Straight Talk About Money With Coach Chris

Chris is a regular guest on her local radio station "My Life Radio" you can learn more about that here and this episode was recorded on one such occasion. The new drive home host was interviewing Chris about how best to spend your tax return - we think you will enjoy this small window into their chat.If you want to know about how Chris can help you - have a look hereWe hope you enjoy this episode

Chris gives an overview of what Jim Chalmers delivered to us on the 14th May 2024 - the proposed Federal Budget. What does it mean to everyday Australians - How much are we actually better off and concludes that even though it seems a relatively small amount of relief -if you use the money wisely it can be of advantage. Have a listen and if you have any questions or comments please email us at podcast@coachchris.com.au or for more details on how we may be able to help you navigate your financial world check out our website here

In this episode Chris explains in detail how to set goals that you will actually achieve. So many people make wishes rather than set goals and so Chris will go through the exact how to's of setting goals that you will achieve.For any questions that you may have please email Chris - podcast@coachchris.com.auIf you want to receive the goals setting guide please follow this linkTo book your complimentary appointment here

Chris has been noticing that so many people are calling for help because they have received their Christmas Credit Card and so today's podcast centres around planning for the things that you want to achieve in 2024.This will be different for everyone but it is a great time to set some goals - have a listen and if you have any questions or comments please feel free to email me at podcast@coachchris.com.auIf you want to hear more about what we do then check us out hereAnd the quote I mentioned was said by Albert Einstein,"Insanity is doing the same thing over and over again and expecting different results"

We are hearing on the news that  banks & economists are predicting an 80% chance of another interest rate charge - so in today's podcast, Chris is going to explain how to prepare for an interest rate rise.You cannot bury your head in the sand and hope it all goes away - it will not and the result of that type of behaviour will see your funds in a mess.So listen in and if you have any comments or questions then please email me at podcast @coachchris.com.auIf you want to know more about what we do - you can read about us here or book a complimentary appointment here

We keep hearing a lot about the cost of living rising and the predictions of a recession - so what exactly is a recession - well in this episode, Chris explains in simple terms so we can all understand and know what to look for.If you want to know more about what we do and how we can help you then visit us here we'd love to get to know you and see how we can help you

It has been a few weeks now since we gathered your questions together but here it is - your questions answered. Chris takes four questions that seem to keep coming up all the time and attempts to answer them in light of today's financial climate.Please be aware that no financial advice is implied or given - the information within this podcast is of a general nature and for any financial advice for your particular situation you need to seek your own financial advice from a licenced financial adviser.For any further questions please email us at podcast@coachchris.com.au or visit our website here

In this final episode in our series on "Getting Back to Basics" Chris goes over some important points that you need to address before you launch into a small business. So many times what started out as a great small business idea ends up costing money instead of bringing in those much-needed extra funds simply because we have not understood some vital information surrounding cash flow.During the podcast, Chris mentions a workshop she conducts called,"Let's Talk Cashflow!" if you have an idea for a small business and are interested in joining her next workshop please email us at info@coachchris and we will let you know when the next workshop commences or call us on 0490 055447 and reserve your spot. Or fill in the contact form on our website here and ask about our upcoming eventsAnd of course, any questions that you would like us to address email us at podcast@coachchris.com.au

We are changing focus this week from how to reduce expenses to how to increase income.If you have gone through your budget and you see no way of reducing expenses or you simply don't want to reduce your expenses then you will enjoy today's podcast. Chris gives you a few suggestions that hopefully will start you thinking and move you towards balancing your budget.Any feedback from today's podcast please email us a podcast@coachchris.com.au

In this 4th episode in our series on getting back to basics, Chris shares some practical steps to getting out of debt. In the war on rising costs, reducing the amount of debt you carry can in fact save you a lot of money. If you need further help please check out our online course "Getting out of Debt" hereOr visit our website www.coachchris.com.auOr email us at podcast@coachchris.com.auPlease feel free to share this podcast!!

This is the  3rd episode in our Back to Basics series and we are looking at practical tips on reducing those expenses which you have to afford - like your mortgage or your rent etc. All too often people feel like there is nothing they can do about those but actually, there is a lot you can do and that starts with you choosing to be in control of your budget.Have a listen and if I can help you further contact me at podcast@coachchris.com.au or find me here or on Facebook here or if you are interested in taking an online course you may want to check out our "Money School" here

The 2nd Episode in our series on Getting Back to Basics looks at the advantages of dividing your money up into different bank accounts.There are some great advantages but also some warnings - have a listen and let me know any questions you may have. Email me at podcast@coachchris.com.auIf you want to know more about what we do you can take a look here

In this first episode of the new season, Chris explains why she felt it was necessary to take a break from podcasting and to provide something that people are needing right now.With her usual style, Chris takes us through what we need to do if we are struggling with rising prices and will help you to discover exactly what you have to work with.Any questions please send them to podcast@coachchris.com.auand please contact us if you need help to understand your financial worldor take a look at our newest offering - our online courses

In this episode, Chris talks about the conversations she has been having with various people about how they are making their money go further.The interesting thing that has come out is that the older generation seems to have an advantage because they have seen their parents and their grandparents be resourceful.So take a listen and maybe start up a conversation with your friends and family and neighbours and see if you can glean ideas from each other.As always questions or concerns email me at podcast@coachchris.com.au and if you want to know more about what we do check us out here

There is often so much excited anticipation when the end of financial year rolls around and people start thinking of how they might spend their "winnings" - in this episode Chris takes us through what to get ready and what to include and also addresses where to spend it.Be careful you don't spend it more than once!For any questions you would like answered on the podcast or discussion you would like to have, please email us at podcast@coachchris.com.au

The saying, "Old ways don't open new doors"  is a good challenge  and I was indeed challenged by this when I was recently on a forced vacation from work when I contacted Covid last week!As I lay on my sickbed feeling sorry for myself I began to reflect on my life and work in the light of the world we now live in with the volatile share market, rising cost of food , rising fuel costs, increasing interest rates etc. and my forced sabbatical allowed me to inspect not only how I spent my time but also how time could and how it is used could have an impact on my spending.I hope you will enjoy this weeks reflective podcast and be influenced to ask yourself the question - How can I do things better and therefore reduce my expenses (Or increase my income?)As usual any questions or comments, email me podcast@coacchchris.com.auor to find out more about what we do look here

In this episode Chris shares over 30 tips on how to save in the area of:Household ItemsFood & GroceriesTransport CostsUtility SavingsSo that you can actually see your savings account growing for the things you really want to do - a family holiday for instance.If you have any tips then please send them into podcast@coachchris.com.au

In this final episode on "Home Truths' Chris poses some thought provoking questions to hopefully get us to stop and ask some hard hitting questions. Don't just accept the cost of living as increasing and merrily carry on spending as if it will be OK -Instead take a fresh look at your income and expenditure and make the changes you need to make so that you do not incur debt - even if it means you have to do it tough for a while.After all... "Everyone goes through tough time!"For any questions or comments please email podcast@coachchris.com.auor find out more about us here

The 4th in our series on home truths and Chris wants to let you know once and for all that  being rich and getting rich will not make you happy. If you are not happy now then money will not change that - yes money can buy pleasure but pleasure does not last. Have a listen and please direct any questions or comments to me at podcast@coachchris.com.auOr if you would like some more information about what we do - you can visit us here

In this 3rd episode on "Home Truths About Money" Chris explains the danger in allowing your money to dictate what you can and can't do. In her work as a financial coach she has experienced first hand how people who set their mind to do things actually mange to pull it off even if they are limited funds. Chris and her husband have 5 children and they have also learned over the years that money should never set the boundaries and you really can achieve things far above your income if you put your mind to it.As always send in your questions to podcast@coachchris.com.au or if you would like to get some help with your financial management then you can find out more about what we do here.Have a wonderful week!!

The second podcast in our series and Chris talks about the importance of learning to leave some money aside every time you get paid to allow your savings to grow - a simple concept and how do we do that and is it really a benefit.Chris answers this and more - please feel free to send us your comments or questions at podcast@coachchris.com.au and if you want to know more about what we do please contact us here

In this new series on home truths about money, Chris shares the importance of realising that good money management and good skills with money take time to perfect. So many of our young people especially are falling prey to these "buy now pay later" schemes because they want the things that money can buy - believing that having things and being rich is the way to true happiness. Let me stop you right there - it won't! Yes it can buy you nice things but lasting happiness comes from within and building great financial health and money skills takes time and effort, learning and making mistakes and learning from those mistakesHope you enjoy this new series and please continue to send me emails about what you would like to hear more of on the podcast - podcast@coachchris.com.auOr if you wish to find out more about financial coaching then contact us here

After listening to the government budget being handed down last week Chris decided it would be a great idea to look at how we could benefit from the extra money we may find in our pockets and asks the question, “What if you decided to do something useful or clever with that money and make it work for you?”Over the years she has discovered that those people who do well financially -Don't follow the crowdEducate themselves in the area of financeThey know what they want from their money and know what they want to achieveSo join her today as she explores how just $420 invested in three different areas over time can be worth between $1,001 and $160K over time!!Any questions or comments  - email us podcast@coachchris.com.auor  visit us here

When it comes to family celebrations it can be costly especially if you leave everything to the last minute. In this episode Chris shares the benefit of planning ahead for celebrations and how to reduce costs by taking the focus off what you get to having fun and celebrating together.This episode is filled with lots of ideas to make this a fun filled Easter without breaking the bank.Any questions or comments please email us at podcast@coachchris.com.auOr if you are interested in getting some education surrounding your money and how to manage it visit us here

Chris has been asked the question how do you get out of the cycle of borrowing before your next pay or continually using credit to live because your income is not enough.In this episode Chris give 6 steps to changing your money behaviour and I am sure you will find this both engaging and informative -  she also refers to some previous podcast episodes we recorded in May 2021 when Chris interviewed Lee-Anne - you can listen to the first of those episodes hereAny questions or comments please email us at podcast@coachchris.com.au

In celebration of International Women's Day I thought we would choose a topic that affects us all yet women seem to be considerably disadvantaged in this area. I am talking about super. It would seem, if statistics are to be our measure, that women retire on 26% less in their superfunds than men.Well I think we need to do something about it - Hope you enjoy today's podcast and that you decide to do something proactive about the balance in your super.Of course as always the statements made in this podcast are of a general nature and no financial advice is implied or given. For your own unique situation please talk to your own finance professional.If you have any questions or comments please email me at podcast@coachchris.com.auor visit the website here

In this episode Chris explores why you may have noticed that prices are rising for just your basic needs and what you can do about it. How can you find the extra money you need to afford these price rises?For any questions or comments please email me at podcast@coachchris.com.au or for more information about coaching then visit us here

Chris takes the opportunity to speak with Amy who is a mortgage broker about what is happening with interest rates when it comes to home loans. A really good interview that opens up the conversation surrounding what should we be doing now in preparation for loans to increase. Is it the right thing to do to fix? or do we stay variable?If you don't have a broker and would like to talk to Amy you can contact her hereand if you have questions or comments please email us at podcast@coachchis.com.auOr find out more information here

In this episode Chris talks about the possible reasons behind a rate rise. We've been hearing it in the media and some of you may have noticed that your bank has already moved to increase interest rates.Hopefully this will help you to understand what is possibly going to affect you and then we will continue this discussion next week when we talk about what we can do to prepare.Any questions or concerns please email us at podcast@coachchris.com.au

It seems that more and more people are having overdrafts attached to their everyday bank account so that they do not have to "suffer the inconvenience of overdrawing their account or paying dishonour fees" as one bank promotion put it!!I think it is more helpful to let people see the results of their overspending instead of giving them a facility that teaches them to overspend!!A bit of a soapbox rant today, listeners - let me know your thoughts???you can email me at podcast@coachchris.com.au Or watch the video podcast hereThat is also the place to send in your questionsHave a wonderful week!

One of the things I have noticed among some clients and general conversation is that people are feeling there is no reason to set goals or think too far ahead as life changes so quickly. I am a little saddened by this but I was out having coffee with friends this morning and was reminded of a principle that I developed quite a few years ago - take a listen to the podcast and hear about the "Hall Principle" - Hope it helps and if you have any questions or comments then please write to me at podcast@coachchris.com.auor leave a comment on my You tube channel - where you can see visually the recording of my podcast - here's the link.

Often with the start of a new year our thoughts naturally turn to New beginnings and we hear of many people making New Years Resolutions - usually those resolutions are surrounding weight loss/ health and fitness etc - unfortunately New year resolutions have a bad name because more often than not January starts out full of hope only to have seen us fail by the beginning of February.So what I prefer to do is to set the standard for the New Year and I think it is a good idea to reflect on the last year and learn from it. Join me in the first podcast for the year where I look back at last year and see what we discovered were the two most important things to us and let's set the standard together for a great financial year!If you prefer video you can watch this podcast on our You Tube ChanelAs always if you have any questions or comments please email me at podcast@coachchris.com.au

Chris gives an overview of 2021 and all that we spoke about and she did it live and on video - so if you want to see what goes on behind the scenes tune in via You Tube. So many people to thank and especially you the listener - we managed to reach over 1500 downloads!!Any questions or comments or ideas that you would like to see covered in 2021 then please contact us via podcast@coachchris.com.au or you can visit the website atwww.coachchris.com.auWishing you all a very happy Christmas and prosperous New Year!!

A bit of a lighthearted episode as Chris shares a helpful tip to stop those Christmas shopping frenzies when you leave things to last minute. Whether your life is too busy to do your Christmas shopping early or you suffer from disorganization - Chris's Virtual Shopping Tip will help you complete it in record time.For any questions or comments please email us at podcast@coachchris.com.au

This episode came out of many people asking how they can do Christmas a little smarter because of their finances being impacted this year. Chris addresses the spending on the gifts, the food, the activities and even the decorations so that we can make this year less expensive whilst still maintaining the love and the care that is part of Christmas.If you have got any questions or comments or if you have a money topic you would like us to address -  please write to us at podcast@coachchris.com.au

With only 5 weeks to go I am sure you are noticing a strong presence of Christmas all around you! Join Coach Chris today as she talks about planning for what can be a very expensive time. Even if you've left it too late then use this year as research and be ready for next.Find out how to plan and if you want to receive your Christmas Budget Planner just email us at podcast@coachchris.com.au

This is the final podcast in a 6 part series on the benefits of gathering your own personal financial team. In this episode Chris explains what she brings to the table as a financial coach and then wraps up the whole series.Hope you have found this informative - it came from one of your questions - so if you have any other questions or comments please contact us at podcast@coachchris.com.auIf you would like to know more about financial coaching see this

This was such an informative episode and a must listen for everyone. Yes a lawyer should definitely be part of your financial team!Listen in as Coach Chris interviews Elise and if you have any further questions please email us at podcast@coachchris.com.au as we will be answering those questions at our final in this series next week.

I am sure you will find this interview very informative. Chris speaks with Dean a financial planner who describes beautifully what is the real value in team. "We need teachers, mentors, advisers, family and trusted friends who will challenge us and push us to do better....."During the interview Dean mentioned a link and said, " It is important to make sure you get advice from a financial planner who is properly licensed and qualified. " Here is the link to help you find a planner      and if you are living in the Adelaide area and want to connect with Dean then you can find him here

The second person that we believe is a good fit for your financial team is an accountant.In this interview Chris talks with Michael an accountant that she works with and finds out the value he brings to a financial team.If you have any questions or comments please email us at podcast@coachchris.com.auMichael is part of the Van Dyk Newbold Accounting and Business Advisory Practice in McLaren Vale - http://www.vandyknewbold.com.au/

In this first interview Chris talks with Amy, a mortgage broker who explains exactly what she does and the value of having a broker as part of your financial teamAny questions that you have please direct them to podcast@coachchris.com.auand if you wish to connect with Amy here's her website

During a normal day in the life of a coach - Chris describes her witnessing first hand - the power of a team.There is a wonderful quote that really describes the value of having a team,"Teamwork is the fuel that allows common people to attain uncommon results"An this incident really highlights that very thing.When you have your own personal financial team - you get to look at a financial decision from every aspect so that you go into it with the best information you can get and out of that make a wise decision.Hope you enjoy this introduction to a few weeks of interviews with those that you could have on your own personal finance teamAny questions that you would like answered over the next few weeks email us at podcast@coachchris.com.au

In this final episode in the series Chris talks to Bonnie a new business owner who has been severely affected by the lock downs and border restrictions. As a florist who works mainly in the florist and event business she has seen her income reduce majorly.Listen in on what Bonnie has learned and the things she has been grateful for.If you need help with your finances book in for a complimentary appointment with Chris and get fully equipped to survive any financial emergency.

This is an interview that really highlights the value of preparation. We never know when an emergency will strike but Brenton and Vanessa clearly show that if we plan for the possibility of an emergency then we can go into one with the backing of some spare funds and the knowledge and skills of how to navigate the uncertain.Hope you enjoy it!Remember we love to hear your questions and comments so email us at podcast@coachchris.com.auand if you would like to find out more about our services have a look hereor if you would like a complimentary appointment - book here

In this episode Chris does an overview about what we have been hearing so far in all of the interviews that we have heard over the last few weeks.We hope that you have been finding it inspiring and encouraging and you are learning lots.Some of the quotes mentioned in the podcast are:"A great attitude becomes a great life" - Unknown"Intelligence is the ability to adapt to change" - Stephen Hawking"The first step toward getting somewhere is to decide that you are not going to stay where you are" - Chauncey DepewAnd here's the challenge - how can you take what you have been dealt and turn it around for your good?Send your questions or comments to podcast@coachchris.com.au

In this third interview with people from within our community who have found themselves in the Covid Money Pit and survived, we speak to Julie a hairdresser who lives in South Australia. Such a great conversation and as usual, Chris has come away feeling inspired and uplifted seeing that if we are willing to take stock and learn from life's experiences - we can rise above and come out better than we went inLet us know if you have a covid money story - we would love to chat with you and you too could be interviewed on the podcast Contact us at podcast@coachchris.com.au

Continuing our series on interviewing those in our community that have been affect by the disruption of Covid 19 In this interview, Chris speaks with Mark, a local business man who has not only survived this unstable time but is rising above itIf you have any questions or comments please email us at podcast@coachchris.com.au

This is the first in our series of interviews with everyday people who have faced the disruption of income and work and have found a way to rise above.In this interview, Tracy, who lives in Melbourne, tells of how she and her family have been affected by the many lock downs in their area, their loss of income, jobs and how they have personally risen above and come out still thankful.Tracy is an inspiration and there is much to learn from what she says - a true Covid Money Pit Survivor!!!

Have you noticed how Covid has impacted us! For many of us our lives have been restricted to staying home and we have lost many of the freedoms that  we once enjoyed. Well after having her own holiday cancelled due to an unexpected lock down - Chris decided that it was about time she faced this Covid monster and find a way to climb out of the Covid Money Pit that we have been forced into.This is an introduction to what you can expect from this new season.If you want the opportunity to tell your story of how you have coped during this restricted season then email us at podcast@coachchris.com.au - we'd love to tell your story so that others can be inspired!!

After realising that retirement is moving closer than ever, Chris pondered the question of what she would teach her 20 year old self so that she was prepared for today.If you've ever wondered how you can prepare for tomorrow, today - This podcast could well be the starting point for a successful financial journey.We would love to hear your comments and the lessons you would teach your younger self concerning money  email us at podcast@coachchris.com.au

In this episode Chris discusses the pitfalls of anticipating the annual tax refund and gives you some tips for avoiding that. Along with what to claim and what not to claim and the specifics of this financial year she also shares her dilemma of how long are we supposed to keep our tax records??Some links from today's podcast:Tax offsetsWorking from Home  Enjoy! and if you have any questions send them into: podcast@coacchris.com.au