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24.01.2022 September Kick-starters, we are almost halfway there!!!! All the work you’ve put into identifying your goals, getting clear on your values and purpose, challenging your money mindset over the last few weeks has got us to the point of creating that bespoke money management plan that will set you up to achieve those goals. Get ready to finesse your money management skills, automate the crap out of your money systems and start mapping out the *how* of your plans now the *why* i...s on paper. PS if you missed the September intake and want to join us in October or, if you’re curious, here's the link to learn more: https://moneymode.com.au/kickstart/

24.01.2022 Doing as much of this as I can today. That’s just one of the crazy things about motherhood, being so ready for them to go to bed at the end of the day but missing them when you put them to sleep? After being together day after day, I’m missing my two as the routine starts to kick back in. YES, I was completely ready for daycare and kinder - the quiet, and the ability to finish a thought but still miss ‘em.

22.01.2022 Retail therapy. We have all been guilty of it at one point or another, or falling into a "shopping coma" at our favourite store, the feeling that we need to reward ourselves with that "thing" or make ourselves feel better with that, but why? That's what we're talking about this week on Savvy Mumma with Jane Monica-Jones, [Australia's leading Financial Therapist & author of The Billionaire Buddha aka Financial Wellbeing]. ... It's a complex subject BUT one we all need to discuss because so much of why we do what we do when it comes to money is wrapped up in our self-esteem, our history with money [aka our money story], our self worth; simply put money is emotional and it's time we start seeing it as a mental health component vs something we should never talk about. There is so much emphasis on the practical side of money when it comes to financial literacy but as Jane says, "knowing something and doing something are worlds apart". So how do we acknowledge our emotional ties to money and create better habits around it? Might what to hop on the link below and find out. Episode 10 of Savvy Mumma, The Emotional Side Of Money, is up and it'll change the way you see money. https://omny.fm//savv/financial-therapy-jane-monica-jones

21.01.2022 Ready? Don’t ignore your super. That’s it.... Ok, let me elaborate. Super is not a pot of gold at the end of your working life, super is an investment. It’s your investment. Say you’re in your 20’s or 30’s, retirement seems years away but seriously, once you start taking into the account time out of the workforce or reduced income when you have children, the pay gap that exists between genders there is every chance that your super will not be of the same size as your partners when it comes to retirement. Understanding what super is and how you can make it work for you now could make all the difference when the time comes for you to step out of the workforce so.. don’t ignore your super. #besuper

20.01.2022 I always knew that I wanted to do money differently when I was in the corporate world but when I stepped out for a minute on maternity leave with my first child and started talking with girlfriends who were at a similar lifestage I knew change and/or an alternative was desperately needed in the finance space. We had gotten ourselves in a good financial position for maternity leave, we had carefully planned for it, but I saw that for some of my girlfriends the mat leave experi...ence was entirely different; there was stress and pressure to get back to work to maintain the lifestyle they had built pre babies. All of a sudden we were having conversations about mortgages and childcare fees, tax breaks when we should have been enjoying our early days of motherhood. It wasn’t lost on me, as a finance professional, that when it comes to money so much of the information is geared towards men rather than women meaning so much of the advice out there isn’t landing where it should. And that’s why Money Mode, why Savvy Mumma, why Kick-start. I wanted to help demystify money for women, to make information more accessible and easier to digest. We have to do money differently and I’m determined to contribute knowledge and voice to the change. #financialliteracy #financialindependence

20.01.2022 So perfectly simple and yet so beautifully TRUE! Imagine if you used your time spent surfing the net dreaming about your ideal holiday/house/car/*insert any of those one day, if I had more money things* and instead spent that same amount of time on a strategy to make them happen. That’s what financial planning does. It puts a plan in place so you’re in a position to obtain and make real all those dreams.

19.01.2022 One quick tip to start the week? Don’t pay for what you don’t need. Got a subscription to an online magazine you never read?... Do you need every single streaming platform? What about that app you downloaded to do the thing? Unsubscribe, unsubscribe, unsubscribe. Eliminate those non-essentials so no further money goes to waste and if you haven’t noticed the expenditure could it be put to better use in your financial plan?

19.01.2022 Beyond excited to be talking about the pitfall of the buy now, pay later trap over on Olivia White - House of White and yes... it is a trap!!!!! It encourages overspending, impulse buys and can even impact your ability to secure a home loan. Jump on and have a read if you're an Afterpay type service user or if you've been tempted to dabble. Massive thanks to Olivia for having me on the blog. I'm not going to lie, I've been an avid reader and follower for sometime so it means ...a whole lot to be able to contribute to something I value and enjoy. #itsatrapitellsya http://houseofwhite.com.au/the-afterpay-trap/

19.01.2022 I couldn’t be prouder to be a Mum and find Mother’s Day an incredibly special one . These two beautiful little souls have changed my life in so many wonderful ways. Ways I could never have imagined before having kids. The amount of joy these two bring is totally precious and priceless. ... But I have to admit the responsibility of motherhood is confronting at times - I have many days where I question if I’m doing a good job, if I’m perhaps too relaxed with them or not relaxed enough, if I’m present enough and spending enough time with them and the list goes on....it’s a huge role to play! The Mum #juggle is a seriously real challenge, I feel torn so often between investing time in my own business and making that a success and attempting to enjoy every moment with these two, not wanting the time to go too quickly. Life with these two has taught me so much about myself and what is really important in life. Patience is something I have to surrender to on a daily basis. When I’m not at my best and taking care of myself, I see the ripple effect on these two. One of the biggest things I’ve learnt to do is throw judgement out the window. We are all doing our best! Above all I feel totally blessed, totally lucky and grateful that my journey to have these two was relatively straight forward (if we dismiss the hurdles of Billy’s first few months of life that is!!) because I know how hard it can be to have a healthy baby through the suffering of some in my circles . To all the Mums, the Nanna’s, the aunties, the step mums and the friends in our village who raise us up and support us. Happy Mother’s Day to you all

18.01.2022 You’ve no doubt heard me talk about goal setting because setting goals underpins so much of my financial advice from my one-to-one clients to stand alone actionable pieces of the money puzzles like budgets - how do you know what you’re working towards without have the end in mind? You’ve probably also heard how important it is to celebrate when you make steps towards achieving those goals and tonight, I want to celebrate a couple of my goals with you. SO, this year was my fir...st year back from maternity leave after having my second bay. During mat leave the thoughts around how I could make a difference in the financial space with Money Mode and how I could start pushing against those boundaries women face when it comes to understanding their money and being in control of their money were bubbling away. I set myself a few first year back goals and slowly but surely, I’ve started ticking them off: I wanted to deliver an affordable online course that addressed not only the how to’s when it comes to money but also the why’s. Enter Kickstart. We did three rounds of Kickstart this year and I got to meet that many interesting and passionate people, ready to take control of their money. I wanted to deliver information in easily available and digestible pieces. Enter Savvy Mumma Podcast. New in my wildest dreams a thousand years ago when I started in the finance space to I ever think I’d wind up presenting a podcast and yet season one is live and season two is warming up as we speak [PS, if you’ve got anything you’d like to get your head around when it comes to your money, let me know!!!] I wanted to show up here on socials and start building the Savvy Mumma community as a place where we can connect and have open, judgement free conversations about money as mums. Enter the Savvy Mumma Facebook Group. It has been such a massive year this Mumma and I’m filled with so much gratitude for your support. You have helped me fulfill each of those goals. You’ve tuned in, joined, liked and shared and I’m so grateful that we have met each other. All I can say is look at 2021 because, I do goals and I’ve got a whole heap set for the second year back from mat leave.

18.01.2022 Vale Ruth Bader Ginsburg. #changemaker

18.01.2022 Keeping the bigger picture in sight. That, my friend, is what financial planning is all about. It’s about identifying the goals, or life events, or non-negotiables and then having your money make them happen for you. I want to own my own home. ... We want to take a year out of work to travel around the country with our kids. We want to retire with a passive income of xx by age xx. And how do you figure out those goals and non-negotiables? You go back to your values and purpose and THAT is what Kick-start is about; understanding the things you value in life so you can make goals and put your money to work making them a reality. It’s about keeping your eyes on the big picture whilst taking the ‘everyday’ baby steps to get you there. Want to get the foundations in order so you can take control of your money? Our next $275, six week online Kick-start course starts October 19. Here's the link if you’d like to understand more or flick me a DM if you like: https://bit.ly/KickStartinOctober

18.01.2022 Oh Melbourne Mummas, School is almost back for some of you!! How are you feeling? A bit weird?... I’ve got to say, after being out of daycare for so long, it’s a mindset shift.

17.01.2022 2021 starts for real for this little family this week. Back to work, back to care for the kids. Our holidays seemed to go so fast and I’m still amazed at how quickly last year went by, particularly given we were locked inside for most of it.... I’m looking at my little ones in disbelief, it’s though they’ve grown a head taller in the past month! Blink and you’ll miss it because time travels fast, extra fast in this family raising business it seems. Perfecting the juggle is something I’m going to work extra hard at this year. I’m going to do my very best to be present and soak it all in, that’s my challenge for 2021. #paceyourself

17.01.2022 Sitting in this today, knowing that having all the things isn’t what makes you happy.

16.01.2022 Q. Now what’s a financial planner doing quoting Dolly Parton in regard to purpose? A. Because for far too long we’ve viewed finances as simply wealth accumulation v the tool you use to live life on your terms. It’s why I stepped out of corporate life to create Money Mode; I wanted to bring a different angle financial advice. I wanted to have the conversions with my 1:1 clients that really matter - the kind that help the...m see their life plan and then see money as the tool that will help them live it out...and yes, of course we still talk wealth accumulation and all the strategies that will help you build wealth. It’s why I designed my Kick-start course. It’s time to take a holistic approach to money. It’s time to live your life, on purpose. #liveonpurpose See more

15.01.2022 This week’s Savvy Mumma podcast was a big topic but a conversation that absolutely needs to be started: Money in relationships. So much of who we are and our sense of self is wrapped up in our relationship with money and yet for some reason we’ve been told to never talk about it; you know, the old never talk about politics, religion or money. So if we’re never meant to talk about it, how do you know if you’re compatible with your partner, from a financial point of view? My... approach to talking about money with your partner is to talk about the things it enables you to do [your hopes, dreams, goals], the things that concern you [your fears] and all the things that shaped your perception of money [your deep-seeded belief system around money, which is your impressions from a young age, your values and your experiences]. Money is complex, because it represents so much more than the physical nature of the money. Peel back the layers and talk with your partner about the important issues, whether you’ve been together a short while, or a long while. So next time you quarrel about money, pause for a moment and dig a little deeper on what is the real issue that needs sorting out? If this is resonating with you, jump on and listen to Episode 10 and 11 of Savvy Mumma otherwise, I’ve put a blog together with tips on how to start the conversation which you can find here: https://moneymode.com.au/money-and-relationships/

15.01.2022 Kind of strange for a money tip, I know I know, but so much of what we do with our money is leveraged off the feelings we have around it and in my role I find so often those feelings are grounded in shame or embarrassment - the how did I get myself here-s or I thought I’d be in a different position by the time I hit x age-s. Money management is a learnt skill, so be kind to yourself. It’s not something we’re taught in school and somehow we’re meant to magically learn from... our parents then, if you’re in a relationship, our ability and ambition are meant to magically align and lead us to a pot of gold somewhere. We need to move out of the woulda-coulda-shoulda’s with our money and into giving ourselves permission to talk about money, to ask questions and learn more. May there be no shame in your money game because a big part of financial freedom comes from making the first step in changing our habits and how do you do that if you don’t know where to start? Make sure though, when you are making decisions about your finances, always seek independent professional advice and if you’re not sure what that looks like, my DM’s are always open. #moneytalk

15.01.2022 I don’t know about your part of the country but here in Melbourne, after living via online shopping for most of the year and seeing those delivery times blowout, urgency to get the Christmas Shopping done is creeping in. So tonight, I wanted to share a few tips to take the edge off, to insert a little calm because in the face of all the 2020 challenges I’m sure Christmas has been pretty much the last thing on many of our minds. Write a list. Grab the nearest used envelope ...and Write down everyone you’ve got to buy for and ideas on what you’re going to gift them. Set yourself a budget. This Christmas is not the usual Christmas, not with the financial fallout from COVID so work out how much to spend per person/gift and also factor in the other expenses that come with Christmas, such as food, decorations, travel, holidays etc. Be thoughtful It’s the thought that countsand who doesn’t love a heartfelt gift!? Think something made or created if you’re craftyeven photos used to create a framed print, a photo book or a gift of your time for babysitting, cooking, gardening for example. Consider buying local. Small business took a hit this year, by shopping local or staying local you’ll contribute to our local economy. Buying Australian made or produced [oh hello Aussie wines/lobsters/beef] will help the larger producers and manufacturers navigate an uncertain trade market. Use up all those reward points you accumulated throughout the year. Set spending limits with friends and family or better yet start a new Kris Kringle tradition. AVOID ‘BUY NOW PAY LATER’, future you will thank present you, trust me. No matter how late you may have left it, shop with some intent and structure and it will go a long way to helping the purse strings.

15.01.2022 Mindset. It’s the key to everything. It’s why we’re doing money differently at Money Mode, this is why Kick-start begins with why’ because finance needs a holistic approach.... So often we find ourselves on the treadmill of trying to accumulate money, or using other people’s highlights [aka what we perceive as their wealth looking in from the outside] rather than focusing on ourselves and what we want our money to do for us. Changing your attitude towards money by understanding a] your personal money story and b] your purpose and values is integral to building your financial plan, not this notion of whoever has the most toys wins. How can you put your money to work for you vs you working for your money? Flip the record. #mindsetshift

14.01.2022 Little help Melbourne Mummas. What a weird year. Never in our lifetime did we expect to be wearing masks and on lockdown for what, almost 6 months. ... It feels completely surreal when you put your head up after pushing through for most of 2020, so question.. are you doing anything to remember this time [like, um a time capsule or marking calendars] OR is this a time you want to forget? Image by @hyggeligphotography See more

14.01.2022 Had such a great time chatting with Mel on Kidspot's podcast The Juggling Act Daily. If you're looking for a few tips around your mortgage, have a listen. Thanks for having me Mel.

12.01.2022 Tomorrow is a big day in my world and in the world of so many Victorians. Tomorrow’s the day we’ll find out if that ring of steel around Melbourne is coming down. For me, personally, that means seeing my regional friends and family. I know so many of you have interstate and overseas family and I hope that opening up within our state brings us that much closer to opening up to the rest of the country.... It has felt a bit island within an island down here in Vic, don’t you think? Image by @hyggeligphotography See more

11.01.2022 Simply put, your goals need to matter to you. They need to be aligned to your why and your values. By giving them meaning you’re making it easier to stick to your original aim. It’s all well and good to say I’m going to save x number of dollars but why? It’s the why that makes the difference. It’s the *why* that will keep you motivated to obtain those micro goals-slash-milestones along the way.... #valuesandpurpose #butwhy

10.01.2022 I know, I know getting deep on a Sunday night but TRUE. I’ve said it before, enough of the woulda-coulda-shoulda’s when it comes to your money. Start today. Make small changes today. ... Then make another one tomorrow. And another one the day after that. Money is the facilitator, not the decider. Write your own ending. My DM’s are always open if you’re not sure what the first step looks like. #babysteps See more

07.01.2022 I so love this from James Clear. Goals are important but without putting the steps [aka the systems] in place they will remain a wish or an idea. The other day I talked about breaking your goal into micro actions or targets [e.g weekly or monthly] and creating incremental milestones [3, 6, 12 months] but how do you make if effortless and foolproof?... The key is to automate your money. This requires you to think about how you’re managing your money, including the way your accounts are set up. One of the fundamental steps is to create a budget, or as I like to call them a spending plan, that allows for not only all of your essential expenses but also lifestyle spending because if you don’t allow some personal spending money [aligned to what you value of course!] you will end up feeling deprived. Knowing your numbers will give you a really clear picture on what amount you have to put towards your goals [I have a freebie budget tool on my website: https://moneymode.com.au/free-download-budget/ - download it, use it]. The better the system, the less you have to think and do the more progress you will make. My DM’s are always open if you need a place to start. I’ve been a financial adviser/planner for over 15 years I LOVE a good system. I can help you tailor an individual plan or for a more cost-effective option you can jump on the waitlist for the next Kickstart course.

05.01.2022 Have you let your mind run wild on your dream life? Now it’s time to start to flesh out the financial pieces of the puzzle to make it a reality. You might have some tangible & practical things that will provide a sense of freedom for you. And if you need some food for thought, here’s some to get you thinking: Do you ideally want to be living mortgage-free by retirement [or earlier if possible - yes please!?] Do you need to be putting money aside to start the business you’ve... been dreaming about or to go on maternity leave, back to study, take a career break, take a new role? Are you getting together a deposit for your dream home or renovations? Do you need to fund school fees or perhaps you’d like to know you’ve got the cashflow for the experiences you want your family to have? So here’s the thing, most of us are actually pretty good at coming up with a plan & vision for the future but we often fall short on getting there because we don’t set ourselves up for success along the way. A common scenario is that we end up with big goals & lofty numbers to strive towards. This is great, but what can happen is that we set these goals that are so far into the future & given the realistic timeframe it’s going to take to achieve them, we so easily become disheartened & give up, feeling as though we are never going to get there. That’s why it’s so important to work backwards & breakdown the big goal into what you need to do on a micro basis & what the incremental milestones will be for those far away goals. It could be weekly or monthly target [save $X each pay] that you come up with + 3, 6 & 12 month milestones that you are working towards. As an example, let’s say you want to save $60k for a home renovation, but the reality is that it’s going to take you 3 years to achieve it. Change it up & make your annual goal to save $20,000 this year. That means $385 per week. $5K each 3 months & $10K saved halfway through the year. Then...celebrate these milestones. Keep the big picture in mind but focussing on what you need to do in the moment is how to stay motivated. Ticking these actions off is progress. Progress & persistence will get you to that end goal.

05.01.2022 They are the silver linings to my COVID storm. Yes, we’re all so bloody exhausted down here in Victoria Yes, the days are a bit groundhog-ish.... Yes,the juggle is very real BUT the opportunity to sit in our own private bubble and stand still for a bit with these two is something we won’t forget even though they might. #myloves Image by @hyggeligphotography for #doorstepdaysout

04.01.2022 How is it October tomorrow?!?!?! The next thing you’ll know we’ll be beginning the descent into Christmas. But I digress we are just over 2 weeks away from our October Kick-start group, um kicking off which will be the last for 2020. ... Not to get all intense on you but, if you’re ready to start afresh with your finances or have found yourself in a completely different place from where you began the year, head to the link in my bio and register for our October 19 Kick-start group. Kick-start is all about getting your financial house in order by understanding the ‘why’ of your money goals and giving you the tools to roll out the bespoke financial blueprint you make, under my guidance, over six weeks. It’s 100+ pages workbooks [that become your money bible for years to come because they are all you], it’s video introductions, fortnightly webinars, coaching and direction; it’s a chance to change old habits and embed news ones into a money management system that works for you. Jump on and have a look or send me a message, my DM’s are always open. #kickstart See more

03.01.2022 Can you believe Christmas is just under 12 weeks away!!!! I've shared my thoughts on Christmas Club accounts in this article with Joyful Frugalista for Kidspot and there's some other great saving ideas inside too. If you're a home owner, your mortgage offset account is probably the most attractive place to stash your cash in preparation for the festive season. If you haven't started saving yet, now's the time to think about your budget, divide it by 12 and that's how muc...h to put aside each week starting now. Would love to hear your christmas saving hacks below:

02.01.2022 Imposter Syndrome. Mum Guilt. Redundancy. Confidence.... We're discussing it ALL on today's episode of Savvy Mumma with Career Coach Em Prescott aka @promotableyou. Listen in Mummas because Em is dropping some pretty amazing "truth bombs" on us as we discuss what's holding us back from being our own advocates at work and rationalises why we feel the way we do when we return to work from maternity leave. There's a whole heap in there today which just. makes. sense about how we're approaching our work lives. Episode 9 of Savvy Mumma, Gaining confidence and clarity in your career! is up. Listen here: https://podcasts.apple.com//savvy-mumma-podca/id1520528422

01.01.2022 So what are we starting a fresh with in 2021? Before it gets completely silly, it might be worth taking a bit of time to think about what you want to achieve next year. Is it to start saving for a big adventure once the international borders are open? Maybe it’s taking a few months to explore this great country of ours? Is it topping up your super? Working on your financial buffer? Or maybe it’s automating your money management systems so it seems like less of a task? My DM’s are always open if you need a place to start.