Making Money Easy

Want to know what the vibe is with the Australian economy right now? This is the episode for you. We pick apart the recent economic news and data and the latest speeches and comments from the Reserve Bank Governor and Deputy Governor and give you the ANSWER. Plus should we be worried the RBA is in 'negative equity' - heck what does that even mean? We check in on the latest on inflation, Australia's population, the childcare price inquiry AND are you ready for the cut in the fuel excise to end? What's coming to a bowser near you. CommBank Senior Economist Belinda Allen and Impact Economics Lead Economist Angela Jackson join Gillian for this jam packed chat. Find out more about Gillian here.

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Do you have a link in the bio of your social media accounts? Here's my instagram if you want to know I mean. Ever wondered about one of the main companies behind it? LinkTree - is the brainchild of Australians Anthony Zaccaria, Alex Zaccaria and Nick Humphreys. Founded in 2016, and the first of its kind, Linktree is now utilised by more than 25 million users globally including TikTok, Selena Gomez, Red Bull, Alicia Keys, Facebook, the Los Angeles Clippers, Jessica Alba, Comedy Central and HBO. When your life online can be fragmented, think of LinkTree as a link that does it all. So how did it all come about? What's it like being an Aussie extrepreneur on a global stage? How about being known as a social media tech start-up 'unicorn'? This episode we pick the brain of LinkTree Co-Founder Anthony Zaccaria. There are tips for wanna-be entrepreneurs, what to do if you have a GREAT IDEA, how to find the right people to learn from, using your profit to grow the business, surprises and the biggest challenge of all - REDUNDANCIES. It's a must-listen. Click here for Gillian's LinkTree.

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Five months in a row of hikes - you feeling it yet and what's ahead? If you're a mortgage holder - listen up - it's not about you! Want to find out WHY?! Listen to this episode of Making Money Easy. We've also got the latest on how the hikes are impacting inflation and when you'll start to notice a difference on prices. Plus there's been a Jobs Summit in Canberra - hosted by the new Albanese Labor Government. There are some solid actions that will impact YOU, your children, your siblings, your friends, your colleagues - find out HOW. This is a must-listen episode too on why it's worth reporting gender pay gaps - we wonder what Federal Parliament's will look like?! Our brains this episode - Stephen Koukoulas, Managing Director at Market Economics and Adelaide Timbrell - Senior Economist at ANZ Bank. Find out more about Gillian here.

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When did you learn what you know about money? How did you learn the basics and from WHO? Is the knowledge you have - any good? For many Australians - particularly teenage girls and young women - they leave home with no idea how to manage their money. This episode we meet Michelle Bowes - a personal finance writer. She’s written a book for teenage girls called MONEY QUEENS. It’s ‘full of tips and tools to help you avoid the gaps, traps and mishaps of money management.’ Among the useful topics: saving, budgeting, credit cards, BNPL, super and investing. Listen along as Gillian and Michelle take you on a learning journey. To find out more about Money Queens click here - it’s a great read (even for parents!) Find out more about Gillian here.

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The RBA rate rises and your bank passing them on, have been coming thick and fast. This episode of Making Money Easy dives into what the increases mean for your repayments, what a 'good rate' looks like in August 2022, how to get a good deal, the cost of loyalty (or laziness), the latest forecasts on what the Reserve Bank will do next and what's ahead for HOUSE PRICES (it'll shock you). Plus, how mortgage holders who managed to nab a low fixed rate during the pandemic can make sure they're not getting short-changed when it expires. There's a lot packed into 30 minutes! RateCity Research Director Sally Tindall joins Gillian to explain. Find out more about Gillian here.

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Residential vs commercial property. How much do you know about how it all works? Which one is BETTER? There are plenty of people who want to increase their cash flow in the face of rising interest rates and inflation but don't know how to get ahead. Positive gearing vs negative gearing? Know the difference and how to make it work for you? What about future proofing your portfolio - heck how do you even get a portfolio?! This episode's guests say there ARE opportunities in this current environment and the key is EDUCATION (and unlearning some habits). On one side is Helen Tarrant - a commercial property buyer's agent and founder of Unikorn which she set up to educate and enable everyday Australians to build passive income and increase cashflow through commercial property. On the other is Lloyd Edge - a residential buyer’s agent and the Founder of Aus Property Professionals. This explainer will really get you thinking about the property market. Find out more about Helen and her resources here. You can find links to Lloyd's books 'Positively Geared' and 'Buy Now' through his company's website. Find out more about Gillian here.

FOR CONTEXT: this episode was recorded on the morning of the July rate rate.

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Consumers are funny. Their confidence levels are like we're in a recession and yet they're still spending up a storm despite the fourth interest rate hike in a row. So what does the Reserve Bank think about the behaviour, especially as it tries with all its might to bring down soaring inflation? And how bad is the financial 'stress' at the moment (remember unemployment is at record lows). Plus the latest productivity snapshot is out ...how do you think Australians have been performing? We dive into the result and what's holding us back. St George Bank Chief Economist Best Deda and Barrenjoey Senior Economist Johnathan McMenamin join Gillian for this insightful discussion. Find out more about Gillian here.

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Inflation is so hot right now. The rise in June 2022 is the second highest since the introduction of the Goods and Services Tax (GST) in July 2000. Ouch. The latest CPI shows the price of goods is rising more strongly than services - so you'll definitely be noticing it in your food bill, your essentials. This episode we pick apart the rises, the impact, and what's ahead for YOU. Plus - the Federal Treasurer has updated Australians about the state of the economy ...and he paints a 'confronting' picture. And as the Reserve Bank prepares for another interest rate decision, we look at what the pending review of the organisation will look like. The brains - EY Oceania Chief Economist Cherelle Murphy and Business and Economy Editor at The Conversation and Visiting Fellow at The Crawford School of Public Policy Peter Martin. Find out more about Gillian here. And apologies for Peter's DOG in the first half - it's gone by the second, so stick with us.

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Are you a sharemarket old hand or thinking about getting involved and don't know where to start. In this episode of Making Money Easy - Gillian picks the brain of Louise Bedford - a share market guru and author of FIVE books, a behavioural finance expert and trader trainer and mentor. They explore what's holding people back, the importance of education, and entry and exit plans. Plus - why you should have a trading mentor and how to work out if they're the right 'expert' helping you - qualifications matter! And before long - the chat dived in a deep chat about how people interact with money and why people make the money decisions they do. To find out more about Louise head to her website: tradinggame.com.au Find out more about Gillian here.

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What a strong unemployment result for June 2022! You're now living in a time when the unemployment rate in Australia is the best it's been since the mid-1970s. As Chief Economist - and friend of the show Jo Masters puts it - there's now 1 vacancy for every unemployed person in Australia. So why are consumers and businesses feeling so glum? The result also has some economists suggesting the RBA needs to hike BIGGER than 0.5% at the August board meeting. Gillian asks BOQ Chief Economist Peter Munckton and St. George Bank Senior Economist Jarek Kowcza if they agree. PLUS - COVID is back on the topic list. How is it impacting business again...and your ability to work? If you want to follow or find out more about the #roamingozwiththebowens road trip - click here.

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