Episode 13: Lifestyle Inflation vs. Generosity

Have you ever noticed how easy it is to start spending more when you’re earning more? New job, pay raise, or side hustle success—it’s tempting to upgrade your lifestyle just because you can. This phenomenon is called lifestyle inflation, and while it can feel like a reward for hard work, it can also derail your financial goals.

In this episode of Money Matrimony, Hayson and Nikki dive into:

• What lifestyle inflation is and why it happens.
• How to recognize when it’s sneaking into your life.
• Practical strategies to keep your expenses in check, even as your income grows.
• Why generosity may be the ultimate antidote to lifestyle inflation.

The conversation takes an inspiring turn as we share how earning more is an opportunity—not to spend more, but to give more. Whether it’s through money, time, or resources, generosity can bring more joy and fulfillment than any material upgrade ever could.

Challenge for Couples:

Talk with your partner about one area where lifestyle inflation might have crept into your lives. Then, think of a way to redirect those resources—whether to savings, investments, or an act of generosity that aligns with your values.

Let’s start using what we earn to create a life of purpose, not just possessions. 💛

#MoneyMatrimony #LifestyleInflation #GenerosityMatters #SmartMoney #FaithAndFinances #CouplesWhoSave

Hosted on Acast. See acast.com/privacy for more information.

Episode 12 - Building Your Emergency Fund: Building Peace of Mind for Life’s Surprises

In this episode of Money Matrimony, Hayson and Nikki get into the essentials of creating an emergency fund—why it matters, how much you should set aside, and the steps to make saving for unexpected expenses achievable.

With stats showing that over half of Australians have under $20,000 in savings, it’s clear that financial stability can be fragile.

Hayson and Nikki explore what an emergency fund should cover, when to use it (and when not to), and why having one is especially crucial for families.

We share real-life stories of how our own emergency fund has helped during unpredictable times, plus tips for starting and growing a fund even when money is tight.

If you’re ready to protect your peace of mind and bring financial security into your relationship, tune in for practical, relatable insights you and your partner can start applying today.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony/

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 11 - From Duo to Trio (and Beyond): Smart Money Moves For A Growing Family | Budget 101: Part 3 of 4

In this episode of Money Matrimony, we return for Part 3 of the Budget 101 Series, focusing on a topic that every couple with expanding families faces: how to plan and budget for a growing family.

With the rising cost of living and the complex decisions that come with raising children, budgeting for a family isn’t what it used to be.

We break down practical steps, share personal insights, and provide tips to help couples budget effectively while navigating life’s transitions together.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony/

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 10 - Does avocado on toast actually prevent you from buying a property?

In this episode of Money Matrimony, we dive into the heated debate around avocado toast being blamed for why millennials struggle to buy homes.

Is it really the culprit, or is there a bigger issue at play?

In this episode we break down this popular myth and uncover how small spending habits and personal values can have a significant impact on your financial future.

Our conclusion to this much debated question might just surprise you—tune in to hear our take on this modern debate and what it means for your own property goals!

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony/

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 9 Show Notes: How We Budgeted and Managed Our 4-Week Asia Trip

In this episode of Money Matrimony, we take you through all the details of our recent 4-week family holiday to Asia. After four years of planning (and 2 children in between), we finally made it happen! 

We’ll dive into why we decided to spend a significant amount on this trip and the importance of making these family memories, even if it comes with a hefty price tag.

We’ll also break down how we budgeted for the trip. If you’ve ever wondered how to manage expenses during a holiday, we’ve got you covered. 

We’ll share tips on tracking expenses, managing prepaid costs, and how to deal with unplanned surprises like our Japan Shinkansen incident.

Finally, we’ll share some of our favorite travel hacks: from using points and booking early to off-peak travel and making sure you stay within your means (don’t go into debt for a vacation!).

At the end of the episode, we reveal the exact number for exactly how much on our 4 week trip in asia for our family of 5.

This episode is full of practical advice and a bit of fun as we reflect on our journey. We hope it helps you plan your next adventure! 

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

___________________________________________________________________

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. 

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 08 - How Kids Affected Our Finances: The Real Cost of Raising a Family

According to recent research the cost of raising a child to adulthood is $557,013 which is the reason why many chose not to have children.

In this episode of Money Matrimony, Hayson and Nikki dive into the financial realities of raising children. From unexpected expenses to lifestyle changes, sharing personal stories about how having kids impacted their finances in ways they didn't anticipate. 

We talk about practical tips on how to plan for these costs and strategies to keep your budget on track while raising a family.

Whether you're a parent or planning to become one, this episode will help you navigate the financial challenges of parenthood.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/the.moneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

___________________________________________________________________

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional. 

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 07: Obstacles to Budgeting with Your Spouse

In this episode of Money Matrimony, we delve into the common obstacles couples face when trying to budget together. We explore five major challenges - lack of financial literacy, unrealistic expectations, past financial mistakes, power dynamics, and inconsistent tracking and we share practical solutions to help you overcome them.

Join us as we discuss our personal experiences, the importance of open communication, and how to foster collaboration in managing finances as a team. Don't miss our tips for building a successful family budget!

Key Takeaways:

• Identifying and overcoming financial literacy gaps.
• Setting realistic expectations for budgeting success.
• Addressing past financial mistakes and moving forward.
• Navigating power dynamics in financial decision-making.
• Importance of consistent tracking and monitoring of expenses.

Plus, we have a special treat for you – we are sharing with you the exact template that we’ve been using and evolving to manage our family budget for the past 10+ years!

Click the link below to download our budget template for FREE!

https://bit.ly/3zbq7hK

Join the Conversation:

Share your budget challenges or successes with us on Instagram @TheMoneyMatrimony or Facebook. We’d love to hear from you!

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/themoneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 6 - Income Disparity

When Australia’s Workplace Gender Equality Agency (WGEA) released their gender pay gap report on 27th of February 2024 it sparked a lot of discussions around gender pay gap & income disparity.

But that's only half the story, there is often the hidden side of income disparity that no one sees, often goes unnoticed and not talked about.

Income disparity in relationships; where one party earns more than the other and, in some cases, where one partner is the sole bread winner and the other partner does not have any income at all. This is often the case when women decide to have children. The affect that this can have on many relationships often remains behind closed doors and not talked about in the public. 

In this episode we aim to lift the lid on that as we tackle this often very private subject head on by looking at income disparity in our relationship and how it has affected our relationship but also what we've done to address this prickly situation.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/themoneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 5 Show Notes

Welcome to the first part of our four-part series on budgeting! In this episode, we dive into the fundamentals of family budgeting. We’ll explain what a family budget is, why it’s crucial for financial health and management, and provide a step-by-step guide on how to build an effective family budget.

Plus, we have a special treat for you – we are sharing with you the exact template that we’ve been using and evolving to manage our family budget for the past 10+ years!

Click the link below to download our budget template for FREE!

https://bit.ly/3zbq7hK

Use this budget template and follow our 6 step budgeting process to help you get started on your budgeting journey.

1. Gather information
2. Have the conversation: Setting financial goals (e.g., saving for emergencies, paying off debt, saving for college).
3. Identifying sources of income (e.g., salaries, side hustles, investments).
4. Tracking monthly expenses (e.g., housing, utilities, groceries, entertainment).
5. Put the information and projections into a budget template
6. Adjust the budget over time

We’d love to hear from you!

• Have questions or tips about budgeting? Share them in the comments below or on our social media channels!
• Let us know how the budget template works for you and any adjustments you made.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/themoneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.

Episode 04 - Weathering the Storm: Navigating Financial Stress in Your Family

In this episode, we’ll be diving into a crucial and sensitive topic: navigating financial stress in your family.

This is such an important topic to discuss because at some point in your relationship and in your family, you will face financial stress and pressures. You might’ve already experienced it and lived through it or you might actually be experiencing it now with the cost of living crisis around us and if you haven’t already, you will  at some point in the future.

So it’s all the more important to know:

• How to identify financial stress – how financial stress shows up in our individual lives, our relationship and our family.
• Common sources of financial stress
• Impact it can have on our relationships such as our marriage, family and kids
• Ways to address and prevent financial stress; strategies that we’ve implemented to minimise financial stress on our family.

Financial stress doesn’t necessarily reflect your actual financial situation, you can feel pressure or stress even if you are in a good financial position. They can be triggered by big circumstantial changes. Even when you plan, you may feel it.

*****Make sure to hit the subscribe button and join the conversation!*****

Follow our socials

Instagram https://www.instagram.com/themoneymatrimony

Facebook https://www.facebook.com/themoneymatrimony

Linkedin https://www.linkedin.com/company/the-money-matrimony

------------------------------------------------------------------------------------------

Disclaimer

Please note that nothing in this podcast should ever be considered personal financial advice. For advice specific to your situation & needs, we encourage you to speak to a finance professional.

The information provided in this podcast, Money Matrimony, is for entertainment and informational purposes only. Whilst we are passionate about personal finance and share our experiences, opinions, and insights, it should not be construed as financial advice.

Listeners are encouraged to seek the advice of a qualified financial advisor or professional before making any financial decision. Every individual and couple's financial situation is unique, and what works for one may not be suitable for another.

The opinions expressed by the hosts and any guests on the show are their own and do not necessarily reflect the views of any organizations or institutions they may be affiliated with.

Money Matrimony does not guarantee the accuracy, completeness, or reliability of any information shared on the podcast. Listeners should conduct their own research and exercise their own judgment when making financial decisions.

By listening to Money Matrimony, you agree that the hosts, guests, and producers of the podcast are not liable for any financial losses or damages that may result from actions taken based on the information provided in the podcast.

Hosted on Acast. See acast.com/privacy for more information.