Ladies Finance Club

Ever wondered how someone achieves success in the stock market? Today on the podcast, I'm joined by Heloise Greeff, the first Female Elite Pro and one of the most popular copied investors on eToro, the world's leading social trading platform. In this episode, she shares with us her approach to investing and the winning strategies that have made her the powerhouse investor she is today.  Heloise's journey to becoming an investment superstar begins with the pocket money budgeting her mother taught her at a young age, as well as some playful exercises in investing. Growing up playing with cars with her older brother, she found herself drawn to study engineering after school and became trained as a mechatronics engineer. This led to her obtaining both an MBA and PHD in machine learning, and has made her the data-obsessed engineer she is today! With this impressive background, Heloise spends time not only researching and publishing novel machine learning algorithms, but consulting some of the world's largest tech companies and exciting startups. So, how does all of this tie in with investing?  Heloise applies her skills in data analysis to navigate the stock market and lead her in her decision-making. The results speak for themselves, with her average return being almost 30%. For context, the S&P 500 clocks in at around 10% on average, making Heloise's success more than a little impressive!  Heloise talks about the concerns she faced around her future pension, which led her to take her first steps into the world of investing. While she's now at the top of her game, it wasn't immediately smooth sailing, and she talks about the regrets she has on certain decisions she made in the early days. This serves as a reminder to those of us starting out that it's a learning curve for everyone, and mistakes are bound to happen.  We discuss the six pillar strategy Heloise has adopted, with an emphasis on the three main ones she calls ‘the basics'. While she focuses strongly on risk management, Heloise also believes in making investment choices based on what makes you ‘uniquely you'. In what areas are your strengths? What gets you excited? Finding out where your passions lie is one secret to developing a strong portfolio.  When it comes to successful investing, there's no magic wand. Heloise emphasises the value of patience and discipline, and shares her tips on how to get started on what can be an exciting, long term journey in the stock market.  So, grab your notepad and pen and get ready to take your investment game up a notch with Heloise's incredible words of wisdom!   This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   LINKS: The Psychology of Money by Morgan Housel: https://www.amazon.com.au/Psychology-Money-Morgan-Housel/dp/0857197681    CONNECT WITH HELOISE: Website: http://greeffinvest.com/  Instragram: https://www.instagram.com/greeffinvest/  eToro: https://www.etoro.com/people/rubymza  CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Today we have the pleasure of chatting with Marina, a pioneering feminist who challenged societal norms by investing whilst running a business. She embarked on this journey at a time when it was uncommon for women to do so and in this episode, we hear all about Marina's investing history, tips and experiences that have shaped her journey towards financial freedom. Marina's financial story begins with her decision to study dentistry after school, a field that appealed to her as a challenge given it was largely male-dominated at the time. At a time when many women were encouraged to stay home and have babies, she had rather different goals for her life. Marina talks about her longtime desire to become self-employed and the master of her own destiny, leading her to eventually start her own business and take the leap into investing.  Though she admits she didn't know a lot about making investments at the time, Marina talks about the inherent self-confidence and determination she possessed from an early age. We hear about how this drove her to make her first property purchase in her twenties, and the challenges she faced entering the share market in a time before the internet or online brokers.  Calling herself a conservative investor, Marina warns us not to become tied up in fear and greed, two things that we know drive the markets. Instead, she encourages us to start simple, build slowly and be in it for the long game. While investing in the share market can feel daunting for those starting out, Marina reminds us that with today's platforms, it's possible to start out with small amounts and is certainly never too late to begin.  Marina's journey is a great reminder that investing isn't merely about accumulating wealth; it's about taking control of your life and future. She talks about the comfort and financial freedom she's gained, and how her financial independence has afforded her the life she truly desires.  So tune in for some amazing insights on how to level up your knowledge on investing, take charge of your finances and begin to create the life of your dreams!    This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   LINKS: Australian Investors Association CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

On today's episode, I am joined by Dr. Grace Sha, a compelling speaker, author, and the innovative founder of the Mental Wealth Institute. Grace is a high achiever and successful dentist but years ago found herself burning out. Questions of what she was doing and where she was going overwhelmed her and a rocky relationship added to the struggle. She refused to let these challenges define her and began a journey of self-discovery.  When Grace reached the other side of burnout, she decided to use her experience to help others suffering like she had and wrote the book "Mental Wealth, How to Journey From Burnout to Abundance."  In this book, she details her experiences and offers practical advice on identifying burnout and achieving work-life balance. In this conversation, we discuss some of Grace's experiences working with patients with mental health challenges, volunteering in mental institutes, and being in a psych ward. She notes the value of conversations with psychologists and psychiatrists in understanding the reasons behind her actions and the impact they have on her life. We also talk about Grace's journey investing in property. The value of investing this way was instilled in her as a child and she started as soon as she could. Now she's not only a property investor but a property developer. Not wanting other women to be scared of entering the property market, she shares the top lessons she has learned to help you stay confident and informed.  Grace also shares how her perspective on wealth has changed over the years. While many people associate wealth solely with money, Grace highlights that true abundance involves being free to choose the life you live. She stresses that financial freedom is a good first step to living comfortably and fulfilling one's basic needs. This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH Grace Sha Website: https://www.thementalwealthinstitute.com/ LinkedIn: https://au.linkedin.com/in/drgracesha CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

In today's Financial Snack episode, Josh dives deep into the major trends dominating 2023.The first is AI which has been dominating discussions across the world. While the AI trend isn't brand new—it's been on the radar since around 2016—it's only now that it's growing out of its infancy, presenting a tempting proposition for investors.  We also discuss the continued significance of clean energy, with more and more governments pledging to achieve zero emissions, as well as the intriguing shifts in economic landscapes such as inflation and interest rates. For anyone keen on understanding the trajectory of investments this year, this is a must-listen. This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/  See omnystudio.com/listener for privacy information.

In today's episode, I'm joined by the powerhouse that is Tina Tower. She's a business coach & strategist with a whole heap of experience building her empire and inspiring others to do the same. She's won awards like Telstra National Young Business Woman of the Year Award and Australian Business Champion for her work.  We start off by talking about her first business, which she started at only 20 years old, a tutoring centre and educational toy store. Her drive and business savvy allowed her to expand the business to 35 centres with 120 staff! Eventually, she sold the company to focus on her newly discovered passion - helping other women build and scale their businesses.  Tina talks about her experience visiting a financial planner for the first time last year. Something she had believed was only for the super-rich but now regrets not doing much sooner. Her financial planner taught Tina about financial products and avenues for investment that she had no idea existed!  Tina also shares how she came to understand the value of investing, especially for women. Investing is an avenue to build your financial stability - something critical to feeling free and empowered in uncertain times.  I know you'll absolutely love this episode, so sit back and enjoy!    This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH TINA TOWER Website: https://www.tinatower.com/about   CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/  See omnystudio.com/listener for privacy information.

Investing is a key step for many people's financial wellbeing, and more and more Australians take it up each year. If you've ever wondered what everyone else is choosing to invest in, this episode has got the goods!    Drawing on a survey of 10,000 retail investors conducted by eToro, Josh Gilbert joins me for another snack size episode today to explore the various assets that women are investing in and how they approach the world of finance. Josh sheds light on popular sectors and assets, as well as the growing importance of Environmental, Social, and Governance (ESG) considerations in investment decisions.   Whether you find safety in numbers, or want to buck the trends, I know you'll get a lot out of this episode's bite-sized goodness!    This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/ See omnystudio.com/listener for privacy information.

In today's episode of the Ladies Finance Club, we welcome the incredible Laetitia Andre, CEO of Essential Shift Consulting. Laetitia Andre hails from the south of France and had a successful career in strategy consulting before experiencing burnout. Following a pivotal moment, she moved to Australia with her husband, where she discovered a new way of living and working.  Later she created her own business, Essential Shift Consulting, dedicated to helping high-achieving entrepreneurs achieve their goals and avoid burnout.  In this episode, Laetitia shares how she encourages female entrepreneurs to make space to listen to their inner voice, allowing them to connect with their intuition. By tuning in, they can make decisions that feel right, leading to a more fulfilling and sustainable business journey. During our conversation, we also talk about money blocks, her personal relationship with money, and the success stories of her clients. Laetitia share's a lot of wisdom shared in this episode that I know you're going to love. Enjoy!    CONNECT WITH LAETITIA  Website:    https://www.essentialshift.co/' Her Book: www.lightitbook.com  CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/ See omnystudio.com/listener for privacy information.

Welcome to today's snackable finance episode! One of the most common questions we get from women learning about ETFs is: How do we choose the right ones? Josh from eToro joins us to give a quick rundown on the best way to decide which exchange traded funds are right for you.  Josh explains that not all ETFs are the same, and in terms of buying in Australia, international companies may be included in the options. He also explains how understanding what sectors, countries or themes you want to invest in is the best place to start.  There are thousands of ETFs out there, so how do we narrow down our choices? Josh advises us to pay attention to the size of the fund, who is running it and what stocks it owns. This will give you an understanding of their performance, as well as the fees involved.  In order to avoid over-exposure to certain stocks, Josh talks about looking at the specific weighting within each ETF and how this will help ensure your portfolio is diversified. He gives us tips on using tools such as an ETF screener, which will help you search for specific criteria such as type of industry, company and fees.  So, tune in to this bite-sized conversation for some amazing tips on getting started on your ETF journey!   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/  See omnystudio.com/listener for privacy information.

Today I'm joined by powerhouse entrepreneur Ruby Lee, who transitioned from working as a corporate accountant to building a successful multi-seven figure coaching business. With a background in finance and a passion for helping others, Ruby has built a global community of coaches and entrepreneurs, teaching them how to build and scale successful businesses with ease and flow.  Ruby's journey from leaving the corporate world to turn her side-hustle into a million dollar business all started with a creative itch. We hear about her desire to feel more fulfilled in her work, and how she overcame her initial self-doubt to pursue her entrepreneurial dreams. She speaks about navigating motherhood while in the midst of growing her business, and the unconventional route she and her husband took to ensure she had every chance of reaching success.  While she was trained as an accountant, Ruby admits that her relationship with money had not always been healthy. She speaks about the internal trauma around money in her family and how this affected her ability to control her own finances. It was only once she began her spiritual quest to seek growth and healing did she unlock the mindset that transformed her completely.  We hear about Ruby's coaching philosophy, being the concept of operating in flow state. She describes it as energetics mastery and understanding how your body wants to work in order to be in flow. Ruby believes that once you become unapologetic about the energetics of your own body, the ability to create boundaries and know when to say yes or no will come naturally.  Ruby takes us through the issue of money blocks, an obstacle she sees her clients often struggle with. She talks about her own history with avoiding her own numbers in the past, and how crucial it is that entrepreneurs develop a deep understanding of their finances. Not only does it provide the clarity needed to grow, but empowers us to take control and know our own worth.  Looking ahead, Ruby sees a future where more business owners embrace the power of flow state and prioritise their well-being. She believes that by aligning their work with their natural rhythms and focusing on self-care, entrepreneurs can build sustainable and fulfilling businesses. Ruby's story is an incredible example of how embracing mindset shifts and developing a healthy relationship with money can unlock entrepreneurs' full potential and create the business and life of their dreams.  I know this conversation will encourage you to find freedom from your own limiting beliefs around money, and I encourage you to tune in and get inspired by Ruby's wisdom on and passion for financial health and expansion.   This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH RUBY LEE Podcast: Flow State Business Instagram: @_rubylee_   CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to another bite-sized finance episode! Today, Josh Gilbert from eToro gives us the rundown on what the S&P is - and no, it doesn't have anything to do with condiments! We look at exactly what the S&P, or Standard & Poor's, is and how it offers a snapshot of the US equity market. We learn about what it takes for a company to make it onto the S&P index, and Josh gives us an example of a prominent company that was only included in recent years. You'll be surprised!   We then talk about whether companies can list their shares on more than one exchange, and what that means for people wanting to buy stocks in Australia and in the US as well.    So, tune in for a short and sweet explanation of the S&P, how it gauges large-cap US stocks and its ability to provide a clearer picture of the marketplace.    Enjoy!   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

With me on the podcast today is Caitlin Doble to share the inspiring story of how she became successful in property. She found herself in a considerable amount of debt after her ice cream store went under, but was determined to pay off her debt and secure her financial future. She turned to property as a means of generating income.  Their journey began when she and her partner stumbled upon a new development in their area. Recognizing the potential for profit, they decided to purchase a block of land.This initial purchase allowed them to clear their debt and sparked their interest in property flipping.Since that first successful flip, Caitlin and her partner have continued to build their property portfolio. They have developed a streamlined system for each project, ensuring profitability and minimizing risk. Caitlin acknowledges that property flipping comes with its fair share of challenges and risks. However, she believes that without risk, there is no reward. She advises women interested in property flipping to have confidence in their abilities and to surround themselves with the right people. Through careful research, strong relationships, and a willingness to take risks, Caitlin has been able to turn her financial situation around and secure her future. Her story serves as an inspiration to women who may feel intimidated by the world of property investing. With the right mindset and support, anyone can achieve financial success in the property market. Buckle in and enjoy this conversation as we delve into Caitlin's journey, her strategies for success, and the lessons she has learned along the way. This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more. CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We're back with another jam-packed financial snacks episode! Today we're tackling how to know what to invest your money in.  We talk about the option to invest in individual stocks versus ETFs, and we explore how our experience as consumers can lead us as investors. Josh also shares his tips for finding an investment that matches your goals and your level of risk-tolerance.  If you've been convinced of the role investing can play in your financial freedom but are still a bit unsure how to find investments that are right for you - this episode has what you need to know! Enjoy!   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/ See omnystudio.com/listener for privacy information.

I have the pleasure of speaking with Amanda McEwen today, who, out of a desire to spend more time with her three children, transitioned out of her corporate job to become a small scale property developer. In less than 8 years, she has created over $33 million dollars worth of property, built over 66 homes and generated a six figure profit each year. Now she teaches other Aussies the art of small scale property development.   Amanda's story serves as an incredible inspiration for anyone seeking to take control of their financial future and create a life of freedom and abundance through property development. In this episode, Amanda shares her journey into property development, realising that the traditional property investment strategy wasn't actually enabling more freedom, but rather creating more debt and tying her to her job. This realisation is what prompted her to seek alternative solutions and explore the world of property development.   We talk about Amanda's first small scale development project and how this experience taught her the importance of keeping an open mind and having multiple exit strategies for each project.   As a female property developer, Amanda acknowledges that the industry can sometimes be perceived as a boys' club. But, she doesn't let that slow her down. We talk about the importance of building a strong network and how she has surrounded herself with a team of knowledgeable professionals, including a finance broker to secure funding and real estate agent to understand market demands and facilitate sales.    With property development having such a profound impact on her life, Amanda also mentors others to help them achieve financial freedom through property development. She shares an inspiring story of one of her students who had no prior experience in the industry and paid off her mortgage with Amanda's guidance. This is just one of many examples of people paving their own way into financial freedom.   I love Amanda's passion for empowering other women and men to pursue their dreams of property development. Make sure you check out the amazing resources on her website!    This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more.   CONNECT WITH AMANDA MCEWIN Website: https://www.risingstardeveloper.com.au/ Facebook Group: The Property Developer Tribe CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Today we have another short and snackable episode for you. I'm joined by Josh Gilbert from eTora and we explore the question of “Does investing actually make you wealthy?”  We dive into the basics of how investing works and Josh explains that the key to growing your wealth through investing lies in the concept of compounding. The longer your money is invested in financial markets, the more powerful it becomes.  Tune in to this short but jam-packed episode to learn more about how investing puts your money to work for you. Enjoy! CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/  See omnystudio.com/listener for privacy information.

Are you ready to unlock the secrets of property investment and learn what it takes to succeed? Then you won't want to miss my riveting conversation with Jo Vadillo, a self-made powerhouse woman in the property investment world, who's leveraging her unique upbringing to empower women to thrive in the property market.  Jo grew up with a single mother who instilled in her the value of money, education, and investment. From absorbing every tidbit of property investment knowledge she could find, to taking the leap from her corporate job to become a professional buyer's agent, Jo's journey is nothing short of inspiring. And now, she's using her experiences to run her own property education platform aimed at supporting women in the property market. But that's not all! In this episode, we also delve into the nitty-gritty of buying an investment property. Jo shares her invaluable insights, discussing everything from financial considerations and growth potential to value-adding strategies. She also introduces the services she offers to assist budding property investors, emphasising the importance of financial advice in this venture.  So, whether you're a seasoned investor or a novice looking to dip your toes into the property market, you'll want to tune in for Jo's tips and tricks to successfully navigate this often complex landscape. Plus, we'll explore how her website can serve as a valuable resource to find additional information for potential buyers. So buckle up and get ready for an enlightening exploration of the property market with Jo Vadillo. This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more. CONNECT WITH JO VADILLO   www.advocateservices.com.au www.propertywomen.com.au CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We have another insightful financial snack for you today with Josh Gilbert from eToro. Josh is going to dive in and take us through exactly what a dividend is. It's easy to get confused by all of the jargon in the financial industry but never fear - Josh is here!  We look at exactly what a dividend is, examine a very clear example so you can visualise it, explore how not every company offers dividends and why not, and the benefits of both cashing out each dividend or reinvesting.  We then talk about how often companies in Australia pay out their dividends and explore the dividend difference between more established companies and those searching for growth opportunities.  Tune in to find out more!  CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

My guest today is Julie Crocket, CEO of Australian Property Investment Solutions. But she didn't start out there and I know her story is going to be such an inspiration. In this episode, Julie shares her journey from raising two kids on her own on a teaching wage to becoming a thriving property investor.    Julie's journey into property investment began when she received a superannuation statement that revealed she had less than $30,000 in her account. As a single mum, she knew she needed to take action to secure her financial future and provide for her two daughters. Driven by her determination not to end up in poverty, Julie sought the help of an accountant and her gal pal to explore property investment as a way to build wealth.   Since then, Julie has built an impressive investment portfolio and, inspired by her passion for empowering others, launched Australian Property Investment Solutions. Through her business, she helps even more people secure financial strength and independence through property investment. In this episode, Julie shares her story and offers valuable insights for anyone looking to build wealth through property.   One common mistake Julie sees among investors is stopping at one property. She emphasises the importance of having a strategy and a long-term plan, sharing her own experience of buying multiple properties over the years and how each acquisition contributed to her overall wealth.   Affordability challenges are real, especially in desirable locations like Bondi. Julie introduces the concept of ‘rent vesting', which involves buying an investment property in a more affordable area while renting in the desired location.   We also talk about the importance of challenging our limiting beliefs when it comes to money and taking control of our financial future, not just for ourselves but for generations to come.    Julie's story is such an inspiration and if you're thinking about property investment as a way to build wealth, you don't want to miss this episode. As more women embrace property investment, the future holds the promise of greater financial security and prosperity for all.   This episode is brought to you by eToro, Australia's leading social investing platform with over 30M users worldwide allowing you to explore local & global markets, diversify your investments and copy popular investors strategies! Click here to find out more. CONNECT WITH JULIE CROCKET   Website: https://apisolutions.com.au/ CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We're back for another snack size episode with Josh Gilbert from eToro. Today we're diving into questions surrounding the Australian Securities Exchange (ASX) which is the main stock exchange in Australia. Josh explains what the ASX is, and the different names for it that you might have heard get thrown around. In simple terms, the ASX is like a marketplace where you can buy and sell shares of publicly traded companies. It's important to note that while the ASX lists some of the biggest and most successful companies we know in Australia, not all are Australian.  We talk about the different ways we can invest in the ASX and why we need to go through a broker to facilitate buying and selling shares. Enjoy!   CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Fiona Morris is my inspirational guest today and we're talking about how she turned her life around, going from bankrupt at 40 to running a 7-Figure business at 41. Fiona is the founder of Start My Cleaning Biz, Australia's leading online learning platform for cleaning businesses, teaching aspiring business owners to start and build their own successful cleaning businesses.  In this episode, Fiona shares her origin story, growing up in housing commission with a mother working the night shift to make ends meet. She talks about the messages she was taught about money as a child and the scarcity mindset she brought into her own life. Fiona shares how money is the manifestation of your mental health and what you believe about your capabilities and limitations.  Fiona's first cleaning business seemed to be thriving, however, due to overspending and poor business practices, that business went into bankruptcy. We talk about the lessons Fiona learned from this experience and her redemption story starting another business that has not only created wealth for her but equipped so many other women to become financially stable. We talk about the ripple effect that happens when we empower women to become financially independent and how Fiona's relationship with money has completely turned around.  There is so much wisdom to glean from in this episode and I know you're going to find Fiona's story such an inspiration.    CONNECT WITH FIONA MORRIS   Websites: https://www.startmycleaningbiz.com.au/ https://www.growmycleaningbiz.com.au/ TikTok: https://www.tiktok.com/@queenoftheclean?lang=en Instagram: https://www.instagram.com/startmycleaningbiz/ CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to another short and snackable finance episode! Today I am joined by Josh Gilbert from eToro and we're going to dive into whether women should be investing or saving.Josh takes us through the importance of having enough capital on hand to deal with the unknown in the future, the yield that in Australian savings accounts, the difference between investing and saving, the effect of compounding, having a long-term mindset and the risks involved.I'll take you through our three rules to follow BEFORE you start investing to make sure you're moving forward with your finances.So, join us for this short and sweet but jam-packed episode to learn how you can start implementing Josh's advice today to build your wealth. CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedInCONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money ChatWebsite: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We are so lucky to be bringing you Allegra Spender, the independent MP from Wentworth, NSW. Allegra previously worked as a managing director both in business and in not-for-profit organisations. She was fed up with the lack of action on climate change, missing integrity in politics, and the lack of women so she decided to run as an independent MP and start driving real change.    Allegra describes her role as an MP as two jobs: the one that's in Canberra, reviewing and developing policy and legislation, and the one that is in the community. Her constituents come and see her about a whole range of issues, including the NDIS, visa issues and accessing home care for their parents. She focuses her attention on the important issues faced by her community and works incredibly hard to help them navigate the federal government.    Feeling confused about the Federal Budget?   The Federal Budget is effectively how the government spends its money. The Treasurer of the day (currently Jim Chalmers) details what they plan to spend the nation's money on, how much they estimate will be spent in the following three years and the budget's priorities. Broadly, Allegra believes the current federal budget is quite sensible but could have been more ambitious.    Listen in as Allegra takes us through the current budget and how it benefits women in our community through increased childcare funding, supporting single-parent families with increased payments and age limits, increasing parental leave pay, and increasing support for those fleeing domestic violence.   Allegra shares her mother's advice encouraging her to always be financially independent as a woman because it grants freedom. The future of politics looks brighter with women like Allegra Spender representing our communities and working on the biggest issues facing our country with respect and collaboration - and less ego!  CONNECT WITH ALLEGRA SPENDER Website:  https://www.allegraspender.com.au/  CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We've got a short and snackable finance episode today! I am joined by Josh Gilbert from eToro and we're talking about a word we hear a lot in the media these days… inflation. Josh breaks things down into simple terms to help us understand exactly what inflation is and the role that the Reserve Bank of Australia (RBA) plays in managing inflation in Australia. He explains what causes inflation in the first place and how the flow on effect leads to the rise of interest rates we're seeing today.  Right now, inflation is a lot higher than where we want it to be. Josh explains how it's a delicate balance between lifting interest rates to stop people from spending so much money (and therefore reducing interest rates) and not tipping the country into recession.  So, tune in to this short but jam packed episode to learn more about inflation and why it's such a buzzword right now.    CONNECT WITH JOSH GILBERT LinkedIn: Josh Gilbert | LinkedIn   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

At 43, Sharon was broke and knew nothing about investing. She was divorced, broke and building a business in Singapore when she started dabbling in investing with a $25 voucher for eToro. She is now qualified and full of investing wisdom, appearing on many panels and podcasts, reminding us it's never too late to start investing. You can start with a small amount of money.    Sharon begins her story with very important advice - don't give everything up when you're in a relationship and make sure you take care of yourself. The time women spend raising children is actually a fairly small part of their financial life. When the kids are grown up, you've still got many many years where you need to be able to look after yourself financially - A man is not a financial plan.    When you start investing, start small. It's a myth that you need to start with thousands of dollars. Sharon started with just $25 and would invest small amounts in the companies where she enjoyed spending her money and doing it this way really sparked her interest so she was keen to open the newspaper and dive into the stock news.    Through investing, creating new financial behaviours and side hustling, Sharon now owns her home and has a very comfortable retirement fund. This is incredible when she had to start completely from scratch after her divorce. She never thought that it was going to be possible and through hard work, she has built security and confidence in her financial future.    Sharon also shares her insights into superannuation, shifting your financial mindset, ESG investing and finding ways to make money on the side. You can even start copying Sharon's financial moves as she's an eToro popular investor! Jump over to her eToro page here and check it out.      CONNECT WITH SHARON CONNOLLY Website:  https://www.etoro.com/people/sharonconnolly  CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome back, ladies! I'm so excited for our new season. We're going to be diving into truly inspiring stories of how real women built real wealth from scratch. Here at Ladies Finance Club, our mission is simple - to help make women rich. We believe if you have control over your money, then you have control over your life.  Taking charge of your finance doesn't have to be complicated or boring. We know you can do this, but perhaps you just need a little guidance to get you started or to learn from experts to grow your wealth and that's where we come in.  Join in and become part of our thriving LFC community where women are celebrating their money wins every single day from paying off debt to buying investment properties. CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Are you ready to budget like a boss? In this episode, we sit down with money coach Lexi Smith to chat about the B-word budgeting, breaking it all down so you can get control over your finances!   Lexi takes it back to basics for us. Budgeting is working out where we stand and what we want to achieve and coming up with a plan to get there. She explains that budgeting does not have to be hard - the hardest part is often starting.   First of all, work out the categories for your budget.  Lexi gives us the most common categories, so grab a pen and note them down!  She also helps us work out what to do about those often-forgotten categories like Christmas and holiday spending. Lexi also has a really nifty trick which will help you save time and make sure your budget is accurate - bank statements (and how to download them!).   Most importantly, there is no one size fits all budget - it's about working through the different methods of budgeting so that you can find the one that works for you. One method that might work for you (and used by Lexi's clients!) is the Traffic Light Activity. This helps you work out your needs and wants and put a stop to unwanted spending habits! Lexi also breaks down the 50-30-20 and zero-based budgeting methods, as well as how mindful and intentional spending can help you move closer to your goals!   Finally, Lexi takes us through the mistakes she sees people making with both their budgeting (and spending!) and the differences between a money coach and a financial planner.   Get your pen and paper ready ladies because this one's a goodie!   Resources mentioned:   The Bucket Method by Barefoot Investor by Scott Pape   90 days - Rachel Cruze   Apps: WeMoney / Frollo    Clutterbug   CONNECT WITH LEXI SMITH   Website:  https://moneyvine.com.au/ Instagram: @moneyvine.au Facebook group: https://www.facebook.com/groups/savvysisterssociety CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/  See omnystudio.com/listener for privacy information.

Today I have Tessa Kelman on the show to discuss everything you should know and talk about before you tie or untie the knot. Tessa is a family lawyer based in Sydney for Lander and Rogers law firm and is an absolute wealth of knowledge on marriage, defacto and separation law.  Tessa is here to share with us some of the common mistakes she sees women making when preparing for a marriage, defacto relationship, divorce or separation and fill us in on everything we should be doing instead to protect our financials, property, children, and approach big decisions with preparation and confidence.  The biggest mistake Tessa sees every day is couples not having a discussion before getting married or committing to someone on a defacto basis about what your goals are for the future, any assets coming into the relationship, plans for the assets in the future, whether you're aligned in terms of how you want to spend or save money, and what would happen if you decide to have children (in terms of who would stay at home/daycare), and, if you ever decide to separate.  We all come from different financial backgrounds and I know these conversations can be very awkward and clunky to bring up but they are so important to set yourself up with financial confidence and know that if anything goes wrong, you're always covered.  Tessa explores how the family court works, contracts including parenting arrangements and binding financial agreements, keeping on top of all of your documentation, record keeping, and reminds us that, in Australia, a separation settlement is definitely not always 50/50.  Tune in and write down all of Tessa's advice and wisdom to keep yourself protected before getting married/defacto or separated/divorced and breathe a big sigh of relief knowing your future is covered.    CONNECT WITH TESSA KELMAN Website:  https://landers.com.au/ LinkedIn:  https://www.linkedin.com/company/lander-&-rogers/ CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Riddle me this - what is the one thing you want to buy, but never use? INSURANCE! Today we're talking about how to keep you and your loved ones protected.   We've got Marnie Maloney, one of our LFC Ambassadors and a brilliant insurance broker to help break it down for us. She helps us understand which insurances we actually need, which are the most important and which ones can we get in our super.   This is an important one so listen up!   First up - why do we need insurance? Marnie explains all the reasons it's essential and steps us through the different kinds of insurance we're discussing today - life insurance, income protection, total permanent disability (TPD) insurance and trauma insurance.   Basically, insurance gives us options. But what if you not earning that much - is it even worth it? Marnie explains how the ability to earn an income is your most important asset and why it's important to protect it.   Marnie shares some of the stories that have really stood out for her, and how having insurance has really saved those people's bacon.   She answers all our burning questions - if you feel like you can only afford one insurance, which one should you get and does being on a Mental Health Care Plan affect getting insurance?   But the big question is - how expensive is income protection? Marnie reveals how age, waiting periods and benefit periods affect the cost.   Is this the wake-up call you needed? Dive in to get the low down on the why and how of insurance! Resources mentioned:   Spriggy account   Books: Where the Crawdads Sing / Change Your Thinking by Sarah Edelman   Travel money cards   ING cards   CONNECT WITH MARNIE MALONEY   Website:  https://www.protectedlife.com.au/index.php/who-we-are   LinkedIn:  https://au.linkedin.com/in/marnie-maloney-9ab911aa CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

We've all felt how awkward it can be to talk about money in relationships but it's such an important conversation to have early and often in order to avoid any issues or misunderstandings down the line. In today's conversation, I'm chatting with Betsy Westcock, a superb financial wellness coach in Sydney, who explains why it's never too early to have that uncomfortable conversation. We need to discuss everything from how to pay for a date night or a weekend escape to all of our dreams, big money goals and spending priorities. Now I know how people tend to avoid talking about those dreaded numbers, in fact, the Ladies Finance Club conducted a poll that showed one in five people didn't even know how much their partners earned so Betsy's advice can not come any sooner!  Betsy covers the importance of discussing how money will be managed on a day-to-day basis, what each partner brings to the relationship, what goals the couple has and what would happen if one of you loses your job, stays home with children, or gets sick. We all have different financial backgrounds and mindsets so by chatting about how bills will be split, how to manage unexpected costs, and how to put money towards long-term and short-term goals, you'll always stay on the same page and not start to resent your partner.  Life can be so unpredictable so we have to prepare for any unforeseen circumstances by maintaining our financial autonomy, even when we're in a relationship. Betsy is here to help you out with many useful apps and strategies to establish your financial independence and help manage any shared expenses. Listen in for all of Betsy's tips to structure your regular money conversations as a couple to stay on track, grow together and achieve your financial goals with joy!   Resources mentioned: App: Beem It App: Splitwise   CONNECT WITH BETSY WESTCOTT Website: https://www.betsywestcott.com/ Instagram: @betsywestcott  LinkedIn: https://www.linkedin.com/in/betsywestcott/    CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

In today's episode, I'm interviewing the incredible Meggie Palmer. Meggie is the founder of PepTalkHer, has created a free App that is all about helping women negotiate their salaries, has worked with fortune 500 companies and used to be a foreign correspondent for the BBC. She's passionate about helping women to get paid what they're worth and is on a mission to see 50/50 women in leadership roles.  If even thinking about talking to your boss about a pay raise fills you with dread, you're not alone. The first time I wanted to negotiate my salary I felt sick to my stomach, started shaking and was full to the brim with nerves. Meggie is here to help us all tackle this difficult next step on our financial growth journey and provide proven strategies to get rid of our fears, reframe our mindset and walk into that terrifying conversation with confidence.  We'll begin with the common mistakes women are making with their salaries. Firstly - You deserve a pay rise! Even if you're happy with what you're earning right now. Remember, you can negotiate for what you're truly worth, every single year and not just once! Even if the idea of that makes you feel sick like I did.  Meggie tells us if you want to feel valued and recognised in your workplace - negotiate your salary. Some employers even look for staff that actively negotiate for themselves because they know they will have the skills to advocate for the business too. We explore how to frame the conversation by identifying the value you will bring to the company or are already contributing.  Meggie is excited to help women change their financial futures. One of her clients obtained a 14% pay rise when everyone else in her team got a 5%. She has even had three women in her program negotiate their way to six figure pay increases! Wow! So where do you start?  Timing is everything and preparation is key. There is a window for every company and Maggie will run us through how to determine when to bring it up and what documents and information to bring into the room.  But what happens if they say “no”? It's not the end of the world and it doesn't mean you shouldn't ask and ask regularly. Negotiating is a muscle and you need to practice it often to master the skill.  Meggie runs us through her app PepTalkHer and how it was started with the mission to close the gender pay gap and help women get paid what they're worth. It will get you career fit and allow you to record all of your wins and the amazing things you've done for the business so you can bring a brag book into your salary negotiation and grab that pay raise.  Meggie shares practical strategies to start using like the FYI email to give you a point of connection with your boss and highlight what you've achieved that week and what you're focusing on in the next week.  We then discuss the top questions sent in from listeners and Meggie shares all of her expertise on how to handle each situation to achieve the best outcome.  Every single woman needs to listen to this episode and take onboard Meggie's wisdom and advice. Start off 2023 by becoming a champion for yourself and remind your boss of the amazing value you bring every day. Your future self will definitely thank you for it!    RESOURCES MENTIONED: Podcast: Chill & Prosper with Denise Duffield-Thomas Author: Minda Harts  Book: How to Build a Goddamn Empire by Ali Kriegsman   CONNECT WITH MEGGIE PALMER: Website: https://www.peptalkher.com/ Instagram: @peptalkher LinkedIn: https://www.linkedin.com/company/peptalkher/ Check out PepTalkHer's free resources here!    CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

On today's episode we have the wonderful Grace Bowe joining us. Grace is a mortgage broker and she takes us through what you need to do to get onto that property ladder! Grace is passionate about educating and empowering Australians to improve their financial literacy and their financial well-being. We have that in common! So many women ask me if it's even possible to get on the property ladder?! Grace is here to step us through why it is NOT impossible! One of the reasons that buying a house can feel so out of reach is that 20% deposit! Grace steps us through some different ways around the 20% deposit burdle and what exactly Lenders Mortgage Insurance (LMI) is. Grace steps us through some of the common mistakes that people make buying property, including not using a mortgage broker, credit limits and the loyalty tax. And no, that first tip is not a shameless plug. Mortgage brokers can make the stress and overwhelm of home loans so much more simple. They're essentially like a personal shopper for your home loan! We also bust some myths around mortgage brokers and how they are paid! So next. how do we work out the price limit for  our new home? Grace explains that knowing what your borrowing capacity is is the most important first step! She also steps us through about what makes a good home loan application and what banks look for when they're considering lending to you. Then, how do you actually go about buying a house?! Grace explains what a pre-approval and why it makes such a big difference when you're putting an offer in. Grace also takes us what to do if we're struggling with a deposit. She talks us through the government scheme called First Home Guarantee Scheme, how some professions have the LMI waived and what the guarantor scheme is. What about your credit score? We bust myths around why you don't need a credit card and how to make sure yours is up to scratch. Grace also steps us through some topics you may of heard of but are not quite sure why they actually are! The different interest rates, offset accounts, building and pest checks, why you need a solicitor / conveyancer and what we should look for in a home. Finally, Grace gives us some hot tips on how we can pay our home off quicker. These are so easy and make a big difference! Ladies, if you've been thinking about property but have zero idea where to begin, this episode will be a game changer for you! Resources mentioned: First Home Guarantee CONNECT WITH GRACE BOWE: Website: https://www.coasthomeloans.com.au/about-us Instagram: @coasthomeloans Facebook: https://www.facebook.com/CoastHomeLoans/   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to Investing Part 2 with Emma Kirk. If you didn't get to listen to Part 1 yet, go check it out now to get the low down on the basics of investing. In this episode, we run through the steps to placing your first trade and how you can match your values with your investing. Woohoo! First up, we discuss the different share trading platforms and how they work. Emma explains what to look out for when you're choosing your platform, including brokerage fees. We also touch on micro-investing and the benefits of these platforms if you're just starting out. Don't underestimate the power of investing small amounts regularly! Next, you need to do your research as to what you want to invest in. Emma explains the options that are available including individual Australian shares, international shares and prepackaged options like Exchange Traded Funds (ETFs)  There are a range of options, it's just about finding out what's right for you. Emma breaks down the actual steps you go through when buying a share. From choosing the share, what buying at limit or market means (and why it's different for ETFs) to why the settlement has a funny reference next to it. Plus, why it's super helpful for tax time to make sure you make a note somewhere of your original purchase price! Finally, we discuss a topic I'm very passionate about which women are absolutely leading the charge on - ethical investing. Essentially this is investing to match your values. Emma explains the broader term behind this - ESG (environmental, social and governance). You can do your own research and choose companies based on what they stand for, or there are some really great pre-packaged ethical options with ETFs. By owning shares in companies that are doing the right thing, you can force change, which is so powerful. Ladies, investing is not complicated. You're going to feel so empowered and absolutely ready to buy your first shares after listening to this episode! Resources mentioned: Online brokers mentioned: Commsec / nabtrade / Self Wealth / Pearler / CMC Markets  /  Bell Direct  /  eToro  /  IG  /  Superhero  /  Stake  /  Open Markets  /  CommSec Pocket Ladies Finance Club Investing Course Market Index   Previous episode mentionedInvesting Part 1: Girls just wanna have funds with Emma Kirk   CONNECT WITH EMMA KIRK: LinkedIn:    https://au.linkedin.com/in/emma-kirk-14810727 Twitter:        https://twitter.com/emmakirk_au?lang=en Website:    https://www.magellangroup.com.au/     CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Girls just wanna have funds, but when it comes to investing where do you even start?   I know the first time I went to start investing it felt like the one and only time I went to the free-weights section of the gym. It was very male, there wasn't a lot of signage, I didn't know if I was doing it right and the whole time I was thinking “where are all the women?”.   Don't worry, investing no longer has to be like free weights. For this episode, I sit down with the divine Emma Kirk from Magellan Group. Emma's superpower is breaking down the world of investing. Over the next two episodes, we run through the basics (Part 1) and the doing (Part 2).   Emma shares the key reason we should consider investing: it gives us control over our financial future and choice. Whatever our goals are, investing helps us get there a lot faster than savings alone.   Investing is being the owner of an asset. Emma explains the five asset classes and how these work as investments to provide income and capital gain. Considering the attributes of assets is also really important and Emma is onto it! She explains what attributes we should look for to make sure they are high-quality investments.   We also chat all things stock market! Emma explains the stock market in a way that will have ALL the lightbulbs in your head going off. If you've had trouble understanding the stock market before, you're going to love how she explains it!   Emma also takes us what exchange-traded funds (ETFs) are and the two kinds - passive and active.   As Emma shares, investing is not complicated! She runs through the basic concepts of investing and the considerations you need to think about to make sure you're kicking those financial goals.   We also run through compounding and dollar cost averaging, and how this is an absolutely incredible approach for long-term gains.   Now, there are lots of different pathways to invest, but you do need to consider the fees on each of them. Fees come in all different shapes and sizes and Emma explains the ins and outs.   Finally, Emma takes us through diversification. A robust portfolio that is diversified across different industries, different types of companies and even across different asset classes is key. Don't have all your eggs in one basket!   Ladies, if you put the knowledge from this podcast into play it's going to have a massive impact on your financial future! Share this with gal pals and remember that investing is for everyone!   Resources mentioned:   Online brokers: Commsec / nabtrade / Self Wealth / Pearler   Learn to Earn by Peter Lynch and John Rothchild   CONNECT WITH EMMA KIRK:   LinkedIn:    https://au.linkedin.com/in/emma-kirk-14810727 Twitter:        https://twitter.com/emmakirk_au?lang=en Website:    https://www.magellangroup.com.au/       CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Wanna get super savvy but have no idea where to start? That's why I'm excited to chat with one of my favourite women in superannuation. Her name is Gemma Mitchell and she is an absolute gun when it comes to this stuff. We talk about the small things you can do now, to ensure your super is looking as good as George Clooney does when you retire. Ladies, get ready to take some notes because this one is a goody! Gemma explains what superannuation is and explains how it's different from an investment. Think of it as Future You's wallet. She explains why it's so hard to think about it and why it's SO important to think about it now, not when we retire. Gemma talks us through how much super we should have, and how much we should be aiming to have when we retire. The ATO has a calculator you can check, but Gemma explains that this is a pretty conservative figure and isn't tailored to your lifestyle. To make retirement planning less of a bore and much more relevant to your lifestyle the company Gemma works for (Super Fierce) has released a fun, interactive retirement planner called Blingo. If you check out the Blingo calculator and your super isn't where you want it to be, Gemma steps us through three easy ways you can have the biggest impact on your super balance. She also explains the different contributions including employer, concessional and non-concessional, spouse and super splitting. It's important to get advice as there are lots of different ways you can do it, and the rules are always changing. Gemma also talks us through a super exciting new incentive, that makes a huge difference if you've had time out of the workforce, or are self-employed, which is a huge win for women!  Gemma also reminds us that it's a good idea to look for any lost super, which could provide a boost to your super. Plus - why it's so, so important to check your insurance before you consolidate your super. She explains the different kinds of insurance that come with our super balances including life insurance, terminal illness, income protection and total and permanent disability as well as some important considerations when looking at your insurance policies. If you don't choose the investment strategy for your super funds, you'll be given the default. Gemma explains that you can change this according to how you want your money to be invested, from defensive (safer investments) through to growth (shares and property) and how you might want this to change across your lifetime. Think of your super fund as your future holiday fund for when you retire. We need to take action! We want to live our best life when we retire and getting our super sorted means that we get to do that. Resources mentioned:   Super Fierce - Blingo   Super Fierce - Tailored & free superannuation report   Moneysmart - How much super you need   ATO - Your Superannuation Basics   Super guarantee percentage   MyGov sign in (to access ATO portal)   Super Rewards   Book: Life is Tough, But So Are You   Previous episode mentioned:   Investing Part 1: Girls Just Wanna Have Funds   How To Become a Goal Getter with Briony Benjamin CONNECT WITH GEMMA MITCHELL:   Instagram:    @gemmamitchell.finance Email:        gemma@superfierce.com.au Website:    https://superfierce.com.au/ Instagram:    @besuperfierce CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

On the episode today we are joined by Lisa Simpson, a financial counsellor who helps people to get out of debt. After working for over 13 years as a Financial Counsellor and Educator Lisa has developed a passion for Financial Coaching and Literacy and her broad knowledge base allows her to assist people from all walks of life, all ages and circumstances.   Lisa has a passion for teaching people what they don't know about money. She shares with us the common ways that people are getting into debt. In her most recent role, she was looking at people's bank statements every day and saw a huge number of Buy Now Pay Later entries on their bank statements. Overcommitting via Buy Now Pay Later is so easy, and Lisa shares the ways that these kinds of debts can easily get out of control.   Lisa also shares why Buy Now Pay Later aren't regulated under the ASIC rules like other bank products and why this has created financial hardship for so many.   I know if these products were around when I was in my late teens and early twenties I definitely would have got myself into debt. Lisa provides guidance on what to do if you have a Buy Now Pay Later debt, with the first step being a budget, which she likes to term a personal money map. Essentially, this gets you from where you are now, to where you want to be. I love this way of looking at budgeting! Lisa teaches us about the snowball method of paying down debts.   Lisa also shares the downfalls of Buy Now Pay Later products, and why the ‘no interest' term hides the other fees and charges that can apply.   Lisa explains why the four walls of your own home are the most important costs to consider first and why you should prioritise these four needs over wants.   If you're in debt, there is help available. Lisa shares how Financial Counsellors can help. There is also significant help available from utility providers, banks and even grants, including payment plans, energy audits and moratoriums (essentially a payment holiday!).   Lisa also steps us through ways of approaching hard financial conversations with your partner. These can be hard, but Lisa's tips will really help.   A common money problemo we often get asked about is - will a Buy Now Pay Later debt affect their credit rating? Lisa explains the difference between your credit report, credit rating and your credit score and what is and isn't listed on these.   Ladies, if you're in debt (no matter how much), help is available and is so much easier to access than you might have thought!   Resources mentioned:   Connect with a financial counsellor: 1800 007 007 (National Debt Helpline)   QLD: Home Energy Emergency Assistance Scheme (HEEAS)   VIC: Utility relief grant scheme (URGS)   NSW: Energy Accounts Payment Assistance (EAPA) vouchers   SA: Energy bill concessions   Debt Snowball Method - Scott Ramsay   Domino Your Debts - Scott Pape (Barefoot Investor)   Atomic Habits - James Clear CONNECT WITH LISA SIMPSON   LinkedIn:    https://au.linkedin.com/in/lisa-simpson Facebook:    https://www.facebook.com/uncommoncentsgoldcoast/ CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

For today's episode, I am so excited to be joined by Kristen Hartnett from the Salvation Army's Moneycare financial counselling program to talk all things debt (and how to get out of it!). Moneycare is a free, Australia-wide, professional and confidential service for anyone and everyone who finds themselves in financial hardship.   Kristen explains to us the most common forms of debt that people come to talk to them about, including credit cards, Buy Now Pay Later, personal loans, utilities, taxation, fines, child support or owing money to family and friends. There are so many ways to get into debt these days, the important thing is that you talk to someone about it and explore your options.   Ladies, if you're in debt, there is so much you can do to get out of it. Kristen shares some incredible tips - there are so many more options than you might know.   In terms of budgeting, Kristen lets us know how to get started, recommends some really great resources, and shares that the best way to approach budgeting is to tackle one thing at a time.   Kirsten also breaks down Buy Now Pay Later debt, explaining that even though the product is sold as being ‘interest-free', if you don't pay the product back in time, then you start incurring fees and charges. These products can be pretty scary because they are easy to get into and are unregulated, which means there are no credit checks. Kristen also explains credit card debt and shares how this kind of debts can often snowball. As we say at LFC, when things get drastic, don't stick it on the plastic!   Understanding your money story is another great tip from Kristen. She reminds us that the stories we often tell ourselves about how we are about money often aren't true. If you're feeling hopeless with money, you are likely overlooking all the ways you are great with it. Changing your story around money can be really powerful.   We also chat about how important it is to understand your debts and bills if you share them with your partner.    Kristen reminds us that debts don't go away, but just as they grow day by day you have the power to make them go away, day by day. She reminds us that there's always hope and light at the end of the tunnel and that your debts don't have to define you. You can get out of debt, and there are people who can help! Resources mentioned:   Money Care Financial Counseling Program Website: https://www.salvationarmy.org.au/about-us/our-services/moneycare/ Phone: 1800 722 363 Email: moneycare@salvationarmy.org.au   Moneysmart   You're the Boss - book and course   Podcasts: Huberman Lab podcast  /  Criminal podcast   Books / authors: Fierce Self Compassion  /  Sally Hepworth   CONNECT WITH KRISTEN HARTNETT   Twitter    :    https://twitter.com/kristenhartnett?lang=en LinkedIn:    https://au.linkedin.com/in/kristen-hartnett-18643598 CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat to normal gals like you and me (who don't work in finance) about how they invest their cashola.   Today, I'm chatting with the lovely Kenzia Dawn who is a freelance journalist at Channel 10 and producer at ausbiz TV. She's rather new to investing and she shares her inspiring story of how she gained control over her money - all by herself!   Anyone can do it ladies! Financial freedom can be yours.   CONNECT WITH KENZIA Instagram: https://www.instagram.com/kezia_dawn/ Website: https://keziadawnmedia.com/ CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

When we talk about tax, it's very easy to switch off and think of last night's episode of The Bachelor but not anymore! On the episode today we're chatting to Helen Francis, Principal Accountant of Ty Francis. Helen's on a mission to make talking tax a lot less boring and a little more sexy.   In our conversation, we talk about how tax confuses so many of us and the biggest mistakes she sees ladies make with their tax return.   Helen explains the tax dates and how these vary depending on your circumstances. She also runs us through the things we don't need to tell the tax man about and when that side hustle of yours is and isn't considered to be a hobby for tax purposes.   Helen lets us know what we can and can't claim (and what people try and get away with claiming!). She also explains home office expenses and that all-important question of capital gains tax around investments! This part is so helpful if you've been making those dollars on your investments in the last financial year. Helen also cautions where things can get complicated with dividend re-investment plans and her recommendations around record keeping if you've got that happening.   We also cover how we actually legally reduce our tax bill (keyword being legally!). Helen runs us through superannuation and the benefits of voluntary superannuation contributions, as well as that advantageous but damn hard option of negative gearing.   Helen also explains the medicare surcharge and the key point you need to know if you're in a couple. Also, if you're not sure how things work with HECS, Helen gives us the lowdown!   We also chat about email hacks to deal with that Sunday night email anxiety - life-changing!   Ladies, I feel like an absolute tax guru after this chat - I know you will too!   CONNECT WITH HELEN:   Instagram:    @taxmermaid_ CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don't work in finance) about how they invest their cashola.   Today, I'm chatting with Ellie - @thelady.fire about how she first dipped her toe into investing, why it's important to know your fees and how the FIRE movement (Financial Independence Retire Early) drives her.   Ladies, you don't need tens of thousands to invest - Ellie shows how investing is absolutely achievable!   Resources mentioned: CONNECT WITH ELLIE:   Website:    https://theladyfire.com/   Instagram:    @thelady.fire CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Are you someone who's good at setting goals? If you're not, maybe it's just because you don't have the right process in place. On today's episode, I talk to Briony Benjamin all about how to become a GOAL-GETTER. She talks us through her awesome process of how she sets goals.   Also! You might hear some similarities in our voice (and last name) - Briony is my sister! But she's not just that, she's also an international speaker, author and viral video maker.   Bri runs us through her background which includes a commerce degree, film school, founding a speech and drama school, and creating viral videos with Mamamia. She also reveals what it felt like to face a shock cancer diagnosis in her early thirties and talks about her first book Life is Tough, So are You which documents the most important lessons she learnt on this journey.   Not only is Bri great at kicking cancer's butt, but she is also VERY good at setting goals.   Bri talks us through why the goals we set fail and the things that we can put in place to transform them from dumb goals into SMART goals. She reminds us to not be too ambitious (don't go from zero to hero ladies!) and that mindset is key.   Bri talks us through the goals she sets, how to review your goals for optimal results and some reflection questions that will help craft the ultimate goals for the coming year.   Bri helps direct your goal setting with some great categories you can make goals in - financial, personal development, relationships, work career business, health and fitness, emotional and mental health, time, contribution to community, fun and holidays.   We also talk about vision boards, scheduling, ta-da lists, and how a photo album can transform your gratitude practice.   You are going to love this chat and I'm so excited for you to hear about how Bri uses goals to craft her best life! Resources mentioned: Tony Robbins quote Ladies Finance Club free resources Project management software monday.com Career And Confidence Vision Board Kit - Shannah Kennedy PepTalkHer Kemi Nekvapil - The Gift of Asking Soulara CONNECT WITH BRIONY: Website:    https://www.brionybenjamin.com/   Book:        https://www.brionybenjamin.com/book/   Instagram:    @briony_benjamin   CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals about how they invest their cashola.   Today, I'm chatting with Jessica - @leungway about all things ETFs and how getting into investing is easier than ever.   Let's get ETF savvy! CONNECT WITH Jessica:   Instagram:    @theleungway   YouTube:    https://www.youtube.com/channel/UCTnmby77jIoz6GLQevjmVQQ CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

This episode is about one of my favourite things - why you need to set up an OMG fund, aka emergency fund, rainy day fund, and f***off fund (we explain why!). Lana our COO is on board for this episode and we step through everything you need to know about an OMG fund.   We start off with - what is an OMG fund? Quite simply it's money you keep in a separate bank account that you only use in emergencies. It's your new safety net and sits in cash.   Why do we need an emergency fund? Well, if COVID taught us anything,  it was that random shit that you'd never expect to happen happens!   We play a fun game called emergency vs. non-emergency and explore all the times when it IS ok and NOT ok to spend your OMG fund! Mental health and physical well-being are definitely reasons for dipping into your OMG fund.   The steps to open an OMG fund are simple. I step you through how to do this, including tips on how to set that emergency cashola saved up. There are so many creative ways you can make extra cash on the side - we run through those too. Where there's a will there's a way. Remember this is short-term pain for long-term gain!   We also talk about our own emergency funds and when we've needed to use them recently. The beauty of an emergency fund is that it relaxes you, gives you peace of mind and means you can get on with your life when emergencies come along.   Ladies, you've totally got this! This is your first step to creating a strong financial future.   Resources mentioned: Ladies Finance Club Free Resources Fiverr Upwork The Right Fit TRIBE Vamp   Previous episodes mentioned: Kill Your Bills with Joel Gibson   CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don't work in finance) about how they invest their cashola.   Today, I'm chatting with Tash - @tashinvests about her epic money mindset, her biggest investment mistake and her personal investing strategy.   Ladies, you don't need much to get started! CONNECT WITH TASH:   Website:    https://tashinvests.com/ Instagram:    @tashinvests Twitter:        https://twitter.com/tashinvests CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

My guest today is Joel Gibson, the author of Kill Bills, a money saving expert, columnist and Campaign Director at One Big Switch. His motto is to save as much as you can on the boring stuff so you've got money to spend on the fun stuff. So, if having more money to spend on fun sounds like your kind of thing, tune in to hear some insider tips and tricks for paying less on your bills.    In this episode, Joel gives us the run down on why the cost of everything from lettuce to energy bills has increased and he shares his top hacks for minimising what you spend on household bills, groceries and petrol.    In his book, Joel shares 9 different areas to master to become a money saving ninja, and today he shares some great advice on a couple of these areas, including how to negotiate your bills, and why you should be ruthlessly disloyal.    The cost of living is on the rise, but with Joel's hacks, he assures us that we can save hundreds, if not thousands of dollars in a matter of minutes. Stay tuned to the end of the episode where Joel and I play a game of yay or nay, talking about everything from Uber Eats to credit cards.    We'd love to hear about the savings you find after implementing Joel's money-saving hacks.  CONNECT WITH JOEL GIBSON LinkedIn: https://www.linkedin.com/in/joel-gibson-29939354/ Book: Kill Bills CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!  Every week we chat with gal pals (who don't work in finance) about how they invest their cashola. Today, I'm chatting with Sarah - @collectedinsight who shares how she got started investing, and what that has looked like for her. She mentions the dreaded “analysis paralysis” that stopped her from investing earlier, and where she's at today! CONNECT WITH SARAH Instagram: @collectedinsight Wesbite: collectedinsight.com CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

I'm chatting with an absolute rockstar in the women's finance world today, Effie Zahos. Effie is the Editor-at-Large at Canstar, one of Australia's largest financial comparison sites and has more than two decades of experience helping Aussies make the most of their money. I know you're going to get so much value from this conversation as Effie shares her tips and insights on how to give your finances a money makeover.    Effie Zahos regularly features on Channel Nine's Today Show as a money expert, and has written a number of books that we love here at LFS, including A Real Girl's Guide to Money and Ditch the Debt and Get Rich. In her fun and casual way, Effie helps others makes the most of what they have and it's such a delight to have her on the show today.   In this episode, Effie explains the five money personalities and how understanding your money behaviour can help you put measures in place to curb impulsive spending, save more and really make your money work for you.    We talk about the marketing mind games that get played on us, common mistakes Effie sees people make with their money and some of the biggest lessons she has learned personally when it comes to money. Effie also shares her thoughts on why it's so important for women to start thinking about investing and building wealth. If you're ready to take action on your money makeover, Effie shares her expert advice and tips on what to do first and it's all about keeping it simple. Small consistent things every day will go a long way to transforming your money game! RESOURCES MENTIONED: Super Calculator   CONNECT WITH EFFIE ZAHOS Instagram: @effiezahos/ Twitter: @effiezahos Books: Ditch the Debt and Get Rich & A Real Girl's Guide to Money   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don't work in finance) about how they invest their cashola.   Today, I'm chatting with Aleks - @brokegirlwealth about how she got started investing and broke through those beliefs she had about how “hard” it was to invest.   It doesn't have to be hard ladies! Dive in and give it a go. CONNECT WITH ALEKS Podcast: Big Swinging Stocks Instagram: @brokegirlwealth TikTok:: @brokegirlwealth CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.

If you're like most people, you probably didn't learn much about money in school. And that's a shame because knowing how to manage your finances is one of the most valuable life skills you can have.   Fortunately, it's never too late to learn. And my guest, Simonne Gnessen, joins me to talk about how you can become better with money by changing your money habits and improving your money mindset.   Simonne is the Founder of Wise Monkey Financial Coaching and the woman who truly pioneered financial coaching in the UK. She teaches people all over the world to become financial coaches and works with women and men to help them understand their money mindset and how to make smart financial decisions for their future.   Having also co-authored one of my favourite books, Sheconomics, Simonne made a huge impact on me when I was first trying to understand money and it's an absolute pleasure to have her on the podcast.   Have you ever wondered why we spend money when we know we shouldn't?   Money mindset is the set of beliefs and attitudes that we have about money. It can influence our spending and saving habits, as well as our approach to financial planning and investing.    By understanding your own money mindset, you will begin to make better financial choices that will benefit you in the long run. Tune in as Simonne shares how you can change your money habits and a few exercises that you can take action on today. CONNECT WITH SIMONNE GNESSEN Website: https://www.financial-coaching.co.uk/ LinkedIn: https://www.linkedin.com/in/moneycoach1 Book: http://sheconomics.com/   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/ See omnystudio.com/listener for privacy information.

Ladies I'm SO thrilled to have you here with me! My name is Molly Benjamin and I'm the founder of Ladies Finance Club. Massive confession - I was really bad with money. I would have preferred to get a brazilian than create a budget. My investments were made up of clothes and #goodtimes. I was almost 30 and while my guy mates were investing in the share market and buying property, my girlfriends and I were comparing how broke we were. So I took things into my own hands. I invited some girlfriends over, we ordered pizza, poured some wine and invited a mate who worked in finance to talk to us about this money stuff. Word got out about our finance rendezvous and we quickly outgrew my living room. My first event in the UK sold out in a week. Boom, Ladies Finance Club was born. Since that first event, we've spoken to over 25,000 women across the UK and Australia. We're helping women get fierce about their finances. That's why I'm here with this podcast. What I've learnt about getting your finance shit together is that it's so much easier than people make out. But you have to know where to start. So if you're like me, and you missed the money 101 lesson that we were never taught at school then sit back, get comfy, and pour yourself a drink. We're going to talk to some of the best money experts in the country. We'll chat about how you can get started investing fast, how to get out of debt and how to get onto that property ladder. Plus, some really simple ways you can manage your money (in minutes), and how to save thousands on your bills. We know that when women are financially empowered we change the world. We create better lives for our families, community and environment. Not only that - young women investors are driving the shift to sustainable investments. A big "yay!" for coming on this ride with me and I hope it really helps you start and take action toward your money goals. Especially if your head has been in the sand about your money for a long time.   Ladies, it's time to get money savvy!   LINKS   Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/See omnystudio.com/listener for privacy information.