We Talk Cents

Get the free WeMoney 2021 Goals planner here.

Want to further improve your negotiation skills? Find Ben Byth on linkedin. Or learn more about Scotwork.

If you're feeling inspired by Matt Caruana's story and want to get to know him a bit better, visit his website or hit that follow button on his Instagram.

If you'd like to get a full picture of your financial health Download the WeMoney app.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Find yourself falling into a personal finance education spiral over at Tash's Tiktok. Alternatively, you can scroll through her Instagram feed here.

Download the WeMoney app

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Sources:

ACCC Home Loan Price Inquiry

Shonky Awards for Pet Insurance

Considerations for Pet Insurance

Do you have to be the wolf of wall street to start investing? Do you need a lot of cash to start? Is there a safe way to invest? Justin Baldori joins us to answer all of these questions. 

To learn more about stocks or watch any of Justin Baldori's entertaining and informative videos check out his YouTube channel.

Have you ever saved up for a holiday? Or put money aside for something coming up in the future? You may have unknowingly created a sinking fund. Dan & Blaize share their thoughts on sinking funds, how they work and how you can make them benefit you.

Download the WeMoney app

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

To chase the joy of the intangible feeling of gifting, check out the Buy Nothing Project for more info or to find your local group.

If Natasha's decluttering skills pique your interest feel free to reach out or get in touch with her via her website Cure8yourlife.

Download the WeMoney app

Sources:

The Barefoot Investor

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Spending season is just around the corner so we call in an expert to warn us of the 4 most common debt traps that people fall in when it comes to using fringe credit providers. Saurav Dutta is the head of accounting at Curtin University, he's worked in the New York State Attorney Generals office and done some remarkable work involving the reparations of Swiss francs to Holocaust Victims. Saurav brings his wealth of experience and knowledge to the podcast booth.

The Budget breakdown series also continues with a look at the pro's and cons of The 60% Solution, a budgeting method coined by former MSN Money editor Richard Jenkins.

Read Saurav's article on The Conversation here.

Download the WeMoney app.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

With just over 5 weeks left to go until the fat man slides down the Chimney,  it's time to start thinking and planning for Christmas. Dan and Blaize share their tips on creating a budget to cover all the unexpected costs at Christmas, plus some handy apps that may help you save your hard earned dosh on presents. For a deeper dive into the Christmas budget, read this.

If living it up in houses with button controlled blinds is your thing, then check out Lisa's blog Dreaming of Down Under for tips on house sitting, moving to Australia and her many road trip itinerary's. If an insta stalk is what takes your fancy then you can check out her gram. Be warned, it contains epic travel shots and you might get struck with jealousy.

Sources:

Christmas Debt Hangover.

Australians waste $411 million on unwanted gifts.

If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

There has been plenty of talk about Superannuation lately so we phone a friend to ask what on earth is going on. Helen Hodsgon, Director of Graduate Studies for the Curtin Law School  joins us to share her expert insights. Helen discusses inequality in super, the power of compound interest and how super is impacted by the gig economy.

Helen Hodgson has shared much of her research into superannuation on the conversation. Take a read of her work here.

If the Zero-based budgeting method tickles your fancy read this.

Sources:

Australian's smashing their smartphones.

Mobile phone insurance.

Cracked phone screens.

If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

If you're craving a flight or are curious to learn more about FIRE, you can visit Captain FI here. Check out the in flight entertainment by taking a peek at the Captains recommended reading list. Follow the captains advice and track your spending with the WeMoney app.

Saving for a rainy day? Visit MoneySmart for more information on emergency funds.

Sources:

Credit cards make you spend more.

RBA statistics on cash use in Australia.

If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Would you dive into a skip bin to save money on your Groceries?  Meet Freya Gan, a Dumpster Diver who does exactly that. Dan and & Blaize also embark on a budget breakdown mini series, this episode taking a look at the 50:20:20 method of budgeting. 

For anyone considering buying their first home, your hosts continue their discussion on the current concessions and grants offered by the Australian Government, sharing insight on the First Home Owners Grant. To read more about the schemes in place, check out the WeMoney blog.

If you're curious to see the spoils of our guest Freya Gan's hauls? Check out her instagram @Bincuisine.

Sources:

Food waste facts from OZ Harvest

For the latest data on labour and earnings in Australia from the Australian Bureau of Statistics.

If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.

Disclaimer

We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.

Don't know what a credit score is? Or why it's important? Don't worry, we've got you covered. Dan & Blaize talk credit score 101 - what it is, why it matters and what impacts your rating. 

The Government also announced an additional 10,000 places have been added to the First Home Loan Deposit scheme as of October 6th, 2020. Dan and Blaize discuss what the changes are and how to apply.

Plus, you'll get to meet Royce, a 21 year old student investor who is doing such a good job of managing his finances that he makes your hosts jealous.

Want to know more about credit scores?  Check out MoneySmart for more details.

For more information about the First Home Loan Deposit Scheme check this out.

If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.