Women Talking Finance

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.

We all know what relationship red flags look like. But what about financial red flags?You don’t know what you own or owe...
25/08/2026

We all know what relationship red flags look like.

But what about financial red flags?

You don’t know what you own or owe as a couple - you couldn’t confidently list your mortgages, loans, credit cards, investments, super or major assets.
You don’t have access to joint accounts or financial documents, or your partner holds all the passwords and controls the banking.
You are discouraged from asking questions or made to feel stupid, difficult or “bad with money” when you do.
You have to ask permission to spend money, particularly your own income, while your partner’s spending isn’t subject to the same scrutiny.

There’s nothing wrong with one person taking the lead on managing the household finances, but both partners should have visibility.

Delegating the finances should never mean surrendering your financial knowledge or independence

Follow .eley to learn more mindful financial habits.

One of the biggest misconceptions about investing is thinking you need more money before you begin.In reality, what you ...
20/08/2026

One of the biggest misconceptions about investing is thinking you need more money before you begin.

In reality, what you often need is more time.

Time is one of the most powerful drivers of long-term wealth.
The earlier you start, the longer your investments have the opportunity to benefit from compounding, where your returns begin generating returns of their own.
You know the saying: “money makes more money”, that’s essentially what compounding means.

Women I meet delay investing because they think:
“I’ll start when I earn more.”
“I’ll wait until the market improves”
“I need to know everything first.”

While these reasons may be valid, waiting also comes with a cost.

The opportunity to grow your money today can’t be recovered tomorrow.

You don’t have to invest a large amount to get started. You could literally start with the amount your takeaway coffee cost today.
Building wealth is rarely about making one big decision, it’s about making consistent ones over time.

The perfect time to invest doesn’t exist.
But the perfect time to stay invested does - 10-20 years, so what are you waiting for?

Eley

Raise your hand if you’re ever bought something just because it was on sale?I call it “Spaving” (spend money to save mon...
18/08/2026

Raise your hand if you’re ever bought something just because it was on sale?

I call it “Spaving” (spend money to save money) and is a trap we can all fall into

Me: I’m just popping in for toothpaste

Also me, 20 minutes later:
-Candle
-Throw blanket
-Water Bottle I definitely don't need
-Skin care because it was 30% off

Sound familiar?

Retailers are brilliant at making us feel like we’re saving money.

But the catch is…

You aren’t saving 30% if you weren't planning to buy it in the first place.

Often, the best deal is walking away.
A discount only saves you money if you were already going to buy it.

What's the funniest thing you’ve bought simply because it was “too good of a deal to pass up”?

Eley

If you had an extra $500 this month, what would you do with it?It’s a simple question, but the answer says a lot about y...
13/08/2026

If you had an extra $500 this month, what would you do with it?

It’s a simple question, but the answer says a lot about your financial priorities.

Would you…
Add it to your emergency fund?
Invest it for the future?
Pay down debt?
Invest in upgrading your skills?
Put it towards your next holiday?
Treat yourself?

There isn't a right or wrong answer. Your choice depends on your current goals and financial situation.

One of the biggest shifts in financial confidence comes from spending with intention rather than reacting in the moment. Every dollar has the potential to move you closer to a goal-or further away from one.

That’s why asking yourself “What would I do with an extra $500?” can be a valuable exercise.
It reveals what you truly value and whether your current spending reflects those priorities.

So I’m curious…

If you had an extra $500 this month, what would you do with it and why?

Eley

If my bank account could talk“Hey, we did all the money go???.”“I thought we agreed to save this month”“I don’t mind pay...
10/08/2026

If my bank account could talk

“Hey, we did all the money go???.”
“I thought we agreed to save this month”
“I don’t mind paying the bills.. But did we really need another “little treat?” 😅
“You really are great at managing me”
“I don’t mind seeing part of me going into your mortgage, shares or super, it works harder than I do”

Humour side, your bank account is simply a reflection of your financial habits.

Every dollar you earn has a job. The more intentional you are with where it goes, the more financial freedom you’ll create for yourself.

It's not about never spending. It’s about spending on what truly matters and staying aligned with your goals.

Eley

When your salary feels like the smallest thing in the room.Between the mortgage and rising grocery bills, it can sometim...
06/08/2026

When your salary feels like the smallest thing in the room.

Between the mortgage and rising grocery bills, it can sometimes feel like your pay disappears before you’ve even had a chance to enjoy it.

While we can’t always control the cost of living, we can take control of how we manage our money. Small, consistent habits like budgeting, meal planning, reviewing subscriptions, and setting realistic savings goals can make a real difference over time.

Remember, financial confidence isn’t about earning more overnight. It’s about making the most of what you have today and saving and investing for your financial future.

Follow .eley for practical money tips, budgeting strategies, and financial insights to help you make your money work harder.

04/08/2026

These simple apps could help you save money every single week.

When people think about improving their finances, they often assume they need to make big sacrifices.

In reality, it’s usually the small, consistent habits that make the biggest difference over time.

Something as simple as comparing grocery prices before you shop, finding the cheapest fuel in your area, or making the most of loyalty programs can add up to meaningful savings over the course of a year.

The goal isn’t to stop spending. It’s to spend more intentionally so your money goes further without compromising the things that matter most to you.

Financial wellbeing isn’t built overnight. It’s created through the small decisions we make every day.

What simple money-saving habit has made the biggest difference for you? I’d love to hear your tips in the comments.

Small habits can lead to meaningful financial progress. Follow me for more practical money tips .eley

Gratitude is one of the most powerful habits you can build. It’s easy to focus on what’s next, but taking a moment to ap...
30/07/2026

Gratitude is one of the most powerful habits you can build.

It’s easy to focus on what’s next, but taking a moment to appreciate how far you’ve come can completely change your perspective.

Every goal achieved, every lesson learned, and every small financial win is worth celebrating. Gratitude reminds us that progress isn’t always measured by how much we have, but how much we've grown.

When we appreciate what we have today, we’re likely to make thoughtful decisions that create an even brighter tomorrow.

Take a moment today to celebrate your journey, no matter where you are. Every step forward counts.

Follow .eley for financial inspiration and simple strategies to help you build confidence with your finances.

28/07/2026

What if being wealthy had nothing to do with owning a home?

For generations, owning a home had been a status symbol of financial success. But today, many Australians are redefining what wealth really means.

I’m seeing more people question the traditional milestones and focus on building a life that reflects what matters most to them.

For some, that means investing for the future. For others, it’s having the freedom to travel, prioritise their health, spend more time with family and friends, or create a better work-life balance.

Owning a home is still an important goal for many Australians. But it doesn’t have to define whether you’ve achieved financial success.

To me, true wealth is about having choices. It’s about feeling confident with your money, making intentional decisions, and creating a life that aligns with your values rather than someone else’s expectations.

Has your definition of wealth changed over the years? What does financial success look like to you today?

Wealth means something different to everyone. Follow .eley for more conversations that challenge conventional thinking about money.

Visit https://womentalkingfinance.com.au/ to explore free resources, articles and financial education.

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