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

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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

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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:

• 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

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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:

• 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

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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:

• 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

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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

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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

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https://www.instagram.com/hermoneysworth_/

Tik Tok:

https://www.tiktok.com/@hermoneysworth?lang=en