Money Madams

Sharing is caring when it comes to Superannuation. This little known strategy for couples can be a great tool for a range of scenarios.   Have a listen to this episode to find out how you could potentially boost your age pension, acess your super earlier (and importantly legally!), and make the most of your superannuation strategies that are dependent on your account balance being below certain th...

It's that time of year when super fund statements are sent out. It's easy to ignore your statement because the money doesn't feel real, or because the information in them can be overwhelming. In this episode we cover how to tell if your super is performing well and break down some of the jargon so you can feel confident that you are on top of your super!

With rents and mortgage interest rates having risen sharply, many people are starting to notice their incomes feeling more restrictive.  In this episode, we talk about ways of reducing budget stress, and it it's not all about spending less. We cover ways to swap out, lower costs and bring some extra funds into your budget to make your dollars go futher. 

In this episode we have Canberra's own comedy sirens - The Sparrow Folk!  Tune is to enjoy their humor as they share their journey of taking a side hustle to business venture. They also have a special suprise - a song they wrote and performed for Amber and Katherine all about the Money Madams!

In this episode we break down the difference between the cover you get in your super fund vs the cover you get via an adviser - you'd be amazed at the difference in quality and price! We all know Katherine loves personal insurance, but this week we have a guest, Matthew Wallis! As always you can reach out to Katherine to get help with your insurances (just book in via www.hcis.com.au ), but Kather...

It's the end of financial year. Santa isn't the only one making a list and checking it twice. The ATO has released its hot list. So if you want to avoid the naughty list and make sure you are up to date on upcoming changes, tune in to this episode!

Car insurance, most of us have it in some form or another, but do you have the correct type, and have you ever checked the fine print of your policy. In this episode, we break it down and reveal some tips and tricks when it comes to making sure you have the cover you want, and avoid a bad deal.

In this episode we chat about the strategy of Rentvesting, the pros and cons and how it can be a third option to be considered in the classic debate of whether to buy or rent.

It's the night Katherine gets her geek on (well more than normal). After working through the details, we share the key pieces of info that are likely to make an impact on your day-to-day finances from super, tax, government payments and incentives and more. 

It is often said, rent money is dead money, but is that really true?  At what point is it more advantageous to rent over buy? Join us in this episode as we look at both the pros and cons when it comes to buying a home vs renting.

Everyone is talking about inflation. We can't escape hearing about it. But what is inflation exactly?  Join us in this episode as we cover its impact on you (we promise there is some good news in all this!), what it means for your mortgage and saving interest rates, and lastly, what steps you can take to combat the rising cost of living in a high-inflation environment.

If you've ever wondered whether you should be focusing on paying down your mortgage or whether you should use any spare cash to invest, then this is the episode for you. We'll walk through the questions you should ask yourself, crunch some numbers, and highlight different personal values to help you answer the question for yourself.  

Do you dream of living in an exotic location, or envy those who have jobs that allow them to be paid to live and work overseas like Amber? Dream no more, becoming a digital nomad may be your ticket to making your dreams a reality.  For more info about digital nomad visas check out  https://workingholiday.au/digital-nomad-visas/ To work out the differences in the cost of living between countries ch...

With interest rates rising, if you haven't been reviewing your home loan lending rates and mortgage arrangements, now is the time to so so! In this episode we have David of True North Mortgage Solutions back on the show to chat about what's on offer from the banks, what impact rising interest rates have on loans (beyond paying more back to the banks) and general updates to help us all out. If you...

It may be easy to avoid falling for a Nigerian Prince, but scams are becoming increasingly sophisticated.  In this episode we cover some of the more recent scams going around so you can protect your hard-earned dosh!

Ever wanted to know how close you are to being a millionaire, or a multi-millionaire? In this episode, we break down the steps needed to work out your net worth, talk about why it is important to know your net worth and how often you should re-visit it. Our promo for our book is still running until the end of Feb, so use the discount code Book23 to get your hands on a copy for $23!

Welcome to 2023. The new year is typically when most people sit down and make goals for the year ahead. No matter what time of the year it is, if you want to make changes for the better, regardless if it is for your health, wealth, or relationships, there are some strategies you can adopt to boost your chances of reaching your goals. To celebrate the new year and to help you with any financial goa...

In our final episode for the year, we wrap up with all things Christmas.  Christmas can be stressful not only for our wallets but also for our time and energy levels. In this episode, we give you our take on how to be a savvy spender at Christmas. We are taking a break over Christmas & New Year and will return with our next episode on Jan 16th, 2023.

We love our children and want the best for them, to be healthy, have a good education, and have caring friends. The biggest fear of most parents is something happening to their kids, so in this episode, we talk about preparing them for the road ahead. While we love to bring you lots of joy and laughter in our episodes, this one was quite near to our hearts and gets a little emotional at the end. 

In this episode we welcome back Lessli Strong and we chat about the wisdom, benefits and skills needed for backing yourself when it comes to work and relationships. 

It's time for Katherine to get nerdy with the latest Federal Budget. We've taken the guess work out of it for you and give you a summary of the announcements that could mean changes or opportunities for you.

Credit cards can be an awful trap for some, but a huge benefit for others. Like all financial tools, it comes down to how you wield them.  In this episode, we talk about ways you can use credit cards and reward programs to make you money, rather than cost you money.  

You've asked and we've listened. In this episode we talk about how to get started with investing for the first time whether you are looking to kick off with shares, managed funds or ETF's.  From opening an account, to choosing your investments and other elements such as minimum amounts required and fees. Happy investing!

Most of us will likely worry at some point about not having enough savings to last our retirement, but a recent hot topic has us talking about aiming to spend (and enjoy) every last cent of our retirement dollars.  The key theory here is that if you die with money left unspent, it represents time spent working that could have been diverted to more memorable, pleasurable or personally significant m...

Whether you plan to retire early or plan a traditional retirement or simply want to plan ahead to ensure your money lasts the distance tune in to this episode to learn some of the common strategies to make your money last. We cover the 4% rule and the bucket strategy - two great principles that can protect your nest egg from depleted during down turns in the market while making sure you have consi...