Women Talking Finance

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Women Talking Finance I help women understand and enhance their money beliefs so they can maximise their financial potenti

Karen Eley is a former financial adviser, behaviorial money coach. I help women become financially confident and competent through education and coaching.
*I do not provide financial advice* I do however provide you with the financial knowledge, tools and resources about financial strategies so you can make your own informed decisions. I also help women overcome both their beliefs and habits that sabotage their financial results. General Advice Warning
The content in this newsletter does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs.

Financial stress doesn’t always show up as an empty bank account.Sometimes, it shows up in your thoughts.You might be ea...
13/10/2026

Financial stress doesn’t always show up as an empty bank account.

Sometimes, it shows up in your thoughts.

You might be earning enough to cover your expenses, but money still feels like something you can’t switch off from.

Here are signs it might be taking up too much mental space:

1. You constantly check your bank balance.
You check it after every purchase, before every bill, and sometimes just because you need reassurance.

2. You lie awake thinking about money.
Bills, unexpected expenses, savings, debts.. Your brain decides bedtime is the perfect time for a financial planning meeting.

3. You avoid looking at your finances altogether.
Opening your banking app feels so uncomfortable that you’d rather pretend that problem doesn’t exist.

4. Every purchase comes with guilt.
Opening your banking app feels so uncomfortable that you’d rather pretend the problem doesn’t exist.

5. You’re always thinking about what could go wrong.
“What if something happens?”
“What if I lose my income?”
“What if I can’t afford it?”

Being aware of whether your finances are healthy.

Feeling like you have to think about money all the time is different.
Financial wellbeing isn’t about having a perfect bank balance. It’s about having enough clarity and confidence to make decisions without money constantly occupying your thoughts.

And if you recognise yourself in these signs, there’s no shame in it.

Start small.

Look where you are today. Identify what’s causing the most worry. Then choose one thing you can take control of.

You don’t have to solve everything at once.

Your money deserves your attention.. But it doesn’t deserve all of it.

Visit womentalkingfinance.com.au for practical money tips that can help you build a healthier, more confident relationship with money.

A mantra isn't magic and shouldn't be used in isolation. Telling yourself “I am wealthy” while avoiding your bank accoun...
12/10/2026

A mantra isn't magic and shouldn't be used in isolation.

Telling yourself “I am wealthy” while avoiding your bank account probably won't change much.

What gets results is to combine the words with evidence and action:

Mantra → small behaviour → evidence = stronger belief.

Eg. “I am someone who takes care of my financial future.”
Then transfer $20 into savings.

That small action gives your brain evidence that the statement is becoming true. Research on behaviour change also points to the importance of perceived competence, self-efficacy (belief in your abilities), planning and motivation—not positive thinking on its own.

I came across this Finder research, and honestly, the numbers made me stop and want to share them below with you.If you ...
08/10/2026

I came across this Finder research, and honestly, the numbers made me stop and want to share them below with you.

If you feel like you’re financially treading water right now, you’re certainly not alone.

Sometimes we need to hear that.

Because when you're not getting ahead financially, it's easy to assume you're doing something wrong.

But there are economic conditions outside our control—and difficult economic seasons don't last forever.

If you're one of the 3 in 5 Australians in one of these scenarios, think about what matters most to you and look for ways to keep experiencing those values without necessarily spending money.

If you value connection—invite friends over instead of going out.
If you value adventure—explore somewhere local.
If you value wellbeing—walk, run, garden, get outside.
If you value family—create experiences together that don't come with a price tag.

You don't have to put your whole life on hold until your finances improve.
Sometimes, holding steady is progress.

Financial wellbeing isn't always about getting ahead—it can also be about navigating a difficult season while continuing to live a life that feels rich in all the ways that matter.

Source: Finder survey of 1,011 Australians, February 2026

Follow .eley for honest money conversations and practical ways to build greater financial confidence.

You can’t spreadsheet your way out of financial stress.Well… not always.When mortgage repayments rise (like they will ag...
06/10/2026

You can’t spreadsheet your way out of financial stress.

Well… not always.

When mortgage repayments rise (like they will again this week), bills keep climbing and your money suddenly doesn’t stretch as far as it used to, the usual advice is:

Budget harder. Spend less. Get more disciplined.

But there’s another piece we don’t talk about enough.

What financial stress does to our brain.

When money feels threatening, we can catastrophise, avoid the numbers, procrastinate on decisions or become so overwhelmed that we freeze.

And that's exactly when we need our best thinking.

When money worries start taking over, try these 3 things:

1. Create some distance. Imagine the problem belongs to someone you care about. What advice would you give them?

2. Focus on what you can control. Draw 2 circles:

1 - what you can’t control: Interest rates, inflation and rising costs may be outside your control.
2. What you can control: your spending, subscriptions, financial conversations and asking for help.

Now focus only on what you can influence.

3. Separate the facts from the story.
When financial stress takes over, pause before making decisions. Separate the facts from the story. “My mortgage increased by $160” is a fact. “Everything is falling apart” is the story stress may add. Start with the facts.

You don’t need to solve everything at once.
Start with what you can control, work with the facts and take one step at a time.

Follow www.womentalkingfinance.com.au for practical conversations and strategies that can help you feel more confident and in control of your money.

Your financial life is built the same way.Not through one big decision, but through the small choices you make over and ...
22/09/2026

Your financial life is built the same way.

Not through one big decision, but through the small choices you make over and over again.

Save it. Spend it. Avoid it. Learn it. Invest it.

Every choice is shaping your money story — and your future financial-self. 💛

So how do people actually change?In my work as a behavioural money coach, I often ask clients to imagine what happens if...
17/09/2026

So how do people actually change?

In my work as a behavioural money coach, I often ask clients to imagine what happens if they don’t change.

What will another year of avoiding the debt, delaying investing or repeating the same money habits cost them?

Change is uncomfortable. But sometimes the shift happens when staying stuck starts to feel even more uncomfortable.

It’s not about fear or shame. It’s about making the future consequences of inaction feel real enough to motivate a different choice today.

You’re not bad with money.I believe that.You may simply never have had the right support, education or encouragement to ...
15/09/2026

You’re not bad with money.

I believe that.

You may simply never have had the right support, education or encouragement to feel confident with it.

I believe you can change how you earn, spend and grow your money.

And you don’t have to do it all at once.

One small step can change your financial future.

If you’re ready to build a better relationship with money, follow TalkingFinance and let’s start the conversation.

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Thebarton, SA
5031

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