Money with Alpha

Financial Literacy has never been so important as now! There is so much uncertainty in the world, and so many things out of our control. The only thing in our control is how we respond to our financial situation. It is very difficult to do that however, without knowledge. Knowledge is power, as the saying goes, and financial knowledge gives women the power to make better financial decisions, be financially confident and independent. SO many things flow from this. There is some alarming data that was recently released by the Australian Taxation Office (ATO), which is what triggered my slight rant in this episode. In addition to the rant, I also go through ways that you can make changes to your financial situation. Here is a link I mention about my free micro-investing guide:https://www.money-madesimple.com.au/investwith$1

Fi Qian is an inspiration. She was made redundant from her nursing job just before the pandemic in 2020, and being passionate about fitness and active wear, decided to start her own line of active wear called Sunfox Active. Since then she has worked hard to build her brand and source beautiful fabrics (the look and feel), and designs that are comfortable and trendy. Plus, they are affordable! In this episode Fi talks about what she did and what her plans are. How important the mindset side is, and how taking action rather than over thinking is how she has got herself to where she is. Especially being a single mum with 3 young kids to be a role model for! To check out Sunfox Active: - Online store at https://sunfoxactive.com.au/ - On Facebook - On Instagram. Enjoy!

What an incredible discussion with Dr Laura Williams from Know Your Own Psychology. As a Clinical Psychologist who specialised in trauma, and then experienced her own horribly traumatic experience, she has a wealth of personal and professional knowledge to share. The link between money and trauma (which isn't always what you think it is) is strong, and Dr Laura talks about how that plays out in the world of a woman. Here are the links we spoke about in the episode: https://www.knowyourownpsychology.com/ https://www.facebook.com/DrLAWill https://www.instagram.com/drlawilliams

Having the ability to choose how you live your life is powerful. Feeling empowered allows you to be hopeful, make plans, make changes, take charge. It also means you aren't reliant on anyone for your money, and that really impacts your self-worth. Financial literacy and confidence is important, and especially for women who have taken a break to look after children or family members. This episode goes through ways to become more confident and powerful when it comes to money, so you can make choices. The lifestyle visioning mini-course I mentioned can be found here - www.moneylifestylevision.com Enjoy!

Having your photo taken is often something people avoid. Mind you, in the times we live in now, where we carry photos and mini-computers in our pockets, having your photo taken is something that happens a lot. That doesn't mean you like what you see. If anything it probably adds to the cringe factor you feel when you see the photo. Fiona Lindberg has been photographing people for over 20 years and she is VERY good at it. The reason she is good at it is her unique ability to see beyond the image, and through to the person themselves. I have personally experienced a Personal Branding photoshoot with Fiona, and she has a remarkable way of making you feel relaxed, seen and beautiful. Our conversation also goes into the stories we tell ourselves, how we hold ourselves back, and how as a collective of women we can see one another's "weirdness" and play it back as part of the "superhero" qualities that we probably don't even recognise in ourselves. Fiona focuses on women over 40, and has an "Every/Body Campaign" that shows the beautiful of the human form, illuminating the inner beauty that is in each of us. Check out Fiona's amazing images and you too can have your inner beauty captured - https://www.beautifulimagesphotography.com.au

Being able to multi-task is something often associated with women. It's usually what we do out of necessity - trying to fit so many things into a single day! However, it is not optimal for our brain functioning, nor for how well we actually perform at each individual task. Not to mention it's exhausting to multi-task! However, when it comes to money, multi-tasking is completely OK. In fact it's an important way to make sure you get to the goal lifestyle that you want (hopefully you know where you're headed in the first place). What I mean by money multi-tasking is that you can save, pay off debt AND invest, all at the same time. There is a hierarchy of priority though, which I go through in this episode. This is something that while not new or particularly innovative, it is a financial gamechanger! Here are the links I mention in the episode: Money & Lifestyle Vision Mini-Course How to Invest with Only $1 Free Guide

What you believe to be true isn't necessarily the actual truth, nor is it something that will help you get to where you want to go. In this episode, Alpha takes you through what a limiting belief is, and how it can impact both your money and your life. AND, why it is very important to be aware of these beliefs, as we turn them into stories that become part of who we think we are. You can replace these limiting beliefs with beliefs and stories that help you achieve the lifestyle you want!

Feeling a bit flat and wanting to regain a sense of passion for life is something that often comes after years of taking care of others - be they children, parents, or other people. Identifying and understanding your Core Values, developing your Lifestyle Vision, and then setting up your Money to match is a way to get things back on track. This episode talks about these important areas, as well as the mindset needed to help you get there. This is part information, part pep talk.

A great episode for those who are either wanting to get back into the workforce, change careers or are dissatisfied with the job they are in. Helen Thomas is a Career Design Coach and helps you by using the same practical strategies Helen has used to help herself and many other mid-career professionals. Helen will help you to think differently about what's possible and get clear about what you want, so you can make your next career move with confidence. To find out more about Helen, head to her website, click here -> helenthomas.com.au.

While not the nicest money topic to think about, planning for your future so your loved ones are taken care of in the way you want, is important. Thankfully, it's not something that you need to do on a regular basis. For the most part, you go through this all once and after that you only need to make changes when it's necessary. This podcast takes you through what you need to do, why you need to do it, and when you need to make sure it's taken care of, for: - Personal Insurances (either inside or outside of Superannuation) - Estate Planning (Will, Enduring Power of Attorney and more) - Giving Back (the happier side of leaving a legacy!)

Making more money is something we all want, and Donna Hann helps women do just that - by either helping them during the start up phase, or to grow an existing business. Donna is a Coach, Business Strategist, online course creator (her "Ready to Rise" program), and Mum. She has grown and sold 3 successful business (the last being an award winning dance studio). As a business coach, Donna helps ambitious entrepreneurial Mum's transform from feelin goverwhelmed, exhausted and frustrated into savvy, fulfilled and energised women; ready to rise to the next level in business. In this episode, Alpha speaks with Donna about what it takes to build a profitable business. The best way to fast track this is to work with someone who has done this before and can help with your strategy, plan, systems and processes. And then there's the mindset and values! This discussion with Donna is full of great, useful information. Here are the links that are mentioned during this episode: Free Self Care Plan - https://www.donnahann.com/selfcare Free Planner - https://www.donnahann.com/freeplanner Instagram - https://www.instagram.com/donna_hann_sib/

In this episode, Alpha speaks with Annette Dickson, founder of Cashflow Mastery about money, investing, mindset and life. Annette is an experienced property investor, and she helps others get started with clarity and a strategy behind them. It's important to know what you're doing when it comes to property investing - there is a lot of money involved! Annette also talks about mindset and how important it is to acknowledge the stories and limiting beliefs we tell ourselves - either picked up in childhood, or things we tell oursleves now. Some hold us back. Lots of pearls of wisdom in this episode - enjoy!

In today's episode, Alpha speaks with Sharon from Sharon Joy Coaching about Money, Business and Life. Sharon shares her Money Journey and how it has influenced the decisions she has made. There was also a personal sadness that triggered her and her husband to make some fundamental changes in their life, which has lead them to where they are today - entrepreneurs, and part owners in a brewery! Sharon shares some great insights into running an impactful business (while also make sure that the numbers are part of the equation). Her Clarity Challenge begins this week, so here is the link to join in! https://www.sharonjoycoaching.com/challenge The free Start Up guide that Sharon mentions you can get access to here - https://www.sharonjoycoaching.com/startup For more information on Sharon and what she does - https://www.instagram.com/sharonjoycoaching/

Children are so honest. My 6 year old daughter is no exception. She hears and sees a lot of talk about money in our household, and I was curious to see what her take on money would be. This is a candid look at how a 6 year old sees what money is and why it's useful!

Increasing interest rates is not something we have been used to over the last decade or so. There has been a certain amount of fear surrounding interest rates going up. The bigger concern though is inflation in general. In this episode I go through what the impacts are of interest rates and inflation, and some things you can do to combat this and be prepared for more financial change.

With life comes a LOT of experience. So, who better to interview than someone who has lived a varied and full life - my mother! I ask my mother questions about what it was like starting life at the end of World War 2 in Austria, and how her early childhood experiences and journey to Australia shaped her view of money. Lots of ups and downs and some confronting insights are shared.

There are things you can do to make things like tax returns and organising your money and finances at the end of the Financial Year much easier. Tips for organising and saving money! I go through things I do, and also some tips that you might not know in relation to your superannuation. Note: as mentioned in this episode, here is a link to the ATO form - click here

In this episode I speak with Em Gee, a Business & Mindset Coach from Be Think Do Coaching. In less than five years as a solo-preneur Em Gee has become a best selling author and international business and mindset coach to women all over the world. Her unwavering belief in all women to shine as leaders in their own fields, has led her to teach 'unstoppability' as a quality already there to be unleashed from within every single business owner she works with. As a mum of two young girls, Em Gee prides herself on being transparent, authentic and true to her values, all while scaling her business in ways not everyone expects. Thinking out of the box is her style, paving the way for others to do the same and get equally unstoppable results. Listen to Em Gee's journey and take on money!

What does comfortable mean, and why is it so disastrous when it comes to needing or wanting to make financial changes in your life? After all, it's "fine" OK? Unless something dramatic happens in life, we tend to cruise along and time passes. When it comes to money, time = compounding, so you can't afford to waste a moment! Figure out how to break out of feeling comfortable and make the changes you need to make now, rather than feeling comfortable for too long and missing out on building wealth.

There needs to be a balance between your mental, physical and financial selves. Neglecting one for too long can cause you to feel unbalanced and stressed. Doing ONE SMALL THING can help. Listen in to find out how.

There are so many things that underpin our relationship with money. The way to move from money overwhelm to peace of mind is to act with deliberate intention, rather than random decisions that may or may not benefit you. Knowing your Core Values is a fundamental way to make this transformation happen.

Are you part of the Sandwich Generation? For those who haven't heard of this, it is people who are taking care of ageing parents (and possibly even grandparents) as well as their own young children. In Australia, the typical demographic for this are women in their mid to late 40s who are also employed. Nearly 50% of adults in this generation will find themselves caring for ageing parents and their children while balancing work and social lives. Can you relate to this? I know I certainly can. In this episode I go through my own experiences, and things that I've done to help with the extra workload!

Buy Now Pay Later has been around for hundreds of years. Not in it's current form, but the concept of personal debt is nothing new. The key is to spend less than you earn. That said, we have all been overwhelmed by debt at some point in our lives. This podcast goes through a step by step strategy for what to do to get out of this kind of debt.

This episode might have an attention seeking title, but there are no "secrets" or "magic pills" when it comes to being a "success" with money. What does being a success even mean? The most important thing that you can do is to TAKE ACTION! And, to take that action consistently and regularly. Alpha helps you to push through the inertia to get your money sorted, one step at a time.

Reading is a great way to chill out and also to learn new things, or to have things you have read or experienced before reinforced. There are some really good money books out there, and in this podcast I go through my favourites. I also go through my non-money book favourites too (fancy some Agatha Christie, or Ken Follett, or Simon Sinek???). Sharing what we read is a great human experience.

Ah retirement. It's that thing we know will eventually come, but planning for it seems either too hard or just too far in the future. This podcast takes you through 5 things you can do to boost your retirement savings. These are things you can either put on autopilot, or you only have to do once and then it's done! 1. Contribute Extra Each Time You're Paid 2. Review Your Insurances Inside Super 3. Review Administration & Investment Fees 4. Compare Investment Performance of other funds 5. Consider Your Investment Risk Profile

Money can be a complex topic, but in reality money itself is simple. We make it complex with 7 Common Money Fears: 1. Money is complicated 2. What if I make a mistake and the market crashes? 3. What if I lose my job and can't recover financially? 4. What if I'm always living paycheck to paycheck? 5. I'm never going to get out of debt 6. I'm never going to have enough money 7. What will friends and family think of me? Alpha will take you through each of these and provide examples and ideas on what to do to combat these fears. It's time to take back your power over money, and start to live the life YOU want!

Money is often associated with investing, even though it encompasses so much more! This episode looks at investing from the perspective that anyone can do it, with as little as $1. Micro-investing is growing in popularity and opens the doors for everyone to be able to invest - no matter how much or little money you have. Listen as Alpha recounts her own personal experience with micro-investing, and how you can also get started.

Following on from the Lifestyle Visioning exercise, this is the next step to help you achieve your desired lifestyle - understanding your WHY, which will lead you to the HOW. The Toddler Approach to questioning exercise is something I take you through!

Does thinking about money overwhelm you? There is SO much to know, and where do you start? Well, this episode takes you back to basics and simplifies the process because it doesn't need to be complicated. Alpha takes you through a practical exercise that will help you feel less overwhelmed. When something feels overwhelming, the best thing to do is to chunk it down and take one step at a time. Start those simple steps today!

Many mums and dads want to put some money away for their kids, for all sorts of reasons - maybe there will be braces needed at some point, or private school fees, or extra tutoring, or university, or.... There could be a long list. Where do you start?! It can feel like a minefield, and it's too easy to put off taking action because it seems so difficult. It's actually easier and simpler than you think! This episode of Money with Alpha takes you through the options, and goes through what Alpha does in a simple, easy to follow way. Join Alpha for this informative episode of Money with Alpha!