1
00:00:00,600 --> 00:00:00,920
Speaker 1: Hello.

2
00:00:01,480 --> 00:00:04,960
Speaker 2: My name's Sanatasha Nabananga Bamblet. I'm a proud yr the

3
00:00:05,080 --> 00:00:08,680
Speaker 2: Order Kerni Whalbury and a waddery woman. And before we

4
00:00:08,760 --> 00:00:11,399
Speaker 2: get started on She's on the Money podcast, I would

5
00:00:11,440 --> 00:00:14,440
Speaker 2: like to acknowledge the traditional custodians of the land of

6
00:00:14,480 --> 00:00:18,599
Speaker 2: which this podcast is recorded on a wondery country, acknowledging

7
00:00:18,640 --> 00:00:22,520
Speaker 2: the elders, the ancestors and the next generation coming through

8
00:00:23,000 --> 00:00:27,080
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

9
00:00:27,160 --> 00:00:30,520
Speaker 2: the storytelling of you to make a difference for today

10
00:00:30,960 --> 00:00:33,040
Speaker 2: and lasting impact for tomorrow.

11
00:00:33,240 --> 00:00:34,120
Speaker 1: Let's get into it.

12
00:00:34,280 --> 00:00:53,519
Speaker 3: She's on the Money, She's on the Money.

13
00:00:57,080 --> 00:01:00,000
Speaker 1: Hello, and welcome to She's on the Money the podcast.

14
00:01:00,000 --> 00:01:02,680
Speaker 4: What us the proof's achieving financial freedom doesn't have to

15
00:01:02,680 --> 00:01:05,880
Speaker 4: be all spreadsheets and self denial. It can also involve

16
00:01:05,920 --> 00:01:07,720
Speaker 4: a little bit of laziness and a lot of strategy.

17
00:01:08,200 --> 00:01:11,480
Speaker 4: I'm Victoria Devine, a retired financial advisor who knows the

18
00:01:11,520 --> 00:01:15,360
Speaker 4: real flex is working smarter, not harder. And today, together

19
00:01:15,480 --> 00:01:17,479
Speaker 4: we're going to dive into a guide for anyone who's

20
00:01:17,480 --> 00:01:19,040
Speaker 4: ever thought there has to be.

21
00:01:18,880 --> 00:01:21,200
Speaker 1: An easier way to do this whole money thing.

22
00:01:21,880 --> 00:01:25,120
Speaker 4: This is, my friends, the Lazy Girl's Guide to Financial

23
00:01:25,160 --> 00:01:28,520
Speaker 4: Freedom in twenty twenty five. It's all about getting ahead

24
00:01:28,560 --> 00:01:31,640
Speaker 4: without burning out. Setting up your finances to work for you,

25
00:01:31,959 --> 00:01:36,280
Speaker 4: not the other way around. Think smartest strategies, streamlined habits,

26
00:01:36,280 --> 00:01:39,319
Speaker 4: and just enough effort to keep your wallet thriving while

27
00:01:39,360 --> 00:01:43,119
Speaker 4: you binge your next Netflix series guilt free. It's twenty

28
00:01:43,200 --> 00:01:46,240
Speaker 4: twenty five, people. If we're not using technology to make

29
00:01:46,280 --> 00:01:49,520
Speaker 4: life easier, what are you even doing. It's like having

30
00:01:49,560 --> 00:01:52,880
Speaker 4: your own personal assistant, but for money. No more forgetting

31
00:01:52,880 --> 00:01:56,360
Speaker 4: to transfer your savings, missing bills, or stressing about where

32
00:01:56,400 --> 00:01:59,320
Speaker 4: your money went. With the tech we have now, setting

33
00:01:59,400 --> 00:02:03,040
Speaker 4: up automatic payments, savings, or even investments is as easy

34
00:02:03,040 --> 00:02:06,000
Speaker 4: as ordering your Friday night Uber eats. It's time to

35
00:02:06,080 --> 00:02:09,200
Speaker 4: let technology do the heavy lifting so you can focus

36
00:02:09,240 --> 00:02:11,840
Speaker 4: on the things that you actually enjoy well. Your money

37
00:02:11,880 --> 00:02:15,520
Speaker 4: works smarter in the background. So hack number one is

38
00:02:15,520 --> 00:02:17,760
Speaker 4: probably my favorite on list because let's be honest, when

39
00:02:17,760 --> 00:02:20,600
Speaker 4: it comes to managing money, I just want smart, simple,

40
00:02:20,800 --> 00:02:23,960
Speaker 4: and as little effort as possible. So if you hear

41
00:02:24,000 --> 00:02:26,840
Speaker 4: the word budget and you immediately want to have an app,

42
00:02:26,880 --> 00:02:29,799
Speaker 4: maybe this one is for you. So for me, it's

43
00:02:29,800 --> 00:02:33,600
Speaker 4: about pulling everything into one spot. So I don't want

44
00:02:33,880 --> 00:02:36,560
Speaker 4: lots and lots of different bank accounts, lots of different

45
00:02:36,639 --> 00:02:40,800
Speaker 4: investment accounts, super and even debt in lots of different places.

46
00:02:41,280 --> 00:02:43,959
Speaker 4: So our community has been doing the research and they've

47
00:02:44,000 --> 00:02:47,200
Speaker 4: been looking up different ways to pull everything together, because

48
00:02:47,280 --> 00:02:49,519
Speaker 4: no one wants to jump between five different apps to

49
00:02:49,560 --> 00:02:52,520
Speaker 4: figure out where your money is going. In our community,

50
00:02:52,600 --> 00:02:56,080
Speaker 4: a really popular method of managing money is the bucket system.

51
00:02:56,200 --> 00:02:59,040
Speaker 4: So from my perspective, if you already use this method

52
00:02:59,040 --> 00:03:01,600
Speaker 4: to organize your money, or you're using like a few

53
00:03:01,600 --> 00:03:04,520
Speaker 4: different bank accounts, this one's going to be a game changer.

54
00:03:04,600 --> 00:03:07,040
Speaker 4: So lots of people in our community have started talking

55
00:03:07,040 --> 00:03:10,240
Speaker 4: about we money, and I did my research. It does

56
00:03:10,320 --> 00:03:12,600
Speaker 4: show you everything at a glance. It shows your total

57
00:03:12,639 --> 00:03:15,600
Speaker 4: bank balances, your investments, your super, your debt, and honestly

58
00:03:15,720 --> 00:03:18,920
Speaker 4: even your net worth. I was really impressed it's right there.

59
00:03:19,040 --> 00:03:21,960
Speaker 4: And my favorite part is that it's in real time.

60
00:03:22,400 --> 00:03:25,400
Speaker 4: It tracks your bill payments and it flags reoccurring changes,

61
00:03:25,440 --> 00:03:28,200
Speaker 4: and it tracks subscriptions so that you can finally see

62
00:03:28,240 --> 00:03:30,600
Speaker 4: where like sneaky money leaks are happening and you.

63
00:03:30,560 --> 00:03:31,600
Speaker 1: Can plug them for good.

64
00:03:31,600 --> 00:03:34,920
Speaker 4: But like any app, the key to making work is

65
00:03:34,960 --> 00:03:37,800
Speaker 4: making sure that you're reviewing it properly, making sure that

66
00:03:37,880 --> 00:03:40,200
Speaker 4: if you are using an app like this, you're going

67
00:03:40,240 --> 00:03:42,880
Speaker 4: in and canceling anything that you're not using because it's

68
00:03:42,920 --> 00:03:45,680
Speaker 4: instant savings, so this is going to track it for you.

69
00:03:45,720 --> 00:03:48,800
Speaker 4: So my hack number one is literally find an app

70
00:03:49,040 --> 00:03:52,680
Speaker 4: that makes it smarter, simpler, and literally no effort to

71
00:03:52,760 --> 00:03:56,680
Speaker 4: start setting your financial goals and tracking towards them. In fact,

72
00:03:56,760 --> 00:03:59,160
Speaker 4: in this app, you can set financial goals like maybe

73
00:03:59,160 --> 00:04:01,760
Speaker 4: saving for a holiday, or like paying off a credit card,

74
00:04:02,120 --> 00:04:04,520
Speaker 4: and then directly track them in the app. And my

75
00:04:04,600 --> 00:04:07,680
Speaker 4: favorite thing about that is it's all in one dashboard,

76
00:04:07,800 --> 00:04:10,640
Speaker 4: no more flicking between lots of different apps to make

77
00:04:10,680 --> 00:04:12,680
Speaker 4: it work. We Money is a tool that has just

78
00:04:12,680 --> 00:04:15,560
Speaker 4: been making life simpler and our community love it. The

79
00:04:15,600 --> 00:04:18,440
Speaker 4: next thing I wanted to talk about is consolidating your super.

80
00:04:18,560 --> 00:04:21,160
Speaker 4: I know it's not sexy, and I did promise that

81
00:04:21,200 --> 00:04:24,120
Speaker 4: we would be trying to work smarter and savvier and

82
00:04:24,240 --> 00:04:26,040
Speaker 4: have less effort. I know this feels like a little

83
00:04:26,040 --> 00:04:27,720
Speaker 4: bit of effort, but once you've set it up at

84
00:04:27,720 --> 00:04:30,599
Speaker 4: set and forget. But let's talk about consolidating your super.

85
00:04:30,760 --> 00:04:34,280
Speaker 4: It's kind of like maricondoing your retirement savings. If you've

86
00:04:34,320 --> 00:04:37,640
Speaker 4: worked multiple jobs, the chances of you having multiple super

87
00:04:37,680 --> 00:04:40,960
Speaker 4: accounts lurking in the background, quietly draining your hard earned

88
00:04:41,000 --> 00:04:43,200
Speaker 4: money with extra fees is high.

89
00:04:43,279 --> 00:04:44,400
Speaker 1: But good news is.

90
00:04:44,360 --> 00:04:47,680
Speaker 4: Consolidating your super is super easy, no pun intended, and

91
00:04:47,720 --> 00:04:50,279
Speaker 4: it can save you heaps over time. So what you

92
00:04:50,320 --> 00:04:52,479
Speaker 4: need to do to consolidate your super is just log

93
00:04:52,520 --> 00:04:55,479
Speaker 4: into my guve, link your account to the ATO, and

94
00:04:55,800 --> 00:04:58,919
Speaker 4: use the Super Consolidation tool they created for us to

95
00:04:58,960 --> 00:05:01,560
Speaker 4: make it easy to bring all your accounts together.

96
00:05:01,880 --> 00:05:03,880
Speaker 1: They do the hard work for you. In minutes.

97
00:05:03,880 --> 00:05:06,320
Speaker 4: You're going to be cutting down on fees, simplifying your

98
00:05:06,320 --> 00:05:09,400
Speaker 4: retirement savings, and ensuring that your money is working harder

99
00:05:09,440 --> 00:05:13,279
Speaker 4: for you, not you for it and bonus. Less accounts

100
00:05:13,279 --> 00:05:16,160
Speaker 4: means less paperwork, which means less fees and we all

101
00:05:16,279 --> 00:05:18,799
Speaker 4: love that right. The one thing I will say, though,

102
00:05:19,080 --> 00:05:21,920
Speaker 4: is if you're going to consolidate your super or I

103
00:05:22,040 --> 00:05:24,960
Speaker 4: hate to be boring, but please check your insurances on

104
00:05:25,000 --> 00:05:29,720
Speaker 4: your super before consolidating, because insurance is inside superannuation. They're

105
00:05:29,760 --> 00:05:32,280
Speaker 4: like the golden ticket, right, Like, once you've got it,

106
00:05:32,560 --> 00:05:33,120
Speaker 4: you've got it.

107
00:05:33,160 --> 00:05:33,960
Speaker 1: But if you lose it.

108
00:05:34,000 --> 00:05:36,680
Speaker 4: You can't just ask for it back, So making sure

109
00:05:36,720 --> 00:05:38,800
Speaker 4: you're not leaving a super fund that might have a

110
00:05:38,839 --> 00:05:42,240
Speaker 4: golden ticket insurance premium is really really intelligent.

111
00:05:42,760 --> 00:05:44,320
Speaker 1: Another thing I want to talk.

112
00:05:44,200 --> 00:05:48,440
Speaker 4: About is direct debiting to your investments or to your superannuation,

113
00:05:48,760 --> 00:05:51,480
Speaker 4: if that makes sense for you. It's as simple as

114
00:05:51,480 --> 00:05:55,200
Speaker 4: honestly setting up extra contributions through your employer. So one

115
00:05:55,200 --> 00:05:57,200
Speaker 4: thing I love about this is it's not a direct

116
00:05:57,200 --> 00:05:59,200
Speaker 4: debit from your account. You're not seeing the money go

117
00:05:59,279 --> 00:06:01,160
Speaker 4: into your account and then out of your account. You're

118
00:06:01,200 --> 00:06:03,680
Speaker 4: setting it up at your employer level, so it's like

119
00:06:03,760 --> 00:06:07,160
Speaker 4: the money never existed. That means it's coming from your

120
00:06:07,200 --> 00:06:10,840
Speaker 4: pre tax income if you're contributing into your supranuation, or

121
00:06:10,920 --> 00:06:13,920
Speaker 4: it's being diverted to a different savings account if it's

122
00:06:13,920 --> 00:06:17,400
Speaker 4: a post tax income. And this automation not only boosts

123
00:06:17,440 --> 00:06:20,880
Speaker 4: your super savings and your investment savings, but it also

124
00:06:21,360 --> 00:06:24,120
Speaker 4: could potentially lower your taxable income, giving you a win

125
00:06:24,160 --> 00:06:28,279
Speaker 4: win situation. It's honestly, really simple. All you do is

126
00:06:28,360 --> 00:06:32,560
Speaker 4: ask your employer to organize either your superannuation contributions or

127
00:06:32,720 --> 00:06:35,840
Speaker 4: to split your income for you. It gets taken directly

128
00:06:35,880 --> 00:06:38,279
Speaker 4: from your salary. And it's not only going to boost

129
00:06:38,360 --> 00:06:41,839
Speaker 4: you getting ahead when it comes to investment, but it

130
00:06:41,880 --> 00:06:44,080
Speaker 4: could save you money at tax time if you're using

131
00:06:44,120 --> 00:06:47,919
Speaker 4: the superannuation environment, double win. Right. And here's where it

132
00:06:47,920 --> 00:06:51,000
Speaker 4: gets even better if you're talking about salary sacrificing into

133
00:06:51,040 --> 00:06:54,760
Speaker 4: super right, because super contributions are typically taxed to only

134
00:06:54,800 --> 00:06:58,680
Speaker 4: fifteen percent instead of your usual marginal tax rate. Instead

135
00:06:58,680 --> 00:07:01,159
Speaker 4: of having more money over to the eight it's really

136
00:07:01,279 --> 00:07:03,919
Speaker 4: likely that you'll get a little kick back at tax time.

137
00:07:04,440 --> 00:07:06,680
Speaker 4: Whether it's twenty bucks a week or something a little

138
00:07:06,680 --> 00:07:10,000
Speaker 4: bit more ambitious, every single dollar that you put away

139
00:07:10,120 --> 00:07:12,280
Speaker 4: is going to set you up for a brighter, stress

140
00:07:12,360 --> 00:07:16,720
Speaker 4: free future because compounding and tax perks are a winning duo.

141
00:07:17,160 --> 00:07:19,160
Speaker 4: Your future self is going to be really grateful for

142
00:07:19,200 --> 00:07:21,560
Speaker 4: twenty twenty five you. Now, I'm going to take a

143
00:07:21,600 --> 00:07:23,960
Speaker 4: really quick break because I'm lazy, but I want you

144
00:07:24,000 --> 00:07:26,240
Speaker 4: to stick around because after we're going to dive into

145
00:07:26,280 --> 00:07:29,360
Speaker 4: the clever ways to keep your surprise bills from absolutely

146
00:07:29,400 --> 00:07:35,760
Speaker 4: ruining your budget. All right, my friends, we are back,

147
00:07:35,800 --> 00:07:37,680
Speaker 4: and I want to talk to you about those dreaded

148
00:07:37,880 --> 00:07:40,400
Speaker 4: surprise bills, like the power bill that shows up when

149
00:07:40,440 --> 00:07:43,280
Speaker 4: you're least expecting it your red Joe when you completely

150
00:07:43,280 --> 00:07:45,040
Speaker 4: forgot that it was meant to be payable, and the

151
00:07:45,120 --> 00:07:48,280
Speaker 4: fact that insurance is always payable in the same damn

152
00:07:48,400 --> 00:07:51,320
Speaker 4: month as your red Joe, it feels like you're being

153
00:07:51,400 --> 00:07:56,280
Speaker 4: kicked while you are down. Enter this idea of bill smoothing, right,

154
00:07:56,400 --> 00:08:00,560
Speaker 4: so you're new budgeting bestie, So many utility providers actually

155
00:08:00,720 --> 00:08:03,600
Speaker 4: give you this clever option, averaging your payment across the

156
00:08:03,680 --> 00:08:06,520
Speaker 4: year so that you don't actually get stung by seasonal spikes.

157
00:08:06,560 --> 00:08:10,000
Speaker 4: I'm looking at you summer air conditioning bill. Setting up

158
00:08:10,000 --> 00:08:12,680
Speaker 4: bill smoothing is a straightforward way to take control of

159
00:08:12,720 --> 00:08:16,640
Speaker 4: your utility expenses and avoid those dreaded seasonal spikes. So

160
00:08:16,680 --> 00:08:18,240
Speaker 4: what you're going to do is you're going to contact

161
00:08:18,280 --> 00:08:21,800
Speaker 4: your utility provider and ask about their bill smoothing program.

162
00:08:22,080 --> 00:08:24,680
Speaker 4: Most of them have them these days. Then they're going

163
00:08:24,720 --> 00:08:27,640
Speaker 4: to calculate your average usage based on the past bills

164
00:08:27,640 --> 00:08:31,080
Speaker 4: that you've had and set a predictable monthly amount, and

165
00:08:31,360 --> 00:08:32,840
Speaker 4: then they're going to set it up. And once it's

166
00:08:32,840 --> 00:08:35,240
Speaker 4: set up, your payments are spread evenly across the year,

167
00:08:35,679 --> 00:08:38,880
Speaker 4: so you'll know exactly what to budget for for each cycle.

168
00:08:39,280 --> 00:08:40,760
Speaker 4: And then what you're going to do is you're going

169
00:08:40,840 --> 00:08:43,199
Speaker 4: to add in direct debit. So every single month you're

170
00:08:43,240 --> 00:08:45,280
Speaker 4: just going to direct debit this and you're all set.

171
00:08:45,600 --> 00:08:48,160
Speaker 4: You don't even have to think about it again. Plus

172
00:08:48,440 --> 00:08:51,720
Speaker 4: so many providers nowadays offer annual reviews to ensure that

173
00:08:51,720 --> 00:08:54,439
Speaker 4: your payments are going to stay aligned with your actual usage,

174
00:08:54,520 --> 00:08:57,160
Speaker 4: which is going to keep your budget smooth and stress free,

175
00:08:57,480 --> 00:09:00,679
Speaker 4: which means if there's any extra that you've pad, it'll

176
00:09:00,720 --> 00:09:02,680
Speaker 4: go as a credit towards your bill.

177
00:09:02,880 --> 00:09:06,120
Speaker 1: And what does that mean? Less financial stress?

178
00:09:06,720 --> 00:09:08,920
Speaker 4: The other thing I wanted to talk about, and in

179
00:09:09,000 --> 00:09:12,800
Speaker 4: twenty twenty Thrive we are all embracing is this idea

180
00:09:12,960 --> 00:09:15,720
Speaker 4: of negotiating all the time. But did you know that

181
00:09:15,800 --> 00:09:18,040
Speaker 4: these days you don't even have to awkwardly talk to

182
00:09:18,080 --> 00:09:20,200
Speaker 4: somebody to snag a better deal, Like you don't even

183
00:09:20,240 --> 00:09:22,280
Speaker 4: have to pick up the phone and talk to a

184
00:09:22,360 --> 00:09:25,280
Speaker 4: human being. You can negotiate like a pro without even

185
00:09:25,320 --> 00:09:28,440
Speaker 4: having to open your mouth. Many companies now let you

186
00:09:28,520 --> 00:09:31,360
Speaker 4: request discounts and switch plans, or even haggle for better

187
00:09:31,440 --> 00:09:34,680
Speaker 4: rates directly through their website, on their app, or through

188
00:09:34,760 --> 00:09:38,000
Speaker 4: online chat. It's like having the power of negotiation at

189
00:09:38,000 --> 00:09:40,560
Speaker 4: your fingertips minus the sweaty palms. And do you know

190
00:09:40,600 --> 00:09:42,960
Speaker 4: what my favorite part about this is if you get

191
00:09:43,000 --> 00:09:44,880
Speaker 4: awkward and you're like, oh my gosh, I don't know

192
00:09:44,880 --> 00:09:47,720
Speaker 4: what to say next, chat GPT is going to answer

193
00:09:47,760 --> 00:09:51,480
Speaker 4: that for you. You don't even have to think about your response.

194
00:09:51,760 --> 00:09:54,559
Speaker 4: Chat GPT is going to have the answer. I'm actually

195
00:09:54,600 --> 00:09:56,319
Speaker 4: going to make it even easier for you, and I'm

196
00:09:56,320 --> 00:09:58,360
Speaker 4: going to link my resources section on the She's on

197
00:09:58,400 --> 00:10:01,000
Speaker 4: the money website where you can download screw and honestly,

198
00:10:01,080 --> 00:10:02,960
Speaker 4: you can just cut and paste them into the chat

199
00:10:03,000 --> 00:10:05,720
Speaker 4: and start there. It can't get any easier than that.

200
00:10:05,840 --> 00:10:10,240
Speaker 4: It's literally me helping you negotiate to get a better deal,

201
00:10:10,320 --> 00:10:12,040
Speaker 4: and you don't even have to think about it. I'll

202
00:10:12,040 --> 00:10:13,640
Speaker 4: pop it in the show notes for you, my friend.

203
00:10:14,280 --> 00:10:15,920
Speaker 4: The next tack I've got for you, my friends, I

204
00:10:15,920 --> 00:10:18,520
Speaker 4: think is an absolute game Changerup. Have you ever signed

205
00:10:18,600 --> 00:10:20,800
Speaker 4: up for a free trial that you totally meant to

206
00:10:20,800 --> 00:10:23,000
Speaker 4: cancel and then you got stung with a charge you

207
00:10:23,040 --> 00:10:25,920
Speaker 4: didn't see? So I've got two things for you here.

208
00:10:26,000 --> 00:10:28,000
Speaker 4: The first is, if you sign up for a free

209
00:10:28,040 --> 00:10:29,880
Speaker 4: trial on your phone, you're going to go to the

210
00:10:29,880 --> 00:10:33,840
Speaker 4: subscriptions tab as soon as you sign up and cancel it.

211
00:10:34,240 --> 00:10:35,679
Speaker 4: And the reason you're going to do that is it

212
00:10:35,720 --> 00:10:38,480
Speaker 4: will allow you to keep the trial period and then

213
00:10:38,520 --> 00:10:40,800
Speaker 4: it will end at the end of the trial period

214
00:10:40,800 --> 00:10:43,280
Speaker 4: instead of you having to remember to go in. The

215
00:10:43,360 --> 00:10:46,520
Speaker 4: other thing is sometimes they ask you for a credit card,

216
00:10:46,920 --> 00:10:49,959
Speaker 4: and this solution is going to use an empty pre

217
00:10:50,120 --> 00:10:53,880
Speaker 4: paid credit card for free trials. Since there's no actual

218
00:10:53,920 --> 00:10:57,040
Speaker 4: money loaded onto the card, it can't be charged once

219
00:10:57,080 --> 00:11:00,280
Speaker 4: the trial period ends. It's a super simple way to

220
00:11:00,400 --> 00:11:03,800
Speaker 4: kind of dodge unexpected fees and keep your subscriptions in check.

221
00:11:04,320 --> 00:11:07,360
Speaker 4: No more forgetting to cancel, no more surprise charges, just

222
00:11:07,480 --> 00:11:09,120
Speaker 4: stress free trials.

223
00:11:09,400 --> 00:11:09,920
Speaker 1: Money win.

224
00:11:10,559 --> 00:11:12,679
Speaker 4: All right, my friends, I feel like that's a wrap

225
00:11:12,760 --> 00:11:15,440
Speaker 4: on my very short, but very lazy Girl's Guide to

226
00:11:15,480 --> 00:11:17,240
Speaker 4: Financial Freedom in twenty twenty five.

227
00:11:17,760 --> 00:11:18,920
Speaker 1: Today we've covered.

228
00:11:18,640 --> 00:11:21,320
Speaker 4: Some what I would call game changing hacks to simplify

229
00:11:21,360 --> 00:11:25,640
Speaker 4: your financial life without breaking a sweat. Remember, financial freedom

230
00:11:25,679 --> 00:11:28,719
Speaker 4: it doesn't just have to mean spreadsheets and sacrifice. It's

231
00:11:28,720 --> 00:11:31,680
Speaker 4: all about finding systems the work for you, making small,

232
00:11:31,920 --> 00:11:35,800
Speaker 4: very intentional choices, and letting technology do the heavy lifting

233
00:11:35,880 --> 00:11:38,960
Speaker 4: so you can focus on what really matters. If you've

234
00:11:39,040 --> 00:11:41,600
Speaker 4: loved today's episode and you want to keep building your

235
00:11:41,679 --> 00:11:44,719
Speaker 4: financial confidence, Please don't forget to follow us on your

236
00:11:44,720 --> 00:11:48,160
Speaker 4: favorite podcasting platform and hit subscribe so that you never

237
00:11:48,320 --> 00:11:50,920
Speaker 4: miss an episode. While you're at it, I'd love it

238
00:11:51,000 --> 00:11:53,160
Speaker 4: if you shared this episode with a friend who could

239
00:11:53,240 --> 00:11:54,600
Speaker 4: use a little financial glow up.

240
00:11:54,880 --> 00:12:01,600
Speaker 1: It might even just change their life. See you soon, guys.

241
00:12:03,679 --> 00:12:06,200
Speaker 4: The advice shared on She's on the Money is general

242
00:12:06,280 --> 00:12:10,120
Speaker 4: in nature and does not consider your individual circumstances. She's

243
00:12:10,160 --> 00:12:13,640
Speaker 4: on the Money exists purely for educational purposes and should

244
00:12:13,640 --> 00:12:16,840
Speaker 4: not be relied upon to make an investment or financial decision.

245
00:12:17,200 --> 00:12:19,679
Speaker 1: If you do choose to buy a financial product.

246
00:12:19,480 --> 00:12:23,000
Speaker 4: Read the PDS TMD and obtain appropriate financial.

247
00:12:22,600 --> 00:12:24,400
Speaker 1: Advice tailored towards your needs.

248
00:12:24,760 --> 00:12:28,719
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

249
00:12:28,760 --> 00:12:32,880
Speaker 4: of Money. Sheper pty Ltd ABN three two one six

250
00:12:32,960 --> 00:12:36,840
Speaker 4: four nine two seven seven zero eight AFSL four five

251
00:12:36,920 --> 00:12:39,160
Speaker 4: one two eight nine