I wish I was taught that at school

You probably saw the Medibank ads that were intended to show that selfcare is important. Even though some thought the ads shamed mums, with the “Thanks for walking out” theme, the idea was admirable and the message valuable.We explore that theme in this week’s Chalk Talk.Stop celebrating being too busy to take care of yourself. Depleting your own resources is not the way to do things, because you can’t pour from an empty cup.We think it’s a pretty important discussion to have, so have a listen via our website, iTunes, or Spotify.

Jo-Anne Davies is a well-respected figure on the Melbourne real estate scene, being a Licensed Agent, a Buyer’s Advocate, and a Vendor Advocate.Jo-Anne works at Property Home Base and is passionate about helping people understand and work their way through the ups and downs of finding, buying, and selling real estate.She believes that many vendors – just like buyers – can benefit from independent advice, particularly if they aren’t familiar with the property market or dealing with agents.In this episode, we look at how the property market is being impacted by the current coronavirus crisis and the rules around it, including:What no open homes and no public auctions means for sellers;Whether more off-market sales benefits buyers;Whether there more opportunities for motivated sellers or buyers;Jo-Anne also explains:What the role of a vendor advocate is and why people use one;How she selects a suitable agent for a vendor;The things she tells all buyers to look out for.Jo-Anne will open your eyes to the value of independent advocacy.You can find Jo-Anne via:Website: propertyhomebase.com.auLinkedIn: jo-anne-davies-5ab25912Facebook: facebook.com/propertyhomebase.com.auMessenger: messenger.com/t/propertyhomebase.com.auEmail: info@propertyhomebase.com.auDon't forget to follow us on our socials:Website: https://withevelynandemily.comFacebook: https://www.facebook.com/withevelynandemilyInstagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Do you define yourself by how you are at your best, your worst, or somewhere in between?Is it fair to say that you’re really only as good as your lowest bar, the lowest standard of performance you’re willing to accept of yourself?This week, Chalk Talk looks at the mindset and discipline you need to do everything to your highest standard.Have a listen to our chat via our website, iTunes, or Spotify.

Keryn Batsilas is a qualified financial adviser who has set up Your Life & Money Matters to help people of all ages and at all stages of life improve their financial skills.Keryn believes that financial literacy is a basic life skill that should be taught early but says it’s never too late to start improving your money management habits.She concedes that it can be hard for some people to get started, especially if they have to change some behaviours, but sticking with it always pays dividends (so to speak)!In this episode, we look at some of the things that Keryn believes everyone can and should do to improve their money management skills, including:Why having a solid spending plan is a crucial starting point;What motivates people to get on top of their saving and spending;Why you should split your money into separate accounts;How to be strategic about your spending – and be OK with that; andWhat she has against credit cards!Whether you’re just starting to get on top of your finances or are well into your personal financial journey, Keryn’s advice is easy to understand and quite simple to put into practice.You can find Keryn via:Website: yourlifeandmoneymatters.com.auInstagram: @yourlifeandmoneymattersFacebook: facebook.com/yourlifeandmoneymatters/Twitter: twitter.com/YLMoneyMattersEmail: keryn@ylmm.com.auPhone: (03) 9001 7617Don't forget to follow us on our socials:Website: https://withevelynandemily.comFacebook: https://www.facebook.com/groups/withevelynandemilyInstagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_baKeryn Batsilas is a Financial Adviser from your Life and Money Matters, an Authorised Representative of Avalon fs. Anything Keryn talks about is of a general nature and not to be used as personal advice.

Which of your instincts is stronger? Are you ‘once bitten, twice shy’ or ‘if at first you don’t succeed, try, try again’?Or does it depend on how risky or scary the exercise or action?In this week’s Chalk Talk, we discuss revisiting and overcoming an instance where you’ve been burnt.Check it out on our website, iTunes, or Spotify.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Mild mannered co-host of the I Wish I Was Taught That At School podcast Emily Wallace is this week’s guest, in her guise as buyer’s advocate Emily Wallace (you, know, her actual job)!We find out a bit more about what Emily does as a buyer’s advocate, specifically around her access to more properties than those we can all see listed on real estate websites.You’ll probably be surprised to hear what proportion of property sales are transacted this way (that’s revealed about nine minutes in).In this episode we take a deep dive into what off-market property selling is all about including:How buyer’s advocates have access to more property ‘stock’;Why someone would want to sell a property off market;What are the upsides of an off-market sale;Could you buy the property you’re currently renting;How you, as a buyer, protect your interests.Whether you’re thinking of selling or looking to buy, you need to know about this ‘underground’ property market and how it works.If you’re looking for a buyer’s advocate, Emily’s website isn’t too hard to find: emilywallace.com.auDon't forget to follow us on our socials:Website: https://withevelynandemily.comFacebook: https://www.facebook.com/groups/withevelynandemilyInstagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

No-one has yet found the secret to immortality, so how will we be remembered, when it’s all said and done?How important is it to have a positive impact on people whose paths you cross?Check out the latest Chalk Talk where we look at the big question of leaving behind a legacy with how you live your life, as much as what you achieve.It’s available now on our website or via iTunes or Spotify.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Josh Pennell is a Director of Prosper Advisory and head of Wealth Management and Financial Planning.He holds a degree in Economics and Finance, is a Certified Financial Planner CFP®, and is a member of the Financial Planning Association of Australia.Josh is passionate about helping people achieve the financial success and freedom they deserve and is always happy to share the knowledge he’s gained from 16 years’ experience as a Financial Advisor.In this episode, we look at how Josh got started on his own wealth-building journey and hear the advice he thinks everyone can benefit from, including:Why establishing money-management habits is an important foundation;How various factors contribute to building your equity;How a solid strategy and good habits help open up greater opportunities;How important it is to understand your financial situation holistically;How to prepare yourself before you get a mortgage.If you’re yet to get started on your own path to prosperity, or if you’re already doing some solid wealth building, you’ll get something actionable from Josh’s words of wisdom.You can find Josh via:Website: prosperadvisory.com.auLinkedIn: linkedin.com/in/joshpennellfinancialadviceFacebook: facebook.com/prosperadvisoryEmail: joshp@prosperadvisory.com.auPhone: 03 9557 7654Don't forget to follow us on our socials:Website: https://withevelynandemily.comFacebook: https://www.facebook.com/groups/withevelynandemilyInstagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever been judged by someone who has put you in a box – the wrong box – before they’ve even taken a minute to get to know you?We all have some inbuilt biases that inform stereotypes. We all make some subconscious judgements about others based on their age, appearance, occupation, or other relatively superficial cues.In this week’s Chalk Talk, we ponder whether maybe we’re more open to breaking down societal norms and expectations than previous generations …

LVL Group was born when Matt Long and Dom Poole spotted a need in the market.The recognised that many owners want to spruce up their property prior to putting it up for sale or rent, to maximise their returns.Now, they also help potential buyers looking through a property they’re interested in purchasing, by quoting on the sort of work they’d like to do if they do go ahead and buy.In this episode, we discover what facelift renovations are all about, including:What a typical facelift renovation involves;How much you should spend and how to determine that;How LVL Group goes about the process;What are the advantages over doing it yourself (hint: stress v no stress!);How to ensure you’re adding value and delivering what the market is looking for.If you have – or are looking to buy – a property that could use a good ‘freshen up’, the LVL Group guys can put you on the right track.Oh, and the property in Richmond referred to in the podcast is at 22 Stawell Street!You can find the LVL Group easily via:Website: lvlgroup.com.auLinkedIn: linkedin.com/company/lvl-group-australia-pty-ltdInstagram: @lvlgroupausFacebook: facebook.com/lvlgroupausDon't forget to follow us on our socials:Website: https://withevelynandemily.comFacebook: https://www.facebook.com/groups/withevelynandemilyInstagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Are simple and easy the same thing?Not when something is really quite basic – meaning that it is simple – but it takes a bit of willpower to actually do it – meaning it’s not easy at all.So, how do you make a simple goal easier to achieve?Check out this week’s Chalk Talk on our website, iTunes or Spotify.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Eve Smith is a collaborative family lawyer at Umbrella Family Law.She understands that any contact with the legal system can be quite daunting for most of us, but it’s even more challenging and emotional when it involves a relationship breakdown.Being a mum of two very active boys changed Eve’s approach to family law. She wanted to be able to practice in a holistic, family centric way that avoided court proceedings and helped everyone involved become emotionally ready to start their new lives.Training as a collaborative family lawyer gave her a variety of different tools to help resolve issues without the need for court proceedings.After moving to Melbourne from England, she partnered with Jane Libbis to form Umbrella Family Law to offer a more empowering option for people facing separations in our modern world.In this episode, we discuss how collaborative family law differs from what many expect from ‘traditional’ law practices, including:Why avoiding litigation is preferable for separating couples;How Umbrella Family Law treats people differently;How collaborative law is less adversarial and more flexible;What are Consent Orders and Binding Financial Agreements;Why collaboration with complementary professionals is an essential part of the holistic approach.No matter what your current relationship status, you should know that what Eve offers is available.You can get in touch with Eve at Umbrella Family Law via:Website: umbrellafamilylaw.com.auLinkedIn: au.linkedin.com/in/eve-smith-26202138Email: eve@umbrellafamilylaw.com.auPhone: (03) 9923 2020Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

People generally don't like change. It can be stressful and nerve wracking. But change doesn't necessarily have to be a bad thing. Reframing change and your response to it can be both powerful and empowering. Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Andy Reid is one of Victoria’s leading auctioneers.His unique path from a successful career in hospitality, through marketing and real estate sales, to being hooked on auctioneering, led him to establish Sold By Auctions.Andy’s knowledge, passion, and unique insight into how to help both clients and agents makes him a clear leader in his field (not to mention having been a finalist for the 2019 REB Auctioneer Of The Year Award). The Mission of the Sold By Group is “To increase the success of businesses through improved representation and communication”.In this episode, we look to uncover the secrets of bidding at auctions, including:What all those auction-related words mean;What rules apply to bidding and auctions;How to prepare yourself for an auction;Should you be influenced by other bidders;When and how to make your bids.Whether you’ve been to dozens of auctions or none (yet), you’ll learn a lot from Andy!Andy’s not too hard to find online:Insta: https://www.instagram.com/_andy__reid_/Facebook: https://www.facebook.com/soldbyauctions/LinkedIn: https://www.linkedin.com/in/andyreidsoldbygroup/Website: https://www.soldbyauctions.com.au/Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

“I can’t, because …” is a roadblock you create and perpetuate.Don’t fall into the trap of setting your own limitations.Instead, increase your expectations.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Megan Taylor is an investment property specialist with Longview Real Estate.Megan grew up around the industry – her dad was in real estate – but she wasn’t immediately drawn to follow in his footsteps. However, once she did put her toe in the water, she dived right in and started swimming!Longview was founded by property investors who couldn’t find what they needed so created their own property advisory firm. They look after all sorts of property portfolios for clients ranging from first-time to life-long investors.In this episode, we look at the ins and outs of investment property, from both the landlords’ and renters’ perspectives, including:● Why you should get independent advice;● How data helps inform good decisions;● How to make your rental property appealing to tenants;● Whether Airbnb is a viable option for property owners;● Why ‘rentvesting’ is a great way to get your foot onto the property ladder.If you have any interest in investing in property, Megan’s insights will set you on the right track.You can follow Megan on Instagram @megantaylor_longviewFine her on Facebook: https://www.facebook.com/MeganTaylorIPM/Or contact her via email: megan.taylor@longview.com.auDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever been held back by the fear of what other people think?We get it, or at least Evelyn does! In this raw and relatable Chalk Talk, Evelyn asks Emily about her 'no-care' mentality, having admired that she never worries about being judged by others.Evelyn and Emily discuss overcoming fear of perceived opinion and judgement, and learning to be 100% true to your values.Remember, you are your own worst critic! The funny thing is, everyone is so preoccupied thinking about themselves, they're actually NOT thinking about you!For Emily, the most important thing is to portray her authentic self, which will naturally attract the right people.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Jess is a Coach & PT who loves helping and educating people to be better physically, mentally and emotionally. She’s been working as a coach in the industry since 2012.When asked why she loves being a coach she says, "The basics matter. Taking care of yourself matters. Being kind to yourself matters. Health and fitness is not about beating yourself up, punishing yourself and restricting yourself. It’s learning how to love your body, how to match your habits and behaviours to the person you want to become.The cool thing about IOT is we get to do it in an epic community with other awesome people all working on themselves. It’s not about the destination. It’s not about one day when I’ve achieved (insert goal) - that’s when I’ll be happy. It’s about learning to enjoy the process and aiming to be that little bit better each day."You can get in contact via:Inside Out Training - insideouttraining.com.auInside Out Training Instagram - @insideoutgrouptrainingJess’ Instagram - @coachjessryanDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Evelyn and Emily were lucky enough to attend an event in which the CEO of Uber Eats was the guest speaker.One topic that has stuck with them both long after the event was, "How do you stay in front of the competition?"Evelyn had been wanting to ask this! So was wrapped to hear the response.Jodie says, "You need to remember why you started your business in the first place".What you will find is, this is actually linked back to providing service to your customers. Watching the competition makes you reactive instead of proactive. It's ok to have your blinkers on, but never let your competition dictate your service.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Today's guest is Kylie-Ann Kobelt, business coach and director of Solution Creator.Growing up on a small country farm, Kylie-Ann was taught there is always a way if you are willing to find one! She later went on to run a number of successful beauty clinics, and has now put it all together working as a business coach.Today, we discuss the importance of having a growth mindset, and the idea of mindSHIFT.This episode discusses:Why competition vs community holds business owners back from success.The importance of being present - speak to others the way they like to listen, rather than the way we want to be spoken to.Common problems Kylie-Ann sees in organisations - poor culture, poor communication, lack of team connection.What is fixed vs. growth mindset?Tips on making the shift from employee to self-employed.Kylie-Ann focusses on helping business owners to improve their organisation culture, level up, and set an exit strategy.You can get in contact via:Kylie-Ann's WebsiteLinkedInFacebookInstagramDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Emily shares a fantastic quote in today's Chalk Talk, "the person who says it cannot be done should not interrupt the person who is doing it."There are many takeaways from this quote:Instead of interrupting and putting down a person for trying, could you perhaps come from a place of learning and understanding?Is your disbelief a reflection of your own insecurity?Every time something is done for the first time, it has never been done before!Evelyn also discusses the concept of the four minute mile "barrier". The first time it was broken was in 1954, after seeming impossible. Only 2 months later, it was broken again. Now it has been broken by over 1,000 athletes.Moral of the story - things will always seem impossible until they are achieved.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Dianna Daou is an academic coach and founder of True Coaching.When Evelyn and Emily heard True Coaching's vision - to coach students on study strategies and techniques not taught through the traditional schooling system - it screamed PODCAST to us!Dianna is fascinated in learning how we can maximise our brain's natural ability to process information.In this episode, we discuss some fantastic techniques and transferable skills from school to workforce, or life in general:The rule of retention - how often should you study/review new information?The importance of proper communication skills, especially lateral communication.How to "win the game" of exams and assessments.The importance of time management.Dianna aims to change the mindset of her students to look at the CONTEXT of their learning, not just the CONTENT.A very thought provoking discussion that sheds some perspective continuous learning and transferable skills not only in school, but life in general.You can reach Dianna via her email: dianna@truecoaching.com.auOr via phone: 0431 606 704Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

What does your reputation say about you? It is congruent with how you want to be perceived?Emily shares a great quote around your reputation being built off what you have done, not what you intend to do.Evelyn then takes this further by reflecting on the impact of actions over thoughts or promises with no action behind them.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Last week, Evelyn explained the process of obtaining a pre approval to buy your first home. This week, Emily gives some expert tips into securing the right home.These episodes provide a snapshot into our First Home Buyer Seminars in Melbourne, where we provide a more in-depth overview of the process, answer your questions directly and discuss specific examples.Part 2: Now you are pre approved, it's time to search and secure!How do I research the current market and existing stock?What to do at an open home and some tricks to look out for.How should I interact with real estate agents?How many inspections should I attend?Tips on floor plan and location.What is the difference between an auction and private sale?Getting a contract reviewed and submitting an offer.When is the deposit due?Important pre settlement tips.What is settlement and who is involved?If you would like to express your interest in attending our next First Home Buyer Melbourne Masterclass, please send us an email!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

In this Chalk Talk, Evelyn and Emily discuss the concept of diversifying your income through multiple streams.There are so many creative ways to do this now, especially given the technological world we live in.Ultimately, creating an asset that produces an ongoing income is a great way to not only supplement your "day job", but build a long term future.We encourage you to go back to Episode 108 where we interviewed Paul Benson on investing in shares and starting a side hustle.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever told yourself, "I'm great at keeping on top of my fitness regime! But shocking when it comes to controlling money management..." Or perhaps the other way around?Emily recently attended a business event which opened her eyes to one simple way to change this.If you have fantastic fitness habits, there is NO reason why you can't have fantastic finance habits too!Follow Calvin Coyles here for future events.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Over the next two weeks, Evelyn and Emily take you through a two-part series on how to buy your first home.These episodes provide a snapshot into our First Home Buyer Seminars in Melbourne, where we provide a more in-depth overview of the process, answer your questions directly and discuss specific examples.Part 1: From the initial decision to buy, to obtaining your pre approvalWhat is a mortgage broker? Why would you consider using one?Step 1 - When is the right time to sit down with your mortgage broker/banker?Step 2 - How much can I borrow? What does a bank look at to determine this?Step 3 - How does this then transfer into a purchase price?Step 4 - Putting an application together for pre approval.Step 5 - When you find "the one", how is your pre approval converted to formal loan approval?Terms discussed:If you are confused about any of the following terms mentioned in this episode, or wonder how they may apply to you, feel free to reach out to Evelyn!Assets and Liabilities, Borrowing Capacity, Lenders Mortgage Insurance (LMI), Deposit, Guarantor Loan, Parental Gift, Loan to Value Ratio (LVR), ConveyancerStay tuned for Part 2 next week - now that you are pre approved, it's time to search and secure!If you would like to express your interest in attending our next First Home Buyer Melbourne Masterclass, please send us an email!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_baEvelyn Clark is an authorised credit representative (Credit Representative No. 502891) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).

We have created a list of 9 top tech tools to help you in your business. Share this list with your audience, and let us know what other free/paid apps and tools you use that make be beneficial to others.Canva - free and paid versionVidwiz - similar to Canva, for 30 second videosUnsplash - stock imagesGiphy Capture - make free GIFsFiver - find a freelancerAirtasker - task outsourcing platformBitly - shorten a URLHeadline Analyser - score your headline for click-baitAnswer the Public - content idea generatorDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

In this Chalk Talk, Emily discusses the idea of spending money to make money. Some may label this 'investing'.Specifically, Emily shares an example demonstrating how you may choose to spend money on 'non-dollar-productive tasks' to afford you more time to complete tasks that bring in revenue.What do you trade off in your life or business in order to spend more time on 'dollar-productive' tasks?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

With an ATAR of 28, how did Christian Gravias produce a viral property video and land as Director of the incredibly successful Collings Real Estate?Christian is a prime example that all you need to succeed is a lot of hard work (yes, a lot) and a little thinking outside the box.This episode covers an enormous variety of topics. You are going to want to take some notes!Starting with Christian's schooling background, we discuss where his initial interest in real estate came from. Then fast forward to the importance of maintaining Collings' culture in his now team of 10.You will also hear:The first question Christian asks every employee candidate in an interviewHow Christian has used social media authentically (Click here to download Gary Vee's guide to 64 pieces of content in a day)Why you NEED to get on videoDon't let the fear of other people's opinions stop youWhere Christian's drive and motivation comes fromWhy Christian sets goals he believes are so crazy they are almost unachievableChristian's online platforms can be found here:RealEstate.com ProfileLinkedInFacebookInstagramDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Do you sit down or stand up when you eat?Have you every considered that your brain may actually be processing each of these in a different manner?It's the same when eating with distractions. Is your brain focussing on digesting food, or scrolling through Instagram?A little reminder to be PRESENT. Sometimes we simply forget. Other times, we think we could be achieving more by multitasking. What is better for your health?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Emily was inspired recently by a Facebook video which compared the attitudes towards others of two employees.Both employees were going for job promotions. One was only nice to their upper managers, the other was nice to everyone in the organisation, including the cleaner.What do you think happened next?This Chalk Talk discusses mutual respect. Our takeaway, to "pay it forward" regardless of the outcome. Do you act in a particular way with the expectation of being paid back?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Do you sometimes feel you lack clarity or a sense of purpose in your life?Tom Ahern is a councillor and fellow podcaster who's incredible mental health journey started from the moment his AFL dream was dispelled.In hindsight, it was the best thing that could have happened to Tom, however, this is often so difficult to see in the moment - a notion Evelyn and Emily so strongly believe.Tom shares how his 'me-search' lead him to develop a passion for the mind, the brain, and psychology.We dive into the following:Why Tom created his podcast, and believes everyone should!Why the world has 'never been better' and yet, mental health has 'never been worse'.Why it is so important to have a vision for your future.How to live through your values.Where to start if you're feeling lost or lacking clarity.Why it's natural to feel exposed in having your own vision.We recommend you check out Tom's podcast here.You can also follow him on his social media platforms:Tom's InstagramMind Mate Counselling InstagramEmail Tom: mindmatecounselling@gmail.comDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Evelyn and Emily chat about celebrating and reflecting on your wins. More specifically, we go into discussion on maintaining a healthy level of reflection - not dwelling.Evelyn shares a quote, "the greatest detriment of tomorrow's success is today's success," which she interprets to represent a mental blockage for people's ongoing and continual achievement. What do you think - Is there a healthy level of celebrating success? And when should you reflect on your past?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Emily shares a thought provoking quote:"Great minds discuss ideas,Average minds discuss events,Small minds discuss people."It got us thinking, for our listeners, what do your circle of friends discuss?We believe you need different circles of influence, however, if you are only ever discussing "people", do you need to expand your network?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Conveyancing is often confused with surveying, surveyancing, or convincing... Regardless of what you call it, it is actually one of the most (if not THE most) important step in purchasing a property.We sat down with Nicole Faid, Director of Accord Conveyancing, to discuss her role as a conveyancer, as well as sharing some of the weird and wonderful stories throughout her experience.The moral of today's episode is to engage your qualified conveyancer at the right time, and to get any conditions in writing!We cover a number of topics:What is a conveyancer and what do they do?When should you engage a conveyancer?The importance of reviewing a contract BEFORE you signWhat are special conditions, why are they important?Nicole then shares some funny examples where due diligence has gone very wrong relating to fixtures and fittings, accessory titles, goods passing with the property, and the property being in working order at settlement.Lesson learnt - don't assume something is included in (or excluded from) the contract, get it in writing!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Today's Chalk Talk is with special guest, Michele Carson, who we recently had on the show to discuss goal setting.Have you ever heard the 'crabs in a bucket' analogy? It is a fantastic metaphor to describe the restrictive feeling of stepping outside your current circle of influence, or circle of comfort.Why?Michele explains, when one 'crab' tries something new, it may trigger a sense of insecurity within the other 'crabs', as if holding up a mirror to their lack of movement and growth.A couple of key takeaways from this talk are:Every time you step outside your comfort zone, you may feel some pull back, and that's ok!Each of your friends may serve different purpose within your life, and that's also ok!The people you surround yourself with should help raise you up, not pull you down. If they are, is it time to find a new circle of friends?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

How many 'highways' are in your brain? Evelyn explores the concept of neuroplasticity or brain plasticity through an analogy of creating new neural-highways in our brains.Neuroplasticity is 'the brain's ability to reorganise itself by forming new neural connections throughout life.' Or very simply put, 'the ability to retrain your brain.'Our brain has an incredible ability to continue to form new neural pathways and rewire itself to learn new activities, skills or languages until old age. However, like anything, the more often we train our brain, the better it becomes at picking up new skills!We challenge our listeners to commit to 1 small task every day that increases the plasticity of your brain.Try some of these:Brush your teeth with your non-dominant handLearn an instrumentLearn a new languageTake an online courseAttend an art classRead dailyDance!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Your greatest asset is actually NOT your house, it is your ability to earn an income. So, if we all protect our house with appropriate insurance, why don't we protect our income?We sat down with Melissa Goodman, financial advisor from Carnbrea and Co, to discuss the 'ins' and 'outs' of personal insurances. Don't fret! We've keep this somber topic pretty fun and entertaining.Melissa says the first thing to consider is, "How might your lifestyle be impacted if your income were to change?" Unfortunately, the overwhelming majority of Australians are underinsured.Key topics discussed include:Income protection insurance - what is it, how does it work, and how much am I covered for?What is the difference between cover inside and outside my superannuation?Life, total and permanent disability, and trauma cover - how are they different, is there a minimum cover I need?How often should I review my policies?Is it expensive?Melissa often sees clients who wait for a trigger event to set up their cover. Use this podcast as your trigger and have the important conversation early.You can reach out to Melissa via the following:Mobile: 0451 009 668Email: mgoodman@carnbrea.com.auWebsite: https://www.carnbrea.com.au/LinkedIn: https://www.linkedin.com/in/melissa-goodman-a2b0918a/Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Do you reflect on times you have felt proud of yourself? Emily shares a fantastic confidence-building task in this Chalk Talk.All you need is a 100-page book, a pen, and a quiet evening. Now, in that book, write down 100 things you are proud of. They can be as big or as small as you like!Refer back to this book every time you are hesitant to do or start something new - running 5km for the first time, speaking at an important event, going for a job interview, meeting a new client, etc.Draw on the feeling of pride from your small wins to fuel your mind! We promise this will help put you in the right frame of mind for that moment where you need a boost of courage.Why? Our brains actually change when we write down or reflect on our small wins on a regular basis. Having a sense of accomplishment, satisfaction, pride, gratitude - you name it! - all increase our motivation and sense of progress.So tell us, what are you proud of?Share your wins with us on instagram @withevelynandemilyDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Alright, here it is, Evelyn's slightly controversial opinion that school does teach you something very important, but it's not what you're expecting!We get it. The content you learn at school is not going to be implementable in everyone's day-to-day lives. However, what is, are the habits and work ethic you form.The mindset behind what you're learning (not the 'what' itself) is crucial to success.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Most of us have heard the term 'SMART' goals before. In this episode, renowned business coach, strategist and key note speaker, Michele Carson, simplifies goal setting even further. Through Michele's experience she has identified the three main components to setting achievable goals.Michele explains the importance of completing adequate research and being realistic by asking yourself, "what am I prepared to do or give up to achieve my goal?"In this episode, you will also learn:How to become comfortable with discomfort - a sign you are creating new habits and new ways of thinking.How to start with the end goal, and work backwards to break it down into measurable daily habits and incremental steps.Why your mindset and having courage is crucial to setting goals.The importance of setting both 'realistic' and 'stretch' goals.How to choose an accountability partner.Michele ends with a fantastic reminder to help stay accountable and motivated towards your goals. Every day, ask yourself, "what is the one thing I have to do today in order to move me closer to my goal?"You can learn more about Michele and her business here:Website: https://compellinginfluence.com/Email: mish@compellinginfluence.comLinkedIn: linkedin.com/in/michele-carson-a2110225Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever noticed how often people apologise for seemingly insignificant events? There is certainly a place for genuine and sincere apology. However, when you begin apologising out of reflex for things you have little control over, does this begin to do more harm than good? We are talking about things like being bumped by someone, sneezing in public, or standing in the way.Evelyn shares an example of over apologising on the netball court that sparked her thinking and the theme of this Chalk Talk.If you know a psychologist, psychotherapist, or other expert who can shed some light on this topic, we would LOVE to hear from them!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Sometimes, we need a reminder to stop, breathe, reflect. In this Chalk Talk, Evelyn shares one of her favourite quotes that we know you will LOVE from the famous Steve Jobs!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

"It's pretty hard to get to the point of financial independence if you do nothing but put your money in the bank." Paul Benson says it perfectly!Investing is a word that many understand the meaning of, but few understand the diverse options that are available. Australians seem to have an obsession with property but have you considered other investment options outside of bricks and mortar?In this episode, we are joined by Paul Benson, who dives into the three avenues of investment: property, shares, and self employment (a.k.a., the 'side hustle').Specifically, Paul talks about different ways to start a side hustle and gives some examples of traits he sees make these most successful.Paul also breaks down the different types of share investments - traditional, ETF's, managed funds - and their benefits from both a risk and diversification perspective.Finally, you can check out Paul's incredible podcast, Financial Autonomy, here:https://financialautonomy.com.au/audio-blog/Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever considered the way you perceive a situation has a direct influence on your subsequent experience? Just think, when have you said, "This is going to be a terrible day!" We do it simply out of habit sometimes. However, this mindset actually sets us up to HAVE a terrible day. It works the other way too - giving yourself a positive pep talk can actually improve your outcome.In this Chalk Talk, Emily shares her encounter with 7-year-old Felicity on a recent family holiday. Emily was blown away by her mindset at such a young age, and perhaps a little caught out by it! Felicity has a lot to teach us all about how we frame particular events in our mind and the power of positive speech.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Driving, it is something we can't avoid. You might even be driving whilst listening to this chalk talk! Do you have traffic etiquette? In this chalk talk we unpack our pet peeves when it comes to traffic! Don't forget to follow us on socialsWebsite: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Anxiety, it is a word that many of us are familiar with, but what does it mean to have anxiety? How can you help someone who is showing signs of anxiety? What measures can you put in place to minimise your exposure to anxiety? All these questions and more are unpacked in this very enlightening episode with Samantha Taylor from The Nurture Project. Whether you are impacted by anxiety personally or perhaps you know someone who is affected, this episode is eye opening and well worth a listen. To find out more about Samantha and the Nurture Project, check out https://www.thenurtureproject.com/about-us/Don't forget to follow us on socialsWebsite: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Breaking, making, starting and creating habits can be a task! Today we are joined by Glen James from My Millennial Money who has some great ideas around hacks to create new habits. Don't forget to follow us on socialsWebsite: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallac

It's no secret that we are serial networkers! It is how we both grow and develop in business. Today, we unpack the idea of what is effective networking and how can you add value to another person without directly completing a business transaction with them. Don't forget to follow us on socialsWebsite: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallac

When we asked people what they wish they were taught at school, there was an overwhelming response around the topic of finances and budgeting. Today, we are joined by Joe Virgona, Financial Planner and Director of Your Money Manager to help simplify the idea of budgeting with some key tips you can implement straight away. If you'd like to learn more about JoeWebsite: https://www.yourmoneymanager.com.au/Insta: @your.money.manager Don't forget to follow us on socialsWebsite: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba