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Here Comes The MoneyAuthor: SmartMoney Wealth Management
We all want to be smarter with our money, but with all the noise and abundance of mixed information out there most people often become overwhelmed with where to start. As a result, most people choose to do nothing! In this podcast, Peter and Hovig, share practical, no-BS tips and strategies to help you make smart decisions about your personal finance and investing in Australia. Each week we will explore current topics, answer our listeners questions, and guide you through how to confidently make your money go further, use your tax dollars to help you build your wealth, pay off your mortgage sooner and achieve financial freedom sooner. Language: en-au Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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#10 - This Is Why You’re Always Broke (Even on a Good Income)
Episode 10
Tuesday, 6 January, 2026
Cashflow Management Explained: Why Budgeting Fails (And What Actually Works)In Episode 10 of Here Comes the Money, Peter and Hovig tackle one of the most important — and most ignored — foundations of financial success:Cashflow management.With rising mortgage repayments, rent stress, and cost-of-living pressure across Australia, this episode breaks down what you can control — and why failing to manage cashflow keeps people stuck, no matter how much they earn.In this episode, they cover:* Why cashflow is the foundation of every financial strategy* The difference between fixed expenses and variable expenses* How lifestyle creep quietly destroys surplus cash* Why budgeting fails when money has no direction* A simple mental framework to understand where your money goes* Why “if you can’t measure it, you can’t manage it” is always true* How automatic transfers and account separation create discipline* Why removing access to money is often more effective than willpower* The role cashflow plays in reducing debt, building buffers, and investingThey also share real client examples showing how getting control of cashflow doesn’t just improve finances — it reduces stress, strengthens relationships, and creates real optionality.This episode is essential listening for anyone who:* Feels like money disappears each pay cycle* Wants to build savings without feeling restricted* Is trying to reduce debt or invest but can’t create surplus* Wants practical, real-world financial control — not theory📩 Have a question you want answered on the show?Email info@smartmoneygroup.com.auAll strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Past Performance is not an indicator of future performance. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.Copyright © SmartMoney Wealth Management. All Rights Reserved.
