Money Madams

What's in a credit score? Do you need to apply for a credit card to build your credit score? Where can you find your current score and what can you do to improve your score... Should you ever consider paying someone to "fix" your credit score? Join us as we talk about all things credit scores and credit ratings. If you enjoy the show, please rate us on your favourite platform. Don't forget our pro...

It's tax time and the ABC has said the average tax refund this year is $2,800! What could you do to make your life better? Listen in as we talk through your options to help you find the balance between enjoying your potential windfall and using the money to make your life easier both now and for years to come. We love feedback, so please take the time to rate us on your fave podcast platform or wr...

For most people the new financial year means an increase to the rate of super to 10%, but is this an extra payment from your employer? Or did it come at the cost of a wage decrease? Superannuation is constantly changing and in this episode, we talk about the changes that came into effect on 1 July 2021. Katherine also apologises for not checking her mic settings - doh! To check the best performing...

Income Protection is an essential cover for most people. Let's face it if you need your income, you probably need this cover. You probably already know that the terms and features can vary significantly but did you know there are big changes coming on October 1st this year? If you have been considering getting or reviewing your Income Protection cover, you'll want to listen in to this week's episo...

Do you like the idea of knowing what it takes to achieve financial independence? Or perhaps the idea of being able to retire in your 40's or 50's appeals to you. Well, those ideas appeal to a large group of people and it's called the FIRE movement.  In this episode, we chat with CaptainFI who is solidly on the path to FIRE and shares his story and explains what it takes to reach FIRE and nailing y...

This week Amber and Katherine meet up with Dr Tom and Jump Daddy from the Dad to Me podcast, to chat about money lessons learned in childhood and how it impacts our money beliefs. We cover topics ranging from borrowing money from friends through to learning to have conversations with your parents or partners. Join us in this week's episode for plenty of laughs and learnings. If you've been enjoyin...

It's been all over the news, but at the end of the day what does it mean for you? We've done the hard work for you and have a summary of changes that mean more money in your pocket, opportunities to boost your superannuation, new programs to help more people to become homeowners, and a range of other measures.  So tune in, and remember to leave us a review : )  

This week we welcome Jane Hadrill back to the show to talk all things property investment. Jane shares with us what makes a good investment property, where to find them, shares her top tips and her views on positive vs negative gearing.  Join us for this informative and fun-filled episode.  You can reach out to Jane via https://hadrillaccounting.com.au Lastly, if you enjoyed this week's episode, p...

What is debt recycling? In a nutshell, it's a strategy some people use to pay off their home loan faster while investing at the same time.  It's like the old El Paso Taco ad... Why not have both? Debt recycling can be a great strategy to build wealth, gain tax deductions and pay off your home loan faster. In this episode, we explain what it is, how it works, what to expect, and the often overlooke...

Have you been considering whether or not you should engage the services of a financial adviser? Have you then wondered where you should start looking, or whether it's something that's right for you? We know you have - you've asked us and so this week the Money Madams are here to help along with Scott Malcolm of Money Mechanics to answer your questions. If you have any other topics you'd like us to...

Ever wondered how some people always seem to be able to get ahead? In this episode, we talk about a simple change you could make that can help set you up for life. We're talking no more car loans, taking the holidays of your dreams on a regular basis. Want to know more, tune in!  while you are at it, please help us spread the word by sharing us with your friends or rating us on your favourite podc...

Car loans are normal for most people whether you salary package your car or get dealer finance. The lenders will often tell you what they are willing to lend you, but how much should you really commit to spending on a car? In this week's episode, we discuss a rule of thumb to guide you on your budget. If you are in the market for your next car purchase, or you simply feel like there is never enoug...

We are all about getting a good deal - and that means avoiding lemons, especially when it comes to big purchases. In this week's episode, we chat to a mechanic and rally car enthusiast about: how to choose the right car for you, where to get advice, what to look out for when buying a used car, and talk about what's the deal with service scheduling and whether pushing them out saves you money.  

Frugal February is here! If you are experiencing a financial hangover following the Holiday break, Frugal February is here to get you back on track. Like Dry July, Frugal February is a growing movement. It's all about getting tough on your budget and flexing that all-important will power to say no to unplanned and non-essential spending.  Join us as we chat about Frugal Feb and share our ideas. If...

Join us in this week's episode as we kick off a challenge to save a thousand dollars in weeks. We cover the six key steps to help you save your first thousand or boost the savings you already have. To get your hands on our Living Budget e-book and budget template combo for half price, use the code GetStarted and kick off your savings journey today!  

It's a new year and we are back from our Christmas break. With a new year comes a fresh start and hope of making this year better than the last. Let's just say we all hope 2021 will look much better than the year that was 2020. This week we share our own resolutions and talk about how to make changes that last.

Christmas: It's the most wonderful time of the year. It can also be one of the most expensive and stressful times. In this week's episode, the money madams are here to save your wallet and your sanity. We apologize for Amber's audio quality - we had a software glitch! We will be back on the airwaves on January 11. 

Christmas: It's the most wonderful time of the year. It can also be one of the most expensive and stressful times. In this week's episode, the money madams are here to save your wallet and your sanity. We apologize for Amber's audio quality - we had a software glitch! We will be back on the airwaves on January 11. 

It's the ultimate dream, owning your own home, but better than that, owning your own home with the mortgage paid off! This week we chat about how you can go about structuring your loan and other tips that can see you shave years, and thousands in interest off your mortgage so you can own it that much sooner. We also cover the little mistakes people make when refinancing their loan to a better deal...

Budget - it's a personal thing, but we often want to compare ourselves to others. After our mortgage chat episode, you asked us about what's normal for a budget and how Katherine gets hers so low. So in this week's episode, we will be going into the nitty gritty of Katherine's budget.  Katherine will be talking through how she does things, to give you some insights and ideas on structuring your ow...

Saving up for a house can be a challenge - but the Money Madams are here to speed up your progress. In this week's episode, we take an in-depth look at the First Home Super Saver account - who is eligible, what the benefits are and how and when you need to access the funds. For the full details of the scheme head to the ATO website to learn more click here.

This week we have David Gawthrop back on the show to chat with us about what the banks are looking for in terms of lending criteria and the latest rates on offer.  We also chat about what to expect if you have chosen to take up or are thinking of taking up the covid mortgage repayment relief packages on offer. If you would like to chat with David about your home loan situation or are looking to bu...

It's another career chat episode and this week it's with our very own Katherine Hayes. If you've been listening to the show, then we know you love the idea of getting better at your personal finances, but if you've ever thought about making it your career, then listen in as we talk about the various pathways within the world of the financial services industry.

In this week's podcast, we are talking about scams and getting a bad deal. Scams are becoming more sophisticated and what can seem as a sensible decision around super and investing could be anything but.... So to save yourself from falling victim and losing money tune in as Katherine goes undercover and together we learn some of the latest scans and other signs to watch out for.

It's Halloween and we're talking about your scary money stories and sharing some of our own.  A big thank you to everyone who wrote in and gave us their stories to share too.