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

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

Click here to Watch The 3-Part Video Series Now

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!

Episode 229 | How to Release Your Money Fears – Chat with Denise Duffield-Thomas

Folks, did you know that almost all of us have buried “bad feels” about money lurking somewhere inside us?? And this contributes — rather significantly — to how we spend and earn our hard earned money… whether we’re aware of it or not!

Ah-huh…. That long-forgotten moment you witnessed when you were five?? … Still remembered! The way your parents spoke about money?? Still remembered! Basically, your psych has stored all your money stories somewhere… and these little tell-tales resurface at the best and worst of times. Say, when you’re putting yet another thing on credit… or refusing to spend a single dollar more than simply surviving. This stuff is not “woo-woo” either folks — it’s legit, and it impacts how each of us responds to and values money… the devil is just in our unique details!

And if there’s one woman who knows ALL about this, it’s a certain someone who wrote a book called —let’s be honest, you’ve probably heard about it — Get Rich Lucky Bitch.

Yep!! Joining us today is Money Mindset Mentor Denise Duffield-Thomas of LuckyBitch.com — aka the woman inspiring, mostly but not exclusively, other women on their very real “money blocks” and how to ditch their fears and simply get on with creating true wealth!! She’s a savvy (but “unbusy”) entrepreneur and the well-respected author of, yes, Get Rich Lucky Bitch as well as Lucky Bitch and most recently, Chillpreneurthe latter, which lets you in on the new rules for creating success, freedom and abundance on your terms!

Now… as two middle-aged fellas who are quick to admit we don’t have all the answers, we’ve gotta hand it to Denise — she, quite literally, is on the money here!! Obviously, we see A LOT of bad money managers and, sure, we’ve got our Money SMARTS Platform to solve this….. but today’s episode is a real eye-opener into WHY people are bad managers and how we (yep… women and men) can reach our absolute potential without lingering on the jitter-bugs from our past!

And folks … you can’t beat an expert in their field who’s “smoking what they’re selling”!!! So, let’s just say… Denise is CLEAR proof of this! Soon you’ll hear just how well her money story’s working out for her … and how you can steal her secrets to success!

Before we crack open the gold, if you’re looking for Julia Hartman’s “Property Tax Pack” that we released last week, you can DOWNLOAD the full Property Tax Q & A from Ep 226 and Ep 228 HERE

Also, Denise has kindly gifted us a copy of Get Rich Lucky Bitch AND her newly-released, Chillpreneur, so if you’re keen to be the Lucky Winner of BOTH BOOKS — Tell us Your #1 Money Block Here for Your Chance to Win!

Here’s what you’ll learn….

Bonusisode – Are You Money Fit?

Yes, it’s finally here!!

After weeks of teasing, we’re finally ready to release this to you!
Have you ever wondered how are you performing? If you’re doing good, bad or ok compared to your peers?

Well, the wait is now over!

Our Money Fit segment is available on the Platform right this moment and is built with that sole purpose in mind.

We’ve decided to launch with the Annual Surplus Cashflow chart but there will many more charts and filters to come so stay tuned!

What are you waiting for?

Log in to the Platform now!  >> https://tpc.moneysmarts.com.au/

 

 

 

 

What are the Best Performing Properties in Australia?

And we are back again on Weekend Property on TODAY chatting with Alison and David about the best performing properties in Australia!

So what are the boys covering in this segment?

 Are we going to continue to see this doom and gloom in the market?
 What are the locations that buyers should focus on?
 What are the three factors that are affecting the value of the location?
✅ Asset selection tips for each of the major cities across Australia

Tune in now to find out more!


Alison: Well, house price in Australia has now been falling for more than a year and many suspects that they will continue to go down.

David: Yeah, it’s such a challenging market it’s hard to know which type of property will perform best for now. We’re joined by Ben Kingsley and Bryce Holdaway all the way from The Property Couch Podcast. Guys, good to see you! It seems to be a bit of doom and gloom out there at the moment. Every time I pick up a paper, it’s a disaster. What are you guys thinking?

Ben: Yeah David, generally speaking, we are probably going to see some further declines in some market across Australia. We had a building boom so we now we got the reminisce of a bit of oversupply and we also got a credit squeeze going on as well which meant that demand side of the equation is also pressured. You know, I think 2019 is going to be a year where it really is about flight to quality and there are certain types of property that are going to perform better than others.

David: But as you said though, is that something that… is it the levelling out that we needed to have as a nation?

Ben: Yeah definitely in terms of it being a manufactured correction in terms of taking over the lending activities and in terms of scrutinising lending policy means that we don’t have the same sort of rush. That definitely affected the appetite for investors as they can’t borrow the money. That’s part of the manufactured correction that we see from the regulators.

Alison: Are there are any suburbs that are bucking the trend?

Bryce: Look, in terms of, helping people.. Because it’s an essential need right? So despite the fact that you’re reading the headlines and it’s saying that it’s really negative, we still need to put a roof over our head. So we like to help people to understand the bigger picture principals to buying property that will probably outperform and it usually comes down to three things. Economic activity, human interest and human behaviour.

So economic activity is just a fancy way of saying how am I going to get a job, is it easy to get to work in the morning, am I too far out, do I have a huge commute because that’s going to make a huge difference. Alternatively, if you’re in a mining town, you’ll get a job but you won’t have the other ones.

Human interest is, what am I going to do at the weekend when I’m not working? Is there a park, is there a cafe, can I meet up with my friends, is there any water nearby?

And the third of is human behaviour so that’s largely the status test. So what would people think of me if I live in this suburb? Do they think very highly of me or do they think I’m in a lower socio-economic area? Alternatively, in a gentrifying area. So if you overlay economic activity, human interest and human behaviour across the suburb in a market like what we’ve got now, it’ll help you make a decision into what suburb you’re looking at.

David: Alright let’s talk about the suburbs. What areas are best in each city? Take us through!

Ben: Yeah if we do a fly-around, I’ll start with Brisbane. Brisbane is a story of a river city. So in terms of being closer to the river and if you can get on the north side of the river, that’s probably where the job opportunities are. Then if we look at Sydney, it is a story of being close to the harbour and also the beaches. Obviously, you got bigger congestion as you get closer to the CBD but because of that, being close to a train line helping you get around the city a little bit easier. There are some of the drivers.

Bryce: Now in terms of Brisbane, there are similarities to Sydney but it doesn’t have the harbour or beach as a driver so it’s really how close can I get to the CBD. And that congestion is enormous so we got to make sure you’re buying in an area with a train line or access to a train line. Hobart, that’s all about views and being able to walk to the CBD because it’s such a lifestyle location.

Ben: Yeah terrific. And then we go to Adelaide. We are starting to see a bit of a theme here in terms of access to jobs, CBD, greater amenity but also the beach story there and it’s a bit of that also for Perth. Bit of rinse and repeat for Perth. We’re talking about the beautiful coastline there so we can be closer to the beach where there is a bit more scarcity in the land there. And then also, getting into the job centre so coming back towards the CBD. So the proximity pieces where you get all of those amenities together is what gonna drive those demand in those better areas.

Alison: Keeping in mind, the more the proximity to those things is also going to cost you more.

Ben: They do.

Alison: So how much can you afford is going to be an issue.

Bryce: Yes exactly! Some people can’t do more, can they?

Alison: Alright gentlemen, thanks for joining us this morning and thanks to those tips.

Boys: It’s a pleasure, thank you.

 

And there are heaps of other free resources on our website. We update them every week so make sure you check them out before you go. 🙂

Any questions or suggestions for new topics? Just send them in to info@thepropertycouch.com.au or fill in the form below and we’ll chat about it at our future Q&A episodes.

 

 

 

Episode 219 | How going from 30 properties to Bankruptcy shaped this riches to rags… and back again story! Chat with Julie Ann Cairns

Wow-wee does this episode contain ALL the gold… and then some!!!

Unlike a “rags to riches” story, today’s very special guest — Julie Ann Cairns — shares her personal experience living RICHES to RAGS… and how she finally managed to overcome the money pattern that kept resurfacing in her life.

Of course, today Julie’s life’s mission is to empower people to live an abundant life free from false beliefs — and in this spirit, she wrote The Abundance Code – How to Bust the 7 Money Myths for a Rich Life Now (we’ve got two copies up for grabs, see further down for more 🙂 ) And as an economist and statistician, with over 25 years of experience in the fields of wealth creation, financial market education, and financial advice… this book makes sense…

… BUT that’s NOT where her story started!

Julie’s rollercoaster ride with money dug its roots right in when she was too young to question it — her father was a successful surgeon, her parents were property investors in a position to send their kids to prestigious schools, they lived in their dream home on a lake in Canada… in fact, they were so wealthy they could even to afford to own a “couple of airplanes”!!! (Crazy, huh?)

But then her parents lost everything. And what happened next triggered a chain of events that made Julie swear she’d NEVER end up bankrupt… except that, years later, she was in an almost-identical situation herself.

So… how on earth did she end up in the same predicament? And, most importantly, WHAT did Julie discover that explained why this was likely the case???

Folks, to give you a bit of a teaser… what Julie discovered about “subconscious barriers” is a GAME CHANGER for your own financial (and personal) wellbeing!

(So much so, you’ll barely hear Ben in this podcast — **speechless**).

 

Before we get into the guts of today’s episode, CLICK HERE to Get Julie’s “Scare City vs The Abundant Forest” Diagram Mentioned in Today’s Show

Oh, and interested in getting your hands on a copy of Julie’s book for free?

For your chance to win, head to our Facebook Page and under the photograph of The Abundance Code, tell us in 25 words or less why YOU need a copy of Julie’s book.
Offer ends at 11:59 PM, Monday, 25/02/19.

 

Here are the teasers in today’s episode…

 

p.s And here’s the diagram we were talking about on the podcast!

 

 

 

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