Money Mentalist

18/03/2025

Focus on What You Can Control

In a world where global events — from natural disasters to political turmoil — seem to dominate every conversation, it’s easy to feel overwhelmed. But while we can't control world affairs, we can control how we respond to what happens in our own lives.

This article dives into the power of shifting your focus to the choices you can make — whether it's managing your finances, reacting to daily frustrations, or supporting those in need. It’s a reminder that every day, you have the opportunity to shape your own future, one small, intentional decision at a time.

Read on to discover how focusing on what’s within your control not only brings peace of mind but can spark a ripple effect of positive change.

“Has the world gone mad”? This was a question that popped up when I was out with a group of friends enjoying a lovely balmy afternoon having Friday afternoon drinks. It really livened up the conversation as we talked about everything from the cyclone on its way to Brisbane, to world affairs, lik...

13/03/2025

💍 Wedding Bells and Budget Blues: Finding the Balance

Weddings — a day of love, joy, and… financial overwhelm? In this candid and light-hearted article, we dive into the money side of tying the knot. Whether you're planning a lavish celebration or a simple gathering, emotions (and costs) can run high. From setting a budget that doesn’t magically expand to managing family expectations and tackling the ever-growing wedding industry upsell, this piece offers practical tips to keep your cool — and your finances — in check.

Most importantly, it’s a reminder that while your wedding is a beautiful day, it’s the marriage that lasts a lifetime. So, grab a cuppa (or a glass of bubbly) and let’s talk weddings — without losing sight of what really matters.

It’s summer and we are well into the wedding ‘season’. So, I thought we would have a chat about the money side. I know as soon as the word wedding comes up, some backs will get up, ‘what a waste of money’, ‘you’d be better to put the money into a house’, or, I really…

09/03/2025

💸 When is it time to stop financially supporting your adult children?

It’s a question many parents wrestle with — how do you strike the right balance between offering support and encouraging independence?

In this RNZ article, I talk about why open, honest money conversations are so important. It’s not always about the dollars — contributing time, effort, and responsibility matter just as much.

Let’s create a path where our kids feel empowered to stand on their own, building a future of financial freedom for everyone.

👉 Read the full article here:

I’d love to hear your thoughts — how have you navigated this with your own family?

It begins with cash for clothes and phone bills. Then it's uni books. But at what age should the kids start chipping in?

04/03/2025

💬 How do you and your partner talk about money?

Money conversations can be tricky, but avoiding them often leads to stress and misunderstandings. At The Money Mentalist, we guide couples through these talks—helping them understand each other’s money mindset and set shared financial goals.

Curious about how you and your partner approach money? Take our Money Personality Quiz and start building financial harmony together.

Would love to hear—how do you and your partner handle money discussions? Let’s share strategies and insights!

Let’s face it – talking about money with your partner isn’t exactly the most romantic topic. It’s a conversation that many couples put off, yet it’s one of the most important ones to have. Why? Because money touches everything in a relationship, from your daily decisions to your biggest dr...

24/02/2025

Is your money mindset holding your business back? 💭

Right now, many business owners are feeling the pinch—cash flow is tight, invoices are delayed, and the pressure is real. But while practical financial strategies are essential, there's another piece of the puzzle that often gets overlooked: your mindset around money.

👉 If you’ve ever hesitated to chase overdue payments because you “understand what your client is going through”…
👉 Or priced too low just to secure the job…
👉 Or put off big decisions because the financial pressure feels overwhelming…

Then it might be time to shift from scarcity to abundance, fear to confidence, and price to value.

Your thoughts about money influence every business move you make—and changing those thoughts can open the door to new opportunities.

Curious how? Check out the full article and start transforming your money mindset today. 🌿✨

There is no doubt that business right now is tough. Business owners are stretched to the max to make the ends meet, and judging by the number of liquidations, sadly, many aren’t succeeding. If you do have the work, then there is the worry of ‘when will I get paid’. I’m seeing this with many....

13/02/2025

💰 Small Changes, Big Impact! 💰

Want to build better money habits without the stress? This article covers five simple, game-changing behaviors that can help you take control of your finances—without feeling overwhelmed. From celebrating small wins to automating savings, these tips will set you up for success.

📖 Read more here:

Which habit will you try first? 👇

We have talked about some unhelpful money behaviours to leave behind. Now let’s shift gears and focus on what we can do instead – because kicking habits to the curb is only half the battle. Positive actions are what bring results. Here are five easy-to-adopt money behaviours that can make a big ...

07/02/2025

Accounting with a Twist: Why Numbers Alone Won’t Build the Life You Want

Let’s be honest—most people don’t get excited about numbers. But numbers tell a story. And if you only focus on the past—your profit and loss statements, tax returns, and balance sheets—you’re missing the bigger picture.

That's where I come in. I do "Accounting with a Twist." That means going beyond tracking numbers. It’s about understanding them, shifting your money mindset, and creating a business (and life) that actually works for you.

Beyond the Balance Sheet: The Financial Flow Formula
Most accountants can tell you what happened last year. But what about where you're headed? That’s what my "Financial Flow Formula" is for.
This approach isn’t just about business growth—it’s about financial clarity, confidence, and creating a strategy that aligns with your goals.

Take one of my clients, for example. On paper, her business was thriving—great revenue, solid profits. But she felt like she was constantly chasing cash, overwhelmed, and unsure why things didn’t feel as successful as they looked.

Through the Financial Flow Formula, we:
✔ Uncovered Hidden Cash Flow Issues – Her numbers showed profits, but her pricing and payment terms were squeezing her cash. A few strategic tweaks, and suddenly, things started to flow.

✔ Reframed Her Money Mindset – We dug into how her beliefs about success and money were influencing her decisions—causing stress and hesitation when making bold moves.

✔ Created a Plan That Worked for Her Life – Business success isn’t just about spreadsheets; it’s about what you want your life to look like. Together, we built a plan that gave her both financial security and personal freedom.

Just a few months later, she wasn’t just making more money—she felt in control of it. That’s the power of going beyond the numbers.

Money Is More Than Math—It’s Mindset
If finances feel overwhelming—even when the numbers look good on paper—you’re not alone. That’s because money isn’t just logical; it’s emotional. And until the why behind financial decisions is addressed, all the spreadsheets in the world won’t change the way money feels.

That’s where true transformation happens—by combining the practical with the personal to take control of finances and the future.

So, if you're ready to move beyond the numbers and build a financial strategy that actually works, let’s chat. A 30-minute discovery call might just be the start of your financial transformation.

https://moneymentalist.com/

And if you know someone who is struggling and needs my help, please send them my way. Sometimes, the right conversation can make all the difference.

Lynda,
The Money Mentalist

28/01/2025

New Year, New Financial Habits: What Are You Leaving Behind?

Change doesn’t happen by chance—it’s a combination of mindset and action. As we dive into a fresh year, it’s the perfect time to reflect on financial behaviours that might be holding you back.

From comparing yourself to others and dodging money conversations, to splurging on “bargains” you don’t really need, waiting for “someday,” or losing sight of your goals, these habits can quietly sabotage your financial progress.

This week, we’re exploring five common behaviours to leave behind and practical steps to replace them with better ones. Remember, it’s not about perfection—it’s about progress. Let’s take control of your financial journey, one small, intentional step at a time.

It’s all well and good to say I want to make changes to my finances, my health, my relationships as we start a new year, (or anytime of the year for that matter), Mindset is an important part of change. But there is another part of the equation, and that is your behaviour. What are…

22/01/2025

🧠 Ten Ways to Shift from a Broke Mindset to a Wealthy Mindset 💰 💸 💲

Transforming your financial reality starts with changing how you think about money.

This article shares ten practical and empowering strategies to move from financial struggle to abundance.

From setting clear goals and building wealthy habits to cultivating an abundance mindset, discover how small shifts in your thoughts and actions can lead to big changes in your life.

Whether you’re managing daily expenses or tackling a major project, these tips will help you create a wealthier, more fulfilling future.

Read the full story here:

I’m in the process of renovating Mum’s house as well as building a second dwelling on our property for me. If there’s one way to shift your mindset from wealthy to broke, it’s building a house! Even I find myself going down the ‘I’m going to run out of money path”. I’m constantly wor...

15/01/2025

💔 Thinking about a fresh start this year?

January often feels like a fresh start—a time to reset, set goals, and embrace change. For some, that change includes reassessing relationships.

As tough as it is, deciding whether to end a partnership is a deeply personal and complex process.

Before taking that leap, it’s essential to pause, reflect, and plan carefully, especially when it comes to financial and emotional considerations.

Taking the time to seek advice from trusted professionals, like a divorce coach or relationship counselor, can make a world of difference in navigating this challenging time.

Money Mentalist Property Relationship Services will guide you through the process and help you navigate the financial complexities with clarity and confidence. 🌟

👉 Visit our website to learn more and take the first step toward your new chapter. https://moneymentalist.com/

We are halfway through January already! What kind of break (if you were lucky enough to have one) did you have? Was it the action-packed go, go go, break where you packed up the family and headed away somewhere and did lots of activities and caught up with lots of friends and didn’t get a…

09/01/2025

New Year, New Money Plan!

A new year is the perfect time to hit refresh on your financial goals. Instead of vague resolutions, dive into actionable habits that make a difference.

From setting a clear "why" to creating a money plan that works for you, this guide will help you spend smarter, save better, and tackle debt with confidence.

Learn how to build habits that stick, focus on what truly matters, and turn your finances into a tool that empowers your dreams.

Here’s to a year of financial freedom and meaningful milestones!

Happy New Year! Wherever you were, and whoever you chose to spend your time with, I hope you have had a great start to the year. A new year has a magical feel to it, it’s a time when we get to hit refresh and dream big for the year ahead. Every year we say…

08/01/2025

Post-Christmas Money Blues? Here’s How to Bounce Back

The festive season is behind us, and while the memories are priceless, the aftermath can leave our wallets a little worse for wear.

From overindulging in spending to juggling post-holiday goals, it’s time to regain control.

This article shares seven practical tips to help you tackle holiday debt, plan for next Christmas, and start the new year with a clear financial slate—without missing out on the sunny days ahead!

🎯 Ready to take your finances to the next level? The Money Mentalist can help you master your money mindset, align your goals, and start living the life you love.

Click here to book your free discovery call today!

https://moneymentalist.com/

Christmas is over for another year. If you are like me, you are probably slumped on the couch, taking a few deep breaths and wondering if the dishes can wait until tomorrow, as I’d much rather take Jett out for a walk, or maybe you are hoping for some rain, so you can work on your…

08/01/2025

"Turning Ideas into Achievable Goals"

Feeling overwhelmed by the pressure to set goals for 2025? You’re not alone!

This article breaks down how to turn vague ideas into clear, actionable goals with practical strategies like clarifying your "why," making goals SMART, and breaking them into manageable steps.

Whether you’re aiming big or small, learn how to plan effectively, stay motivated, and celebrate your wins along the way.

It’s never too late to start—take that first step today!

Here we go again, it’s nearly the end of the year, and everyone is on about setting goals. I haven’t even had my Xmas dinner yet! If you just don’t have the energy to think about 2025, I completely get it, all we want to do right now is get to the summer break so…

07/01/2025

🎉✨ Happy New Year from Money Mentalist! ✨🎉

As we step into 2025, it’s the perfect time to reflect, reset, and realign your financial goals with the life you truly want to live. 💭💸

This year, let’s focus on mastering our relationship with money, building confidence in our numbers, and creating a future filled with abundance, freedom, and joy. 🌟

💡 Remember, financial success isn’t just about numbers—it’s about mindset. Together, let’s make 2025 the year you take control, dream big, and achieve even more!

Here’s to a prosperous and purposeful new year. 🥂✨

19/12/2024

🎄✨ Merry Christmas from Money Mentalist! ✨🎄

As the year comes to a close, we want to take a moment to thank you for being part of our journey. Your trust, support, and shared stories have made this year truly special. 💖

This holiday season, we wish you and your loved ones joy, peace, and moments to cherish. May your days be filled with laughter, love, and the magic of Christmas. 🎅🌟

Here’s to wrapping up 2024 with gratitude and stepping into 2025 with purpose and positivity! 🥂🎉

With heartfelt thanks,

Lynda, Jett, and the Team

12/12/2024

Difficult holiday conversations

The holidays bring joy, togetherness, and… tricky conversations about money.

From the cheesy charm of Christmas movies to the reality of “breakup week” for new couples, this season highlights the emotional and financial dynamics we all face.

Whether it’s tackling gift-giving expectations, sharing hosting costs, or shifting focus to making meaningful memories, this article offers practical tips to keep the holidays festive without breaking the bank—or your relationships.

Want to learn how to build a positive relationship with money, talk to us today: https://moneymentalist.com/

It’s that time of year where the new batch of Christmas movies are released. I can’t help it, I have to watch a couple of them, and somehow, I always seem to end up watching the super cheesy ones, where boy meets girl, they don’t like each other at the start, but 90 minutes later,…

06/12/2024

Navigating Black Friday: Needs vs. Wants

Black Friday sales are a true test of your spending habits. Did you stick to your plan or fall for the hype?

This article explores how emotions influence our money decisions, shares personal stories of mindful shopping, and highlights the importance of understanding your triggers to make smarter financial choices.

Whether you avoided the chaos, snagged thoughtful bargains, or gave in to impulse buys, there’s a lesson in every experience.

You can read this article here:

After talking about needs and wants last week, the Black Friday sales were a great way for you to test out what you had learned and think about how you meet your needs. How did you go? Did you manage to do the research and only purchase what you planned to, or did it get…

26/11/2024

With power prices set to rise, many of us are looking at ways to cut costs. Do we skip hot showers, switch to off-peak electricity use, or compromise elsewhere? Decisions like these often bring up the age-old debate: what’s a “need,” and what’s a “want”?

Behavioral economist Sarah Newcomb challenges this thinking, suggesting that everything we spend money on fulfills a need—just in different ways. Instead of asking whether something is necessary, we should ask what need it meets and whether there’s a more cost-effective strategy to satisfy it.

For instance, a regular coffee run might meet your need for energy and routine. Could you brew at home instead? Or perhaps a subscription service offers convenience for a busy family, making it an efficient strategy for time management.

When reviewing your budget, try this fresh perspective: identify the deeper needs behind your spending and explore alternative strategies. You may uncover smarter ways to save without feeling deprived.

Read the full story:

Power prices are due to go up again next year, so Pulse Energy did a bit of research, and from those they talked to it seems most of us aren’t willing to give up our Netflix subscription to save power. Instead, we will wash less! Or use power when it’s discounted (which is usually at…