Uncensored Money

Melissa recorded this podcast at the request of someone who messaged her on Instagram asking if there's hope if you're starting again in your late thirties and what she should do.

In it, Mel talks about her own story about coming back from less than nothing as well as 5 strategies to financially move yourself along, no matter your age.

If you know you need more help with your finances make sure you join the My Financial Adulting Plan. Doors are open now, but hurry – they close on Tuesday, 24 May 2022!

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

This week the Reserve Bank of Australia put its rates up for the first time since November, 2010. It's the rate rise that everyone saw coming but that doesn't mean the clickbait headlines aren't everywhere. That's why Mel and Lawsie jumped on for a podcast full of practical tips for what this interest rate rise (and the interest rate rises to come) mean for you.

A mortgage repayment calculator link is also here: https://moneysmart.gov.au/home-loans/mortgage-calculator

If you want to know more, make sure you register for their FREE webinar on Debt https://www.melissabrowne.com.au/debt

Or jump straight onto the Waitlist for the My Financial Adulting Plan which opens its doors on May 15.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money. Finally, if you love this episode please make sure you subscribe and leave us a review.

In this solo episode, Mel discusses the differences between people who play in the finance space; finfluencers, money mindset coaches, financial educators, advisors and more. She also talks about the different roles they play and how they make their money so you can make an informed decision about who to listen to.

During this episode, Mel mentions a download of 9 popular investing apps. You can find it here: https://www.melissabrowne.com.au/investingapps

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In this episode Mel and Lawsie discuss the impact of language and bias on our finances and our lives.

They begin by discussing the response to a recent post on social media by Mel and how women judging other women is not only hurting our finances but potentially limiting what we think we're capable of.

Mel also talks about the importance of self-awareness, that women are still being groomed to be 'nice girls' and why each of us need to question own biases and reactions and to understand what money stories we have.

During this episode, Mel mentions a calculator you can use to determine the cost of your career break on your superannuation and how to catch up on it: https://www.melissabrowne.com.au/supercostandcatchup

Other links mentioned in this episode:

* Budget Without the BS link: https://www.melissabrowne.com.au/blog/the-budget-without-the-bs

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In the fourth episode of Season 3, Mel and Lawsie continue the discussion from last week's episode about the impact of having a break, for whatever reason, from contributing to your super.

In this episode, they discuss language, bias, the importance of having choices and being aware of the financial impact of those choices and then get super practical sharing 5 strategies to catch up on your super (including additional contributions, superannuation rebates, co-contributions, using round-up apps).

During this episode, Mel also mentions a calculator you can use to determine the cost of your career break on your superannuation and how to catch up on it: https://www.melissabrowne.com.au/supercostandcatchup

Other links mentioned in this episode:

* Super co-contributions via the ATO website: https://www.ato.gov.au/individuals/super/in-detail/growing-your-super/super-co-contribution/

* Superannuation related tax rebates: https://www.ato.gov.au/individuals/income-and-deductions/offsets-and-rebates/super-related-tax-offsets/

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In the third episode of Season 3, on International Women's Day Mel talks about an important yet often overlooked cost of a career break; the impact on women's superannuation.

Whether it's a career break while you have kids, start a business, travel, take a sabbatical or commit to further study, Mel runs the numbers on how much super you could be missing out on and shares strategies you can use to make sure the impact of your career break on your super is minimised.

During this episode, Mel also mentions a calculator you can use to calculator the cost of your career break on your superannuation: https://www.melissabrowne.com.au/forgottencostofcareerbreak

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In this second episode of Season Three, Mel talks about an important financial habit she adopted over a decade ago called the 30 Day Financial Detox and how it will help you break up with money and become a conscious and mindful consumer again. Mel shares ideas on how to structure your detox, switch behaviours, set boundaries and create an action plan.

During this episode, Mel mentions a download you can use to design your own financial detox: https://www.melissabrowne.com.au/30daydetox

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In this new season of Uncensored Money, Mel is having chats with Lawsie, with her husband Tony and well, with you!

In this episode, Lawsie and I talk about 9 popular investing apps and compare what they are, what they invest in, features we like, features we're uncomfortable with, fees benefits and more.

During our chat we mention a download you can play along with and the link to that is here: https://www.melissabrowne.com.au/investingapps

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In this special Valentines Day edition of Uncensored Money, Mel is joined by her husband, Tony Larven (also known as #the baldsexyman).

In this twenty first episode of Season Two we have a conversation about money and our relationship. Covering everything from our Money Story, Money Type, how we do money day to day, goals & planning, communication and so much more. It's a sneak peek into how another couple does money and it's our gift to you.

In the episode I mention a free download called 10 Ways to Love on Your Finances which is here: https://www.melissabrowne.com.au/loveyourfinances

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.

In the new season of Uncensored Money Mel is joined by Lawsie, a Gen Y ex-financial advisor and ex-accountant.

In our twentieth episode of Season Two we have a conversation around what we think you need to make sure you are doing with your finances during times of uncertainty (hello covid). We discuss the importance of buffers, what to do with debt, how to invest even if the markets seem volatile, talk about ways to increase your income and perhaps most importantly, the need to protect what you have.

Here are the upcoming FREE events we mentioned in the episode. Click the links to register:

• Debt Webinar - Tuesday 25 January at 7:30pm (AEDT): https://www.melissabrowne.com.au/debtwebinar
• Savings Webinar - Thursday 27 January at 7:30pm (AEDT): https://www.melissabrowne.com.au/savingswebinar

If you know you need more help with your finances make sure you sign up to the waitlist to be first to know when we launch the next round of the My Financial Adulting Plan.

If you're not already, come play over at insta at MelBrowne.Money and make sure you are signed up to Mel's Money Musings and Monday Money Moments (yep, we love us some alliteration) for more tips, tricks and ideas on how to best work with your money.

Finally, if you love this episode please make sure you subscribe and leave us a review.