it in your offset, reducing your loan interest and having the funds readily available for the next purchase.

Make sure you speak with your financial adviser and mortgage broker about the best set-up for you based on your circumstances and goals as this is not advice.

#OffsetAccount #HomeLoanTips #FinancialFreedom #SmartMoneyMoves #MortgageSavings #ReduceInterest #HomeOwnership #PayOffFaster #MortgagePlanning #FinancialSuccess

So thrilled to announce that RE.BUILD is back for

So thrilled to announce that RE.BUILD is back for 2024!

So what is rebuild all about?

It’s about equipping women with the know-how and inspiration to become financially, emotionally and legally independent as they navigate their way through the other side of a relationship breakdown, divorce or a life changing moment.

We’ve teamed together a dream-team of experts that will provide you the know-how to rebuild your life plans confidently.

Meet the experts:
 Life coach - @shannahkennedy Family lawyer - @landerrogers  Lending specialist - @propertybeforeprada Financial adviser - me @moneymode_ ☝️ 
You’ll hear from each of us on the night and have the opportunity to ask any questions you might have. We ensure these nights are a safe and supportive environment.  
As these events are generously supported by @landerrogers, we can offer complimentary tickets to attendees.

Be sure to click through to the link in my bio to reserve yours.

We look forward to catching up with you all, in person, soon.

💕

The ultimate financial freedom goal is being in a

The ultimate financial freedom goal is being in a position where you have enough investments generating enough income so that you don’t have to work, unless you want to.

This goal might feel a long way off.

But you can work slowly and steadily towards financial freedom every single day.

You just need to start turning some of the income you earn now into savings and investments that will help support you in the future.

And the sooner you can do that then the sooner you will be able to start making decisions that aren’t about money, but about what is important to you.

#finacialfreedom #moneyfreedom #budgeting #2025goals #cashflow #femalemoneytips #moneymindset #empoweringfemales

Loved being able to talk about personal finance on

Loved being able to talk about personal finance on House of Wellness this weekend 💸

@wellnessaustralia @channel7

As we approach the deadline for contributions this

As we approach the deadline for contributions this financial year, it's essential to stay informed about your options, not just for now but for future financial planning.⁠
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Let me give you a bit of context about a strategy that's been gaining traction in recent years:⁠
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In the past, only self-employed individuals could make what was called a 'deductible' contribution to their super. My self-employed clients often sought advice towards the end of the financial year to optimise their tax situation by making lump sum contributions to their super (and claiming a tax deduction for them).⁠
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However, things have changed. Nowadays, employees can also make these tax-deductible one-off contributions at any time during the financial year. It's a strategy that can save considerable tax for clients and help boost their wealth.⁠
⁠
Here are some key points to know about making these contributions, now termed 'concessional contributions' →⁠
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Remember, while I've provided this information to educate you, it's crucial to consider your personal circumstances and possibly seek professional advice tailored to your situation. Financial decisions are personal, and thorough research or expert guidance can help you make informed choices.

Let's talk about foolproofing your finances agains

Let's talk about foolproofing your finances against surprises: emergency funds.⁠
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Given the rollercoaster ride of the past year and the pressure on our daily cost of living, it's essential to prepare for the unexpected. Emergency funds might not sound exciting, but they help to foolproof our cash flow plan so that when an unexpected expense pops up we can continue on without the financial set-back or compromise.⁠
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#EmergencyFunds #FinancialSecurity #PrepareForTheUnexpected #FoolProofFinances #CashflowManagement #UnexpectedExpenses #FinancialPlanning #CostOfLiving #FinancialPreparedness #MoneyManagement #EmergencySavings #FinancialStability #PlanAhead #StayPrepared #SecureYourFuture #MoneyMode⁠
⁠

Fan of “buy now/pay later”?⁠ ⁠ Yeah, I nev

Fan of “buy now/pay later”?⁠
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Yeah, I never have been. 🙅🏼‍♀️⁠
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The NOW part might sound good, it’s the LATER part that concerns me as it has the potential to set you up for multiple failures.⁠
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❌ You’re more likely to overspend because impulse buys are encouraged, especially as you head to the checkout online.⁠
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❌ You’re most likely purchasing something you can’t afford just *yet*emphasis on the yet because with financial planning comes financial power⁠
⁠
❌ Interest-free looks good on paper but late fees very much still exist in the BNPL world⁠
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❌ If home ownership is a goal, this “convenience” is considered a line of credit.⁠
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There’s a reason why the government is currently looking to regulate this form of lending [bring it on] so please, pause and think about your later.⁠
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#moneymode #buynowpaylater #afterpay #afterpaydebt #paymentplanproblems #debtfree #moneytips #financialadvisor

You know, sometimes it's easy to get caught up in

You know, sometimes it's easy to get caught up in the hustle and bustle of life without stopping to consider what truly matters. But here's a simple truth: what you need to live on directly influences what you need to do.

Think about it. Your basic necessities—like food, shelter, and utilities—form the foundation of your lifestyle. They determine the minimum income required to sustain yourself and your loved ones.

So, when it comes to setting financial goals and making decisions about your career, education, or investments, it's essential to keep your needs in mind. Understanding what you need to live on, I often refer to this as ‘knowing your numbers', gives you a baseline to work with.

Sure, we all have dreams and aspirations that extend beyond our basic needs. But by starting with a solid understanding of what you need to maintain your base level lifestyle, you can make more informed and intentional decisions about how to pursue your goals.

Ultimately, it's about finding a balance between living for today and planning for tomorrow. And your goals, values and priorities should inform how to divide your money wisely between the two.

#moneymanagement #financialfreedom #money #personalfinance #moneytips #financialliteracy #finance #financialindependence #budgeting #investing #financialeducation #moneymindset #financialplanning #debtfreecommunity #moneygoals #moneymatters #financetips #debtfree #debtfreejourney #investment #wealth #budget #savingmoney #moneymoves #financialgoals #entrepreneur #wealthbuilding #business #moneymotivation #debtfreegoals

It’s more often than not that when we hear any c

It’s more often than not that when we hear any chat about superannuation, we don’t think it applies to us because we’re not retired.

Truth is, super conversations aren’t just for retirees.

To prepare you for retirement and set yourself up retire comfortably, the ground work you do in your 30’s and 40’s is just as important as the work you do with your super in your 50’s and 60’s and I’m not simply talking about the amount of super you put away month to month, I’m talking about understanding what super is, cutting through the jargon, getting advice on funds - all of those things.

The last thing you want to do is turn up to retirement unprepared because it is as big a life event as starting a family.

Start reading and start talking NOW.

By viewing super as your ‘investment’ and building it into your overall wealth building strategy now, your “in-20-years-from-now” self will love you for it.

I mean seriously love you for it.

And if you just don’t know where to start, well you’re in the right place!

#moneytips #moneychallenge #moneymode #financialfreedom #budgetplanner #budgeting #budget2024 #budgettips #debtfreecommunity #debtfreejourney #moneysmarttips #womeninspiringwomen #womeninfinance #womenempoweringwomen #superannuation #taxtips

This is your reminder that wealth isn’t defined

This is your reminder that wealth isn’t defined by owning designer bags or luxury cars, flying first class to Europe or how big your home/s are.

While society often paints wealth (and financial success) as luxury holidays and designer items, true wealth is a richer tapestry. We need to remember it's deeply personal and multifaceted, and in my opinion, nothing to do with material possessions.

I believe that wealth is about having the freedom to pursue your passions and shape your life on your own terms. I believe in balance too, being able to enjoy your lifestyle now, while also building a solid foundation for the future. It shouldn’t be all work and no pleasure either, work out what’s most important and build your plan to incorporate this. Whether it be spending time with loved ones, pursuing hobbies that light you up or contributing to causes that align with your values.

That's why setting goals tailored to your personal aspirations is vital. Because financial success isn't a one-size-fits-all concept—it means different things to different people. By defining what wealth, financial security and financial success means to you, you can start to build your plan and pave the way for a journey toward both financial and personal fulfilment.

So, let's shift our perspective on wealth and know that you can be financially successful without the designer items!

#moneymanagement #financialfreedom #money #personalfinance #moneytips #financialliteracy #finance #financialindependence #budgeting #investing #financialeducation #moneymindset #financialplanning #debtfreecommunity #moneygoals #moneymatters #financetips #debtfree #debtfreejourney #investment #wealth #budget #savingmoney #moneymoves #financialgoals #entrepreneur #wealthbuilding #business #moneymotivation #debtfreegoals

As a financial advisor, I've seen firsthand how mo

As a financial advisor, I've seen firsthand how money issues can be at the heart of relationship challenges.

According to Relationships Australia, financial stress is a significant factor in relationship breakdowns, with 7 out of 10 couples experiencing tension due to financial matters.

Our emotional needs often manifest in how we handle money. Tension, anger, resentment, or blame about finances usually stem from deeper issues related to our dreams and fears, not the money itself.

Here are some tips for starting the money conversation in a relationship. ➡️

#moneytips #moneychallenge #moneymode #financialfreedom #budgetplanner #budgeting #budget2024 #budgettips #debtfreecommunity #debtfreejourney #ozdebtfreecommunity #ozdebtfreejourney #firemovement #champagnefoodonabeerbudget #moneysmarttips #womeninspiringwomen #womeninfinance #womenempoweringwomen #ladystartup #moneyinrelationships

This is one of the most transformative things I’

This is one of the most transformative things I’ve been doing for my lifestyle spending that’s had such a positive impact on my cash flow! And the best part is, it’s something you can do too!

‌#moneymode #cashflow #moneymindset #moneytips #financialfreedom #financialeducation #financialadvisor

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