The Property Couch TPC Gold | How to Reset Your Money Habits for the Surplus Challenge
Dec 30, 2025
As the new year approaches, many seek financial clarity but often face challenges. The discussion highlights the contrast between intentional wealth and unconscious spending, emphasizing how lifestyle creep and hidden subscriptions can drain surplus funds. Listeners learn the importance of tracking spending and assigning jobs to their dollars for smarter financial decisions. Additionally, Ben outlines how to use surplus to invest in appreciating assets and introduces an upcoming webinar to further explore these concepts.
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Lifestyle Creep Is A Hidden Trade-Off
- Lifestyle creep quietly consumes pay rises when decisions aren't framed as trade-offs.
- Framing every dollar with a job reveals the true cost of casual splurges and protects future wealth.
Cancel Subscriptions You Rarely Use
- Ben uses his own Kayo subscription as an example of a 'set and forget' service he rarely uses.
- He suggests cancelling during low-value periods and reactivating when you get the most benefit.
Pay More Than The Minimum On Debt
- Avoid making minimum repayments on credit products; pay extra to reduce interest and loan term.
- Use cards with offset strategies to get rewards while paying no interest whenever possible.