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Speaker 1: This podcast is recorded on gadigal Land Always was, always

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Speaker 1: will be Aboriginal Land. Hey GPS and welcome to the

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Speaker 1: final episode of the Financial Glow Up, the twenty twenty.

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Speaker 2: Five Reset series.

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Speaker 1: This was our first ever mini series where we discussed

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Speaker 1: how we were going to reset and go up our

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Speaker 1: finances in twenty twenty five. I feel ready. I feel

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Speaker 1: so motivated. Me too, I can't wait.

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Speaker 3: Bring it on, come on, Joe.

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Speaker 1: Well, it's already the new year by the time this

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Speaker 1: episode drops.

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Speaker 3: So happy away you chicks.

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Speaker 1: Chicks, I hope you're feeling the new year momentum, the

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Speaker 1: new year drive to glow Up. I love the start

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Speaker 1: of the year. The start of the year is the

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Speaker 1: best feeling of the world. It's like a clean slate.

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Speaker 1: You can look at everything in your life, see what

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Speaker 1: you're happy with, keep that going, and see what you

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Speaker 1: want to improve, address your life lessons from the last.

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Speaker 3: Year, and evolve.

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Speaker 4: Make twenty twenty five the best year. Yep.

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Speaker 1: We love sexy biology. So given that we're on the

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Speaker 1: New Year Up, we are going to talk about how

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Speaker 1: to set your goals, your financial goals for the new year,

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Speaker 1: but the daily habits that create long term wealth rich

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Speaker 1: akch aka rich in twenty twenty four four and five Australian,

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Speaker 1: so approximately eighty three percent set financial goals and year

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Speaker 1: on year we see very similar numbers, so I wouldn't

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Speaker 1: be surprised if it was the same for this year.

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Speaker 1: And within those goals, very common ones are saving more,

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Speaker 1: spending less, and reducing expenses. So we wanted to break

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Speaker 1: down the things that you can do in twenty twenty

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Speaker 1: five to help you achieve them. And the main tip

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Speaker 1: is being clear, specific and realistic.

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Speaker 2: But Sound's gonna break them down for.

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Speaker 4: Us because she's pooky, because she pooky. Yeah, so break

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Speaker 4: them down for us South. Our first step be specific.

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Speaker 4: Instead of saying I want to save more money, try this.

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Speaker 4: I want to save five thousand dollars for an emergency

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Speaker 4: fund by December thirty first, twenty twenty five.

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Speaker 3: Ma'am, ma'am.

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Speaker 4: Now we've got a goal that's not vague and you

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Speaker 4: can track your progress as you go.

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Speaker 1: When did chaer come in the studio, ba'am?

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Speaker 3: Next one, make it measurable. This part is key. If

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Speaker 3: your goal.

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Speaker 4: Isn't measurable, how do you know if you are actually

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Speaker 4: making progress or if.

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Speaker 3: You've achieved it.

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Speaker 2: That's why you feel like you're not achieving anything. If

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Speaker 2: you don't make your.

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Speaker 1: Goals measurable so that you have like a yes or

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Speaker 1: no answer, you're setting yourself up for failure exactly.

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Speaker 4: And just because it's measurable doesn't mean it needs to

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Speaker 4: be huge or unachievable. If anything, it's the opposite. For example,

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Speaker 4: if you're paying off credit card debt, break it down

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Speaker 4: like this, I'm going to pay off five hundred dollars

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Speaker 4: this month. Month. Simple, but it gives you something to

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Speaker 4: aim for every single month.

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Speaker 1: You can also increase that or decrease that. I think

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Speaker 1: the best thing is starting ridiculously small that it's so achievable,

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Speaker 1: especially in the first month, so you get that dopamine

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Speaker 1: hit of motivation, and so it could even be one

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Speaker 1: hundred dollars. I'm going to save one hundred dollars this month,

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Speaker 1: and then in February you make it two hundred, and

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Speaker 1: then March three hundred and slowly increase. And mapping your

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Speaker 1: goals that way is more of a steady incline rather

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Speaker 1: than going I'm going to save ten thousand dollars and

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Speaker 1: bitch where.

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Speaker 3: Exactly and making it flexible.

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Speaker 4: So say if you had like a big expense come up,

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Speaker 4: you're like, okay, well maybe this month I'll go back

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Speaker 4: to one hundred, and then you can always go up

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Speaker 4: from there.

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Speaker 3: Next here.

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Speaker 4: Give it a timeline, you know when you have a

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Speaker 4: deadline for work, and it creates a focus tunnel for

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Speaker 4: your time. It's the same thing with financial goals. Set

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Speaker 4: a date. You need a dead line to keep you

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Speaker 4: on track and most importantly, connect to your why. This

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Speaker 4: is an absolute game changer. Why do you even want

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Speaker 4: to hit these goals? Maybe it's to go on your

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Speaker 4: dream vacation, build up your savings so you can start investing,

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Speaker 4: or pay off your debt, and finally feel for reading,

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Speaker 4: your why is the energy that's going to keep you

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Speaker 4: motivated on those days when you would just rather skip

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Speaker 4: budgeting and buy that new skin care set instead, or new.

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Speaker 3: Pair of shoes, or cheese bagel throwback.

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Speaker 1: Or vod capasita on your breads that costs seventy two

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Speaker 1: dollars and comes cold and all over the bag.

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Speaker 3: Anyway, keep your why in mind.

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Speaker 4: It'll help you power you through those really tough moments

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Speaker 4: and keep you motivated throughout your journey.

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Speaker 1: So let's get into the daily habits that make it

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Speaker 1: happen and also help generate long term we building these

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Speaker 1: habits are not only going to benefit you this year,

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Speaker 1: but every single year going forward until you're lowered into

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Speaker 1: the grid, which never happened, because we're all going to

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Speaker 1: live for every single bayor all right, let's set some goals, babe,

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Speaker 1: so daily habits to set up in twenty twenty five

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Speaker 1: to make it happen. This could be your long term

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Speaker 1: wealth goals or just goals in general, because we've all

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Speaker 1: heard the saying that success happens in the small moments,

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Speaker 1: So it's really focusing on the small details and daily

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Speaker 1: things that you can do that will create like ripple

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Speaker 1: effect to the rest of your life and you'll be

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Speaker 1: slaying and slaying forever. So here are some small things

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Speaker 1: that you can start doing today. First one is a

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Speaker 1: five minute money check in. So we have talked about

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Speaker 1: having a little money date with yourself earlier in this series,

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Speaker 1: but if even that sounds a little bit too far

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Speaker 1: away from where you are, start even smaller.

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Speaker 2: Start with five minutes.

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Speaker 1: And that's even opening your banking app at the end

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Speaker 1: of the day and looking at what you spent money

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Speaker 1: on that day. Maybe it's writing it out on a

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Speaker 1: notepad so you can visually see what you spent money

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Speaker 1: that day. I know it's tempting to ignore your budget sometimes,

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Speaker 1: like oh, I'll just check it next week and just

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Speaker 1: pretend that I didn't spend that much money.

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Speaker 2: It's all on the past. I know it's all on

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Speaker 2: the past. I puna matata.

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Speaker 1: But trust me, taking five minutes every day to check

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Speaker 1: in on your spending can and will make a huge difference.

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Speaker 1: By opening up your banking app and checking your transactions,

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Speaker 1: it makes you more accountable and makes sure that you're

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Speaker 1: sticking to your goals. It is the easiest way to

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Speaker 1: stay accountable to yourself without feeling too overwhelmed. I think

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Speaker 1: it also will make you more conscious when you do

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Speaker 1: go to spend because you will think, I'm going to

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Speaker 1: look at this at the end of.

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Speaker 2: The day, yeah, and then.

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Speaker 1: Yeah yeah, So if you're like, okay, am I doing this?

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Speaker 1: You know when sometimes you've gone to spend money and

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Speaker 1: you know it's maybe a little bit of a splurgeon,

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Speaker 1: you kind of close your eyes and click the button

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Speaker 1: and you're like yeah, and then you're like, I'll just

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Speaker 1: forget I spent that money, right, But when you know

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Speaker 1: that you're gonna check it at the end of the day,

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Speaker 1: you can't bury your head in the sand.

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Speaker 2: Yeah, so it kind.

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Speaker 1: Of will help you in the future as well to

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Speaker 1: be a little bit more accountable for your spending and

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Speaker 1: avoid those impulse moments, which we're all guilty of, no shape, no.

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Speaker 2: Judgment, guilty as charge.

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Speaker 3: In the studio blindly with.

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Speaker 1: Next is to automate your savings. This is easily one

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Speaker 1: of the best ways to just make your life easier.

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Speaker 1: So if you're not already automating your savings, girl, you

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Speaker 1: are missing out. To set up a daily or weekly

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Speaker 1: transfer into your savings account. Even if it's just five

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Speaker 1: dollars a day, that adds up to one hundred and

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Speaker 1: fifty dollars a month, which is one eight hundred dollars.

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Speaker 2: A year, not bad, good size.

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Speaker 1: The best part and my absolute favorite, is you don't

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Speaker 1: even have to think about it.

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Speaker 2: It's like a set it and forget outside out of mind.

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Speaker 1: And I do think when you do that five minute

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Speaker 1: check in, you're can see that like five dollars come out,

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Speaker 1: but outside of that, you're not going to think about it.

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Speaker 1: You're not going to miss it. But how often do

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Speaker 1: you blindly.

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Speaker 2: Just pay thirty five dollars for take away food.

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Speaker 1: I step out of the house and thirty five dollars

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Speaker 1: leaves my bank account. So having that automatic setup just

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Speaker 1: means it's done, it's there, and you don't even have

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Speaker 1: to think about it anymore.

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Speaker 4: Our next daily habit investing a little time in learning.

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Speaker 4: Set aside just ten fifteen minutes a day to learn

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Speaker 4: about money, whether it's reading a financial blog, watching a TikTok,

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Speaker 4: or listening to a podcast like this one. The more

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Speaker 4: you learn, the more you'll feel empowered to make better

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Speaker 4: financial decisions. Even those ten minutes a day will add

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Speaker 4: up over time, trust us. Moving on to start your

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Speaker 4: day with financial affirmations. Okay, we know it sounds a

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Speaker 4: little woo woo, but I love a little woo woo.

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Speaker 3: What's wrong with that?

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Speaker 1: I also think it fully works. I know I've talked

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Speaker 1: about manifesting, but like when you look at your vision board,

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Speaker 1: when I look at our vision board for this year

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Speaker 1: and how much has come true and by that I

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Speaker 1: mean all of.

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Speaker 2: It, I'm like, all right, I'm on board, baby, Yeah,

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Speaker 2: sign me up. Exact take me to Woo Woo Land.

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Speaker 3: Take me to Woo Woo Land.

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Speaker 4: Starting your day with a simple affirmation like I am

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Speaker 4: in control of my finances or money flows to me

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Speaker 4: easily and effortlessly, can seriously.

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Speaker 3: Help shift your mindset.

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Speaker 4: The power of positive thinking, especially around money.

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Speaker 3: Is so real.

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Speaker 4: You've got to believe that you can have it all

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Speaker 4: because you totally can.

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Speaker 3: And lastly, the thirty second pause.

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Speaker 4: We can't stress this enough, and it's something that we

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Speaker 4: touched on in the third episode of this mini series,

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Speaker 4: but take a second before every purchase to ask yourself,

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Speaker 4: is this aligned with my twenty twenty five goals? This

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Speaker 4: pause will help you make more intentional choices, especially on

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Speaker 4: those impulse or emotional buyers.

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Speaker 3: Just a little pause.

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Speaker 4: For thirty seconds can save you a lot of money.

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Speaker 1: Even better, make it twenty four hours, as we mentioned

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Speaker 1: I think in episode three, But the purpose of these

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Speaker 1: daily habits is to be small and easy to execute,

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Speaker 1: So start at thirty seconds if that's what you need,

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Speaker 1: and grow towards the twenty four hour pause. But even

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Speaker 1: just starting with an effort with these daily goals is

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Speaker 1: going to help you build the foundation for healthy money

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Speaker 1: habits for twenty twenty five and beyond to wrap up

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Speaker 1: our final episode of the Financial Gow. Up Here is

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Speaker 1: our master money tip that we want you to walk

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Speaker 1: away with and we want to keep that up going,

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Speaker 1: and we wanted to share the five signs that you're

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Speaker 1: doing financially better than you.

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Speaker 2: Think you are, because it's so easy for us to look.

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Speaker 1: Down on ourselves in these scenarios and think that we're

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Speaker 1: behind or compare ourselves, which is so easy and it's

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Speaker 1: such an easy trap to fall into. So we're going

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Speaker 1: to share the five signs that you're doing better financially

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Speaker 1: than you think you are.

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Speaker 2: To help you still feel a little bit good at yourself.

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Speaker 4: And kick the good vibes rolling baby, positive vibes only baby.

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Speaker 1: So we'll link the source in the show notes. So

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Speaker 1: number one, you've got one thousand dollars saved. Forty five

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Speaker 1: percent of Australians don't. Number two, you've got no credit

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Speaker 1: card debt, sixty eight percent of Australians do. Number three,

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Speaker 1: you're investing in the share market Forty two percent of

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Speaker 1: Aussie women do. Number four you have no car payment.

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Speaker 1: The average new car payment is seven hundred and sixty

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Speaker 1: dollars and ninety two cents per month.

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Speaker 2: It's huge.

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Speaker 1: And number five, you have a will fifty two percent

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Speaker 1: of Ossie's don't.

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Speaker 2: How good's that?

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Speaker 4: So?

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Speaker 1: I feel like most people would be able to relate

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Speaker 1: to maybe one of those, if not more.

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Speaker 2: And again, if you don't.

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Speaker 1: Now is the perfect time to work towards at least

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Speaker 1: one of them. If you can't relate to any of those,

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Speaker 1: please don't feel bad about yourself.

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Speaker 2: That's not the point. It's about finding the small.

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Speaker 1: Ways that you can glow up and reset your finances

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Speaker 1: in twenty twenty five, and this mini series was what

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Speaker 1: why we made that is to make it super simple,

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Speaker 1: super easy and attainable. Money goals and money achievements often

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Speaker 1: feel so far away from where we are, but they're not.

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Speaker 2: The smallest little.

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Speaker 1: Will literally lead to the biggest results that you didn't

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Speaker 1: even think you could achieve. It just I know it

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Speaker 1: sounds so cheesy, but it's literally just about starting well.

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Speaker 1: Is a wrap for the Financial Glow Up mini series.

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Speaker 4: Well, thanks so much chicks for joining along. If you

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Speaker 4: haven't listened to all of the episodes, this was a

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Speaker 4: five part mini series, so make sure you go back

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Speaker 4: and listen to them more and get geared up for

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Speaker 4: an absolutely amazing twenty twenty five.

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Speaker 3: Love It, You're gonna smash it.

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Speaker 1: I can't wait, and you're regularly scheduled programming of Two

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Speaker 1: Broke Chicks. We'll return later this month, Yes, very very soon.

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Speaker 1: Love you, chick Bye, Chicky Bye,