Her Money's Worth

There's a million ways we can save and make money but sometimes I just cannot be bothered with them... and sometimes I don't think you should bother either.

In todays episode I talk through 5 things that I don't think are worth your time or energy when it comes to saving or earning a $.

Today we talk:

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As the title may suggest in today's episode we are going to be exploring 6 reasons why you should be sorting your money out and getting on top of your finances. If you've been sent this episode by a loving family member or close friend I hope you find one of these reasons compelling enough to start taking your money management seriously, building an emergency fund or even to begin investing and building long term wealth.

This episode was inspired by one of our book club books from 2023, Strong Money Australia by Dave Gow, so some of the points dive into financial independence territory but there is still something for everyone in this ep!

Today we talk the key motivators for being financially savvy including:

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This episode is inspired by my most recent realisation that I can actually top up my Myki (travel card) with more than $10 at once! Who knew? BUT this made me think about many more ways I can make my life feel just that little bit more luxurious.

In todays episode I talk through 10 things that you can start implementing today to make you feel richer and elevate your life- without really spending anymore money.

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In today's episode we ask the question "is life really too short to worry about money"? Spoiler: you can probably tell that my opinion is that it's never too early to start making smart money moves and thinking about the long term.

Do we actually want to be worrying about money though? Absolutely not! But that is why the earlier we start being strategic with our finances the more we can enjoy life today AND tomorrow!

In this episode I talk:

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Want to get promoted or land a pay-rise at work? In this episode I discuss everything I did to get promoted after only 6 months of working in my chosen career. This episode outlines easy to do, actions that you can start applying at work as soon as tomorrow. Right now, working to land a promotion and/or a pay-rise could be extra important as we battle the cost of living and inflation.

So learn today how to make small positive changes in your 9-5 as this could be the most beneficial thing you do to increase your earning potential this year!

In this episode I talk:

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Your HECS-HELP debt is attracting indexation of 7.1% on June 1 and you want to know whether you should pay it off early right? You and everyone else!

In today's episode I talk through some of the reasons for and against making voluntary payments and answer community questions about their student debt.

Today we cover:

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Struggling with overspending on clothes? Today we're talking about how reflecting on your style can actually help you to save heaps of $$$ over your lifetime.

Today we're talking:

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Today it's BOOK CLUB and we are zooming in on 4 lessons we've learnt from our second book of the year and it's "Strong Money Australia: How to gain financial independence and gain a life of freedom" by Dave Gow. 

This book covers the core ideas behind FIRE and financial independence and in today's episode we're diving into 4 unique and interesting perspectives from our March/April book.

Listen to the episode to find out the next book we'll be covering for May/June. HINT: it's a great one for you if you're interested in making the most of your life and money at every single stage from your twenties to your sixties!

Find us on socials to tell me what you loved from the book!

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Wish you always had a bank account full of money to say YES to that next girls trip? Today we're talking about how to guarantee you always have a fund of money available for holidays, pet expenses, shopping or even just boring bills!

Today we're talking:

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The number one thing that I attribute to success when it comes to money goals is the concept of "paying yourself first".

You might think this sounds risky but today I explain why paying yourself before paying any of your bills is one of the best mindsets and strategies you can adopt.

Today we're talking:

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Today I'm exposing myself and sharing with you 3 of the biggest mistakes I've made with money in my 20s. I'm sharing what I've done wrong so hopefully you can avoid it and learn from my mistakes!

In todays episode we cover:

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If you're anything like me, you probably value freedom and peace of mind in your life? This is why you NEED a fuck it fund. It will help you avoid emergencies, take risks and prioritise freedom, change and choice in your life.

Given this, today we're talking realistic emergency funds, why you need them, how much you need and where you should stash the cash.

In todays episode we cover:

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Interest rate on your home loan just going up and up? Well this episode is for YOU. In today's episode I'm going to talk you through how you're going to save hundreds if not thousands of $$$ per year by making just ONE phone call.

I get it, you're nervous to make the call and frankly have absolutely no idea what to say. Don't stress because this episode is going to take you through step by step exactly what you need to do and say to get a rate review in just one phone call.

In today's episode we talk:

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I've got a confession to make... I've been feeling really shit about money lately! And for someone who shares how I manage money, this has raised some serious feelings! Truth is, it doesn't matter how good our money management is, we can't be perfect or feel great about money at all times. 

Join me for a candid chat today where I open up about how I'm going with money in 2023 but also share some some helpful tips and mindset shifts for how we can overcome these types of feelings! 

In todays episode we cover:

Find us on socials and tell me if you've been feeling a bit crap about $$$ too (it will make me feel so much better)!

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Hello and welcome to another episode of Her Money's Worth!

I'm a HUGE advocate for spending less on the boring stuff, so that you can spend more on the fun stuff. Given this, in today's episode I'm talking about 2 ways that you can spend WAY less on your mobile phone bill. 

In todays episode we cover:

Find us on socials to tell me what boring expenses you're saving on in 2023! 

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Welcome to a special episode of Her Money's Worth! 

Today it's BOOK CLUB and we are zooming in on 4 lessons we've learnt from our first book of the year and it's "Live the life you want with the money you have" by Vince Scully. 

Although this book covers some fantastic basics of personal finance, in today's episode we're diving into 4 unique and interesting perspectives from our Jan/Feb book!

Listen to the episode to find out the next book we'll be covering for March/April. HINT: it's a good one for you if you're interested in living life on your own terms and using money as a tool to achieve this. 

Find us on socials to tell me what you loved from the book!

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Hello and welcome to another episode of Her Money's Worth!

As far as the finance world is concerned, 2023 is already off to a crazy start! Given this, in today's episode I'm talking about how to survive 2023 financially!

You've probably already noticed that everything is getting more and more expensive and this is because it is! I know I've been feeling the pinch on my wallet for a while now and you may have been too! To help us move through periods like this we need to focus on developing different skills and be aware of optimal ways we can manage our money! In this weeks episode I discuss some things we can work on this year and some strategies we can take into the rest of our lives to help us when times are a tough! 

In todays episode we cover:

Find us on socials to tell me what you got from this episode and what you're going to be negotiating in 2023! 

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Hello and welcome to another episode of Her Money's Worth!

This episode continues on from our chat last week about my property buying journey! This week however, we're focusing on how to save the deposit FAST!

You might feel like saving the deposit for a property is going to take you years and years... and honestly it can take a while! But in this episode I'm sharing how I managed to save my deposit within a year and a half and how you can save quickly too. I share my top 5 tips to save the deposit fast without having to sacrifice your entire social life & daily coffee! 

In todays episode I chat:

Find us on socials to tell me what you got from this episode and how fast you're trying to save for your deposit! 

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Hello and welcome to another episode of Her Money's Worth!

Today I am spilling the details on my journey to buying a property in Melbourne at only 26 years old! 

Looking at buying your own property soon? In this episode I'll dive into the journey of buying my own property in hope this will help you on yours. Whether you're looking for an investment property or a home to live, this candid chat will help you get an idea of the process and potentially get you thinking about whether buying a property is actually for YOU! 

I speak honestly about my beliefs on property before buying and my beliefs now... Spoiler: they've changed a lot and may be a little controversial! 

In todays episode I chat:

Find us on socials to tell me what you got from this episode and how it's changed your thinking!

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Hello and welcome to another episode of Her Money's Worth! 

So everyones always telling you that money can't buy happiness right? Well I disagree...kind of. 

It might be true that you can't actually exchange cash for the emotion of happiness, BUT there's a lot of things that money can afford us that have a huge impact on whether or not you feel the emotion of happiness more regularly. 

In todays episode I chat: 

Find us on socials to tell me what you got from this episode and how it's changed your thinking!

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Hello and welcome to another episode of Her Money's Worth in 2023!

This episode is going to talk you through 10 financial habits that I think you should adopt and continue throughout your life to ensure that you have financial success! These 10 habits are things I've been doing for years now and have found them to have the biggest impacts on achieving my financial goals. By implementing these habits into your routine you'll ensure you continue to do the right things with your money even when you don't feel like it. 

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Hello and welcome to the second episode of Her Money's Worth in 2023!

Are you keen to start 2023 strong and smash your financial goals? Obviously you are and this episode is going to step you through doing exactly that! 

Today's episode continues on from the reflection we did in last weeks episode (so if you have time go back and listen) and steps us through a clear process to ensure we meet all of our financial goals in 2023!

So, join me for this episode on setting specific goals as I take you through my 4 step process on goal setting! 

By spending just a little bit of time setting yourself up for success this year and ensuring the right systems are in place, you are going to give yourself a much higher chance of reaching your goals!

Grab a pen and paper and let's go!

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Hello and welcome to the first episode of Her Money's Worth in 2023!

Are you keen to start 2023 strong and smash your financial goals? Obviously you are! But before we get there, just hold on a second as there's something super important we need to do first...

You may have listened to other episodes about reflection but here's what I chat about that might add a different perspective for you. In this episode I explain that you need to: 

So, join me for this episode on reflection as I talk you through this crucial time to look back on the year that was. By spending a little bit of time diving into your experiences over the last twelve months you'll give yourself a much higher chance of reaching your goals! 

Today in this episode you'll have 3 important questions to ask yourself before we set specific goals together next week. Grab a pen and paper and let's go! 

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Hello and welcome to another episode of Money & Motivation!

I am so excited you're joining us for another episode of Season 2! This second part episode is set to again be a VERY relatable one for all of us.

Are you keen to get saving and investing but can't seem to find any spare money?  Well, you might have some budget killers in your life that are sucking up your extra money! In this episode I talk you through how to be more mindful with our spending in our 20s, 30s and beyond! We explore our spending on the second set of budget killers including keeping up with trends, Uber eats, exercise and not having a budget in place!

Even if you're a pretty good money manager, this episode lifts the lid on some of those expenses which stop us from reaching our goals, when they often go unnoticed or feel non-negotiable. You can use my tips and tricks to tweak your spending whilst still living life and reach those important money goals too!

This is Part 2 of this mini series so if you haven't listened to Part 1 please go back and check out our first four budget killers! 

Happy money management!

Love Olivia xo

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Hello and welcome to another episode of Money & Motivation!

I am so excited you're joining us for another episode of Season 2! This episode is set to be a VERY relatable one for all of us. 

Are you keen to get saving and investing but can't seem to find any spare money?  Well, you might have some budget killers in your life that are sucking up your extra money! In this episode I talk you through how to be more mindful with our spending in our 20s, 30s and beyond! We explore spending on the first four budget killers including cars, cocktails, events and not having that precious emergency fund at the ready! 

Even if you're a pretty good money manager, this episode lifts the lid on some of those expenses which stop us from reaching our goals, when they often go unnoticed or feel non-negotiable. You can use my tips and tricks to tweak your spending whilst still living life and reach those important money goals too!

Happy money management! 

Love Olivia xo

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Hello and welcome to another episode of Money & Motivation!

I am so excited you're joining us for another episode of Season 2!

Are you keen to get started investing but are unsure what step you need to take first? Well, the first step to actually start investing is picking a broker and signing up for one! In this episode I talk you through what exactly a broker is and how to pick one. We explore the features of brokers, how they work and what exactly you need to do to find one! Even if you've started investing already, this episode could be helpful in identifying what you should be looking in a broker and if you want to switch it up!

Remember that Investing IS FOR YOU and this podcast will help simplify the process. Join me for this ep and get armed with the knowledge you need to be a confident investor in no time at all!

Happy investing!

Love Olivia xo

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Hello and welcome to another episode of Money & Motivation!

I am so excited you are here with me for season 2!

This episode is perfect for those wanting a bit more direction with their budgeting and tracking their finances to ensure they reach their big money goals! 

Do you earn good money but feel you could be achieving more with some direction? Or do you feel broke every week and wonder where all you money is going? Well, if so, this podcast is for you. Join me, as I simply break down one of the most popular budgeting methods and explain how this budget can be easily applied to your finances! In this episode, I also step you through exactly how to organise your bank accounts so this method works and keeps working for years to come. We also explore value based spending, living below your means and how to crunch numbers in parts of your life where you might be spending just a bit too much! A budget is for EVERYONE regardless of income and this podcast will show you why! 

Join me for this ep and get armed with the knowledge you need, to manage your finances confidently in no time at all!

Happy budgeting! 

Love Olivia xo

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Hello and welcome to another episode of Money & Motivation! 

I am so excited to be launching Season 2 with this episode. 

Do you want to make this year your year to start investing in the Stock Market? But you're worried about losing all your money or not knowing enough to get started? Do you think that investing is only for the rich or that you don't have enough money to get started? Well, if so, this podcast is for you. Join me, as I bust 3 of the most common investing myths and explain simply why they just aren't true! In this episode I clearly explain the myths, break down where they stem from and why they shouldn't hold you back from starting investing! We also explore diversifying risk and how to break down the barriers and just get started! Investing IS FOR YOU and this podcast will help show you how and why! Join me for this ep and get armed with the knowledge you need to be a confident investor in no time at all!

Happy investing! 

Love Olivia xo

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Do you want to make this year your year to start investing in the Stock Market? Are you confused about all the complicated jargon and think it's all just too hard? Well, if so, this podcast is for you. Join me, Olivia, as I unpack the basic terms used in the investing world and give you relatable, real world examples to help your understanding! This podcast will outline the most basic terms that you need to know and get you ready to start or continue on with your investing journey. Armed with the knowledge you need, you'll be a confident investor in no time at all! 

Do you want to take control of your money and try something new? Have you ever considered a no-buy year and how this might benefit you? Well, if so, this podcast is for you. Join me, Olivia, as I unpack the process for setting up a no-buy year and discuss the amazing benefits it can have on both your life and your finances! Don't stress, a no-buy year doesn't mean buying absolutely nothing and it doesn't have to be a full year! If you think you need to reign in some spending, this could be a place for you to start. During this podcast I will outline the specific steps you can take to set up a no-buy period and give you some ideas to tailor it to your own values! 

Do you want to take control of your money this year and achieve big money victories? Well if so, this podcast is for you. Don't stress if you still haven't set any money goals this year, you can begin this process any time! So join me, as I unpack the easy process I use for goal setting! This podcast will outline the specific steps you can take to set any financial goals and to suit your lifestyle and money journey. By the end of the podcast you will have set 1-3 goals and be on your way to achieving them. 

So you want to save a bit more money but you're not sure how or where to start?  This podcast is for you. Join me, Olivia, The Motivated Millennial and find out seven things that I have stopped doing or seriously reduced to save money! Also, join us for a new segment where I recommend one resource that you can get stuck into to continue your financial literacy journey and further your education. 

So you're on your investing journey and want to know how to control your emotions in response to it? This podcast is for you. Join me, Olivia, The Motivated Millennial and find out how I control my emotions and allow my investments to continue to grow!

So you've decided you want to start investing and now you've found room in your budget? This podcast is for you. Join me, Olivia, The Motivated Millennial and find out the exact steps I take to invest my money into the Stock market. 

Looking to save money within your budget but unsure where to start? Looking to start investing but you're unsure where the extra cash is going to come from? Well did you know that the best way to reduce your spending is to actually focus on reducing your reoccurring expenses rather than missing out on your daily oat latte. Good news right? So if you're keen to save without missing out on those small luxuries then this podcast is for you. Join me, Olivia, and find out how you can save money on your daily expenses without missing out on life!

Looking to start your investment journey but are unsure whether you should start with shares or property? This podcast is for you. Join me, Olivia, and take a listen to my pros and cons for both shares and property. 

Have you ever wondered why people bother investing? Wondering what could be in it for you? Or are you just tired of your savings account only earning you 0.33% and want to see how you can get a better return? This podcast is for you. In this episode we discuss why investing is so important for EVERYONE and how it can really change your life. Join me, Olivia and discover 4 key reasons that you should be investing NOW!