Ladies Finance Club

Okay, you might not be a millionaire by tomorrow (or maybe you already are 👑 BUT you could make it your mission in however many Christmases time that you will be! Consider this a Christmas gift for your future self. ⁠
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This simple table shows you how simple it is with compound interest- if you give yourself as much time as possible! Time IN the market, not TIMING the market. If you start early, you can put a minimal amount away and just let it sit there and make money for you in your investment portfolio, and if you're starting a little later in life (it's never too late) you'll just have to knuckle down and invest a bit more! ⁠
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No matter when you're starting, the time is NOW! ⁠
⁠And before you say where do you get 8,% return from this is industry standard for an S+P or ASX index fund.
If you're an investing newbie, get your hands on our investing course for beginners on our website to start your journey to becoming a millionaire!

Comment GROW to come to Monday's session.

“BUY IT FOR LIFE” (BIFL) is a concept that involves investing in durable and high-quality items that last for many years, rather than buying cheap products that need to be replaced frequently. While this approach has its own pros and cons, it’s worth considering when making purchases.⁠
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👉 Some brands are known for producing BIFL products, such as Yeti, Birkenstock, Patagonia, and Le Creuset.⁠
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👉 In times of economic crisis, the idea of BIFL may seem like a foreign concept. However, it can be a useful way of thinking to avoid impulse buying and purchasing low-quality furniture or clothes that fall apart quickly. Instead, you might choose to save up for a higher quality version that will last longer.⁠
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👉 What do you think? Are you a buy-for-lifer? What items do you think are worth buying for life? Or what’s something you’ve had for ages that was totally worth it?

The start of a new year is the perfect time to embrace small but meaningful changes!

💖 Gratitude jar: Each week, jot down something wonderful that happened. By New Year’s Eve, you’ll have a jar full of joy to look back on.

💸 2025 savings challenge: Save a little more each week and watch your money grow. Whether you treat yourself or invest, it’ll be worth it.

🏡 12/12/12 declutter method: Find 12 items to toss, 12 to donate, and 12 to return to their rightful place. A tidy space = a tidy mind.

Sometimes the smallest habits create the biggest shifts. Let’s make 2025 your most amazing year yet

We can learn alot from millionaires about building our own wealth 💎
While their stories may vary, there are some things that they mostly have in common!

👉 They make money through compound interest - investing for the long-term and earning interest upon interest.

👉 Your money habits are really important. If you blow away $10 on something unnecessary, you could easily blow away $100 right?!

👉 Who you choose to be your partner can make or break your money situation so make sure you commit to someone who supports you, not takes from you or they will pull you back from your millionaire mission.

👉 You hear this over and over again for a reason: you've got nothing if you're not in a healthy body. Look after yourself and take preventative action so you can avoid serious illness later in life.

👉 Millionaires live well below their means and avoid lifestyle inflation so they can invest more of their income rather than spending it. They often spend money on things with long-term value instead of temporary pleasure and status symbols like luxury items.

👉 Millionaires have a lot of similar traits such as a positive attitude and ability to cultivate a mindset of abundance, rather than scarcity.

👉 Millionaires look at the big costs like mortgage and major expenses, instead of fixating on coffees and buying lunch at work. There's merit in looking at small savings of course in building good money habits and achieving financial goals, but the millionaire recipe is to focus on the BIG expenses for BIG impact on your net worth.

👉 There's always an opportunity cost - it could be your time, your money, your energy, your happiness, your relationships etc. Millionaires know this and weight it all up before committing to anything in the interest of making money.

👉 Most millionaires are entrepeneurs (that haven't inherited their wealth) so instead of working for other people, think about how you could put yourself in the driving seat and start your own business!

👉 Millionaires don't live beyond their means by racking up credit card debt. They are focussed on the future and making money, not spending money they don't have yet and wasting it paying high interest on debt.

If you love getting the most out of your time off, here are the key dates in 2026 that turn a few annual leave days into much longer breaks. Perfect for planning holidays, long weekends, or just some well-earned downtime.

January:
• Jan 2 (1 AL) → 4 days off
• Jan 27–30 (4 AL) → 9 days off

April:
• Apr 7–10 (4 AL) → 10 days off

June:
• Jun 9–12 (4 AL) → 9 days off

October:
• Oct 6–9 (4 AL) → 9 days off

December:
• Dec 29–31 (3 AL) → 7 days off

Your 2026 at a Glance
✅ Public holidays: 9 days
✅ Annual leave: 20 days
✅ Weekends: 104 days

That’s a lot of potential time to rest, recharge, and enjoy life.

Save this and share it with your work besties so everyone can plan ahead. ✨

What a year! 🎉

From 76+ events to 8,967 women registered, 45 podcast episodes, a growing community of 65,238, and a few incredible award nods… we’re so proud of everything we’ve built together.

Thank you for showing up, tuning in, learning, sharing, and being part of this mission to help women feel confident with money. 💖

Here’s to an even bigger year ahead!

Suddenly my spending doesn’t look that bad 😌👀

A little reminder we all need today.

💸 Quick ADHD-Friendly Money Fixes

1️⃣ Automate everything
Bills, rent, credit card payments, savings, removes late fees instantly.

2️⃣ 5-minute weekly money check
Scan subs, upcoming bills, and balances once a week.

3️⃣ Keep a “Buy List”
Only buy what’s on the list. Stops impulse and duplicate purchases.

4️⃣ Do a quick “Home Check”
Before buying, ask: “Do I already own this?”

5️⃣ Cancel subs immediately
If you think about cancelling it… do it right then.

6️⃣ Add friction to spending
Remove saved cards and turn off one-click checkout.

7️⃣ Set clear spending limits
Weekly groceries, fun money, shopping caps. ADHD brains love boundaries.

8️⃣ Use one money hub
One folder/app for all banking + bills to avoid missing things.

9️⃣ Calendar reminders for renewals
Gym, apps, rego, insurance, everything.

1️⃣0️⃣ Cash or prepaid card for impulse zones
Perfect for Kmart, Target, Amazon, Woolies “pop-ins.”

Where are my millenials at? 😂🙋‍♀️