Managing Money Made Easy by Karen G Adams

In this powerful episode of Managing Money Made Easy, Karen G. Adams is joined by health coach Sharon Gleeson to explore a truth many entrepreneurs ignore: burnout isn't a badge of honour - it's a serious warning sign. Sharon shares her personal journey from burnout to balance and breaks down the physical and emotional signals that most business owners miss until it's too late. From chronic fatigue and brain fog to emotional disconnection and irritability, this episode unpacks the "body whispers" that signal it's time to slow down before your health (and business) suffers. You'll learn: The hidden signs of burnout most people ignore Why entrepreneurs push through stress, and why that's dangerous How to take small, manageable steps to reverse burnout Easy, protein-rich breakfast tips for time-poor business owners How micro-breaks and better meal timing can restore your energy and focus Plus, Karen opens up about her own burnout story that landed her in the ER - and how Sharon shared with Karen how she can avoid this for the future

In this final episode of our 4-part series, I'm joined once again by Caroline Armstrong from Teamworks with Caroline to uncover what every small business owner dreams of - building a business that runs smoothly without you having to be there 24/7. Caroline unpacks the real meaning of operational excellence, how to create a team that delivers your “secret sauce” with consistency, and why most business owners hit a wall without these systems in place. If you're tired of being the bottleneck in your business and want to build a structure that scales, this is a must-listen.

In this eye-opening episode of Managing Money Made Easy, I'm joined once again by Business Coach and Leadership expert Caroline Armstrong from Teamworks with Caroline. We're diving into what it really takes to lead with confidence when you're running a small business, managing mates, and dealing with blurred lines at work. Caroline shares practical insights on emotional consistency, internal roadblocks, and why most leadership advice doesn't work for tradies, franchisees, and small biz owners. If you've ever felt stuck between being the “mate” and being “the boss”—this one's for you.

In this eye-opening episode of Managing Money Made Easy, Karen G. Adams welcomes back small business consultant Caroline Armstrong to unpack why traditional goal setting often fails—and what to do instead. Caroline explains how starting with goals like “double your revenue” can lead to burnout and self-sabotage when they're not aligned with how you truly want to feel. Together, they explore the role of emotional alignment, affirmations, and the brain's filtering system (RAS) in setting meaningful, achievable business goals. If you've ever felt stuck or frustrated by goals that just don't stick, this episode will completely reframe your approach.   Book a FREE 30-Min Discovery Call with Karen: https://link.tekmatix.com/widget/group/4MuwLly6AepUaJTXnmo6   Contact Caroline: Teamworks with Caroline | Empowering Small Business Owners Email: caroline@teamworkswithcaroline.com

In this episode of Managing Money Made Easy, Karen G. Adams is joined by powerhouse business consultant Caroline Armstrong from Teamworks to unpack the 5 Stages of Business—a practical, psychology-driven roadmap from idea to sustainable leadership. Caroline breaks down why so many entrepreneurs feel stuck in the ‘messy middle,' how mindset and self-awareness are critical to progress, and what differentiates high performers from those who give up. Using relatable analogies (like open water swimming) and real-world insights, this episode is packed with powerful lessons for small business owners who want clarity, growth, and long-term freedom. Book a FREE 30-Min Discovery Call with Karen: https://link.tekmatix.com/widget/group/4MuwLly6AepUaJTXnmo6   Contact Caroline: Teamworks with Caroline | Empowering Small Business Owners Email: caroline@teamworkswithcaroline.com

Thinking of financing a car, business equipment, or something big**?** Before you commit, tune into this episode where financial coach Karen G Adams and asset finance expert Kate Sheldrick break down how to borrow wisely without blowing your budget. We cover: ✔️ When financing makes sense (and when it doesn't) ✔️ How to avoid costly mistakes with asset loans ✔️ The #1 rule before signing any finance deal ✔️ Real-world tips for self-employed professionals & families

Before you finance that car or business equipment—listen to this! In this episode, financial coach Karen G Adams teams up with asset finance expert Kate Sheldrick to expose the real cost of loans—and how to avoid the traps that cost you thousands. We cover: ✔️ Hidden loan fees no one talks about ✔️ Balloon payments & how to spot them ✔️ How to finance assets without blowing your budget ✔️ Smart debt tips for small business owners & self-employed pros Whether you're self-employed, a tradie, or just want smarter borrowing strategies, this episode is packed with real talk and practical.   Book a FREE 30-Min Discovery Call with Karen: https://link.tekmatix.com/widget/group/4MuwLly6AepUaJTXnmo6   Contact Kate:  kate@ksfb.com.au 0422 017 223 Kate Sheldrick Finance Broker - 15 Years Experience - 65 Lenders Available  

Shift from scarcity to abundance with practical exercises to change how you think and feel about money. ---- Introducing THE VAULT: Your Monthly Gateway to Growth and Success! Imagine having exclusive access to a treasure trove of coaching, courses, and community support - all designed to keep you on track and thriving. Join THE VAULT today and continue your journey towards financial mastery and personal growth. Your future self will thank you!   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Learn creative strategies to boost your savings without sacrificing your lifestyle.   ---- Introducing THE VAULT: Your Monthly Gateway to Growth and Success! Imagine having exclusive access to a treasure trove of coaching, courses, and community support - all designed to keep you on track and thriving. Join THE VAULT today and continue your journey towards financial mastery and personal growth. Your future self will thank you!   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Discover why an emergency fund is your financial safety net and how to start building one without feeling overwhelmed.   ---- Introducing THE VAULT: Your Monthly Gateway to Growth and Success! Imagine having exclusive access to a treasure trove of coaching, courses, and community support - all designed to keep you on track and thriving. Join THE VAULT today and continue your journey towards financial mastery and personal growth. Your future self will thank you!   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Let's debunk common money myths that hold people back from financial freedom. From “I'm too old to start saving” to “Debt is always bad,” this episode sets the record straight.   ---- Introducing THE VAULT: Your Monthly Gateway to Growth and Success! Imagine having exclusive access to a treasure trove of coaching, courses, and community support - all designed to keep you on track and thriving. Join THE VAULT today and continue your journey towards financial mastery and personal growth. Your future self will thank you!   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Your credit report is more than a number. Learn how to read, improve, and leverage your credit score for better financial opportunities.   Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #CreditReport #CreditScoreBoost #FinancialKnowledge #MoneyMastery

Let's break the stigma around debt and talk about practical strategies to reduce it while staying motivated. Hear inspiring client stories of debt-free success. Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #DebtRepaymentStrategy #DebtFreeJourney

Budgeting doesn't have to be boring! Learn creative and enjoyable ways to build a budget that works and still allows for the things you love.   Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/ JOIN MY PRIVATE FACEBOOK GROUP: The Financial Learning Hub   #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #KarenGADams 

Explore the foundational concept behind ‘Building Financial Muscle.' Learn how financial fitness mirrors physical fitness and the step-by-step approach to strengthening your financial health.   Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    #FinancialLiteracy #DebtManagement #FinancialMuscle #MasterYourMoney #2025Goals #FinancialManagement101 #KarenGADams 

Kickstart 2025 with a fresh mindset. Discover why managing money is 80% mindset and 20% know-how. Learn actionable tips to reset your financial habits for success this year.  Get your free BUDGETING SPREADSHEET and DEBT REPAYMENT STRATEGY HANDOUT here: https://financialmanagement101.com.au/resources/    #FinancialReset #MasterYourMoney #2025Goals #FinancialManagement101 #KarenGADams 

Did you know that most people spend 93 percent of their income on mortgage repayments and general living expenses? So if you're constantly worried about how to make ends meet, you are not alone. Discover some ways that you can do to cut your expenses and fight inflation.   The Learning Hub at Financial Management 101 is all about getting the financial education you need to make informed decisions about your financial life and future. Join today for only $79 per month and get immediate access to all courses and books including ongoing financial and mindset monthly coaching now. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

The main key is to stay disciplined, avoid any more debt. And watch your home loan reduce faster. By making these small little tweaks to your home loan, you can cut years off your mortgage and save thousands in interest. Learn more about this topic by listening to this podcast!   Whether you're dipping your toes into the home-buying waters for the first time, eyeing a smarter refinancing strategy, coming off a fixed interest rate, or expanding your portfolio with another investment property, Karen's 20-minute discovery call, is your first step towards mortgage mastery! Let's dive into your financing needs, explore your options, and perform a FREE mortgage health check to ensure your plans aren't just dreams but achievable realities.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Building financial muscle is essential for long-term well-being. A strong financial position helps with both emergency planning and future goals like retirement or large investments.   In this episode, let's discuss why money is important, specially today when inflation is unstoppable!    The Learning Hub at Financial Management 101 is all about getting the financial education you need to make informed decisions about your financial life and future. Join today for only $79 per month and get immediate access to all courses and books including ongoing financial and mindset monthly coaching now. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Ah, the years of 35-55. When you are either too old to know the latest TikTok trends or young enough to have a general understanding of what TikTok is. Welcome to the sandwich generation, where you're caught between raising kids and/or taking care of aging parents. Your wallet feels thinner than a supermodel on a juice cleanse, and what about your time? Forget about it. But do not worry, your financial coach is here to help you navigate these treacherous waters with a smile.   Learn the fundamental concepts of how budgeting and saving are important to your financial well-being. Registration is now open for the course: Mastering Budget and Saving Techniques. This is a hands-on course with me guiding you on how to budget, track and look at managing your money like a pro.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

As your financial coach and mortgage broker, I'm here with a warm cup of advice that's as comforting as your morning coffee. Today, we're diving into a topic that might seem as complex as grandma's secret recipe but is equally essential for your family's well-being: Understanding Insurance.  Remember, in the grand game of life, insurance is not just a precaution; it's a strategy for enduring prosperity and peace of mind.   If you want more help understanding your insurance, then reach out to your financial planner or insurance specialist and get the clarity you need to ensure you're covered where you need to be and not paying for stuff you don't necessarily need. The Learning Hub at Financial Management 101 is all about getting the financial education you need to make informed decisions about your financial life and future. Join today for only $79 per month and get immediate access to all courses and books including ongoing financial and mindset monthly coaching now. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Hello, aspiring homeowners and financial adventurers! As your trusty financial coach and savvy mortgage broker, I'm here to guide you through the thrilling yet often perplexing world of mortgage interest types.  Picture this: you're embarking on a quest to find the perfect home, but there's a fork in the road. Do you take the path of fixed interest rates or venture down the trail of variable rates? Let's unpack these options together, with a sprinkle of fun and a dash of wisdom, to ensure you make the best decision for your financial future. Whether you're dipping your toes into the home-buying waters for the first time, eyeing a smarter refinancing strategy, coming off a fixed interest rate, or expanding your portfolio with another investment property, Karen's 20-minute discovery call, is your first step towards mortgage mastery! Let's dive into your financing needs, explore your options, and perform a FREE mortgage health check to ensure your plans aren't just dreams but achievable realities.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

In today's fast-paced world, financial burdens can be overwhelming. Whether dealing with debt, managing daily expenses, or saving for the future, these challenges can be extremely stressful. However, with the right strategies, it is possible to overcome these obstacles and achieve financial stability. Here, we will look at practical ways to manage and alleviate financial stress. Overcoming financial challenges necessitates a combination of practical strategies and a mental shift. By implementing these strategies, you can lead a financially secure and stress-free life. Remember that small steps can lead to big results, so start today and take control of your financial future. The LEARNING HUB at Financial Management 101 aims to help you gain more financial knowledge, while providing you with the support and help you need. Join the Learning Hub today for only $79 per month.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Navigating the world of mortgages can feel overwhelming, but armed with the right information, you can make decisions with confidence. Remember, a mortgage is one of the biggest financial commitments you'll make, so it pays to understand the basics and consider your options carefully.  As your financial and mortgage coach, I'm here to guide you through this journey, ensuring you feel empowered and informed every step of the way. Understanding your home loan is about more than just signing papers; it's about taking control of your financial future and making the dream of homeownership a reality.  If you want to know whether your home loan is working effectively for you and your personal finances contact me at karen@harkenfinance.com for a chat.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Your credit report and score plays a huge role not only with future borrowing, but sometimes with future employment opportunities, if you're applying for jobs that handle money and finances. However, improving your credit score is a gradual process. It requires consistent effort and financial discipline. Avoid quick-fix solutions, as they are often ineffective and can lead to further financial troubles. Learn the fundamental concepts of how budgeting and saving are important to your financial well-being. Registration is now open for the course: Mastering Budget and Saving Techniques. This is a hands-on course with me guiding you on budgeting, tracking, and managing your money like a pro. Use the CODE: CREDITREPORT for limited FREE time access to the course Mastering Your Credit Report: A Comprehensive Guide: ENROL HERE: https://learn.financialmanagement101.com/mastering-your-credit-report    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Handling unexpected financial emergencies requires a mix of planning, resourcefulness, and informed decision-making. This podcast will dive into some smart ways to manage such situations. Listen now!   Learn the fundamental concepts of how budgeting and saving are important to your financial well-being. Registration is now open for the course: Mastering Budget and Saving Techniques. This is a hands-on course with me guiding you on budgeting, tracking, and managing your money like a pro.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Reducing your monthly expenses involves a combination of identifying where you can cut costs and implementing habits that foster financial efficiency. You can start by tracking all your expenses for a month. This will give you a clear picture of where your money is going. Listed to the podcast and learn about different strategies that you can do to cut costs and reduce your monthly expenses. Learn the fundamental concepts of how budgeting and saving are important to your financial well-being. Registration is now open for the course: Mastering Budget and Saving Techniques. This is a hands-on course with me guiding you on budgeting, tracking, and managing your money like a pro. Use the CODE: CREDITREPORT for limited FREE time access to the course Mastering Your Credit Report: A Comprehensive Guide: ENROL HERE: https://learn.financialmanagement101.com/mastering-your-credit-report    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Prioritising expenses and effectively managing your spending is critical for your mental health, financial stability, and future growth. Your priorities and goals will dictate how you manage your spending, so tailor these steps to fit your unique situation. Learn the fundamental concepts of how budgeting and saving are important to your financial well-being. Registration is now open for the course: Mastering Budget and Saving Techniques. This is a hands-on course with me guiding you on budgeting, tracking, and managing your money like a pro. Use the CODE: CREDITREPORT for limited FREE time access to the course Mastering Your Credit Report: A Comprehensive Guide: ENROL HERE: https://learn.financialmanagement101.com/mastering-your-credit-report    Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

In today's economic climate, relying solely on one source of income can be risky, particularly for people in their mid-30s to 50s. Diversifying income sources not only provides financial security, but also creates opportunities for personal and professional development. Learn how you can generate multiple income streams in your prime years.   The LEARNING HUB at Financial Management 101 aims to help you gain more financial knowledge, while providing you with the support and help you need. Join the Learning Hub today for only $79 per month.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Insurance is more than just an expense; it is an essential part of your financial security strategy. Understanding and having the right insurance coverage protects more than just your assets; it also ensures the financial well-being of you and your loved ones. The LEARNING HUB at Financial Management 101 aims to help you gain more financial knowledge, while providing you with the support and help you need. Join the Learning Hub today for only $79 per month. For more information and support with managing your money head over to the Learning Hub and join my monthly coaching program, where you will get regular support and access to the many courses available to help you build more financial muscle. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Retirement planning in your middle years is an important step toward ensuring a comfortable and fulfilling retirement. It is about making smart decisions now that will pave the way for a safe and fulfilling future. Remember, the earlier you begin retirement planning, the better off you will be. The LEARNING HUB at Financial Management 101 aims to help you gain more financial knowledge, while providing you with the support and help you need. Join the Learning Hub today for only $79 per month.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

For those in their mid-30s to 50s, frugal living doesn't mean cutting back on life's pleasures. It is about finding the luxury in simplicity and making wise decisions that improve your life without breaking the bank. Learning about money can give you the power to make smart financial decisions and reduce money-related stress over time. That's where the LEARNING HUB helps you gain more financial knowledge, while providing you with the support and help you need. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Investing in your child's future requires more than just financial commitment; it's about making informed decisions, taking a diversified approach, and instilling in them the value of financial responsibility. It's a journey that goes well beyond the piggy bank, setting the stage for a brighter, more secure future for your children. For any of the strategies shared, I would encourage you to seek out professional advice first to ensure it aligns with your values, goals, and financial position. Remember, it starts with you. Learning about money can give you the power to make smart financial decisions and reduce money-related stress over time. That's where the LEARNING HUB helps you gain more financial knowledge, while providing you with the support and help you need. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy). For more information and support with managing your money head over to the Learning Hub and join my monthly coaching program, where you will get regular support and access to the many courses available to help you build more financial muscle. Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

As we navigate our 30s, 40s, and early 50s, managing multiple debts can be like juggling with too many balls in the air. Whether it's credit card debts, personal loans, or car payments, keeping track can be overwhelming. This is where debt consolidation comes in as a practical financial strategy, providing a much-needed tune-up for your finances. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy)   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

Managing your mortgage during your prime years requires a combination of strategy, knowledge, and foresight. But you can transform your mortgage from a financial burden to a key component of your financial success by understanding your options and making informed decisions. If you want to know whether your home loan is working effectively for you and your personal finances, contact me at karen@financialmanagement101.com.au for a chat.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/    

In the journey of life, the years between 35 and 50 are often the most dynamic. You're navigating the peak of your career, perhaps raising a family, and dreaming about those well-deserved vacations or adventures. But how do you balance these dreams with the reality of financial responsibilities? The answer lies in smart budgeting. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy).   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/  

As we welcome the year 2024, it's the perfect time to reflect on our financial journeys and set new goals. For many, this means re-thinking our money management habits and looking at our mortgage options. In this episode, let's dive into some key strategies that can help you achieve financial success in the New Year. Download your FREE Budget Spreadsheet. Please don't forget to make your own copy. (On the upper left corner, click File > Make a Copy) Budget Spreadsheet   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/    

Learn the quick and easy steps to becoming mortgage-free sooner and in half the time.

If you've recently lost your job or you feel you're about to, here are some things you can do right now to make sure you survive during the uncertain weeks or months ahead.

I feel this is such an important subject and I'm going to be sharing my thoughts and knowledge with you today on how to become more confident. Without confidence, it limits how we feel about ourselves, how we're perceived by people and what we ultimately achieve in our lives. Having confidence is like having the blood that runs through your body - it's a must to feeling good about yourself and achieving your life's purpose. So what is confidence and why is it so important? Well, that's what I'm going to be sharing with you today.

Putting things off is one of life's not so guilty pleasures. So many people say that they don't do it but we know we all do whether it be in our work or something we need to work on in our relationships or in achieving good health. When we want to put off doing something we are pretty dam good at coming up with a whole bunch of reasons and excuses why we can't. We try so hard to convince ourselves why we can't do it today and why we should put it off for another day. In this podcast, I share some practical ways in which you can beat procrastination.

Getting your balance back is about enjoying life, as well as being mindful that if you're not wealthy and flushed with money that you need to save and grow your money too.  Because you don't want to get to the end of your working days to realise that you could've done more but didn't' and then get upset when you have to rely on a government pension during your "golden years".  Relying on government support will only provide the bare essentials and hardly provide you with a lifestyle you've been used to while working.  This podcast provides the tips and things you need to do today to get you ready for when you retire. How To Keto Your Money - a 21-day kick start program designed to get your money in shape quickly. Learn more HERE  

Overwhelm comes in many different forms whether it be from our work, family pressures, money stress or just not able to figure out how to stay true to yourself with the many pressures life has. This podcast is about offering some simple tips and strategies and to also remember to breathe coz you've got this. 

Ten quick and easy ways to have more money back into your pocket, that you can put into practise straight away. Helping you save more of your hard earned money.

Happiness is a choice.  This is a tough subject because there are so many factors that inhibit us from truly being happy. One that appears a lot is a lack of money and the other is we're too busy being busy that we're not stopping to see what's going on around us and then making the changes we need to bring more happiness and joy into our life.