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242 | Proof That You Can Get on the Property Ladder AND Invest in Property in Your 20s – Chat with Courtney Te’ray

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Let’s face it. There’s a lot of millennials and first home buyers among us who are frustrated and struggling to get onto the property ladder. And we don’t blame them!

It’s hard work hauling yourself up on that first rung… and it can seriously knock you around, especially if your friends are out “brunching” and you’re choosing to stay home again and… save more money.

Are we right? Believe us… we feel ya, folks! If you’re just starting out, often times it can seem like you’re making snail-pace progress, so much so that it becomes all-too-easy to believe there’s zero point to your efforts at all. So, guess what?? We’ve got your back… ‘cos you’re actually NOT alone and, as a matter of fact, it pays (quite literally) to check in with someone you can relate to who has been exactly where you are, has seen success and can help you get over the line (or at least know that, yes, it IS possible!).

That’s why we’ve got Courtney Te’ray on The Couch today!!

And at 28, it would be easy to confuse Courtney as a stereotypical millennial — you know, “smashed avo”… “living in the now”… and “delayed gratification” a WORLD away — BUT in actual fact… Courtney is ANYTHING BUT this….

She and her partner Aaron have been slowing chipping at their own property portfolio and putting into practice

“If it’s meant to be… it’s up to be”. And the thing you might find a lot of comfort in, is they’ve invested in property on ordinary incomes — to give you an idea, Courtney has NEVER earned more than $60K while building up this Property Portfolio… Impressive, right?! Want to know how she did it? And how thinking (and acting) differently can ultimately set up your future for life?? And if you’d like to learn more about her backstory, check out her video here!

Psst… you DON’T need to be in your twenties to take some #inspo from this episode!!

 

Resources mentioned…

 

The TOP SEVEN Highlights…

  1. What made Courtney think differently about “Having It All Now” versus “Having A Better Future”?
  2. How Can You Navigate Different Views of Friends and Family?
  3. Why is Future Planning Critical for a Property Investor?
  4. How to Spot a GOOD Buyers Agent!
  5. How to Spot an Investment Savvy Mortgage Broker!
  6. What’s MOST Important: Rate or Pre-Approval?
  7. Tips and Advice for Young People and First Home Buyers…

 

Keen to Get Started with Money SMARTS like Courtney?

Fill in the form below and create your account on our Money SMARTS Platform now!

Already have an account? Log in here.

 

 

 

 

241 | 12 Steps To A Profitable Property Development – Chat with Peter Koulizos

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Raise your hand if you’re curious to hear the profitable, 12-Step Process to Property Development…?

Now, keep it there if you’re already a developer, or you’re keen to give property development a crack yourself or, hey, maybe you just wanna build on your property investment knowledge before you lock yourself into anything?

Righto then folks, if your hand’s UP, then this episode was tailor-made for you!!

‘cos today we’ve dragged the big boss back into the studio — Mr Peter Koulizos!! And he’s about to unpack some of his best stuff on property development!

For those who haven’t yet been privy to the Property Professor’s gold on gentrification (EP 30 and EP 47) or the Five Golden Rules of Property Investment (EP 030) or his most recent episode on negative gearing (EP 204)…  it might come clear to you now that our good mate Peter Koulizos — Chair of Property Investors Council of Australia (PIPA), property developer, specialist in property valuation and economics (with a teaching degree, a Graduate Diploma in Property and a Masters of Business – Property) —  is a SERIAL Coucher and one of Australia’s leading property investment experts whose opinion we greatly admire J

Sure, he’s got all the qualifications and skillset, but he’s also got invaluable, in-the-trench experience, ESPECIALLY when it comes to property developing… and not just a little bit, mind you folks… a WHOLE LOT of it!

So… let’s just pick the Property Professor’s brain, yeah?

He was in town, so we’ve dragged him back in to the studio!

Resources mentioned…

The TOP FIVE Highlights…

  1. The Framework to Figure Out if Developing is (or absolutely isn’t) For You
  2. The 12 Steps To a Profitable Property Development (and what to look out for during each step!)
  3. The Gross Profit You Should Aim to Get BEFORE Embarking on A Development Project (incl. the “worst case scenario” profit)
  4. The Difference Between Planning Approval And Building Rules Approval
  5. The Lenders That Have An Appetite for Financing Developments Right Now

Get Noteworthy Answers On…

Quote of The Day

“You don’t want to go from Zero to Hero.

You don’t want to know nothing about property straight to property development!”

– Peter Koulizos

 

 

 

 

240 | Is Now The Right Time to Buy a High Rise Apartment? – ft. Bonus Q&A

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Folks, things sure have been heating up in the high rise apartment space recently and we MUST address a seriously important question, for property investors and home owners alike…

Should you be considering buying high rise apartments in the wake of some very high profile cases revealing significant issues??

We’re talking about the high-rise apartment evacuations that’ve been happening our main centres due to building defects — Opal Tower, Mascot Tower, LaCrosse apartments and Neo 200 —which have resulted in cracks to main structures, severe and unsafe water damage, FIRE (such as the cladding fire in Melbourne’s CBD) … all things that we can all agree are very problematic. Not to mention are also leaving a fair few folks homeless, out of pocket and fed up!

So, not only are you likely to struggle to get a return from high rise apartments, it’s evident that some (we’re definitely not saying all here) may pose a safety risk as well.

But if 1 in 5 wanting people are actually WANTING to live in apartments (which is up from 1 in 7 in the 1990s)…. it can definitely be argued that there IS a growing demand for one/two bedroom living… the question is… What should you be considering (and avoiding!) if you are wanting to invest in apartments?

And when it comes to high rise buildings, has the landscape well and truly changed?

… We’ve thrown in a Bonus Q & A to answer your specific apartment Q’s too, folks!!

House Keeping…!

We’re working on a brand new Podcast Picture (thumbnail) and we reckon we’ve got it down to two…  can you please Tell Us Which One You Like Most – Option A … OR …. Option B (both on our Facebook Page)

Favour WANTED from Long term listeners (please!)….

Folks, we’re doing a shameless shout out for selfies!!! Yep.. this is the brief: if The Property Couch has changed you or the way you invest, or your money management or has helped you in any way,  can you please record a selfie video of 60 seconds or less to let us know?? The reason we want these is to put the word out there, grow our community and ultimately help other folks avoid bad property decisions!!

Send Your Video Testimonial to [email protected]

Resources Mentioned…

Bonus Q & A on Apartments  

Question from Keren

What do I do with the apartment I bought prior to finding your podcast?? 😂😂😂

Question from Sabrina

I want to know if it’s worth buying an Off the Plan townhouse in Deanside (next to Caroline Springs in Melbourne)  3 bedroom townhouse, no body corp, under $390k

Question from Jake

Things to consider in regards to the sinking fund and if or how can the body corporate request to raise money from owners for certain issues? 
Keep up the good work ✌️

Question from Rory

Have an old apartment built around 60’s. Bought it in December 2013 since then I’ve put in new carpet and vinyl. Should I get a deprecation schedule in it?

Question from Tania

What are some of the unexpected costs of buying/holding an apartment?

Question from Nicholas

How do you determine capital growth on an apartment if you are the second purchaser assuming that the original price has been inflated for developer costs and not an accurate figure?

Question from Sonya

With a budget of 700 to 800k. I would like to know if an apartment (not brand new) in Moonee Ponds is a better buy than a house on a 700sm size block in Glenroy, as a comparison apartment vs house. Thank you.

Question from Bryan

 Is it safe to buy now in Brisbane apartments give lots of the newer builds have dropped 20% in price？Or do you think that is still overpriced？

Question from Laura

I want to know if it’s worth buying an apartment as an investment vs a house.

Question from Marah

Whether the ugly 60s / 70s brick monsters are a good investment how to protect yourself in an Opal tower situation…

P.S. Looking to get a free copy of Susan Alberti’s book, The Trailblazing Story of Susan Alberti – The Footy Lady? Click here and tell us which part of Susan’s story had the most impact on you! (ends on July 17th!)

239 | From Working-Class to Multimillion Dollar Philanthropist: How This AFL Royalty Mastered The Art of Delayed Gratification – Chat with Susan Alberti

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What’s a footy oval and a VERY successful investor got in common?

… none other than one gutsy, 72-year-old woman… Susan Alberti!!

For the folks who aren’t quite into AFL like we are, Susan is not only Football Royalty down here in Melbourne — particularly when it comes to the AFL Western Bulldogs Football Club and opening up the sport to women players… but also, Susan has lived an EXTREMELY incredible life… she’s experienced everything from very humble beginnings, unspeakable tragedies, not being able to get a loan as a woman (yep), the heights of true accomplishment (see all of the positions she’s held here – ‘cos there’s more than a few!) and giving back in a way that is profound and unbelievably inspiring — all of which has been documented in The Trailblazing Story of Susan Alberti – The Footy Lady.

She is living proof that hard work, investing and delayed gratification pays off and is, of course, as respected as they come.

To give you an idea, not only is “Sue” one of Australia’s pre-eminent philanthropists, having donated millions of dollars to medical research and other charitable causes — when her only child, Danielle, was diagnosed with type 1 diabetes and later passed away due to the illness, Sue embarked on a global mission to find a cure, and is now Chair of the Susan Alberti Medical Research Foundation. And earlier, when her first husband was killed by a truck, Susan took over their construction business and discovered firsthand how to survive and prosper in what was very much a man’s world. Oh, and she’s also the 2018 Victorian of the Year, 2017 Melburnian of the Year and 2018 Victorian State Government Outstanding Contribution to Sport Award!

Basically… this woman has stared down adversity of all kinds and prevailed beyond doubt.

So, if you’re like us and are very excited to hear what this wise and wonderful woman has to say about investing and, indeed, life… then you MUST check this episode out, folks!

Also, special shout out to our listener Jill Stewart for suggesting such an awesome guest!! If you’ve got a guest idea yourself, feel free to let us know who you want to hear from HERE 🙂

As usual, there are a few resources today folks! So here goes…

The Top Things We Talk About >>>

  • How exactly did Susan transform herself from humble beginnings to impressive wealth?
  • Where did her drive come from?
  • How did her first husband Angelo, look at life and work? Why?
  • What was the origin of their property story?
  • How did Susan and Angelo start their first 16-units development?
  • Where did her desire to learn come from?
  • How much did her “very own” property cost when she first bought it?
  • How did she get a loan when most lenders wouldn’t lend in only a woman’s name?
  • How much was she paying interest on the loan?
  • How quickly were they growing their development business?
  • When did they cross the threshold into financial wealth?
  • How did Susan balance grief and running a business?
  • Did she have any female peers?
  • What does she now think is “true” wealth?
  • How has mindset influenced her success?
  • When did she get really involved in the Western Bulldogs?
  • How long did it take to get women’s AFL over the line? How’d she do it?
  • Will there likely be a cure for type 1 diabetes?
  • What does Susan regret or would do differently? Why?

P.S. Looking to get a free copy of Susan Alberti’s book, The Trailblazing Story of Susan Alberti – The Footy Lady? Click here and tell us which part of Susan’s story had the most impact on you!

RBA July 2019 – Twice in a row??

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75% of economists predicted another rate drop… Are they right?… or wrong?

As mentioned previously, unemployment and wage growth is a priority for the RBA and despite last month’s cut, there wasn’t a lot of movement found in these two economic indicators.

So the RBA Board has decided to drop another 25 basis points bringing the cash rate to 1%. Find out what other factors have triggered this decision including if the US-China Trade Deals has anything to do with it!

AND if you’d like more data on Ben’s commentary today, here are a few resources:

Now, let’s dive into RBA July 2019 Cash Rate Announcement!

DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.

The Property Couch, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

For more information, please visit: http://thepropertycouch.com.au

Bonusisode – Market Wrap with Nerida Conisbee

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Folks, this Bonusisode features Bryce’s Live chat with REA Group’s Chief Economist Nerida Conisbee on today’s Monthly Market Wrap… which they kicked off on Facebook Live!

So, what shape is the market in?

 

The Top Insights in this Bonusisode:

  • Nerida’s guess at tomorrow’s cash rate – will there be another drop?
  • Economic insights
  • Auction Clearance Rates
  • The locations with house price growth
  • Market Wrap around the States – Melbourne, Sydney, Brisbane, Adelaide, Perth, Hobart

 

Plus, The Top Performing Properties from the month:

  • The Most Viewed Rental Property
  • The Most Viewed Residential
  • The Most Expensive Property Sold
  • The Most Viewed Property Going To Auction This Weekend

Want to see these properties? Click here to View the Properties (all are in the Comments section)

P.S. Want more from Nerida?

238 | Money & Mental Health: Why there’s more to it than you think… Chat with John Mendoza Director of ConNetica

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Folks, you’ve heard us say it before and we’ll say it again… “The State of Your Wallet affects the State of Your Mind”…

… and this isn’t just a telling quote we throw around willy-nilly… it’s very real and is, in fact, evidence-backed. The truth is this… money worries and mental health are DEEPLY entwined. If you’ve got financial stress then, chances are, you probably feel like your whole life is out of whack… and this can seriously interfere with your mood, mindset and overall health!

So today we’ve managed to rope in a very special expert who’s dedicated his professional life to mental health matters and suicide prevention — John Mendoza Director of ConNetica.

As well as shining a light on the connection between financial problems and mental health issues, John’s career has included several senior executive positions, such as the inaugural Chair of the Australian Government’s National Advisory Council on Mental Health, the CEO of the Mental Health Council of Australia and CEO of The Commonwealth Statutory Authority, the Australian Sports Drug Agency.

Folks, if you’re wondering, “Why the switch to mental health?” or “Where does property investing fit in here?” or “Why so serious?”…

We’ll be completely honest… while not related at a tactical level to property, finance and money management… this IS related at a strategic level — ‘cos

no matter if you’re building wealth, or just trying to stay afloat and living paycheck to paycheck, or drowning in debt… or anywhere else on the financial spectrum… you’re NOT immune to this reality (unless, of course, you’re a… dunno… a cucumber, or something else non-human).

Oh, and folks… another quote for you… “The Most Important Asset is The Investor Themselves” 😉

Here’s the Free Resources mentioned in today’s episode…

Episode’s Top Teachings…

  • How’d this convo come up on the Twittersphere in the first place?
  • The relationship between mental health, suicide and money management
  • What age is most affected by suicide? How can you prevent it?
  • What’s the strongest factor that protects people in this space?
  • The “B Grade Movie”… and how it’s influencing your mental health
  • Who’s most at risk with mental health problems?
  • What about perfectionists? (aka Bryce… back in the day)
  • What’s the solution here?
  • The “ABC” Steps to Good Mental Health
  • What should Financial Planners and Advisors assess?
  • How can you help someone who isn’t coping?

P.S. If you’re struggling with your finances or you want to be better with your money, please make sure you check our Free Money S.M.A.R.T.S Platform

237 | Q&A: Barefoot Investor or Money Smarts – What’s the difference, Loan Structure for Rentvestors, Pros & Cons of Buying a Company Title Property and more!

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Folks, we’ve got your voicemail messages… and, yep, today we’re giving you our reply!

‘Cos it’s out favourite day of the month… Q&A Day where we answer YOUR SpeakPipe Questions! And, we’ve gotta admit… a few of you folks have asked us about “The Elephant in The Room”… aka… a certain Barefoot Investor and how Scott Pape’s money management differs from our Money SMARTS system. Oh, and of course, there’s also some contrasting views on property as a long term investment as well… which, as you likely know, is something we’re pretty keen on…

So let’s tackle the answer, shall we??

Before we get into your questions, here’s the resources mentioned today…

Question from David on the Barefoot Investor…

Hey guys, Dave here. Today I wanted to talk about the Elephant in The Room… or at least the bear in the room. I have just finished listening to the Barefoot Investor audiobook — and it’s safe to say I’m am a little bit confused. While Scott’s money management method seems to align with yourselves, “Mojo” and “Fire Extinguishers” are a far cry from Money SMARTS. And then came a bomb shell… “Property Investing is a Dud Investment” and, yes, as he suggested, my eye was twitching.

Scott had some pretty negative things to say about property, particularly over the long term. Mainly because the last 24 years has been an economic outlie, given the negative gearing benefits and large pop growth due to baby boomers, suggesting that “doubling in 7 – 10 years” rule, which of course is a rule of thumb, over the next 40 years would be near-on impossible. Then he counteracted his whole argument with compelling evidence of strong long term growth in bonds, shares and index funds. Now, don’t get me wrong, I took some really good nuggets out of his book, but the differences between your method and his are STARKLY different. I mean, he doesn’t even suggest putting money in offsets. Can you please help me decipher this book? Thanks guys, love your work.

Question from Shane on buying a unit in a company trust…

Hi guys, my name’s Shane. Am just wondering about buying a unit in Sydney under a company title. Could you please explain any pros and cons for this type of unit. I’m looking to rent it out for 5 years then move into it myself and keep it for the long term. I appreciate any advice you can give my and thanks very much! Bye.

Question from Aaron on Bank Structure as a Rentvestor…

Hi Ben and Bryce, my name’s Aron, absolutely love your podcast. I binge-listened to 220-odd episodes in 3 months when I first found out about it. I just have a question here in regards to structuring your bank accounts. We rentvest. I understand if it’s a PPOR, you’d want all income coming in to that offset account, but because we rentvest, do you have just one bank account where all the rent and all the mortgages come out from, or do you have a separate bank account for each property, where the rent and subsequent mortgage comes out of, didn’t manage to hear anything about structural bank accts in any of the podcasts, so apologies if I’ve missed it and you have discussed it. But I don’t think I’ve heard anything about it so very interested to hear your response on that, especially if you do end up having 5/10 properties. Look forward to hearing it on the podcast at some stage. You guys are absolute legends! Cheers.

Question from Craig on selling a property at a loss or wait to recoup loses…

Good afternoon The Property Couch, my name’s Craig and I have a question. My partner and I currently own 3 investment properties between us. 2 of these properties are performing quite well, in terms of growth and low upkeep. The third investment property in Darwin was originally bought as a PPOR and is not performing well as an IP. The market is at the 32% downturn and is unlikely to recover any time soon. My question is… Should we sell the property at a loss and still walk away with about $30,000 to reinvest into a new or existing investment, OR should we hang onto this investment long term with the intent of recuperating our losses, even though this property costs us about $8K a year? Thank you for your time.

236 | Revealed: Why Off The Plan Properties Almost Derailed a Property Portfolio

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Want to hear from a guest listener who was Snagged by Spruikers and Bought Off The Plan? ….. AND STILL somehow managed to turn their property portfolio around??

Yep, it’s an Epic story, folks! And today’s guest, Danson Kwok, sure has HEAPS of tips & tricks — incl. how to maintain a solid mindset even through dark times — to share with you!!

‘Cos his substantial multi-million dollar property portfolio has now been tweaked and steered back on track through the sale of certain properties and learning the true art of manufacturing equity!!!

So. What triggered all this? AND how did Danson and his wife maintain their belief in property to get to where they are today?

… Let’s find out!!

 

Oh, and folks….. we’ve got a bit of “backstage” info to share with you…

We’re filming our FIRST EVER ONLINE COURSE!!! And we wanna invite you to come along live and watch it for free!

Here’s the deal, right… We get that everyone’s at different stages of their journey. Some of you folks are cool just to get your info from the podcast each week (which we LOVE!)… and some of you are itching to get your hands on more valuable content… BUT… for whatever reason…you’re simply not in a position to seek advice OR maybe you want to have a crack at doing it yourself (DIY Style)!! SO we’re creating a 6+hour online course consisting of OUR ABSOLUTE BEST GOLD… which we’ll later sell for a few hundred bucks for the folks who want that Next-level knowledge!

But… ‘cos you’re already in our tribe, we want to let you access it for FREE… one-time while we’re live…!!

FREE LIVE ONLINE COURSE: Everything You Need to Know to Earn $2,000+ Per Week in Passive Income

CLICK HERE FOR THE AGENDA: What we’re teaching on each day – Weds 19th, Thurs 20th. Fri 21st @ 1PM -3PM

And here’s the list of resources mentioned today!

 

… Back to today’s show!!! What are you in for??

  • How did they begin their investing journey?
  • How did he get his advice when he was living in Singapore and investing in Australia and New Zealand?
  • How is Singapore real estate different?
  • What were the types of properties that DIDN’T go well??
  • How many Off the Plan purchases had Danson and his wife purchased?
  • What was that first property?
  • Did they come with a rental guarantee? Why?
  • How do these Spruiker expos work? How much was their commission?
  • When did he find out his off the plan properties were duds?
  • What was the reality of Off the Plan pain?
  • Did these properties cause problems with bank valuations?
  • How did he get his finance when he was overseas??
  • How do offshore banks work?
  • How many properties did they keep in their portfolio once they moved to Australia?
  • How did he continue to take action even though he made mistakes?
  • Is he still buying properties?
  • How’d he ride the credit crunch?
  • How can you manufacture equity?
  • What are the 5 ways to manufacture equity? Who is it for?
  • Is renovation like any of the Reality TV shows?
  • What was his journey with subdivision like?
  • Is there a Rule of Thumb for strata properties?
  • How much does it cost to turn one lot into 2 lots?
  • What should you keep in mind with subdivisions?
  • What happened when they were on the end of a fake invoice?
  • How much was at stake? Did they get their money back?
  • Final words of advice!

Make sure you tune in today!

Don’t forget… if you’re interested to get a copy of Effie’s book, we’ve got TWO copies to giveaway!! Just tell us your #1 Money Hack on Facebook for your chance to win!

PLUS we’ve been doing a couple of LIVE this week! The feedback had been pretty good so so if you haven’t noticed it on Facebook yet, here’s the replay.

And….. If you’re interested in our TPC LIVE 2019 – 3 Day event, check it out here!

235 | Money Hacks from the Money Queen – Chat with Effie Zahos

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Folks, we’re up and about today!

Because not only is our dear friend Effie Zahos… aka the Money Queen… finally back on the Couch with us (It was WAAAY back in Episode 105 that we last checked in with her)… there’s also been a bit of a rate movement this week… the first in nearly 3 years! (Well, that, and our footy teams’ played each other on the weekend and Bryce came out on top of ol’ mate Kingsley!!)

What this rate movement means is a little more money in the bank for mortgage owners, which, especially when coupled with today’s episode that’s jam-packed full of Money Hacks, means that there’s a bit of extra money on the table that you can put to work for you. Of course, it does also mean that the Australian economy isn’t performing as well as the Reserve Bank of Australia (RBA) had hoped, and ultimately there’s a LOT to be said about this decision. So, Ben has created a video on the June RBA Cash Rate Drop, which goes into detail about all this. You can check out the new rate announcement here.

But back to the wonderful, wise and VERY money-savvy guest who’s joined us today…!

It’ll probably come as no surprise to you who the Money Queen is… but we’ll take no chances… and remove all doubt as to who Effie Zahos is!!! She is indeed the “Money” Queen… as in Money Magazine‘s finance editor for over 22 years! Well, we should say WAS the editor cos up until very recently, Effie decided to hang up her Money boots and walk in her own shoes instead… and she’s JUST released a brand new book, A Real Girl’s Guide to Money: From Converse to Louboutins!!
And today she’s sharing her best Money Hacks and financial tips so that you can stay on track of your hard-earned cash and make sure you have enough in retirement!

And, yep, if you hadn’t put two and two together yet… Effie’s personally worked alongside the likes of the Original Money Guru, Paul Clitheroe — our 200th episode’s very special guest — for a couple of, ahh, DECADES.

So you’re in VERY safe hands!

Also in today’s ep, we let the cat out of the bag on Bryce’s Brand New Free 3-Part Video Series…

[REVEALED] The Money Saving Hacks The Banks Don’t Want You To Know About —- Free 3-Part Video Series

Money Saving Hack #1 — How To Make Sure You NEVER Pay Interest on Your Credit Card

Money Saving Hack #2 — How To Never Unconsciously Overspend Ever Again

Money Saving Hack #3 — How To Put Your Finances on Autopilot

Fill in the form below and we’ll email you the videos right away!

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Oh and folks, Effie Zahos has been generous enough to EXTEND THE DISCOUNT on her brand new book… A Real Girl’s Guide to Money – From Converse to Louboutins… until 08/07/19!!!

To access the discount, head here: https://www.magshop.com.au/a-real-girls-guide-to-money
… And put in this code: HREAL19

Once entered, the discounted price will be $19.99. Instead of the RRP of $24.99 😉👍 #MoneySMARTS

 

Here’s what you’re about to learn from the Money Queen…

And of course, if you’re interested to get a copy of Effie’s book, we’ve got TWO copies to giveaway!! Just tell us your #1 Money Hack on Facebook for your chance to win!

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