How To Money

Teaching the next generation about money with Michelle Bowes

Sun, 11 Sep 2022 08:11:00 -0000

On this episode of The How To Money Podcast, Kate Campbell chats to Michelle Bowes about having money conversations with the young people in your life. Many of us wish we learnt about money in school, so in this episode we come up with some helpful ways to change this for the next generation of young Australians.

We chat about learning about money alongside the young people in your lives, what 15 year old Kate should know when starting her first part time job, and figuring out the balance between saving, spending and giving.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback, or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review on Apple Podcasts or Spotify. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Episode Recorded: August 2022

Get the big money decisions right & buy the damn latte ft. Vince Scully

Sat, 02 Jul 2022 07:00:00 -0000

Buy the damn latte!

In this episode of the How To Money podcast, Kate Campbell has a wide-ranging chat with Vince Scully, financial adviser at Life Sherpa, money expert and author of Live the Life You Want With the Money You Have.

Vince reminds us to work on getting the big money decisions right (like where you live and what you drive), rather than focusing too much on the small things like whether to buy coffee today. Plus, he chats about his spending framework, the search for enough and some of his thoughts on life & money at the moment.

Live the Life You Want With the Money You Have: majorstreet.com.au/products/live-the-life-you-want-with-the-money-you-have-vince-scully

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 13th May 2022

Building a Diversified Investment Portfolio | Stockspot

Mon, 13 Jun 2022 06:30:00 -0000

In this episode of the How To Money podcast, Kate Campbell chats to Chris Brycki from Stockspot, a diversified Australian robo-adviser.

Chris chats about the building blocks of a diversified investment portfolio, why is diversification important and how should we be thinking about it when investing and how risk plays into the way we allocate our investment portfolio.

StockSpot Website: www.stockspot.com.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 13th May 2022

Side Hustle & Small Business Starter Pack

Sat, 28 May 2022 23:00:00 -0000

In this episode of the How To Money podcast, Kate Campbell chats to Sharon Crombie from MicroChilli, a remote bookkeeping and advisory service for small businesses.

Sharon shares some great ideas for listeners who may be interested in starting their own side hustle or small business, including pricing your products and services, cost effective marketing, hiring and training employees and dealing with founder burnout.

MicroChilli Website: microchilli.com.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 7th April 2022

Super can be simple right? | Thoughts from a financial adviser

Sun, 08 May 2022 06:30:00 -0000

In this episode of the How To Money podcast, Kate Campbell chats to Andy Darroch, an Australian financial adviser, about superannuation and making sure we’re doing the most for our retirement.

Andy and Kate have a wide ranging discussion on super, including:

👉 Asset allocation

👉 Fees & performance

👉 Does size matter?

👉 Active vs passive management

👉 No one size fits all

👉 Plus, some other important factors when choosing a super fund

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Andrew Darroch is an Authorised Representative of Advise Me Today Pty Ltd: Authorised Representative Number: 1252820. Advise Me Today Pty Ltd is a Corporate Authorised Representative (Number 1289358) and is authorised through Independent Financial Advisers Australia, AFSL 464629. To find out more about where a financial adviser has worked, their qualifications, training, memberships of professional bodies and what products they can advise on, search the MoneySmart Financial Adviser Register.

Episode Recorded: 7th April 2022

Making Investment Admin Less Painful with Sharesight

Sat, 30 Apr 2022 23:15:00 -0000

In this episode of the How To Money podcast, Kate Campbell chats to Douglas Morris, the CEO of Sharesight, a digital portfolio management platform.

We talk about the less exciting but very important part of investing, the portfolio management and admin side of things, and cover off on what new investors need to be aware of and keep track of after they buy their first investment.

We also discuss the difference between HINs, TFNs and account numbers, how can investors keep track of their portfolios overall performance and ways to make our lives easier as investors come tax time.

Sharesight: sharesight.com/au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 17/03/2022

Financial Literacy for Indigenous Australians | Ft. Larisha Jerome

Mon, 25 Apr 2022 02:00:00 -0000

In this episode of the How To Money podcast, Kate Campbell chats to Larisha Jerome, Community Development & Project Officer at the First Nations Foundation.

Larisha shares some of the background behind the First Nations economic system, challenges young Indigenous Australians face when it comes to their money, overcoming money shame and self limiting beliefs and some of the resources available to young Indigenous Australians who want to improve their finances.

First Nations Foundation: firstnationsfoundation.org.au/my-money-dream

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 16/03/2022

Becoming Financially Independent in Australia | Feat. Lacey Filipich

Sun, 27 Mar 2022 05:00:00 -0000

Are you interested in the idea of financial independence?

In this episode of the How To Money Podcast, Lacey Filipich gives us a crash course on achieving financial independence in Australia.

Lacey covers her motivations towards investing from an early age, making choices along your personal finance journey, the concept of taking mini-retirements, plus, some great resources to help you get started!

Lacey’s Book: www.moneyschool.org.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 17/02/2022

How Can We Give More Effectively? | Feat. Luke Freeman

Tue, 15 Mar 2022 22:10:00 -0000

Giving now vs giving later?

On this episode of the How To Money podcast, Kate Campbell chats to Luke Freeman who is the Head of Giving What We Can at The Centre for Effective Altruism.

Luke introduces us to the ideas behind giving effectively, how much it actually costs to save a life, some critical problems we are facing and the organisations working towards solving them, and how to give more in line with your values.

FREE BOOK: https://bit.ly/howtomoneygwwc

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 15/02/2022

Healthy Money Habits For Young Australians

Tue, 08 Mar 2022 11:00:00 -0000

On this episode of the How To Money podcast, Liz Mclardy shares her thoughts on teaching your children (and the other young people in your life) healthy money habits.

We touch on how to start the conversation about money and making sure it’s not a taboo topic, the pocket money dilemma, tips on encouraging a healthy balance between saving, spending and giving to others and encouraging kids to take healthy risks with jobs, money and businesses.

Get in contact with Liz: lizmclardy.com

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback, or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on Apple Podcasts. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Episode Recorded: 17/02/2022

First Homes & Ethical Investing | Feat. Nicole Haddow

Mon, 10 Jan 2022 01:00:00 -0000

On this episode of the How To Money podcast, Nicole Haddow shares some of her biggest lessons from the first home buying process and purchasing a home in regional Victoria during COVID-19.

Nicole also shares her journey into ethical investing over the past few years, what she’s learned so far and her lessons for others just getting started in this space (along with a teaser for her upcoming book, The Ethical Investor).

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 03/11/2021

Buying Your First Home in 2022

Wed, 22 Dec 2021 09:00:00 -0000

Are you thinking about buying a property in 2022? Then this episode is for you!

Real Estate Agent Todd Sloan joins Kate Campbell on the How To Money Podcast, to discuss everything first home buyers need to know heading into 2022.

Todd shares his advice on knowing whether you’re ready to buy a property, how to assemble your expert team, the difference between buying a primary residence and investment property, what not to say to a real estate agent and the importance of asking questions and doing your research.

Show Notes: howtomoney.online/how-to-money-podcast

Todd’s Book: Australia's Home Buying Guide

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Episode Recorded: 14/12/2021

Careers in Finance & Getting Your Foot in The Door

Sun, 28 Nov 2021 04:40:00 -0000

Throw out your stereotypes of the finance industry, as Camilla Love (CEO of eInvest), gives you a fresh take on the myriad of opportunities available in the industry. Whether you're a numbers person or want to design the next big thing, there's a pathway for you in finance.

In this episode of How To Money, Camilla shares more about her company eInvest and how active ETFs work, the many awesome opportunities available in the financial services industry, some of the best educational courses for those interested in finance, how females can get their start in investment roles and great suggestions for building meaningful relationships within the industry.

Show Notes: howtomoney.online/how-to-money-podcast

eInvest Website: einvest.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Making an Impact With Your Money | Feat. Tanja Hester

Sun, 07 Nov 2021 00:23:00 -0000

Do you want to use your money and time to challenge the status quo?

In this episode of How To Money, Kate Campbell chats to the wonderful Tanja Hester from the US, who is an influential figure in the financial independence and work optional movement. She's the author of Work Optional, and her latest book Wallet Activism is being released in late 2021.

Money doesn't exist in a vacuum, and in today's episode Tanja talks about ways we can be more intentional with our money. This includes some new ideas from her upcoming book, Wallet Activism, whether the individual financial choices we make actually have an impact, and practical solutions on how we can use every dollar we spend, earn and save as a force for change.

Show Notes: howtomoney.online/how-to-money-podcast

Check out Tanja Hester's website: Our Next Life

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

What Happens When I Die? | Feat. Australian Unity

Sun, 10 Oct 2021 21:30:00 -0000

This is a really important topic for 20 and 30 years olds to think about!

On this episode of the How To Money podcast, Kate Campbell interviews Anna Hacker, who heads up Australian Unity Trustees Legal Services, and also hosts a great podcast, What Happens When I Die?

Anna shares some of the most important reasons to have open conversations about your wishes while you're alive, why it's critical to get your superannuation binding death nomination sorted, what happens to all our stuff and who can we leave it to, our digital footprint and talking about our funeral plans.

Show Notes: howtomoney.online/how-to-money-podcast

Listen to the What Happens When I Die? Podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Becoming a Super Star in 2021 | Feat. Rest Super

Tue, 21 Sep 2021 11:15:00 -0000

On this episode of the How To Money podcast, Kate Campbell interviews Vicki Doyle, the CEO of Rest Super, a large Australian industry super fund.

Vicki shares her thoughts on the importance of super for young Australians, how to reframe our views on putting money away for our retirement, understanding our super funds fees and the approach Rest Super takes to ethical investing for members.

Show Notes: howtomoney.online/how-to-money-podcast

Learn more about Rest Super

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Money & Relationships? Let’s Talk About It

Sun, 05 Sep 2021 10:00:00 -0000

On this episode of the How To Money podcast, Kate Campbell sat down (well virtually that is) with Liz Mclardy, to chat about financial wellbeing and our relationships (with our partners, parents, siblings...you name it)! Liz is a university lecturer, finance writer and financial well-being coach.

Liz shares strategies for improving your financial wellbeing, questions to kickstart healthy money conversations in your relationships, the damaging nature of holding onto financial secrets and shame, and reflecting on our childhood upbringing and how that influences our current approach to money.

Show Notes: howtomoney.online/how-to-money-podcast

Learn more about Liz Mclardy here

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Why Do I Need a Will and Other Important Questions | Feat. State Trustees

Sat, 21 Aug 2021 08:00:00 -0000

A will is an essential part of your financial plan!

In this week's episode of the How To Money Podcast, Kate Campbell chats to David Andrew, who is a qualified lawyer and has been a Senior Advisor at State Trustees for over ten years.

Kate and David dive into all those fun topics like what happens if I die without a will, do I really need one when I don't have any assets, can't I just write it on a napkin, should I store it in my bottom draw, who should be my executor and of course we can't forget about what happens to our Super!

Show Notes: howtomoney.online/how-to-money-podcast

Learn more about State Trustees here

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Where The Investment World is Going in 2021 with Spaceship

Sun, 08 Aug 2021 10:30:00 -0000

Investing in individual companies allows you to put your money where your values are.

In this week's episode of the How To Money Podcast, Kate Campbell chats to Jason Sedawie, a Portfolio Manager at Spaceship. Spaceship is an Australian micro-investing app, that easily allows you to get started investing without any barriers.

Kate and Jason discuss how he got interested in investing, the biggest trends he's seeing at the moment, the Spaceship Where The World is Going (WWG) investment philosophy, a recent investment he made and his tips for new investors.

Show Notes: howtomoney.online/how-to-money-podcast

Learn more about Spaceship here

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Saving and Budgeting Like a Rockstar with 86 400

Sun, 01 Aug 2021 06:30:00 -0000

Today on the How To Money Podcast, Kate Campbell brings Belinda Hogan (CFO of 86 400) onto the show to talk banking & budgeting.

Belinda gives us an overview of 86 400 (an Aussie Neobank recently acquired by NAB) and her career path into finance, alongside highlighting common money myths holding you back from reaching your goals, making sure your money is aligned with your goals and tips on refreshing your budget.

Show Notes: howtomoney.online/how-to-money-podcast

Find 86 400 on Google Play and the App Store

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

US Stocks? Investing In Companies That Are Changing The World

Sun, 25 Jul 2021 05:30:00 -0000

Welcome back folks to the How To Money Podcast. I've got plenty of episodes lined up for you, so prepare your ears!

In this episode I had the pleasure of bringing Danielle Ecuyer back onto the show. Dani is an experienced investor and the author of Shareplicity 1 (and 2). Dani believes that everyone should have exposure to US companies, and in this episode she breaks down exactly why.

Dani and I discuss some of the key differences between Australian and US companies, trends she's seeing at the moment, the new generation of investors, red flags to look out for with IPOs and why every investor should keep an open mind when exploring new companies.

Show Notes: howtomoney.online/how-to-money-podcast

Dani's Website: shareplicity.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Investing From an Early Age with AussieMoneyMan

Tue, 23 Mar 2021 06:39:00 -0000

In this slightly different episode of the How To Money Podcast, Kate spoke to Nick from AussieMoneyMan, an Australian financial YouTube channel. Kate and Nick have a fun chat about money mistakes, growing your net worth, starting to invest from a young age, and helpful personal finance resources to use.

Note: I’ve been having a few months break from the podcast while I get on top of work & study (we actually recorded this interview a while back), but I’m planning to be back soon on a more regular basis!

Show Notes: howtomoney.online/how-to-money-podcast

Nick’s Website: AussieMoneyMan

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Personal Branding and Career Skills Heading into 2021

Sun, 13 Dec 2020 18:00:00 -0000

What do you stand for and how do you communicate this to the world?

In this episode of the How To Money Podcast, Kate spoke to Bec Brown from The Comms Department, a PR, corporate communications and crisis management agency. Kate and Bec discuss the myth of following your passion, essential career skills for young Aussies heading into 2021, maintaining work-life balance and building your personal brand.

Show Notes: howtomoney.online/how-to-money-podcast

Bec Brown: The Comms Department (Book)

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on Apple Podcasts. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Tips & Ideas For Teaching Kids About Money

Fri, 11 Dec 2020 06:00:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Will from Blue Tree Money, who helps parents to teach their kids how to form life changing money habits. Kate and Will discuss why it’s so important for parents to talk to their kids about money, teaching kids the difference between being rich and wealthy and some great resources to use.

Show Notes: howtomoney.online/how-to-money-podcast

Episode Guest: Blue Tree Blog | Teaching kids about money

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Creating Positive Financial Habits with Dr Gina Cleo

Sun, 29 Nov 2020 19:00:00 -0000

Are your habits holding you back from achieving your financial goals?

In this episode of the How To Money Podcast, Kate chatted to Dr Gina Cleo, who has a PhD from Bond University in habit change. Kate and Gina discuss what habits are, strategies for creating good habits and breaking bad ones and some of the ways we can change our habits to improve our financial wellbeing.

Show Notes: howtomoney.online/how-to-money-podcast

Dr Gina Cleo: www.drginacleo.com

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Buying a House at Auction (Expert Tips & Strategies)

Sat, 21 Nov 2020 00:40:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Veronica Morgan from Good Deeds Property Buyers, and is one of Australia’s leading buyer’s agents with over 20 years of industry experience. Kate and Veronica discuss common mistakes first home buyers make, basic principles of auctions in Australia and some key strategies and techniques to keep in mind at auctions.

Show Notes: howtomoney.online/how-to-money-podcast

Good Deeds Auction Ready Book: gooddeeds.com.au/auction-ready

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Property 101: Getting Ready to Buy Your First Home

Thu, 12 Nov 2020 05:40:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Amy Lunardi, a qualified buyer’s agent and host of the The Buyers Bible podcast. Kate and Amy discuss tips on finding properties, speaking to agents, the due diligence process and working out how much a property is worth.

Show Notes: howtomoney.online/how-to-money-podcast

Amy’s Website: amylunardi.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Property 101: Where to Start on Your Home Buying Journey

Thu, 12 Nov 2020 05:26:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Amy Lunardi, a qualified buyer’s agent and host of the The Buyers Bible podcast. Kate and Amy discuss where first home buyers should start, what to consider when saving for your home deposit, when to get the experts involved and developing your property strategy.

Show Notes: howtomoney.online/how-to-money-podcast

Amy’s Website: amylunardi.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Investing and Robo-Advice in Australia with Stockspot

Wed, 28 Oct 2020 05:13:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Chris Brycki from Stockspot, an online investment advice (robo-advice) service in Australia. Kate and Chris discuss what robo-investing is and how it differs from other investment options, how the industry is regulated in Australia, diversification with ETFs and how investors should think about rebalancing their investment portfolio.

Show Notes: howtomoney.online/how-to-money-podcast

Stockspot Website: www.stockspot.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Ethical Investing and Your Super

Sat, 17 Oct 2020 20:00:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Skye King from NGS Super, an industry superfund for those in non-government education and community organisations. Kate and Skye discuss how ethical investing works, getting involved with your superfund and how young Aussie can invest in-line with their values.

Show Notes & Transcript: howtomoney.online/how-to-money-podcast

Episode Guest: NGS Super - Industry SuperFund

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Building Financial Resilience in Australia (Financial Inclusion Week Bonus Episode)

Sat, 17 Oct 2020 06:36:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Vinita Godinho, the Managing Director and CEO of Financial Resilience Australia. Kate and Vinita discuss the idea of financial resilience in Australia, how to improve our own financial wellbeing and strategies to equip our broader community with a strong financial framework.

***This episode was recorded remotely, we apologise for the lower audio quality.***

Show Notes: howtomoney.online/how-to-money-podcast

Episode Guest: Financial Resilience Australia

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Crushing Your Household Bills & Getting Better Deals

Sat, 10 Oct 2020 03:46:00 -0000

The average Australian has between six to eight bills to pay every month from utilities to mortgage/rent, water consumption, internet, mobile phone/landline, insurance, car payments and subscription services such as the gym or streaming services. In this episode of the How To Money Podcast, Kate spoke to Joel Gibson, money-saving expert and author of personal finance book KILL BILLS! Kate and Joel discuss tips and tricks on how everyday Aussies can reduce their bills with a little research and a few switches, and the best places to hunt for great deals.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Understanding The Game of Investing with Stuart Wemyss

Thu, 01 Oct 2020 07:39:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Stuart Wemyss from ProSolution, an independent financial advice and mortgage broking firm. Kate and Stuart discuss ways young people can build wealth over the long-term, the role of luck in investing, learning the rules of the game and understanding your own tolerance to risk and volatility.

Show Notes: howtomoney.online/how-to-money-podcast

ProSolution: www.prosolution.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Financial Autonomy & Starting a Business with Paul Benson

Sat, 22 Aug 2020 23:22:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Paul Benson. Paul is a qualified financial advisor at Guidance Financial Services, host of the Financial Autonomy Podcast and newly published author of Financial Autonomy. Kate and Paul discuss finding your own path to financial success, why starting a business is worth considering, speculate on the future of work and talk about how to turn your ideas into reality.

Show Notes: howtomoney.online/how-to-money-podcast

Financial Autonomy Website: financialautonomy.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Bonus Episode: Listener Questions with Expert Investor Danielle Ecuyer

Mon, 08 Jun 2020 05:06:00 -0000

In this bonus episode of the How To Money Podcast, Kate spoke to Danielle Ecuyer, an experienced investor and the author of Shareplicity. Shareplicity is a new book that takes the complexity out of share investing, explains concepts simply and in plain English, and provides go-to steps to get started. Dani answered a quickfire round of listener questions, following on from the previous episode Researching and Investing in Australian Shares.

Get 20% off your copy of Shareplicity at Major St Publishing using code HOWTOMONEY at the checkout.

Show Notes: howtomoney.online/how-to-money-podcast

Danielle Ecuyer: https://shareplicity.com.au/

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Researching and Investing in Australian Shares

Mon, 08 Jun 2020 04:18:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Danielle Ecuyer, an experienced investor and the author of Shareplicity. Shareplicity is a new book that takes the complexity out of share investing, explains concepts simply and in plain English, and provides go-to steps to get started. Kate and Dani discuss skills new share investors should build, macro economic trends, red flags to avoid and how to identify quality companies.

Get 20% off your copy of Shareplicity at Major St Publishing using code HOWTOMONEY at the checkout.

Show Notes: howtomoney.online/how-to-money-podcast

Danielle Ecuyer: https://shareplicity.com.au/

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice, please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Managing Your Money During COVID-19 with Finder

Mon, 18 May 2020 05:11:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Sally McMullen from Finder, one of Australia’s leading comparison sites. Sally is Finders millennial money expert and co-host of the Pocket Money podcast. Kate and Sally discuss how young Australians are managing their money during COVID-19, how to make your money go further and creative side hustle ideas.

Show Notes: howtomoney.online/how-to-money-podcast

Finder: https://www.finder.com.au/

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Taking Care of Your Super

Sat, 04 Apr 2020 10:22:00 -0000

NB - This episode was recorded on 10/03. Given the changing nature of the current climate, some things have changed since the date of the recording.

In this episode of the How To Money Podcast, Kate spoke to Laura from NGS Super, an industry superannuation fund for those in non-government education and community organisations. Kate and Laura discuss some of the basics of super and getting involved with your financial future.

Show Notes: howtomoney.online/how-to-money-podcast

NGS Super: https://www.ngssuper.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Understanding our Financial Story with Effie Zahos

Tue, 31 Mar 2020 23:58:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Effie Zahos from Canstar, one of Australia’s leading financial comparison sites. Kate and Effie discuss how our childhood affects our money mindset as adults, how we can reflect on our financial story and helping young children in our lives develop strong financial skills.

NB: Apologies for the audio in the 2nd half! Sometimes doing everything remotely can be challenging, but we'll definitely work on audio quality in season 3.

Show Notes: howtomoney.online/how-to-money-podcast

Canstar: https://www.canstar.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Protecting Yourself Against Deadweight Flatmates

Sat, 14 Mar 2020 07:40:00 -0000

In this episode of the How To Money Podcast, Kate spoke to David from Credit Simple, about the dangers of deadweight flatmates. Kate and David discuss the risks of having all the bills in your name when sharing with flatmates, the impact this can have on your credit score and ways to protect yourself financially in a share house.

Show Notes: howtomoney.online/how-to-money-podcast

Credit Simple: www.creditsimple.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Saving $1k in 30 Days with Paridhi Jain

Mon, 02 Mar 2020 05:42:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Paridhi from SkilledSmart, an Australian company that runs courses on money, wealth & personal finance for adults. Kate and Paridhi discuss the #1K30DAYS challenge, setting yourself small financial goals and interesting ways to make more money outside your day job.

Show Notes: howtomoney.online/how-to-money-podcast

SkilledSmart Website: skilledsmart.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Basics of Share Investing with Paul Benson

Sat, 08 Feb 2020 10:17:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Paul Benson, a fellow podcaster who runs the Financial Autonomy Podcast. Kate and Paul discuss how the Australian sharemarket works, why some people choose to invest directly in shares over other products like ETFs, some key terminology and what to stay clear of as a beginner.

Financial Autonomy Podcast: https://financialautonomy.com.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Open Banking in Australia

Sun, 29 Dec 2019 02:22:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Fred from Finder, one of Australia’s largest consumer comparison sites. Kate and Fred discuss the details of open banking in Australia, how Australians will be able to use their data and whether any of this actually leads to better outcomes for the consumers.

Show Notes: howtomoney.online/how-to-money-podcast

Finder Australia

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Financial Advice & Coaching 101

Sun, 15 Dec 2019 05:53:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Rebecca from Proforce, a new financial coaching company for young Australians. Kate and Rebecca discuss the role of financial coaches and advisers, some of the basics you should know about how they operate and finding the right service and person for you.

Show Notes: howtomoney.online/how-to-money-podcast

Proforce Wealth: https://proforcewealth.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Building Your Investment Portfolio

Sat, 07 Dec 2019 22:50:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Balaji Gopal, the Head of Product Strategy at Vanguard Australia, one of Australia's leading ETF providers. Kate and Balaji discuss what is investing, working out your investment goals, different investment products and the basic building blocks of a diversified portfolio.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Vanguard Investments Australia

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Micro-Investing for Beginners with Goodments

Sun, 24 Nov 2019 06:08:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Tom from Goodments, a company helping to create a more sustainable future by making it easy to invest in good businesses. Goodments match you to over 2000 international shares and diversified ETFs that best fit your values. Kate and Tom discuss micro-investing, how to get started buying shares and filtering companies based on your values.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Goodments: goodments.com

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Do You Know What Your Credit Score Is?

Sat, 09 Nov 2019 09:35:00 -0000

65% of Australians don’t know what their credit score is, do you?

In this episode of the How To Money Podcast, Kate spoke to David from Credit Simple, a company that provides Australians with a free tool to check and monitor their credit score. Kate and Daniel discuss what credit scores are, how they’re calculated, and how to check and improve your credit score.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Credit Simple: www.creditsimple.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

The Value of Financial Advice

Sun, 20 Oct 2019 01:39:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Jodie Hampshire, the Managing Director of Russell Investments Australia, one of the world’s leading asset managers. Kate and Jodie discuss the value of financial advice for young Australian’s and the role financial advisors can play in your life.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Russell Investments Australia: https://russellinvestments.com/au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Young People Taking On The Sharing Economy

Sun, 06 Oct 2019 05:24:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Ben from Gecko, an online platform where you can rent out items around your home that you’re not using for some extra cash. Kate and Ben discuss how Gecko works, opportunities in the sharing economy for extra cash, starting a company at university and some of the challenges young entrepreneurs can face.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Gecko: https://web.geckoonline.com.au/

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

The Reverse Budget (Wildcard Method)

Sat, 21 Sep 2019 02:01:00 -0000

In this episode of the How To Money Podcast, Kate spoke to Nathan from Wildcard, an app that gives you a portion of your pay every day, so you’ve always got money to spend. Kate and Nathan discuss saving and budgeting tips for young Aussies, the reverse budget (Wildcard method) and building good financial habits.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Wildcard: www.wildcard.money

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

The Rise of Neobanks in Australia

Sun, 01 Sep 2019 06:58:00 -0000

In this episode of the How To Money Podcast, Kate and Susan dive into the rise of neobanks and digital financial products in Australia. They discuss what neobanks are up to, how they differ from traditional institutions, regulation in Australia and why having more competition is good for you (the consumer).

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Debunking Myths About Exchange Traded Funds (ETFs)

Sun, 18 Aug 2019 12:27:00 -0000

In this episode of the How To Money Podcast Kate spoke to Ele from BetaShares, one of Australia’s leading ETF providers. Kate and Ele discuss common myths about Exchange Traded Funds (ETFs), including the major misconception that they’re just a passing phase (they’re not)! For background on ETFs check out our first episode with BetaShares in Season 1.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

BetaShares: betashares.com.au

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

The Emotions Impacting Our Relationship With Money

Sat, 03 Aug 2019 00:29:00 -0000

In this episode of the How To Money Podcast Kate spoke to Dr Daniel Crosby, who is a psychologist and behavioural finance expert from the States. Kate and Daniel chat about the emotions impacting our financial decisions, mitigating our behavioural biases when we're investing and automating our finances. Side note - Kate discovered post recording that our Australian Superannuation assets totalled $2.8 trillion at the end of the March 2019 (as reported by the ASFA)!

This episode was kindly supported by Etax Accountants, Australia’s favourite online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

Dr Daniel Crosby Twitter: @danielcrosby

The Behavioral Investor: https://amzn.to/2Ke7Gx3

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Kicking Goals With Your Home Loan

Sun, 21 Jul 2019 04:00:00 -0000

We all want to make better financial decisions but we often don’t have the time, don’t know where to start or don’t have the extra money to make these financial decisions. In this episode of the How To Money Podcast, we’ve invited Mark from Hip Money on the show, who has created a free app aimed designed to make paying off your mortgage a more engaging experience, so you can put more money aside and wipe years off your loan. We cover some of the things young Aussies should know prior to taking out a mortgage, how small changes add up and the benefits of automating your finances.

This episode was kindly supported by Etax Accountants, Australia’s number one online tax agent. Head to www.etax.com.au today to finish your tax return online in minutes.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Making Your Life Easier at Tax Time

Sun, 07 Jul 2019 02:49:00 -0000

In this episode of the How To Money Podcast, we invited Ashley Debenham from Etax Accountants to cover tax return basics, plus provide you with tips to ensure you get the best possible tax refund. We also discuss some common dedications to keep an eye out for, and why it might be beneficial to source assistance from an accountant when doing your tax return. Please bear in mind the audio is a little more rustic than usual in the episode (as we recorded from different locations)!

Etax Accountants: www.etax.com.au

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Setting Yourself Up For Success This Financial Year

Thu, 27 Jun 2019 11:40:00 -0000

In this episode, Kate had the pleasure of chatting with Julia Lee, Equities Strategist from Bell Direct. We spoke about setting goals for the new financial year, things to look out for and reminding ourselves to use our tax return for good (it’s not free money)! Julia also talks about a few stocks climbing the market at the moment, and where to invest outside of your bank account.

Show Notes: howtomoney.online/how-to-money-podcast

HTM Website: howtomoney.online

HTM Twitter: @HowToMoneyAUS

HTM Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

What Does the Reserve Bank of Australia (RBA) Do?

Thu, 20 Jun 2019 11:28:00 -0000

This episode of the How To Money Podcast covers what the Reserve Bank of Australia (RBA) actually does, the RBA cash rate, inflation and what the recent reduction in the cash rate means for us.

The Reserve Banks job is to achieve price stability, full employment, and the economic prosperity and welfare of the Australian people. The RBA does this by using an inflation target to help keep inflation between 2–3%, on average, using the cash rate. The Reserve Bank Board meets eleven times a year, on the first Tuesday of the month, to decide what the cash rate should be.

The cash rate has a strong influence over other interest rates, such as lending and deposit rates, and a reduction in the cash rate typically stimulates spending and inflation, while an increase in the cash rate typically dampens spending and inflation.

Show Notes: howtomoney.online/how-to-money-podcast

RBA Education: https://www.rba.gov.au/education

Website: howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

10 Ways to Lose Money When Investing

Wed, 15 May 2019 10:42:00 -0000

When you enter the world of investing for the very first time, everything looks like a potential opportunity, and everyone online will be telling you something different. Look one direction you’ll see someone promoting CFD trading, another way they’ll be spruiking stocks and turn around to find another IPO for the next big thing! I get it, I really do, everyone's got something to sell or a point to get across, and maybe it really did work for them, but investing is already confusing enough without all these distractions.

But that’s what they are, distractions, and you don’t want to waste years of opportunity and your hard-earned money chasing the next big thing. Investing can actually be quite simple if you can look past all the distractions and get rich quick schemes.

This episode of the How To Money Podcast covers 10 ways to lose money when investing for the first time, and a few things to be mindful of when you are navigating the minefield that is Google.

Show Notes: howtomoney.online/how-to-money-podcast

Website: howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please seek out a qualified and competent professional, and do some research. Remember it's your money - take control!

Understanding the Role Risk Plays in Investing

Tue, 16 Apr 2019 11:00:00 -0000

Risk and investing is a tricky and very personal subject. Ask 10 people on a train their opinion on skydiving and you’ll be sure to get a wide range of viewpoints, and it’s exactly the same when it comes to an individual's view and tolerance of risk. In this episode, we dive into the different types of risks that might affect an investor, and why it’s so important to be aware of the risks involved with an investment product and their personal risk tolerance!

Show Notes: https://howtomoney.online/how-to-money-podcast

Website: https://howtomoney.online

Twitter: @HowToMoneyAUS

Instagram: @HowToMoneyAUS

Please send any questions, feedback or episode suggestions through to us at howtomoneyaus@gmail.com and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes. Just a reminder that everything we cover in this podcast is financial education only, we are not giving you any advice. If you do want advice please make your own enquiries, and do some research - it’s all on the web. Remember it's your money - take control!

Buying Shares in Australia

Thu, 07 Mar 2019 10:26:00 -0000

So you’re just about ready to start investing; you understand diversification, your risk tolerance and have a bit of an idea on how shares and ETFs work, but you’ve just realised that you’re not actually sure how to buy this ETF or share you’re really keen on. Luckily for you, we’ve had a few goes at setting up trading accounts through a handful of different platforms, and have bought and sold many shares and ETFs in Australia. So grab a chair and let us take you through the steps required to buy a share in Australia.

Read our step by step guide to buying shares in Australia here https://howtomoney.online/2019/02/12/a-step-by-step-guide-to-buying-shares-in-australia/

Comparison Sites

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS on Twitter and Instagram or email us at howtomoneyaus@gmail.com. If you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Important Information

The information on this blog and website is of a general and educational nature only. It does not take into account your individual financial situation, objectives or needs. You should consider your own financial position and requirements before making a decision, as we are not an advisory service. We recommend you consult a licensed financial adviser in order to assist you. The information is based on assumptions or market conditions which can change without notice, and this will impact the accuracy of the information provided.

Getting Up to Speed with The Banking Royal Commission

Mon, 25 Feb 2019 10:32:00 -0000

Have you been following the events of the Banking Royal Commission, and everything that followed? I can’t blame you if not, it’s dragged on for the best part of a year, and although scandalous revelations were made regarding certain companies and practices in the financial services sector, it’s been a highly political extravaganza.

After many months, the final Royal Commission Report has been handed in by Commissioner Hayne. How many of the recommendations that both parties have committed to actually get implemented is yet to be seen, but it’s started a conversation we weren’t really having before.

Keep reading at www.howtomoney.online/articles

Resources

Rask Media: Your 30-second Guide To The Banking Royal Commission Report

Banking royal commission calls for compensation, crackdowns and an overhaul of financial regulators

Banking Royal Commission: How Did We Get Here?

Just a reminder that everything we cover in our podcast is financial education content only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it’s all on the web. Remember it's your money - take control.

3 Money Misconceptions to Let Go of in 2019

Mon, 25 Feb 2019 10:06:00 -0000

As we head into 2019, you may have already started putting your New Year’s resolutions together or setting some overall goals and intentions for the year ahead. Whatever your plans are for 2019, it’s always a good goal to work on your personal finances and take actionable steps to increase your knowledge each year. Whether it’s consolidating your superannuation accounts so you’re not paying fees to multiple providers, cutting up your credit card or learning about Exchange Traded Funds (ETFs), now is the perfect time to take control of your finances.

So…to help you get started here are 3 money misconceptions that you should let go of in 2019, to supercharge your financial goals! Read the full article at www.howtomoney.online/articles

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Let's Talk About ETFs with BetaShares

Tue, 02 Oct 2018 13:00:00 -0000

Welcome to another episode of the How To Money podcast! Join the How To Money team as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

In this episode Kate is joined by Ele from BetaShares to discuss Exchange Traded Funds (ETFs) and how investors can use them to diversify your investment portfolio. As always, check out the ASIC Moneysmart website for more information on ETFs and everything else money related.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Understanding the Basics of Managed Funds

Sat, 07 Jul 2018 22:00:00 -0000

Welcome to another episode of the How To Money podcast! Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

In this episode Kate and Susan explore the basics of managed funds, the difference between unlisted and listed managed funds and some of the benefits and risks associated with them. As always, check out the ASIC Moneysmart website for more information on managed funds and everything else money related.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Comparing Financial Products with Finder.com.au

Sun, 20 May 2018 07:24:00 -0000

Welcome to another episode of the How To Money podcast! Join us as we take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

In today’s episode, we welcome special guest Bessie Hassan from Finder.com.au to chat about comparing financial products, and the things you should look out for.

As always, check out the ASIC Moneysmart website for more information on everything money related.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS, and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Getting Familiar with Bonds

Sun, 22 Apr 2018 10:19:00 -0000

Welcome to another episode of the How To Money podcast! Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

In today’s episode, we chat about bonds, more specifically financial bonds (also known as fixed interest or debt securities). This episode covers what bonds are, how they work, how they differ from shares and why people choose to invest in bonds.

As always, check out the ASIC Moneysmart website for more information on bonds and everything else money related.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS and if you enjoyed the episode we’d be thrilled if you left us a review here on iTunes.

Just a reminder that everything we cover in our podcast is financial education only, we are not giving you any advice. If you do want advice go and speak to a qualified financial professional, or just do some research, preferably both - it’s all on the web. Remember it's your money - take control.

What is a Share?

Mon, 12 Mar 2018 06:36:00 -0000

In today’s episode we chat about shares, more specifically what they are, why do people buy them, how you can get started and a few of the key benefits and risks when getting started with shares. Please keep in mind that it’s a huge topic - one that many people spend their entire life learning about, so please do your own research before going shopping for shares!

As always, check out the ASIC Moneysmart website for more information, and the ASX Free Online Share Essentials Course.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Managing Money During University

Mon, 15 Jan 2018 09:43:00 -0000

Welcome to another episode of the How To Money podcast! Join Kate and special guest Joyce as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

In today’s episode, we chat about saving and spending money during university. Sadly Joyce pointed out that money does not grow on trees, but she gave us some great tips for managing your finances during university!

As always, check out the ASIC Moneysmart website for more information on money and finance. We are also writing about money related topics on Medium now, so definitely check us out there as well.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Money and Spending During the Christmas Season

Sun, 10 Dec 2017 18:00:00 -0000

As Christmas draws near we wanted to give you a quick wrap up episode, with some tips for budgeting and spending less at Christmas time. Did you know that approximately 43% of Aussies won’t keep track of Christmas spending this year?

Australia’s Christmas Spending via MoneySmart

Commonwealth Bank Christmas Consumer Spending 2017 Study

12 Money Tips for Christmas via MoneySmart

Thanks for all of the support during our first few episodes of the How To Money podcast, and we look forward to bringing you bigger and better content in 2018, to help you along your financial education journey.

As always, check out the ASIC Moneysmart website for more information. We are also writing about money related topics on Medium now, so definitely check us out there as well.

Send your questions, topic suggestions and feedback to us via Twitter @HowToMoneyAUS, and if you enjoyed this episode please leave us a review here on iTunes.

Financial Scams in Australia

Sun, 03 Dec 2017 10:32:00 -0000

Everyone is vulnerable to scams so it is important to stay informed on how to identify and avoid being scammed. You may be saying that it would never happen to you, but scammers are staying up to date with the world and tailoring their scams accordingly, so it is a good idea to stay aware about the latest scams making the rounds.

In 2016, the ACCC’s Scamwatch and the Australian Cybercrime Online Reporting Network received a combined 200,000 reports about scams. Losses reported to Scamwatch and various reporting programs totaled $299.8 million.

Find out more about the latest scams via the ACCC Scamwatch

The Little Black Book of Scams (PDF)

Reporting Scams

As always, check out the ASIC Moneysmart website for more information. We are also writing about money related topics on Medium now, so definitely check us out there as well.

Send your questions, topic suggestions and feedback to us via Twitter @HowToMoneyAUS, and if you enjoyed this episode please leave us a review here on iTunes.

Things to Consider Before Spending Money

Sun, 26 Nov 2017 05:11:00 -0000

In today’s episode, we chat about why we really spend money (need, want, emotion and environment), and discuss the questions we should ask ourselves before we make our next purchase.

1. Why are you really spending this money? Is it based on an emotion, need, want, or the environment that you're in?

2. What value do you place on this purchase, and is it worth the time you spent earning the money?

3. If you left the store right now, would you still want this purchase in a month's time, and would you buy it?

As always, check out the ASIC Moneysmart website for more information. We are also writing about money related topics on Medium now, so definitely check us out there as well.

Send your questions, topic suggestions and feedback to us via Twitter @HowToMoneyAUS, and if you enjoyed this episode please leave us a review here on iTunes.

Developing a Savings Mindset

Thu, 16 Nov 2017 10:41:00 -0000

In today’s episode we chat about the concept of saving; specifically developing a savings mindset, the benefits of planning and reaching your savings goals.

As always, check out the ASIC Moneysmart website for more information.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Super, It's Your Money

Wed, 01 Nov 2017 09:13:00 -0000

Welcome to the third episode of the How To Money podcast! Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

Today's episode focuses on superannuation, specifically why it’s such an important asset and why you should care. Superannuation - it’s your money! Check out the ASIC Moneysmart website for more information.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Credit Cards and Debit Cards

Wed, 25 Oct 2017 09:47:00 -0000

Welcome to the second episode of the How To Money podcast! Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

Today's episode focuses on credit cards and debit cards. Check out the ASIC Moneysmart website for more information.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Savings and Transaction Accounts

Thu, 19 Oct 2017 08:30:00 -0000

Welcome to our first episode of the How To Money podcast! Remember all that stuff that they didn’t teach you in school? No? Well, How To Money is here to discuss everything from taxes to first jobs, superannuation to credit cards.

Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey. Today's episode focuses on savings and transaction accounts. Please check out the following links for more information.

List of Australian ADI's (Authorised Deposit-Taking Institutions)

ASIC MoneySmart - Savings Accounts

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS or leave them here on iTunes.

Introducing: The How To Money Podcast

Sun, 08 Oct 2017 02:55:00 -0000

Welcome to our introductory episode for the How To Money podcast!

Remember all that stuff that they didn’t teach you in school? No? Well, How To Money is here to discuss everything from taxes to first jobs, superannuation to credit cards.

Join Kate and Susan as they take on the task of demystifying the confusing world of money, and help kick-start your financial education journey.

Send your questions, topic suggestions and feedback to us @HowToMoneyAUS..