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What could you cut and not miss? In trying to save $30K by the end of the year, I've been thinking a lot about the types of spending that are net negative in my life (bring me less joy than their cost). So I've cut: + My AFR subscription + My phone bill + Our Binge subscription + Our takeaway budget And we've saved a bit! And while I do think that spending on things you value, little treats here and there can add up. As always at BGW, spending is your business. Spend on what you love and spend intentionally. But it pays to remember that sometimes you can maybe cut things from your life that you won't miss and make a MOZZA doing it. I mean... $648K is PRETTY nice! . . . . . #wealthmindset #debtfree #ozfirecommunity #moneymindset #financialgoals #debtfreeaustralia
Has anyone ever explained inflation? Well I did some digging! Inflation is just the term for an increase in the cost of goods but how do we calculate it? The ABS calculated the Consumer Price Index, a statistical shopping basket of goods across the Australian market and determines the increase in the price of those goods. They do this via a weighted average (goods that are purchased more, make up more of a % of the CPI pie. For example, housing and rent are the highest weighted). Overall, Australian inflation was 3.5% this year. Interesting trivia: are existing home sales included in inflation? Check stories for the answer! Does this feel low? Honestly, I thought fuel had gone up at least 10%. What have you noticed the price increase of? . . . . . #inflation #debtfreeliving #debtfreeaustralia
I used to think being frugal meant being poor. I didn’t want people to think I couldn’t afford it and like having a chip on your shoulder - the “look” of that life was more important than the life. Now? I don’t give an f. ✨My clothes are sometimes thrifted ✨my car is secondhand and ✨my portfolio is six figures Only you get to decide what you spend money on - not judgement or the media Follow @ brokegirlwealth for investing that just makes cents! Xx BGW . . . . . . #investingforbeginners #firemovement #debtfreeaustralia #womenwhoinvest #investing101
Alexa, play ✨Rich Girl by Gwen Stefani ✨. . . . Follow @ brokegirlwealth and let’s learn the basics of being a rich girl together. Start with my Investing 101 posts in the Guides section of my bio and check out the free resources on my blog! Xx BGW . . . . . . #investingforbeginners #firemovement #debtfreeaustralia #womenwhoinvest
💸STOP PAYING FOR WHAT YOU’RE OWED!💸 Share this, because I’m so sick of seeing people duped! As an ex-consumer lawyer, sometimes I want to scream in frustration that consumers are being spun fairy tales about what they can and cannot get from their retailer/manufacturer. So I have a bit of a platform now and I want to let you in on an open secret. 🚨YOUR PRODUCTS SHOULD LAST A REASONABLE PERIOD OF TIME.🚨 Not only that, but if they don’t then the retailer and manufacturer are on the hook. You should NOT be paying for a repair for a product that is only a year old just because your retailer is dodgy. If the manufacturer’s warranty has ended, too bad - your consumer guarantees might still be available! Now, this doesn’t apply to your negligence if you drop your phone or misuse it but if the product is faulty - you’re covered for a reasonable period of time. If you have questions, shoot them down below and I’ll answer them! As promised: 🔗ACCC’s Consumer Law hub https://www.accc.gov.au/consumers/consumer-rights-guarantees 🔗Where to submit a complaint: https://www.accc.gov.au/consumers/consumer-protection/where-to-go-for-consumer-help Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
💸Here’s how I spent my bonus 💸 Do you get a bonus and if so, what are you spending yours on? I love playing with numbers and I always like to test out a few different ways I can spend financial windfalls. It’s like a more realistic ‘how would I spend a million dollars’ . Just like the lottery, I never bank on the money and if do get it, I know I’m VERY lucky to do so (plus you never know if you might have it cut or reduced) but once I know the amount, I like to know where it is going to go. I used to see the money hit my account (be it pay or some unexpected refund) and just see a big shopping trip. There’s nothing wrong with treating yourself but I now see this money going to my brokerage or superannuation as the best kind of self-care. Unlike some shopping trips of mine, my super isn’t going to end up not fitting or sitting at the back of my wardrobe. It’ll compound and look like a new car or a holiday or a gift to my kids in retirement. Now THAT is neat. I used to do this same method for any kind of unexpected money in my account be it: 👏 a bank crediting you fees, 👏being backpaid, 👏having an insurance refund you; or 👏 a tax return. It’s a great way to hit some financial goals REAL quick and then you can allocate some splurge too! Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
💸Do you find it hard to save? Me too! 💸 But I found a method. When I say I found it hard to save, I mean I struggled to save $1K. I was earning $300 a week but that was a lot when my expenses were board + a phone bill! I would save $300 in my emergency fund and then spend it. I was stuck in a vicious cycle of a restrictive (don’t spend ANY money) budget which was unrealistic. I would berate myself for not being able to save because emotional spending was my vice. Here is what I did. Firstly, I recognised that saving was a skill like any other. Skills take time to learn, to master. So I focused on building that saving muscle. This was how I did it. 💸I set an achievable budget and savings goals. All with realistic timeframes. 💸I automated savings to a DIFFERENT account (out of sight out of mind!) 💸This made me focus on the SAVING as opposed to SPENDING because I couldn’t spend until I reached the amount + buffer! For example 💸If you want to save $1000 in 10 weeks, instead of saving $100 per week, save $120. This way you achieve $1200 by the goal date and you’ve got a nice $200 buffer! Honestly, I just want you to know this: being good with money isn’t something everyone is born with. But it doesn’t matter because just like riding a bike, you can learn. And if you slip up and fall off your bike, do you tell yourself “oh it’s because I can’t ride bikes” and never ride again? No! You get up, dust yourself off and keep practising. You’re human. The only certainty in life is uncertainty. So accept it, your mistakes and find a method that works for you. I promise it’s worth it. 💸👇For those of you frugal friends, what is your savings hack you can share? 💸👇 Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
👏So you want to start a side hustle? 👏 I did and it took a lot more time than it returned money. But that’s ok! The etsy side hustle is selling stickers and fridge magnets. Given print on demand, the overheads are slim. If I was selling a digital product, the overheads would be likely better but those markets are…. saturated. 💸It was a good experiment tho! 💸 BGW as you can see didn’t make much last FY and that’s ok! I didn’t set out to make money. I didn’t set out to replace my job (I love my job). The takeaway is before you invest thousands or even take up a side hustle, recognise your profit ratio. I didn’t do that with the etsy store because I would be in the way negative. But I did with BGW and I knew it was more of a soul-driven enterprise than a monetary one.; Whether you choose a side hustle or time on the couch, do so mindfully. After all, we have glorified not having time off to the point where anxiety is a personality trait. It’s ok to rest - but equally there might be times in your time when you want to hustle hard. This point in my life is my grind time. I want to be the best I can at my job. I want to be the best I can on this platform. I am doing this because I have pretty grand goals and I’m willing to sacrifice time for them - for now. 💸👇 Is your side hustle profitable? Whats your profit ratio on your side hustle? 💸👇 Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
👏 It’s 👏 ok 👏 to 👏 work 👏 a 👏 9-5 But start your own business.. if you want! I feel like the FI community hates their jobs and 9-5s and there’s a lot of “just start a [insert business de jour] here” 🙄🙄🙄🙄 Firstly drop shipping isn’t going to make everyone a millionaire and secondly, a 9-5 may not be for everyone but it has its benefits! There’s a lot to be said for the stability of a paycheck in a pandemic I like BGW as a side hustle and it does make a little money but it’s not stable, it’s not secure and it’s not enough to live on. My career offers challenge, excellent people and.. it pays me. Every fortnight. There’s nothing wrong with wanting a 9-5. There’s nothing wrong with entrepreneurship or both or either. Building wealth is not a single lane highway. It’s more like a mountain. Climb whichever trail sets your heart on fire. ❤️ Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
💸👇See caption for why! 👇💸 ✨Comparison is the thief of joy✨ I find myself in awe of where some people are in their financial, professional etc journeys and always feel bad But when I flipped that framing and asked myself: but where were you 5 years ago? 👌Me five years ago was finishing uni, starting to invest (like $1k balance!), still struggling to find a budget that worked but getting a lot better at managing my money than I ever had been 👌Me five years ago had a part time job as a legal intern, earning a pretty decent hourly rate but not seeing huge momentum in my savings Looking back, all the building blocks for THIS version of me were there. Looking back, I’m so so so impressed by where I am now. The moment we stop comparing ourselves to other people and start measuring our success by our OWN journeys - I’m telling you - it is INCREDIBLE. 💸Where were you five years ago on your journey? Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinanceclub
💸👇What’s in a PDS? 👇💸 Follow @ brokegirlwealth for money tips that just make cent$. ✨When do I get a PDS? ✨ They’re mandatory under laws in Australia for financial products (anything that allows you to save, investment or insure yourself is a financial product). They’re also jam-packed full of information about the product you’re buying - especially if you want a deep-dive on things like fees! For individual companies - you can find all this information on their website or, as is always the case: just Google your question! If you have questions on PDS, ask away below! Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance.
💸👇Want to own a home? See below👇💸
Follow @ brokegirlwealth for money tips that just make cent$.
✨90% of you said you wanted to own a home over renting.
I don’t blame you.
But I do blame the government and media for letting ‘housing affordability’ become a ‘why are millennials so entitled’ issue. Disparities in infrastructure, jobs, services and our actual FAMILIES mean ‘just move where you can afford to live” is a negligent and irrational political statement intended to distract from the real villain: housing affordability.
✨To the 10% of you: rent is not dead money but you need to be aware that rent is not a like for like substitute for owning a home. Rent turns housing into a utility, rather than a potential asset. This means you need to deploy your money in OTHER ways in order to build wealth.
You MUST consider investing or rent-vesting or any other means of generating wealth if you’re out of consumer debt. Next, you need to plan for the implications of that choice (or for home ownership happening later in life).
Consider the assumptions your super is based on and adjust.
✨To the 90% of you
👇THINGS YOU NEED TO KNOW 👇 If you’re someone who doesn’t read forms… oooft! You can miss things! But no one tells you all the steps to invest so it makes sense “do your admin” gets lost in the fog. 🚨Registering chess sponsored shares is just basic admin but it doesn’t get discussed. 💸 You could be missing out on dividends or important shareholder information! So get those papers out and log in. You might even find some money. 💸 Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
✨ I promise we’ll be back to BAU shortly but..✨ I didn’t want to let getting to 10K pass me by without taking a moment to celebrate YOU. Every single one of you who helped me get here. I know it’s not a huge milestone by the internets’ standards but it is a huge milestone to me. There are countless names that have inspired, supported and advocated for me. Something as simple as a share, a DM - I just want you to know that I see you and I’m so grateful for you. To all of you who have messaged to share a money win, you should be so proud of yourself. To those of you brave enough to share debt free journeys on the internet, you are my personal hero. I am not going to tag everyone because I’d forget someone inevitably but you are all in my heart. This community is such a WARM bunch of humans who celebrate each other, advocate for each other and who constantly floor me with how supportive you all are. I know the internet can be an awful place sometimes and that money attaches so much unnecessary shame and fear and discomfort for people but this corner of the internet? You are a delight. Welcome to @ brokegirlwealth if you’re new and if you’ve been with me since the beginning, I just want you to know you are awesome. That’s all. Have a wonderful weekend. Xx BGW . . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
✨ Does it spark joy? ✨ With half of Australia in lockdown, it’s a good time to do some winter deep-cleaning. When I first started budgeting, I realised just how much of my spending was motivated by: > what I thought a 20-or-so year old should be spending money on > what I felt would make me happy (spoiler, it made me sad + poorer) So how can you Marie Kondo your money? Well, for one, if you’re not following me, follow me ;) . THEN . 1. Take each expense and group it into categories (wants, needs and wtf is this) 2. Set up sinking funds for the wants + needs. 3. Go through the wtf bucket 4. Did the purchase spark joy a few months later? Does it still make you happy? 5. If not, why did you buy it? What was the emotional trigger? Is it serving you? 6. Identify the triggers and try work through the emotion rather than masking it or trying to bury it in a purchase (I promise, it doesn’t work. Trust me, I tried several thousand dollars of this therapy and it’s terrible). 7. Ignore what people “say” you should spend money on. 💸Buy 💸what you LOVE and cut ruthlessly that which no longer serves you. 💸👇What is one thing in your budget that brings you JOY!? ✨👇. . . #personalfinance #investing #earlyretirement #womensupportingwomen #financiallyfree #retireyoung #girlswhoinvest #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #womenwhoinvest #earlyretirement #personalfinance
💸Which method do you use?💸 Let me know in the comments below! Personally, I’m a big fan of the sinking fund method but I used to use pay yourself first. I just have more bills now and sinking funds work a lot better for me. I’ve actually used all of these at a point (cash envelopes for takeaway / splurge worked really well to reign in my spending, but I still used sinking funds for the rest of my expenses as I hate taking money out!) Next up in this series will be different apps you can use to budget! . . . #personalfinance #investing #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #financememes #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #sidehustle #ynab #youneedabudget #zerobasedbudget #zbb #sinkingfunds #wemoney
💸Which myth have you heard? 💸 These are all fake news. Sure, there’s some nuance but mostly, these are straight up, down right, absolutely false and if any of this was what you believed growing up - I am RIGHT THERE WITH YOU. I think a lot of us shy away from what we don’t understand because we don’t want to feel dumb. I totally get it. But we didn’t learn to run without first learning to crawl. The game changer for me wasn’t coming into money, it wasn’t getting a financial advisor or some kindly old man teaching me to invest. It was accepting I knew nothing and being willing to learn. Because I knew I could. And you can too. Here’s a few places that can easily dispel these myths: Taxes? ATO website is 👏👌 Investing is gambling? Research the stock market! Look into indexes returns over 100 years. Has there been downturns? ABSOLUTELY. But what has it averaged over the long term? Investing is hard? If I can do it, you can too. Investing is for rich people? See above. Investing is confusing? See above. Investing is time consuming? I set and forget (thanks @ pearlerhq ) Investing is timing in the market? That’s trading. Different thing. Goodluck. You got this. . . . #personalfinance #investing #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #financememes #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #marketresearch #sidehustle
💸Look Ma, I made it. 💸
I’m not really sure this is real yet - it hasn’t sunk in. In fact, it hasn’t sunk in so much that I recently got the IP re-valued and found out that it’s gone up another $25K, so technically, I’ve already surpassed this number but this $100K figure has been so long in the making. SO LONG.
For a while there, my net worth was in the minus with HECs and credit card debt but slowly (and I mean, over 5-7 years slowly) I got here.
In the interim, I learned how to budget in a way that worked for me, I figured out what kind of financial future was important to me and what I wanted from my finances.
I share this not to make you feel bad if you’re not here but to show you that it takes SO MUCH time, it takes a LOT of consistency and that more than anything, it all slots into place AFTER you find a financial strategy that works for you!
For full transparency as always, I thought I’d add some notes:
- I’m 26 and for a while was salary sacrificing into super (in Aus, we pay a min 10% of our salary into retirement accounts)
- I lived at home up until last year, hence I could invest over paying rent
- I worked full time while studying full time so I could be
👇Here’s a breakdown of how I got to $1k. 👇 I randomly decide to myself sometimes ‘I’m not challenging myself enough’ and then I’ll decide something like ‘I’m going to start a blog’ or ‘I’m going to try earn $1000 this month’. I thought it would be hard and oh my god. I really want people who talk about how ‘easy’ it is to make side hustle income to go check themselves and their hobbies. Surveys: The more surveys you do, the more you get. This is not a side hustle you can leave to the wayside. If you enjoy sitting and answering questions this might be one for you. I hated this. Credit card + cash rewards: by the far the most “passive” income here. I didn’t do anything nor buy anything that I wasn’t already going to buy. I use my credit card only for points and only for things I’ve already saved for. I cashed out almost $850 just from doing… nothing! eBay and marketplace: I’m pretty minimalistic as it is so there wasn’t piles to sell but I think this was pretty reasonable given this is AFTER postage and eBay fees. I only sold 2 items! M5 flashback: I always forget to do this one - a reminder to do it because you can only cashback quarterly! Finally, affiliates. I made $75 in referrals and other affiliates so, here’s a real insight into the fact that I put +20 hours a week into this blog and get back… less than the minimum wage ;) Overall, a good effort but this was hard. It’s not ‘easy’ money or ‘quick money’ in all cases. Which side hustle would you try? Which is your most lucrative side hustle? . . . #personalfinance #investing #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #financememes #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree #lics #afic #milton #side hustle
✨Oh, how I love telling the internet I screwed up..✨ Remember, I'm human so while you are welcome to judge me, I'm trying to show you that it's not ALL sunshine, 10K net worth increases and living the high life. Sometimes you just do dumb stuff. Here's a list of my recent dumb stuff. - I got a gym membership because I've put on 6kg since COVID begun. *mumbles* Something about getting back into shape. That was four weeks ago. I have been twice. COST: -$24 a week and counting.. - My net worth went down this month. More on that soon, after I emotionally process it. For now, just know I didn't blow it on anything, it was just a terrible month. COST: -$936 - When I purchased listed investment companies way back when, I did so because Canna Campbell said they were good. Don't let anyone (even a financial advisor) recommend you anything you don't research yourself. COST: $0. They're not bad. They're just not something I'd buy again. - I keep forgetting grocery bags and buying them at the store COST: $0.15c each goddamn time - Forgot to validate my ticket at Hoyts after the movies. COST: -$15 Let me know if this was helpful, or if it just made you sad. But, if you want to help a gal out - tell me what one of your money fails was recently. Sharing is caring ;) . . . . - . . . . . #personalfinance #lawyerstyle #investing #indexfunds #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #budgetingtips #minimalism #financialplanning #financememes #moneysavingtips #debtfreeliving #barefootinvestor #firemovement #1000dollarproject #spaceship #femtrepreneur #sidehustle #pearler #selfwealth #debtfree
Listen, if you are 35 and never put a dollar into the stock market or you are 25 with a net worth of $300k, you are no better or worse person.
Money is neutral - its value doesn't change your value. But it is a tool and I'm not going to lie to you that it doesn't make life easier.
This space is not here to virtue signal and suggest that investing makes you a smarter better human. But knowing how to manage your money will make you better
✨ BE YOUR OWN BEYONCÉ .✨ Budgeting isn’t going to work if you have a Michelle attitude. Until I let go of this notion of “I have to spend on what x says” or “save x% because that’s what y says” I couldn’t actually budget properly. 1. I decided to be the star of my own show. My budget = my rules. I decide what goes in and what goes out. 2. I started with the simple stuff - knowing that I was up to date on my bills and knowing WHERE my money was going 3. Finally, I allowed myself to tweak. Seriously. I’m not gonna advocate for some starvation, lemon water diet. Cut what doesn’t bring you joy or is in the service of other people but come on, you think Beyoncé plays golf or goes partying if she doesn’t give a f about those things? Idts. So this is me saying (guaranteeing) that I’m here for YOU doing what’s right for you. Because Beyonce wouldn’t let anyone make decisions for her. Be like Bey boo. What are you gonna do (or not do) in your finances because it’s right for YOU? ❤️ comment below! . . . . . . #personalfinance #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #millennialinvestor #personalfinanceforwomen #budgetingtips #investing101 #minimalism #financialplanning #financememes #moneysavingtips #debtfreeliving #barefootinvestor #moneymindset #stockmarketnews #firemovement #1000dollarproject #budgetingtips #comedy #beyonceknowles
✨LETS TALK TAX DEDUCTIONS + PROPERTY ✨ When you buy an income producing asset (even shares!) there are certain expenses that are incurred that you are entitled to claim against that income. In the case of property - there’s quite a list. Scroll for more info! ✨Like and follow if you want to start your journey ✨ Let me know if any of these was a surprise or if there’s any I’ve missed! Before you click away - I'm not your accountant so your personal circumstances will determine how much you can claim. Go chat to them or the ATO. All of this is just general info intended to help you make sense of this mumbo jumbo. . . . . . #1000dollarproject #personalfinance #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #personalfinanceforwomen #budgetingtips #investing101 #debtfreeliving #barefootinvestor #moneymindset #firemovement #thefutureisfemale #budgetingtips #investmentproperty #propertyinvestment
✨ASK AND YOU SHALL RECEIVE ✨ The hardest - I mean it - HARDEST part of starting your investing or saving or paying off debt or getting your financial sh$t together journey is just that - knowing how to start. Take it from me - when I had maxed out my credit card, I didn’t know where that money was going or why. All I knew was that my card would decline if I tried to pay for sushi. Here’s the thing. You can get better with your money and here is how I did it. ▶︎ BE HONEST. I mean it. You need to look the $70 Uber Eats charge and the $280 boots you didn’t need on your credit card statement. ▶︎ Visualise what you want. If it is buying the boots (on sale and with Cash Rewards mind!) AND having a stock portfolio, amazing! Whatever you want to achieve - you can. But I want you to control your money, not the other way round. ▶︎ Automate everything. If you prefer cash envelopes be my guest. But I got paid digitally (and I was certainly over-spending digitally!) so I made my savings and investments AND my bills direct debit from my account. Like magic the money started to accumulate when I treated it like a bill and not like an optional extra! ▶︎ Accept that you’ll make mistakes. You’re not perfect but hey, let me tell you a secret, neither am I. I didn’t pay off that credit card OR start saving OR star investing without making a few (dozen) mistakes. But I just get kept going. I gave myself a lot of grace. I chipped away at it, I chucked birthday money at it. I worked four jobs and got free of it. But I accepted that I was human, forgave myself and kept on moving forward. Thank you - all 900 of you - for supporting me! I’d love to know what the moment was when YOU decided to stop bickering with your wallet and start bettering your finances in the comments below! . . . . . . . #brokegirlwealth #liveintentionally #moneymindset #positiveaffirmations #affirmations #inspo #growthanddevelopment #moneymotivation #motivationmondays #stockmarketnews #personalfinance #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #millennialinvestor #personalfinanceforwomen #budgetingtips #investing101 #minimalism #financialplanning #financememes.
I've already failed my new years resolutions. ⠀ I wanted to work out three times a week. I've worked out once. Whoops. ⠀ I used to see a misstep as failure. I'd call it quits, settle down with some asos scrolling and Cadbury Dairy Milk. ⠀ We're 9 days into the new year and if you've made a mistake, it's ok. I have too. But I'm not going to 'call it'. ✨Reset. Next meal, next day whatever it is. Forgive yourself and move on. ⠀ ✨Goals are intended to require many tiny steps. One step in the wrong direction is not leaving the path. ⠀ ✨Consider whether what you wanted aligns with what you can achieve. Be aspirational but not autocratic - is it too strict? Is it reasonable? Turn "never eat out" into "only spend $X/mth on takeout". ⠀ ⠀ Tag someone who will be your Michael Jordan and keep you on track on this journey! . . . . . . #personalfinance #frugalfriday #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #millennialinvestor #personalfinanceforwomen #budgetingtips #investing101 #budgettips #stockmarketnews #michaeljordan #dailyinspo #stockmarkettips
How long is a piece of string?
⠀
Well - how long is
✨WHO ARE YOU GONNA BE? ✨ Budgeting is about making decisions that work for your life - not mine, not someone else on the internets’ but yours. It is fundamentally a question of choice. I want room in my budget for Diet Coke and tacky Christmas decorations. I don’t make room for a gym membership. Now, after all your set expenses are taken out (and for those of us in high cost of living cities, there’s a significant chunk there!), how do you want to spend the rest? 👇 👇Let me know who your budgeting personality is in the comments below! 👇👇 *This post is just a bit of fun - if there’s any David Dobrik fans out there - I bet the boy has a smart, long-term wealth plan… probably. #personalfinance #frugalfriday #brokegirlwealth #feministfinance #financialliteracy #debtfreedom #debtfreeaustralia #millennialinvestor #personalfinanceforwomen #budgetingtips #investing101 #frugal #minimalism #budgettips #daviddobrik #financememes
🔍 Wondering what the latest RBA decision means for you? 📈 We’ve got you covered with a breakdown of the announcement and how it could impact your financial future. The Reserve Bank of Australia (RBA) has decided to maintain the cash rate target at 4.35 per cent and keep the interest rate paid on Exchange Settlement balances at 4.25 per cent. Despite a gradual decline in inflation, it remains higher than expected, particularly in service sectors, impacting consumers’ real incomes. The Board highlights ongoing uncertainties in the economy, emphasizing the importance of returning inflation to the target range of 2–3 per cent. This decision suggests stability in borrowing costs for loans such as mortgages and personal loans. However, persisting high inflation rates may continue to affect household budgets, leading to cautious spending behaviors. It underscores the need for consumers to stay informed about economic trends and make informed financial decisions in a climate of uncertainty. Transcend Financial remains committed to guiding consumers through these fluctuations, offering expert advice and tailored solutions to navigate the ever-changing financial landscape with confidence. Don’t miss out – stay informed! Follow @transcendfinancial for the latest updates 💼💬
Welcome to Transcend Financial! 🌟 We’re your go-to Australian finance experts, offering tailored solutions for every step of your financial journey. From mortgages to investments, we’ve got you covered! Want personalized advice? Just drop us a message or visit our website to get in touch. Let’s make your financial dreams a reality! 💼💸✨
New income stream: rent - I got a 2nd housemate, it’s only temporary while she waits to have her financing and such approved so she can buy her own place but it’s an extra $250/w in my pocket. Combined with my other housemate, I’m getting $400/w which pays almost all of my weekly mortgage. She’s been here since Jan and has taught me a lot about myself, along with being super supportive and it’s helped my mental health to not be alone all the time.
Accidentally haven’t posted on this account since April 2022 😅
Got the kids Easter baskets ready tonight! 🐰💝 Easter is basically pjs and a chocolate bunny each year but often I chuck in a few extra items if they need them for winter to get winter ready 🥶 This year they got new slippers and socks, some extra ‘treats’, an eye mask each and a hot water bottle to keep toasty and warm (they often steal mine). None of the items were pricey and I know it’ll all get used and I don’t have to go buy it later 🙌🏻 #easterbaskets #easteronabudget #budgetmum #budgeting #budgetliving #budgetfriendly #budgetlife #debtfreecommunity #debtfreeclutterfree #debtfreejourney #debtfreegoals #debtfreeliving #debtfreeaustralia #easterready
⚡️ 🌺 My name is Elle. 🌺 I am 30-something years old. 🌺 I am a Mumma to a son 🌺 Nurse 🌺 Im sharing the good and bad days when it comes to money, saving, life, goals, etc, and being an independent woman 🌺 Last year I had a goal of saving $20,000 and managed to save over $32,000! 🌺 I have alot more to update everyone on, you will have to tag along for the ride! ⚡️⚡️⚡️ #debtfreegoals #debtfreecommunity #debtfreejourney #declutteryourhome #decluttering #declutteryourlife #debtfreedom #budgetingaustralia #budgetinggoals #budgetlife #budgetaustralia #barefootinvestor #budgeting #ausdebtfreecommunity #ozdebtfreecommunity #financialfreedom #financialsecurity #sidehustleaustralia #sidehustle #debtfreeaustralia #debtfreecommunityaustralia #investing #investingaustralia #sinkingfunds #investinggoals #savinggoals #savings #savingmoney
⚡️⚡️ I'm Backkk!! My little hiatus has taught me so much! Firstly, Welcome back! I have learnt alot being off the gram, and you guys are going to see a bit of a change up on this page. I have a new vision and drive I want to share whilst on this financial journey. I will update you guys in due course. Stay with me on this journey! ⚡️⚡️ #debtfreegoals #debtfreecommunity #debtfreejourney #declutteryourhome #decluttering #declutteryourlife #debtfreedom #budgetingaustralia #budgetinggoals #budgetlife #budgetaustralia #barefootinvestor #budgeting #ausdebtfreecommunity #ozdebtfreecommunity #financialfreedom #financialsecurity #sidehustleaustralia #sidehustle #debtfreeaustralia #debtfreecommunityaustralia #investing #investingaustralia #sinkingfunds #investinggoals #savinggoals #savings #savingmoney #lifelessons #lifegoals
One of my goals this year was to work on my fitness. I work a desk job, 6:30am-4:30pm Tuesday to Friday so I’m sedentary a lot of the time and don’t do much outside of work - having a walking pad will help get my fitness levels up and make me feel more awake/productive while I’m working. Cost me $262 from Amazon and I’m enjoying it so far!
If side hustles are something you would like to try in 2024, then here are 5 side hustles you may want to explore ⤴️ Most of these can be completed online, or in the case of mystery shopping, close to your home 🏠
First top up shop for the year complete ✅ $110 between the local green grocer, farmers market and then Coles. We’re focused on eating more cleaner by getting organic wherever possible this year and taking better care of our health so this has meant switching a few items in our pantry and fridge. We usually eat more naturally and avoid additives/preservatives anyway but this year we wanted to step it up a notch and see how much we could change to organic or pasture raised. Obviously we have to make this work as best we can and be very budget conscious seeing as the cost of living is a little bananas 🍌 But today just proved to me it’s doable if you’re willing to shop around a bit for the goods. Coles is cheaper than woolies with some items and then woolies is cheaper than Cole’s for other items and then the farmers market is cheaper than both for some of the others. Organic does cost more but to my surprise, not as much as I thought. For example, at Woolworths a kilo tray of apples to switch to organic is only about $1.10 more than conventionally grown apples. Some canned items were only 50 cents more for an organic product. Meat is going to be our most challenging to change as it’s definitely more pricey so we’re looking to try @ourcowau and buy about a months worth to fill the freezer and avoid the supermarket altogether. Will see how this goes as the year progresses and try plan out my days to stop by each shop so it’s not all on the same day each fortnight. I wanna shop smarter not harder 😂 #eatwell #simpleliving #budgetfriendly #simplyeatwell #frugallife #frugalaustralia #frugalaussiemum #debtfreejourney #debtfreecommunity #debtfreeaustralia #debtfreegoals #debtfreefamily
Christmas has been busy with my little pet sitting side hustle. I’ve had 3 dogs come and go throughout the month and managed to make some good coin to put towards our debts to start January 2024 off right. I’m declaring it to the U(niverse) - THIS is the YEAR we become DEBT FREE!!!!! 💸 🌻💕✨ #debtfreejourney #debtfreecommunity #debtfreecommunityaustralia #debtfreeaustralia #debtfreeliving #debtfreegoals #budgetmum #budgeting #2024goals #newyearsbaby #letsdothis #moneymindset #frugallife #frugalaustralia #frugalaussiemum #frugalfamily
If you've been watching my stories then you will know that we are in my home country to spend Christmas and New Year holidays with my family👨👩👧👦 We flew out a few days to Christmas in the business class cabin (all three of us)✈. I posted some videos and photos in my stories as I couldn't get over the experience😂😂. The spacious leg room was just what this pregnant mama needed together with my compression socks✅✅ I wouldn't go into detail about we how we got onto the business class cabin as I don't want to be identified😊 This is my first time flying in this cabin but trust me, this is needed for long haul flights. For once, I didn't even know when we took off as it was so smooth. The service was a premium (three course meal🍲🍛🍧), the additional baggage meant we could fly with more gifts for family members. The seats can be adjusted to a flat bed which was perfect for us all. Our son💁♂️ slept for a solid 2 hours...phew. The services such as bigger screen, pillows, blankets etc. made the trip memorable💛❤ Imagine being welcomed on board with a glass of champagne!🥂🥂 I shed a tear as I watched my husband and son settle into their comfortable seats because what we were experiencing in our 30s was what our son was experiencing at 3! I come from a working class background where this is luxury but I made a decision on that flight this will be the norm for any flights over 4 hours for us. Time to work smarter, I 100% believe I will be successful in life with God's guidance and grace 🙏🙏 #businessclasssurprise #cabin #flighttoseefamily #financialindependence #firecommunity #firemovement #moneymoves #Godismyprovider #IcandoallthingsthroughChrist #zerobasedbudgeting #2024wemovedifferently #generationalwealth #buildingslowlybutsteadily #debtfreecommunity #debtfreeuk #debtfreeaustralia
This is how we roll...sharing our thoughts, experience and knowledge to help everyday people pay off their mortgage, save time, save money and enjoy life. If you want myself (Adam) or my business partner, Joe Fedele to have a look at your home loan or investment loans (including SMSF), feel free to reach out. Cheers, Adam McCabe... #mortgage #mortgagebroker #mortgagetips #mortgagetipsformillennials #debtfreecommunity #debtfreeaustralia #financialgoals #financialmotivation #financialindependence #financialindependenceretireearly
Did you know? Recent data from the @absstats revealed a whopping 4.9 per cent increase in Australian household spending. Many Australians are dealing with some form of debt or struggling with the increased cost of living. Let's tackle this together! Ready to take control of your financial journey? Reach out to us via our #linkinbio to find out how we can make your money work for you. #DebtFreeAustralia #FinancialWellness #ContactUsToday
The Money Brew | Episode 06 | Be a Financial Goal Getter with Kylie Sultana Setting a Financial Goal can give you direction and purpose, just like any other goal. When was the last time you set yourself a financial goal? Listen to the episode via the lkink in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Sold my Evanescence ticket on tixel bc I got rostered to work. Saw the concert for free, got paid to work and sold my ticket as well! 🔥 this is the first time I’ve sold via @tixelofficial as Ticketmaster wouldn’t allow resale via their own website, didn’t love having to pay fees but it was an easy process!
Or the one where you just fall and fall… #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
The Money Brew | Episode 08 | Meet the team at Creo Wealth – Sigo Siriphokha Meet our new adviser, Sigo Siriphokha. We chat about his money story and why he became an adviser. #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
If it’s covered it's fair game… #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Sometimes old habits die hard. Even though we have done our best to pay this debt off, there may come a point where it makes sense to look at consolidating this into your home loan if you can access a much cheaper interest rate and finally get rid of the credit card so that all temptation is gone. If you have a home loan and want some guidance, please give Adam or Joe a call. Details linked in bio. #creditcarddebt #debtconsolidation #debtfreecommunity #debtfreeaustralia #debtfreeaustralia #creditcard
The Money Brew | Episode 07 | Love & Money with Kylie Sultana Relationships are hard, let's remove the money arguments so all you need to worry about is who's doing the dishes Check out the episode via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Hey wealthers, we’re here to debunk the myth: investing is for EVERYONE. Yes, you heard that right! No matter if you're a recent grad or a seasoned pro, it's never too early, or too late, to embark on your wealth creation journey. 🚀 Got financial dreams? 🏠🏝👠 From your first home to a private island, or even a closet full of Jimmy Choos, we’ve got you covered! Our team offers tailored advice - no one-size-fits-all here! And shoe lovers, meet Kylie, our resident shoe enthusiast. We're a judgment-free zone! Our mission? Get to know you. Understand your risk tolerance. Uncover your financial goals and your ideal lifestyle. 🎯 Then, we design a financial plan that fits like a glove. #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
One of the things you can expect on this page is me keeping it real that's why i love the Anonymous mode too😊😂 . I took a loan of £10,000 to invest in an income generating asset about two years ago and I have been paying it off monthly. The interest was about 4%, not very high but I don't like debt at all, gives me sleepless nights🙁. . Something about being in debt doesn't sit well with me except it is a mortgage so today I called the bank🏦 and paid off the balance of £4,620. The emergency fund may have taken a hit but here is cheers to saving an extra £250 a month...phew✔👏🙂 #debtfreecommunity #goodbyedebt #hellomoremoney #personalfinance #personalfinancecommunity #moneymoves #firecommunity #firejourney #ukmums #womenwhoinvest #investingforfire #debtfreeuk #loan #debtfreeaustralia #milliomairemindset #financialindependence #creditcard #discoverunder1k #investingforwomen
The Money Brew | Love & Money with Kylie Sultana: Relationships are hard, let's remove the money arguments so all you need to worry about is who's doing the dishes Check out the episode via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
What are your goals for your mortgage? Sound silly but did you know that if you set a goal, you are 43% more likely to achieve that goal that if you did nothing at all. If you need help with this, give us a call so that we can do some brainstorming with you. Just ask for Adam or Joe! #mortgagetips #mortgagetipsformillennials #debtfreecommunity #debtfreeaustralia #debtfree #debtfreejourney #financialindependence #financialindependenceretireearly
Hey Wealthers, knowing what kind of people we are I truly believe helps to build trust when you are talking about your finances. This is why I think it's important to highlight the 6 values that make sure we deliver time and time again. Our third core value is " Solutions": Presenting you with solutions that best suit your circumstances and your financial goals. No cookie cutter financial planning advice here. Check out how we can deliver knowledge to your finances via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
We want to extend a heartfelt thank you to our incredible client, Justin, for sharing their awe-inspiring financial triumph with us! We are truly grateful for your trust in Creo Wealth. Your story is a reminder that dreams can become a reality with determination and the right support. “I had a financial plan in my head but also had some doubts. Working with Anthony clarified what I needed to do, make some necessary changes and moreover the confidence to do it. The advice worth every cent. Thanks.” - Justin Melton #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
True story #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
The Money Brew | Episode 08 | Meet the team at Creo Wealth – Sigo Siriphokha Meet our new adviser, Sigo Siriphokha. We chat about his money story and why he became an adviser. #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Hey Wealthers, there is something more to a drive than just making sure you are looked after the best you can be. We are guided by 6 values that make sure we deliver time and time again. Our first core value is "passion": We have a passion for numbers and helping you reduce the fear that comes with managing your finances. The result? You can walk your journey towards financial freedom with more confidence. Check out how we can deliver passion to your finances via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Thanks for introducing me to the concept of Sinking funds. Yes I don’t like those annual payments scaring me 😜 💰We have everyday account for our salaries. 💰We also had an emergency fund, which is a saving maximized account. 💰Next is my favorite Travel & lifestyle account, talk about special treat or celebration 🎉 💰Spending Account - New account to tackle those annual renewals. 💰Future Account- Another new account to make sure I am saving money for my Super Contribution 😍 Do you have Sinking Fund? #sinkingfunds #financialfreedom #financiallywisewomen #financialindependence #australianmums #debtfreeaustralia
DEBT FREE 2023 Decided to use some of our tax returns this year to pay off the last of our debts. After tossing up between putting it all toward a car or paying off the debts, it was decided that debt had to go! 10 years & over $50,000 debt over the years in various forms, centrelink debt $24k, electricity bill that went to debt collectors, afterpay accounts x2, credit cards, car and boat loans AND ITS ALL PAID OFF! 🎉 . . . . . #debtfreecommunity #debtfree #debtfreejourney #debtfreegoals #debtfreeaustralians #debtfreeaustralia #debtfreefamily #debtfreeliving #debtfreedom #debtfreecommunityaustralia #debtfreelifestyle #saving #savingschallenge #savingmoney #savingmoneytips
Hey wealthers, I have an exclusive offer tailored just for you. Many of us fantasize about attaining financial freedom and security, but at some point, we must confront ourselves with a crucial question: "Is it merely wishful thinking, or am I actively striving to transform it into reality?" Naturally, the concept of financial freedom varies from person to person, yet one undeniable truth remains: without proper planning, it will remain elusive. Gain access to our complimentary Financial Goal Setting Workbook by visiting the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Hey wealthers, we want to raise a toast to our incredible client, Sarah-Jane, for bravely sharing their financial success story with us! You are a beacon of inspiration for others who are on their own financial journey. We can't thank you enough for your trust in Creo Wealth. Your words of appreciation warm our hearts and reaffirm our commitment to helping individuals like you achieve their goals. “After meeting with Anthony and Kylie from Creo Wealth you can tell they genuinely care about their clients and helping them to succeed. They really know their stuff and I would recommend them to anyone looking for an amazing financial advisor.” – Sarah-Jane #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
The Money Brew | Episode 15 | Property Investing 101 This episode we chat with Glenn Newbury from Suburbanite. Glenn is a buyer’s agent who has over 25yrs experience in property investing himself and has built himself an impressive portfolio. Listen to how he works for his clients and top tips for getting started. Check out the episode via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
This is my first weekend off since mid April, I’ve been working 6 days a week (46h/w) in order to bank some extra funds while the opportunity is there. I worked extra this week as well but did my overtime during the week so I could have a full weekend off and I’ve done absolutely nothing, it’s been wonderful. I do not glorify burn-out in any circumstance, it’s never good and while I’m doing okay with it at the moment, I know it’ll cost me in the future - the less sleep I’ve had had caused me to be really sick over the last 1.5 weeks and I pushed through that as well (which wasn’t smart lol) but I’m on the mend and will be taking care of myself. My schedule changes over permanently next week to 7:30-5:30 4 days a week (still FT hours) and I am so excited to have the extra day off! It’ll be an adjustment but my mental health is going to love me for it!
This is the amount I have earned from doing surveys this month. I do surveys from only two sites: 1. Prolific 2. MSR Having limited time in a day because of my job, I do prolific surveys only at night after my son has gone to bed and at my lunchtime. MSR surveys are sent daily and it takes about a minute to complete them. . This may not be a lot of money but I enjoy having it as an extra to save, spend on myself or take my little boy out for a treat😊 Do you do any surveys and what your favourite survey site? #surveys #moneymoves #extracash #financialindependence #financialiteracy #prolific #msr #mortgage #debtfreecommunity #debtfreeuk #debtfreeaustralia #moneymanagement #moneyinmypocket #sidehustle #hustle #surveyapp #moneydecisions
It’s a fixer-upper. #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
The Money Brew | Episode 14 | Love & Money: Stories from couples in love and business part 2 Get ready for part 2 of this 2-part episode with Jo Violeta, where we delve deep into their journey of managing money as a couple. Discover their secrets to financial success as we explore their unique strategies for saving; spending; and setting and achieving financial goals. Jo also reveals how they impart their invaluable wisdom on financial wealth to their son. Don’t miss out on this interesting conversation! In this episode: - Jo shares how she and her husband share the same values when it comes to money. - Tips on how they impart their financial wisdom to their son. - Learn how they set and achieve their financial goals. Check out this episode via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Who said grannies can’t be cool? #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
The Money Brew | Episode 12 | My chat with Aaron from Atelier Wealth on my money story Sharing my chat with Aaron from Atelier Wealth on my money story amongst other things. Brew yourself a cuppa and enjoy. In this week’s episode, Kylie Sultana, Practice Development Manager at Creo Wealth and creator of Money Management course, shares her insights and tools to improve your relationship with money and create a financial plan aligned with your values and goals. She also talks about her insights on the Barefoot Investor strategy, how to understand and rewrite your money story, how to effectively quantify your return on investment, how older and younger couples approach financial planning and retirement differently, why Kylie created her money course and how it can help you take control of your financial well-being, and so much more! If you want to learn how to reframe your mindset around money so you can become more empowered and make better financial choices, then make sure to listen to this episode! Check out the episode via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
And it’s gonna be the best 11 minutes of my life #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Join us for another episode of The Money Brew as we dive into the love & money story of Jo Violeta of @violetafinance. Jo opens up about her journey in running a business alongside her husband, her personal struggles with imposter syndrome, and the valuable lessons she learned along the way. Not only will you gain insight into Violeta Finance’s approach to attracting and assisting clients as dedicated brokers, you will also learn more about their observations of the current market landscape. In this episode: - The story of how Jo started working with her husband in their brokerage business. - How Jo struggled with imposter syndrome in the process. - A look on how the company views the current market. - How they attract and assist clients. Check out The Money Brew | Episode 13 | Love & Money: Stories from couples in love and business part 1 via the link in bio #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia
Facts are never dramatic. #Creowealth #FinancialAdvisorAustralia #MoneyManagementAustralia #InvestmentAdviceAustralia #RetirementPlanningAustralia #WealthBuildingAustralia #FinancialLiteracyAustralia #SavingTipsAustralia #FinancialGoalsAustralia #FinancialFreedomAustralia #PersonalFinanceAustralia #BudgetingAustralia #DebtManagementAustralia #InsuranceAustralia #EstatePlanningAustralia #FinancialWellbeingAustralia #AustralianFinancialAdvisor #FinancialPlanningAustralia #SavingsAustralia #InvestmentAustralia #RetirementAustralia #FinancialSecurityAustralia #FinancialEducationAustralia #WealthManagementAustralia #DebtFreeAustralia #FinancialSuccessAustralia #SmartInvestingAustralia #MoneyMindsetAustralia #FinancialIndependenceAustralia #SecureRetirementAustralia