Ladies Finance Club - Get Rich

When we talk about tax, it’s very easy to switch off and think of last night’s episode of The Bachelor but not anymore! On the episode today we’re chatting to Helen Francis, Principal Accountant of Ty Francis. Helen’s on a mission to make talking tax a lot less boring and a little more sexy.   In our conversation, we talk about how tax confuses so many of us and the biggest mistakes she sees ladies make with their tax return.   Helen explains the tax dates and how these vary depending on your circumstances. She also runs us through the things we don't need to tell the tax man about and when that side hustle of yours is and isn’t considered to be a hobby for tax purposes.   Helen lets us know what we can and can’t claim (and what people try and get away with claiming!). She also explains home office expenses and that all-important question of capital gains tax around investments! This part is so helpful if you’ve been making those dollars on your investments in the last financial year. Helen also cautions where things can get complicated with dividend re-investment plans and her recommendations around record keeping if you’ve got that happening.   We also cover how we actually legally reduce our tax bill (keyword being legally!). Helen runs us through superannuation and the benefits of voluntary superannuation contributions, as well as that advantageous but damn hard option of negative gearing.   Helen also explains the medicare surcharge and the key point you need to know if you’re in a couple. Also, if you’re not sure how things work with HECS, Helen gives us the lowdown!   We also chat about email hacks to deal with that Sunday night email anxiety - life-changing!   Ladies, I feel like an absolute tax guru after this chat - I know you will too!   CONNECT WITH HELEN:   Instagram:    @taxmermaid_ CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don’t work in finance) about how they invest their cashola.   Today, I’m chatting with Ellie - @thelady.fire about how she first dipped her toe into investing, why it’s important to know your fees and how the FIRE movement (Financial Independence Retire Early) drives her.   Ladies, you don’t need tens of thousands to invest - Ellie shows how investing is absolutely achievable!   Resources mentioned: CONNECT WITH ELLIE:   Website:    https://theladyfire.com/   Instagram:    @thelady.fire CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Are you someone who’s good at setting goals? If you’re not, maybe it’s just because you don’t have the right process in place. On today’s episode, I talk to Briony Benjamin all about how to become a GOAL-GETTER. She talks us through her awesome process of how she sets goals.   Also! You might hear some similarities in our voice (and last name) - Briony is my sister! But she’s not just that, she’s also an international speaker, author and viral video maker.   Bri runs us through her background which includes a commerce degree, film school, founding a speech and drama school, and creating viral videos with Mamamia. She also reveals what it felt like to face a shock cancer diagnosis in her early thirties and talks about her first book Life is Tough, So are You which documents the most important lessons she learnt on this journey.   Not only is Bri great at kicking cancer’s butt, but she is also VERY good at setting goals.   Bri talks us through why the goals we set fail and the things that we can put in place to transform them from dumb goals into SMART goals. She reminds us to not be too ambitious (don’t go from zero to hero ladies!) and that mindset is key.   Bri talks us through the goals she sets, how to review your goals for optimal results and some reflection questions that will help craft the ultimate goals for the coming year.   Bri helps direct your goal setting with some great categories you can make goals in - financial, personal development, relationships, work career business, health and fitness, emotional and mental health, time, contribution to community, fun and holidays.   We also talk about vision boards, scheduling, ta-da lists, and how a photo album can transform your gratitude practice.   You are going to love this chat and I’m so excited for you to hear about how Bri uses goals to craft her best life! Resources mentioned: Tony Robbins quote Ladies Finance Club free resources Project management software monday.com Career And Confidence Vision Board Kit - Shannah Kennedy PepTalkHer Kemi Nekvapil - The Gift of Asking Soulara CONNECT WITH BRIONY: Website:    https://www.brionybenjamin.com/   Book:        https://www.brionybenjamin.com/book/   Instagram:    @briony_benjamin   CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals about how they invest their cashola.   Today, I’m chatting with Jessica - @leungway about all things ETFs and how getting into investing is easier than ever.   Let’s get ETF savvy! CONNECT WITH Jessica:   Instagram:    @theleungway   YouTube:    https://www.youtube.com/channel/UCTnmby77jIoz6GLQevjmVQQ CONNECT WITH LADIES FINANCE CLUB   Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

This episode is about one of my favourite things - why you need to set up an OMG fund, aka emergency fund, rainy day fund, and f***off fund (we explain why!). Lana our COO is on board for this episode and we step through everything you need to know about an OMG fund.   We start off with - what is an OMG fund? Quite simply it’s money you keep in a separate bank account that you only use in emergencies. It’s your new safety net and sits in cash.   Why do we need an emergency fund? Well, if COVID taught us anything,  it was that random shit that you’d never expect to happen happens!   We play a fun game called emergency vs. non-emergency and explore all the times when it IS ok and NOT ok to spend your OMG fund! Mental health and physical well-being are definitely reasons for dipping into your OMG fund.   The steps to open an OMG fund are simple. I step you through how to do this, including tips on how to set that emergency cashola saved up. There are so many creative ways you can make extra cash on the side - we run through those too. Where there’s a will there’s a way. Remember this is short-term pain for long-term gain!   We also talk about our own emergency funds and when we’ve needed to use them recently. The beauty of an emergency fund is that it relaxes you, gives you peace of mind and means you can get on with your life when emergencies come along.   Ladies, you’ve totally got this! This is your first step to creating a strong financial future.   Resources mentioned: Ladies Finance Club Free Resources Fiverr Upwork The Right Fit TRIBE Vamp   Previous episodes mentioned: Kill Your Bills with Joel Gibson   CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don’t work in finance) about how they invest their cashola.   Today, I’m chatting with Tash - @tashinvests about her epic money mindset, her biggest investment mistake and her personal investing strategy.   Ladies, you don’t need much to get started! CONNECT WITH TASH:   Website:    https://tashinvests.com/ Instagram:    @tashinvests Twitter:        https://twitter.com/tashinvests CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website:    https://www.ladiesfinanceclub.com/ Instagram:    https://www.instagram.com/ladiesfinanceclub/ LinkedIn:    https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

My guest today is Joel Gibson, the author of Kill Bills, a money saving expert, columnist and Campaign Director at One Big Switch. His motto is to save as much as you can on the boring stuff so you’ve got money to spend on the fun stuff. So, if having more money to spend on fun sounds like your kind of thing, tune in to hear some insider tips and tricks for paying less on your bills.    In this episode, Joel gives us the run down on why the cost of everything from lettuce to energy bills has increased and he shares his top hacks for minimising what you spend on household bills, groceries and petrol.    In his book, Joel shares 9 different areas to master to become a money saving ninja, and today he shares some great advice on a couple of these areas, including how to negotiate your bills, and why you should be ruthlessly disloyal.    The cost of living is on the rise, but with Joel’s hacks, he assures us that we can save hundreds, if not thousands of dollars in a matter of minutes. Stay tuned to the end of the episode where Joel and I play a game of yay or nay, talking about everything from Uber Eats to credit cards.    We’d love to hear about the savings you find after implementing Joel’s money-saving hacks.  CONNECT WITH JOEL GIBSON LinkedIn: https://www.linkedin.com/in/joel-gibson-29939354/ Book: Kill Bills CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!  Every week we chat with gal pals (who don’t work in finance) about how they invest their cashola. Today, I’m chatting with Sarah - @collectedinsight who shares how she got started investing, and what that has looked like for her. She mentions the dreaded “analysis paralysis” that stopped her from investing earlier, and where she’s at today! CONNECT WITH SARAH Instagram: @collectedinsight Wesbite: collectedinsight.com CONNECT WITH LADIES FINANCE CLUB Join our free Facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

I’m chatting with an absolute rockstar in the women’s finance world today, Effie Zahos. Effie is the Editor-at-Large at Canstar, one of Australia's largest financial comparison sites and has more than two decades of experience helping Aussies make the most of their money. I know you’re going to get so much value from this conversation as Effie shares her tips and insights on how to give your finances a money makeover.    Effie Zahos regularly features on Channel Nine’s Today Show as a money expert, and has written a number of books that we love here at LFS, including A Real Girl’s Guide to Money and Ditch the Debt and Get Rich. In her fun and casual way, Effie helps others makes the most of what they have and it’s such a delight to have her on the show today.   In this episode, Effie explains the five money personalities and how understanding your money behaviour can help you put measures in place to curb impulsive spending, save more and really make your money work for you.    We talk about the marketing mind games that get played on us, common mistakes Effie sees people make with their money and some of the biggest lessons she has learned personally when it comes to money. Effie also shares her thoughts on why it’s so important for women to start thinking about investing and building wealth. If you’re ready to take action on your money makeover, Effie shares her expert advice and tips on what to do first and it’s all about keeping it simple. Small consistent things every day will go a long way to transforming your money game! RESOURCES MENTIONED: Super Calculator   CONNECT WITH EFFIE ZAHOS Instagram: @effiezahos/ Twitter: @effiezahos Books: Ditch the Debt and Get Rich & A Real Girl's Guide to Money   CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.

Welcome to our Girls Just Wanna Have Funds mini-episodes!    Every week we chat with gal pals (who don’t work in finance) about how they invest their cashola.   Today, I’m chatting with Aleks - @brokegirlwealth about how she got started investing and broke through those beliefs she had about how “hard” it was to invest.   It doesn’t have to be hard ladies! Dive in and give it a go. CONNECT WITH ALEKS Podcast: Big Swinging Stocks Instagram: @brokegirlwealth TikTok:: @brokegirlwealth CONNECT WITH LADIES FINANCE CLUB Join our free facebook group - Ladies Finance Club Money Chat   Website: https://www.ladiesfinanceclub.com/ Instagram: https://www.instagram.com/ladiesfinanceclub/ LinkedIn: https://www.linkedin.com/company/ladies-finance-club/Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfcSee omnystudio.com/listener for privacy information.