Hosted by your Financial Wellbeing Coaches and Mortgage Brokers
Darlene Neu and Mel Pearce.
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Guest Kelly Bracegirdle shares her journey of living with ADHD and discovering her diagnosis as an adult. Kelly opens up about her money story, the emotional aspects of finances, and the concept of the "ADHD tax," which includes unintentional expenses like online shopping, wasted food, and overlooked subscriptions. Kelly offers practical strategies for curbing impulsive spending and her methods for staying organised.
Read MoreMel and Darlene share candid insights on navigating work you're not passionate about and preparing for the emotional journey when parents retire. They discuss the unconscious biases and judgments people face about money, regardless of gender or income. They emphasize the tendency to match spending to income and lifestyle, even among higher earners, and the importance of managing social expectations and being open about financial challenges. The hosts also touch on the pressure of being a breadwinner and the toll of maintaining appearances. They stress the significance of recognizing personal biases and having honest conversations about money, and offer insights on selling and buying homes, including tips on communication and what to include on offer clauses.
Read MoreMel and Darlene share personal stories and practical advice on managing competing priorities like private health insurance, income protection, and saving for family holidays. They emphasize the importance of planning for financial resilience and discuss the impact of traditional gender roles on financial dynamics in relationships. The hosts encourage listeners to strive for interdependence by actively engaging in financial management together and modelling healthy money behaviours for children.
Read MoreDeep dive into understanding more about what forms your behaviours, thoughts, actions, and relationship with money in this episode all about money stories. Mel and Darlene share their own personal money stories and what factors helped shape their views of, use of, and plans with money in their life. They discuss personal values, beliefs, and the real importance of having your own vision and purpose in life to guide your spending. They also touch on debt consolidation, and the key things to be considered before taking action.
Read MoreExplore the 8 Step Financial Wellbeing Program with Mel and Darlene as they unpack a little about each of the key areas and why they are critical to achieving an uplift to your financial wellbeing. These include having a vision, knowing your purpose, setting goals and priorities, knowing your numbers, understanding your financial products, creating a budget, growing your financial resilience, and more. They also discuss options and what to do if you’re unable to make mortgage repayments, offering a way forward for people unable to meet their expenses with the cost-of-living crisis.
Read MoreListen to Mel and Darlene explore different professionals in the finance industry and unpack where financial wellbeing coaches fit, when you might engage one, and what exactly they can do for you.
They discuss financial planners and financial counsellors, and what the differences are between them, as well as money coaching and how financial wellbeing encompasses that but is far more holistic in its approach and outcomes.
Further examining the capability and resilience that form financial wellbeing, they touch on the concepts of scenario planning, the balance of power in relationships, and the fear emotion that so many people have around money.
This episode discusses what we’re teaching our children and modelling for them when it comes to money, and how our money story impacts them. As a very common thing we discuss in financial wellbeing coaching, the money relationship with children and young people is important, and understanding the balance between truly helping, versus creating the ‘I’m bad with money’ feeling or the weight of expectation.
This episode unpacks how everything we do and the conversations we have as parents forms part of our children’s personal money story and impacts their view and feelings about money with lasting effect. It highlights the importance of being real, honest, and open about money and how things work for your family.
Read MoreJoin a real conversation about financial wellbeing and the gender gap. Mel and Darlene discuss recent reporting on financial wellbeing for women and comment on the key statistics we need to know, highlighting it as an issue everyone can help make cultural change in. They go in depth on the biggest things impacting the financial wellbeing of women including the importance of workplaces, earning capacity, choices around personal careers, and juggling social expectations with independence and feeling equal about their contribution in the home and decision making.
Mel and Darlene raise some key questions for employers around women in their workplaces. They touch on the importance of independent financial resilience when it comes to relationship breakdown and being able to have choice in unforeseen circumstances.
This episode underscores the importance of understanding your own money story and how it impacts your expectations and experiences of money in your life now and into the future.
