Welcome to the Reality Cheque - talking all things finance for kids. In this episode, we are going to talk about the simple steps you can take to give your children the financial head start they need. Why is it so important to start talking to your kids about money? Why should we give them the responsibility of financial decisions as early as we can? Many of the core financial lessons for kids are the very same for us all, how do we choose what to spend our money on? How do we save money? Hopefully this episode will give you some good tips to set your children on the right path to their own financial security. 

Brendan Madden

Financial Adviser - 0490 046 095

[email protected]

Teaching kids about money:

https://moneysmart.gov.au/teaching-kids-about-money

Where to Find A Financial Adviser:

https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser  

Disclaimer: Any information or advice in this podcast is of general nature and does not take into account your personal circumstances, your objectives, financial situation or needs. You should consider whether this advice is suitable for you and your personal circumstances. The Reality Cheque suggests you consider seeking professional and tailored advice. 

Welcome to the Reality Cheque - talking all things Superannuation. In this episode, we are going to introduce you to some of the basics of Super. Why is it so important? What simple steps can I take to make sure I’m not paying too much in fees or that I’m invested correctly. Mostly just getting you thinking about your Superannuation -  such an important aspect of our financial lives and something we should all give a little bit of love to today!

Where to Find A Financial Adviser:     https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser  

Lost Super:     https://moneysmart.gov.au/how-super-works/find-lost-super      https://www.ato.gov.au/forms/searching-for-lost-super/

Consolidating Super   https://moneysmart.gov.au/how-super-works/consolidating-super-funds

Protect Your Super - insurance within Superannuation     https://www.apra.gov.au/protecting-your-super-package-frequently-asked-questions

Disclaimer: Any information or advice in this podcast is of general nature and does not take into account your personal circumstances, your objectives, financial situation or needs. You should consider whether this advice is suitable for you and your personal circumstances. The Reality Cheque suggests you consider seeking professional and tailored advice.

In this episode we are going to tackle the mighty house-hold budget. What are the simple ways to organise a budget and start to look at the management of our cashflow. Our expert today is Nick Preshaw who has worked as a Financial Adviser, and now as a coach - training financial Advisers for one of the countries top 4 financial institutions. Hopefully by the end of the episode, you will have some insight into what you are spending and simple ways to start changing your attitude towards spending and saving! 

Where to Find A Financial Adviser:

https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser  

Tips on a budget:

https://moneysmart.gov.au/budgeting/how-to-do-a-budget  

Examples of Discretionary Costs: 

 Groceries 

Leisure activities, going out, sports events, socials, theatre

 Take-away food

Clothing / retail

Holidays

Travel costs (ubers/cabs)

Examples of Fixed Costs:

Mortgage repayments / rent

Gas, electricity and rates bills

Phone, internet

Insurance

Loan repayments 

Fixed fees, child care costs, school fees, gym and other memberships or subscriptions, sponsorships  

Car registration 

Medical costs

Disclaimer: Any information or advice in this podcast is of general nature and does not take into account your personal circumstances, your objectives, financial situation or needs. You should consider whether this advice is suitable for you and your personal circumstances. The Reality Cheque suggests you consider seeking professional and tailored advice.  

Making the complex simple. We are so excited to launch this Podcast with your host Gen Frost. We are here to demystify financial terms and the concepts that matter the most to you. Alongside our expert guests, we are going to shine a light on all the key financial issues, start to explain them in simple terms and help you take baby steps towards financial security for you and your family. Please follow us and send any questions to our email: [email protected]

In this episode we are going to chat all about household Debt. We will tackle Home loans and credit cards and what small steps we can take to get on top of this grey area in our lives. Our expert today is the wonderful Drew Ivory, who has been a mortgage broker for over 11 years and is going to provide some invaluable tips and tricks, especially for so many of us impacted by the uncertain climate of today. Hopefully by the end of this episode, you will be able to ask the right questions, seek the right advice and confidently face up to your debt. 

Drew Ivory - Senior Mortgage Consultant, Broadley and Associates Mortgage Brokers

[email protected]

Ph: 0401 413 079

Compare your mortgage online:

https://moneysmart.gov.au/home-loans/choosing-a-home-loan  

https://www.comparethemarket.com.au/home-loans/ 

https://www.canstar.com.au/home-loans/

Credit Card comparison 

https://www.comparethemarket.com.au/credit-cards/ 

How to find a Mortgage Broker

https://www.choice.com.au/money/property/buying/articles/how-to-find-a-good-mortgage-broker 

Follows Us On Facebook:  @therealitycheque

Disclaimer: Any information or advice in this podcast is of general nature and does not take into account your personal circumstances, your objectives, financial situation or needs. You should consider whether this advice is suitable for you and your personal circumstances. The Reality Cheque suggests you consider seeking professional and tailored advice.