Money with Alpha

Money isn't just about dollars—it's about stories, beliefs, and patterns we often inherit without even realizing it. In this episode, we dive into how women can uncover hidden money stories passed down through generations, and how to finally break free from patterns that keep you stuck. You'll learn why money is best seen as a tool, not a burden, and how family history can quietly shape your financial decisions. Plus, we'll explore practical steps to start shifting your mindset and building systems that support your financial empowerment. If you've ever felt like you're working hard but not moving forward, this episode will give you the clarity and confidence to start rewriting your money story. What You'll Learn: How unconscious family patterns shape your relationship with money Why money itself is neutral (and how to start using it as a tool) The hidden "loyalties" that keep you repeating financial struggles Simple, practical steps to claim your financial power Here is where you can find out more, and book in for the Family Constellation - Money Workshop in Brisbane on Saturday 20 September, 2025 - Group Work - Mind and Soul Nurturing

What does it really mean to be financially empowered? In this inspiring episode, I sit down with Prosper Taruvinga, who grew up in Zimbabwe during hyperinflation before moving to Australia to build a thriving business. His story is one of resilience, vision, and the power of owning your money mindset—and your media. We explore: The "money language" we absorb in childhood and how it shapes our decisions Prosper's journey from survival to entrepreneurship Why financial literacy is built step by step, not overnight How to avoid relying too heavily on external systems like social media The importance of creating platforms and processes you truly own If you're a woman business owner who wants to be financially self-empowered, this conversation will help you shift from survival mode to growth mode—and remind you that your past does not define your financial future. Resources and Links: Connect with Prosper Taruvinga on LinkedIn Learn more at Live Long Digital Find Prosper's new book on Amazon For more episodes, visit Money Made Simple

Ever wondered how to keep your finances on track without spending hours every week? In this episode of Money with Alpha, I share my personal monthly money routine—a simple yet powerful process I use to stay in control of both my business and personal finances. You'll learn: Why having a regular "money date" is the key to financial consistency The exact steps I take each month to review my business performance and personal spending How I use my "money pie" method to make sure every dollar has a purpose The importance of buffers (and how they saved me from extra stress during a family emergency) How to shift your mindset so your finances become an enabler, not a restriction Whether you're a business owner or simply want to feel more confident with your money, this episode will help you build a routine that works for your life. No overwhelm, no guilt—just clarity and empowerment. Resources & Links Mentioned: Connect with me on Instagram: @alphamoneymadesimple Visit my website: www.money-madesimple.com.au If you enjoy this episode, please subscribe and leave a review—it helps more women take control of their money and their future.

In this episode of Money with Alpha, I'm diving deep into my Money Pie Framework — a simple yet powerful system I first created for myself and have now shared with countless clients. If you've ever felt overwhelmed by your finances, uncertain where your money is going, or guilty about spending, this framework can help you find clarity, confidence, and freedom. You'll discover the three core pillars of the Money Pie Framework — Visibility, Clarity, and Flexibility — and how they work together to help you see exactly where your money is, align it with what truly matters to you, and adapt as life changes. I share personal stories, client examples, and practical tips for setting up your own money pies in both your personal and business finances, so you can plan ahead without feeling restricted. Whether you want to save for a holiday, pay off debt, prepare for retirement, or simply feel more organised, the Money Pie Framework will give your money purpose — and remove the stress of financial decision-making. What You'll Learn in This Episode: Why simplicity is the key to financial empowerment. How to create separate "money pies" for personal and business finances. The importance of Visibility — knowing exactly what's coming in and going out. How Clarity around your vision and values stops impulse spending. How Flexibility helps you adapt to life's changes without financial chaos. Real-life examples of how the framework has saved clients stress — and even relationships. Resources & Links Mentioned in This Episode: Book a free Clarity Chat with Alpha to explore your own Money Pie Framework. Related episodes: Separating Your Business and Personal Finances Why You Need a Fun Fund

In this deeply relatable episode, Alpha opens up about the emotional side of money—the unspoken reasons why so many of us procrastinate when it comes to our finances. From the fear of judgment to the comfort of familiar (but unhelpful) habits, she dives into five key reasons we put off dealing with money matters, even when we know it's important. Whether you're avoiding your bills, putting off switching providers, or just feel like you "should be better at this by now," this episode reminds you that you're not alone—and you're not broken. 💡 In This Episode, Alpha Shares: Why self-judgment is the real fear behind feeling judged by others How to keep what you love (like coffee or chocolate) and still be smart with money The myth that managing money is "hard"—and how to simplify it Why shame and guilt hold us back from progress How familiarity with discomfort keeps us stuck—and how to gently move forward ✨ Takeaway Message: You don't need to overhaul your finances overnight. Financial empowerment is built through small, safe, and intentional steps that honor where you are now. It's time to bring kindness into the conversation about money—and release the guilt.

For many of us, money was a taboo topic growing up. It wasn't something we talked about—it was something we worried about in silence. In this episode, I'm sharing why I love talking about money and why opening up these conversations is the first step to financial empowerment. In this episode I talk about: ✨ why money is simply energy and how that changes everything ✨ how money gives you freedom, choices, and the ability to help others ✨ the importance of breaking the cycle of shame around money conversations ✨ simple ways to start talking about money with your family and friends Let's take the fear out of finances and start creating a healthy, empowered relationship with money. 🎧 Tune in now and let's normalize money conversations!

In this heartfelt and empowering episode, I share a deeply personal reflection inspired by recent life events that reminded me how precious our time really is. I explore the five "C's" that can transform not only your business but your entire approach to life: Clarity, Courage, Confidence, Commitment, and Consistency. As women business owners, we often put our own dreams on hold while taking care of everyone and everything else. This episode is your invitation to pause, reflect, and reclaim your power. I'll guide you through practical ways to: ✅ Gain clarity about the life and business you truly want ✅ Build the courage to step outside your comfort zone ✅ Grow your confidence to make bold decisions ✅ Commit to your vision and values (while giving yourself grace to pivot) ✅ Stay consistent to create long-term success If you've been waiting for the perfect time to prioritize yourself and your goals, this is your reminder: Your time is now. 🎧 Tune in and take the first step toward an intentional, aligned, and abundant life.

What does business growth mean to you? What do you think is even possible? These are important questions to ask yourself and to clarify as you build a business. Otherwise, you become reactionary and may end up building a business that feels more like a cage. Speaking with Business Mentor and Strategist, Paul Farmer, we delve into these topics and more, also talking about what strategy even is, and why it's so important. Here is how you can connect with Paul: Business Coaching, Consulting & Strategies | Mentoris Group Paul Farmer | LinkedIn

In this episode, we're diving into a topic that trips up so many women—especially business owners: expecting strategy when you're only getting compliance. Alpha breaks down the crucial difference between compliance (think: tax returns and BAS statements) and strategy (like cash flow planning and profit analysis). If you've ever assumed your accountant or bookkeeper would "just take care of everything," this episode is a must-listen. You'll learn: Why understanding the limits of your financial professionals matters The types of questions to ask to avoid costly assumptions How to bridge the gap between business finances and your personal lifestyle goals Real examples of where money leaks often hide (spoiler: it's not always shopping!) Whether you feel stuck, uncertain, or ready to take action, this episode will help you start asking the right questions—and take back your financial confidence. 👉 Want to clarify your next steps? Book a free 15-minute clarity chat with Alpha https://www.money-madesimple.com.au/claritychat.

Regardless of the business structure that you have, it's important to separate your business and personal finances. You have your own personality and Core Values, and so does your business. Think about how you respond to challenges as a business owner versus as a parent. You will come at the problem very differently. In this episode, I go through: It's easier to see where and when your business is profitable How you can see where to optimize your business (offers, structure, expenses) Visibility of your personal spending, so you can make it better Setting up systems and processes so you can scale and bring on team Exit Strategy / Succession Planning.

In this joyful and eye-opening episode, Alpha is joined by the vibrant Sammy Barnett—nutritionist, speaker, and soon-to-be author—who shares her powerful journey from childhood panic attacks to helping others reconnect with their bodies through food, fun, and self-awareness. Together, they explore the deep links between nutrition, anxiety, and financial wellbeing—and how slowing down, creating space, and aligning with your values can shift everything. We talk about: Why stress affects your body's ability to absorb nutrients (even when you're eating "right") How nervous system overwhelm impacts your money habits The role of values, boundaries, and delegation in building a thriving life Reframing anxiety and fear as fuel for growth and confidence How to budget not just your money, but your energy and time Whether you're navigating perimenopause, parenting, or entrepreneurship, this episode will inspire you to pause, breathe, and listen to what your body—and your bank account—are trying to tell you. ✨ Pre-order Sammy's upcoming book here: https://www.nutritionwithsammy.com.au/anxietythebestteacher 🎤 Learn more about Sammy's workshops and speaking gigs at: https://www.nutritionwithsammy.com.au https://www.instagram.com/nutritionwithsammy/ https://www.linkedin.com/in/sammy-barnett-nutritionist/ https://www.facebook.com/iam.sammybarnett

What do you like to do for fun? If this isn't a question you've asked yourself for a while, then you're OVERDUE to schedule in some fun. If your fun requires funds (money), then make sure your cashflow/budget has money being put aside for you to enjoy your fun without financial regret. It's vital to enjoy fun - it's prioritising you (and let's face it, you're probably holding the world/family around you together), our mental health, physical health and emotional health needs it! This episode is about reminding you of the importance of fun, and how to make sure your finances support it too!

In this episode I talk about that (distant, or not so distant) goal of... retirement! When lifes slows down and we can finally relax and enjoy life... Well, that's so long as there is enough money to support the lifestyle you want. A few questions and concerns that I hear a lot are: How much do I need to retire? How much will I need to live on in retirement? What can I do now to help me get to where I want to go? I touch on each of these. A rough calculation for your Retirement Number to give you an idea of the number you need when you retire (assuming you won't be working anymore at all, and you have paid off all the debt you have by the time you retire, and you want to live a modest retirement) is - 25 (years) x $50,000 (if you're single), or $75,000 (if you're a couple). These amounts - $1,250,000 if you're single, or $1,875,000 if you're a couple are based on suggested annual incomes. You may need more than this in retirement each year, and if so, up that annual number. Next, calculate what you have now in terms of your Current Net Worth (what you own minus what you owe). Then, calculate what you are likely to have over time in terms of savings growth, investment growth and retirement savings (i.e. superannuation) growth. Here are some calculators to help you: Compound interest calculator - Moneysmart.gov.au Superannuation calculator - Moneysmart.gov.au Using these calculators, calculate what you could have in 5, 10 15, or more years' time, to see what you're Projected Net Worth is. Take your Retirement Number and minus your Projected Net Worth at the time you want to retire, to see what your gap is. To help you see how to pay your home loan off faster, here is a helpful calculator - Mortgage Extra Repayment Calculator | Canstar

Beliefs are powerful and have the ability to either derail us or empower us. This week's topic was triggered by a realisation that I client of mine had about her beliefs around money. It was both emotional, heartbreaking and empowering to see her remember what caused one of her core beliefs around money. I wanted to share some of the work I do around money beliefs, so in this episode I go through: What are Beliefs? Why are Beliefs important? What are your Beliefs around money? Where did your Beliefs come from? Test to see if your results match your Beliefs If they do or don't, what you can do about it. It's important to become consciously aware of your Beliefs, so you can start to rewire them!

Micro-investing should form part of everyone's investing strategy, I believe. It's also a great way to get started on your investing journey, and it's a great way to get kids started too! Here are the areas I cover in this episode: Why do you want to invest? What is your timeframe for investing? What is the difference between passive and active investing What is Asset Allocation and why is it important What is Micro-investing What are some providers out there who offer micro-investing How to get kids involved in micro-investing. If you would like a guide that covers most of this, here is a link to a free guide I've put together. Enjoy!

When it comes to investing, many women feel hesitant, unsure, or even fearful—and that's completely understandable. We've worked hard for our money and naturally want to protect it. But what if the key to investing confidently isn't about doing more, but rather doing what aligns with who you are? In this episode I go through some areas to help you understand this better, including: Start simple - wisdom from Warren Buffet Know your risk appetite (for debt and investing) Trading v investing - understand the difference Trust yourself. Investing is not about being fearless. It's about being informed and aligned. Take the time to understand your personality, trust your instincts, and choose the path that supports the future you want to build.

If you're experiencing indecision and a lack of confidence managing money and growing wealth, this episode can help you understand why and move past it. Here are the 5 elements I go through: Vision and Values - be clear on what lifestyle you want and why Learn - where you have knowledge gaps, find books and potentially courses to help you find out more Listen - to people who have done what you want to do and listen to how they got where they are. Then, very importantly, listen to your own intuition in terms of what is right for you! Take Action - linking back to the last 3 elements, write down what your goals are and the action steps you want to take. Keep this list and look over it at the end of a year, so you can see how far you've come Test and Measure - not everything you do will be a financial success. See "failures" as a lesson, rather than something that defines your sense of identity. Enjoy!

Uncertainty is part of life. The dial on this is pretty high at the moment though - structures are being challenged around the world, and money market charts are looking like a rollercoaster. How does that impact how you think about money, and also how you manage your money? That's what I cover in this week's episode - there are 3 elements that I take you through. It is simple, but not always easy.

Living day to day it can seem difficult to break out of this and make changes. Habits can feel difficult to break. So, what are 3 simple ways to get some momentum when it comes to your money? Have a listen to this episode to find out! In summary, I go through: Invest regularly (and how) Develop a savings habit (and how) Review your insurances (you can find hundreds of dollars!)

As women striving for financial empowerment, we often think we can manage everything ourselves—or that one advisor will do the trick. But true financial clarity and confidence come from building a team of professionals who each bring a unique skill set to the table. In this episode, I'm joined by Nicola, a passionate tax accountant, and Cassie, a finance broker with a knack for helping clients turn dreams into doable financial goals. The conversation revealed a powerful truth: your business and personal finances are deeply connected, and navigating them with confidence requires strategic support, not just compliance. If you want to come along to our in-person workshop on Tuesday 13 May 2025, check out the details here - Practical Money Workshop for Entrepreneurs

Human Design is a great tool for understanding how you operate in multiple areas of your life. It also helps to de-personalise events that happen within a relationship. Plus, it helps you understand your kids and family dynamics to the point where you can either prevent conflict or diffuse it easier when it happens. From a money perspective, there is a "money line"! We talk about that in this episode, and how it plays out in practice when you do and when you don't have this money line. If you don't know what your chart is, here is where you can Generate your free Human Design chart! To find out more about Fiona and what she does, here is where you can find her: https://www.instagram.com/being.seen.human.design/ https://www.beingseenhumandesign.com/

Do you get caught on the treadmill of "doing", rather than "being"? I often hear the "we are Human Beings, not Human Doings", and while it's catchy phrase, it does right true. Getting caught up in the "doing" is something I'm constantly trying to break free from, and if this is something you can relate to, then this episode can be a reminder to help you. The 5 elements I go through in this episode are: Being present Practicing gratitude Finding clarity Being intentional Being purposeful. It sounds easy, and while it's simple, it's not always easy. This episode takes you through how these link together and build on each other, and how to actually do them. The workshop I mentioned, if you would like more information, you can find it here - Practical Money Workshop for Entrepreneurs

Financial independence is important. What is it though, and how do you achieve it? That's what this episode covers! Focusing on: Having a bank account in your sole name, that only you can access Knowing where your money is going and coming from Understanding anything that you are being asked to sign Having control of what you spend, without guilt or control. Here is a link to free masterclasses I've given, including a topic on money mindset - https://www.money-madesimple.com.au/WebinarSeriesReplay As mentioned, here are the links to my social media accounts, if you want to find out more money tips: https://www.facebook.com/alpha.schulte https://www.instagram.com/alphamoneymadesimple/ https://www.linkedin.com/in/alphaschulte/

Here are the Wealth Quadrant elements: Income minus Expenses Assets (what you own) minus Liabilities (what you owe) With the money that you have left over each month (aka once you deduct your expenses from your income) - hopefully you have money left over (if you don't, then that's a whole different topic!), you invest it in Assets. These Assets are how you build wealth. Assets are something that you invest in, and the value of your investment will grow over time, and you also preferably receive an income from this asset. Small business owners often see their business as their asset. However, if it isn't an asset that could run without you, or be sold in the future, it is purely the income-generating vehicle. Recognizing this is important, as once you do, then you can more clearly start to build wealth! If you're in Brisbane, here is an in-person workshop you might be interested in. Being held on Tuesday 13 May from 9:30am to 2:00pm in Newstead, "Practical Money Workshop for Entrepreneurs": https://www.money-madesimple.com.au/practical-money

This week I interview my 80 year old mother and my 9 year old daughter, about money. We are all at different times on our life and money journey, and in this episode that becomes very obvious! My mother's experiences are very different from mine, yet I learned a lot about money from both my parents. My daughter is also learning about money from me and my husband, and her journey will be different. Sharing experiences and wisdom is how we learn, so enjoy!

What does the feeling of being in "flow" mean to you? For me it means ease and calm and when things just work. How does that sound to you? In this week's episode I talk about how you can achieve that, and what I do to keep in flow and get back into flow (because let's face it, sometimes life throws some curveballs!). Here are the 5 components: Clarity of Vision Purposeful Money System (for managing your money) Automation (to make things simpler) Boundaries (to keep your time and energy strong) Enjoy!

A great conversation about an important money topic that impacts most of us - financing to buy a home, or an investment property, or a business. Cassie from Grow Well Financial talks about some of the main pain points she sees, and how you can prepare yourself to overcome them. Lots of great tips and information gems in this conversation. Here is where you can contact Cassie and find out more about Grow Well Financial: [email protected] www.growwrellfinancial.com https://www.instagram.com/growwellfinancial/ https://www.facebook.com/GrowWellFinancial The masterclass "Money Mindset Strategies for Female Entrepreneurs", which I'm hosting on 12 March, you can find out more about here - https://www.money-madesimple.com.au/masterclass

It's easy to feel overwhelmed about money when there are so many unknowns - how much do you need in retirement? How do you invest? Do you invest while paying off debt? What else should you be doing? The questions feel like they are endless, and then comes the "how do I set financial goals and then actually achieve them? This episode is designed to help you answer some of these questions, specifically, how to set financial goals for: Paying off debt (be it personal debt or your home loan) Funding your lifestyle (what money you need and want to enjoy life) Wealth creation (how do you do this, and how much do you need) Retirement (how much do you need, and what kind of lifestyle do you want) Legacy (do you want to leave anything for children or charity - there is no right or wrong answer). On 12 March I'm hosting an online Masterclass called "Money Mindset Strategies for Female Entrepreneurs". If you would like to join, click here - MASTERCLASS: Money Mindset for Female Entrepreneurs

What an awesome conversation this week with Michelle Saunderson from Those 2 Sisters! We talked about so many relevant topics, such as overcoming/working on our money stories, building a successful business as an iterative process over time, building trust in a business partnership (even when it's with your sister), the growth and evolution of women as we enter new stages of life (both the joy and the challenges that go with that!), and so much more. So much wisdom being shared, and Michelle has a great story! Here are the links to the resources mentioned in the episode: The Those 2 Sisters website - https://www.those2sisters.com Facebook - https://www.facebook.com/Th0se2sisters/ Instagram - https://www.instagram.com/those2sisters_/ Retreats - https://www.those2sisters.com/retreats Pre-order their new book - https://www.those2sisters.au/alignedwomanswayvol2 Cacao & Kunyin workshop on 1 March - https://www.those2sisters.com/event-details/cacao-and-kunyin-march

In this episode I take you through the 5 pitfalls I see many people fall into when it comes to money, and they revolve around: Acknowledge your progress Don't underestimate the power of compounding Big actions aren't necessary Don't confuse avoidance for a lack of ability Stop judging yourself about not taking action sooner. This is a powerful episode, and hopefully one that helps propel you forwards!

Our capability to manage your money isn't just about knowing what to do, it's also being aware of what is holding you back - this is primarily routed in your Beliefs and Stories/Experiences, mainly from your childhood and formative years. Knowing about mindset is one thing, knowing how to improve it is another. In this episode, I take you through the process I use and how to help yourself when triggers come and your results stagnate or don't work. It's important to have strategies to push through, so you can achieve the changes and improvements that you want. For more detail, here is a free video and workbook that goes into more detail - Money Mindset Makeover for Female Entrepreneurs

When we set goals, it's usually to do something or have something more than we have right now. Do you know what you will do when that "something more" happens? If we don't have a plan or purpose for this addition we are working to bring into our reality, it is too easy for this to just slip away because it doesn't have a place in our life. In this episode I go through some ways to help you make sure this doesn't happen, so when you earn more, your money has somewhere intentional to go. Here are the steps I take you through: Having a purpose for your money Conscious spending that is aligned with your purpose Invest/Save with a goal in mind for your present and future Book in fun Celebrate when you achieve your goals.

Planning is one thing. Taking action that will help you achieve what is in your plan is another. Having a strategy to do this is important, as without it, you will bend and sway with things that come along, and get easily distracted (aka Shiny Object Syndrome :-)). In this episode, I take you through the 5 elements that I have been taught, used and refined over the last few years and they are a gamechanger! Imagine being clear, aligned and productive! There is still the possibility that you will procrastinate, but hey, you're human, and sometimes procrastinating is good - gives you time to ponder and decide if what you are doing is actually the right thing in that moment. It's also good to allow yourself to be flexible and adaptable - just because you set up your goals and plans, doesn't mean you can't change them. You are in charge of your life and business! Here are the 5 strategies that will help you do all those things: Word of the Year Visualization Schedule it in (especially white space) Prioritize Take action (aligned to your goals).

The beginning of the year is a great time to take stock of where you're at, and what you want to achieve. If you did any planning in the lead up to the New Year, then now is the time to clarify the actions you need to take so you can hit your goals. In this episode, I take you through the process I use: Identify or confirm your financial goals (and I'll talk you through how to set financial goals) Why categorizing your money is so important and how to do it How to budget the easy way. Please reach out if you have any questions, and let me know if this helped you!

While retirement might still seem a while away, you probably already realize how quickly time flies. Making sure you are optimizing your cashflow, and putting what you can away for retirement - be it inside a government structure like Superannuation, a 401k, Pension Plans, etc, or separately saving and investing specifically for retirement, is important. In this episode I break the Superannuation system down, as well as the retirement saving/investing process overall. It can be as simple or as complicated as you choose to make it.

Without clarity of Vision, it's difficult to know where you're headed. It makes goal setting almost impossible, and plans become completely random. In this episode, I include a webinar replay where I take you through the process I use, and everything falls more easily into place. There is reflection time is also included, as is money mindset and a habits review. With this, it's more likely that you will stick to the goals and plans you make, as your habits and mindset are supportive!

Christmas can be a time of great joy, but also great stress and overwhelm. It's certainly a time for finding as many ways to reduce the overwhelm as possible. This episode goes through some of the financial ways to help with this - from the cost of food (especially if you're entertaining), and also alternative present ideas that are based on being thoughtful and supportive, rather than big and shiny. I hope they provide you with some ideas that you can use. Let me know how you go!

What does it take to become financially organised? It is a combination of: Mindset Prioritised Tasks Systems and automation These are the elements I take you through in this episode. Here is the free Personal Finances Checklist I refer to - https://www.money-madesimple.com.au/checklist

Learn about the 3 components to securing your financial future: Time Clarity - look to the future to clarify your present Action - aligned to your values and lifestyle vision Here is my special Black Friday offer that shows you how to do this! Here are some calculators to help you: Compound earnings Paying off your mortgage Retirement balance

In this week's episode we hear from Kylie Hayes about her personal and business journey. At the core of it is following your intuition, speaking up, and having confidence in yourself. She started out as a mathematician who travelled the world as a management consultant, and then helped her husband build a successful winery brand, by setting up the systems and process, and managing the people side of the business. Now she helps other business owners in this operational space, so they can actually enjoy life and make money! Here is where you can find Kylie: www.tastebizsuccess.com Instagram: @tastebizsuccess

After being asked so many times - "how do I make my chocolate" and all the other things I make, and "how do I fit everything in?", I decided to do an episode showing you how! In this episode I show you how I make: Vegan, refined sugar-free chocolate Almond milk Moisturising Body scrub In a previous episode I showed you how I make my own Spelt Sourdough Bread. Making your own is a great way to: know exactly what is in the foods you are eating reduce consumption of refined sugars, excess salt and preservatives manage the cost of the more expensive foods that just keep going up and up. For the full recipes, please read my blog here.

Running a business can certainly be challenging, and many business don't survive their first 3 years. Lana Surnina from On Tap Digital has found a way to make success more of a certainty! In this conversation she talks about her own business journey, and why what she is doing now helps her clients become more profitable.

How can I make more money? How can I keep more of the money I'm making? How do I invest? What about Self-Managed Super Funds? How do I invest for my kids? Can I pay my mortgage and invest at the same time? Do you ask yourself some (or all) of these questions, and more? In this episode I go through some of the mindset behind money, as well as answering some of these fundamental questions.

Lisa Rowland shares how she has found a way to make money on the side, while also saving money on household items and going low tox in the process, with Melaleuca Wellness. She shares her journey and also her passion for what this lifestyle offers!

Money is energy, and energy flows. Wouldn't it feel nicer to be IN the flow, rather than AGAINST the flow of money? In this week's episode, I go through how to bring your mindset and systems together, to be IN the flow of financial abundance. Also, here is the link to a new mini-program I'm running on this called Money Flow (starting 28 October) - www.money-madesimple.com.au/flow

Understanding our Core Values give us the foundation to see where things are and aren't flowing in our money life (and life in general). Aligning your Values and Money makes life SO much easier and more abundant. In this episode I talk about: What Core Values are and why they are important Your Personal Core Values Your Business Core Values Aligning your Core Values (both personal and business) to how you manage your money and why this will help make money become easier and flow more in your life.

Investing is something that we all need to be doing. Reaching financial independence before we retire, and having a comfortable retirement can only happen when we invest regularly over time. The thing is, where do we learn how to invest? There are lots of courses out there, but choosing one can seem overwhelming and potentially expensive. There are some basics that you need to know, so you can even get to the point of choosing what direction to take. We underestimate what we already know - picked up over the years from the news, friends, family and just observation. Add this to some fundamental knowledge, and you can get started. That's what this episode is about - helping you bring all this together, so you can start investing and building wealth for your future and the future of your family. This was also recorded as a webinar with visuals, so if you would like to watch this, here is the link: https://www.money-madesimple.com.au/WebinarSeriesReplay

There are SO many apps out there. Not all are helpful, and some cost a lot of money over time. In this week's episode I take you through the money apps I use and why. Also, I don't pay for any of these. They each offer a service (which I use and pay for that way), and these apps purely help to make life easier. During the episode I talk about micro-investing, and here is a Free Guide that I have put together which explains what micro-investing is, and goes through the main providers: https://www.money-madesimple.com.au/micro

Money Systems will help free up your mind and reduce stress and overwhelm about money. Knowing what is going on and where you're money is going makes a huge difference. In this episode I talk about: What a Money System is Why you need to understand your business finances and what systems are currently being used, and whether they are useful to you How to build personal wealth through a money system to manage your personal finances Aligning your money systems to your lifestyle vision - getting clear on where you're headed. If you would like some help reviewing how you are managing your money, here is the Money Management Assessment that I mention - Money Management Assessment (money-madesimple.com.au)

What does it mean to "future-proof your finances"? It means to look into the future and make decisions in the present to help you achieve the future lifestyle you want. There are often a few obstacles to this: 1) Knowing what you want; and 2) How to know what to do in the present. This episode helps you with Number 2 (I have previous episodes where I go through Number 1). Looking at you currently Own (like your house and superannuation) and Owe (like a mortgage and other personal debt), is what I'll take you through. Then, how to plan now for larger expenses in the future, so you can be prepared (including going on holidays, buying a new car, or paying for school fees). Our present will become the future, so let's start with the future in mind, and work our way back.