Her Money's Worth

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 Find us on socials: IG: https://www.instagram.com/themotivatedmillennial_/ Tik Tok: https://www.tiktok.com/@themotivated_millennial?lang=en

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 Find us on socials: IG: https://www.instagram.com/themotivatedmillennial_/ Tik Tok: https://www.tiktok.com/@themotivated_millennial?lang=en

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!

A much requested episode with some crucial tips for being able to manage the challenge which is an inconsistent income or how to make the most of every dollar you're getting from your side hustles! Listen today as I chat about: Knowing what it costs to live your life How to structure your bank accounts Why you need an emergency fund Avoiding credit cards and being hands on with your money Having back up ways to increase your income Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Surveys and other side hustles Taking toll roads Keeping rubbish in your house Selling your unwanted items Supermarket rewards and frequent flyer points Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: The desire to change jobs, take a break or not trade time for $ Your level of vulnerability to economic shocks Prioritising family and the potential for illness or emergency The psychological benefits of having solid finances Being able to pursue work you love or volunteer without considering $ The chance of losing your job Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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. Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Why we need to stop telling people "life is too short to worry about money" Impactful saving and investing examples How long our life actually is Why starting earlier can have such a big impact Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: What time you should arrive and leave work Being positive and solution focused in the workplace Not burning out Whether you should say "yes" and take on extra responsibilities NEVER eating lunch at your desk Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: What actually is HECS-HELP debt and how it works Reasons for making early voluntary contributions Reasons against making early voluntary contributions Q&A about HECS-HELP Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Why and how finding your style saves you money Questions to reflect upon to help you work out what to buy Shopping rules to put in place to support you Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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! Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Always having money for fun How to set up sinking funds Why this strategy is for everyone Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: How "paying yourself first" will help you achieve your money goals Putting this into action without a budget or spreadsheet How to set and forget your saving and investing goals Find us on socials: IG: https://www.instagram.com/hermoneysworth/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Spending money on holidays and special occasions Thinking long term early Credit card use Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Why emergency funds create freedom for you How much you need Where to stash your emergency fund What to do if you don't have an emergency fund and an emergency hits? Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: How to prepare to make the phone call to your bank Exactly what to say when you are on the phone The next steps to take if you get a rate reduction or if you don't Find us on socials and tell me how much of a rate reduction you manage to secure: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: The increase in the cost of housing in 2023 Casual work and variable income Money management systems  Money mindset and staying focused on long term success  Not going into debt and where to get help 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)! Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en

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: Why having a paid off phone is better? Refurbished phones Long expiry sim plans  Find us on socials to tell me what boring expenses you're saving on in 2023!  Find us on socials: IG: https://www.instagram.com/hermoneysworth_/ Tik Tok: https://www.tiktok.com/@hermoneysworth?lang=en