<p>Hilda knows with the amount she’s earning- she should be saving more. But money is something she hates dealing with. Normally, she lacks the motivation to do anything about it. But with a recent pay cut, it’s clear things need to change.</p><p>&nbsp;</p><p>So- she joins us on our series; Boost my Budget to get help building a low touch budget that will have her spending less, saving more and even- starting to invest.</p><p>&nbsp;</p><p>Your saving rate has the biggest impact on building your wealth. If you’re someone who’s been burying their head in the sand or coasting by, knowing you could be making your money work better- good news. It doesn’t have to be hard or scary. In this episode we cover ways everyone can improve their savings rate.</p><br><p><strong>Timestamps: </strong></p><p>00:00:00 – Why Money Feels Hard To Face</p><p>00:01:34 – What Hilda Wants To Change</p><p>00:03:19 – Her Current System</p><p>00:05:37 – What Her Spending Says About Her</p><p>00:07:32 – The Surprises In Her Cashflow</p><p>00:09:26 – Where Her Food Budget Goes</p><p>00:10:52 – The Savings Gap She Didn’t See</p><p>00:12:42 – Is The Credit Card Helping?</p><p>00:14:13 – A System To Make Money Easier</p><p>00:16:28 – The Budget That Actually Works</p><p>00:18:49 – How To Make Savings Grow</p><p>00:20:40 – A Simple Way To Start Investing</p><p>00:22:07 – What To Do From Here</p><br><p><strong>Links Referenced:</strong></p><p><strong>&nbsp;</strong></p><p>💸 Want your Budget Boosted next? <a href="https://x40s1z0ymjt.typeform.com/boost-my-budget" rel="noopener noreferrer" target="_blank">Apply here</a></p><p>💲 PocketSmith is offering Equity Mates listeners 50% off the first 2 months of a Foundation Plan. To try PocketSmith for yourself head to&nbsp;<a href="http://pocketsmith.com/equitymates" rel="noopener noreferrer" target="_blank">pocketsmith.com/equitymates</a></p><p>📞 Have an investing question? Leave us <a href="https://www.speakpipe.com/EquityMates" rel="noopener noreferrer" target="_blank">a voicemail</a>, and we'll answer it on the podcast!</p><p>🎥 We're on YouTube! Watch full episodes <a href="https://www.youtube.com/channel/UCENnvB5MjP6ggtALzmy1BEw" rel="noopener noreferrer" target="_blank">here</a>.</p><p>📝 <a href="https://x40s1z0ymjt.typeform.com/to/GtYnFWZy?typeform-source=equitymates.com" rel="noopener noreferrer" target="_blank">Download our FREE 4 step checklist</a> to analyse any stock (It’s beginner friendly).</p><p>Or <a href="https://x40s1z0ymjt.typeform.com/etf-handbook" rel="noopener noreferrer" target="_blank">our FREE ETF Handbook</a>: everything you need to get started with ETFs.</p><br><p>———</p><p>Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – <a href="https://linktr.ee/equitymates" rel="noopener noreferrer" target="_blank">we’ve got you covered</a>.</p><p>———</p><p>In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.</p><p>———</p><p>Get Started Investing is a product of Equity Mates Media.</p><p>This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.</p><p>Equity Mates Media operates under Australian Financial Services Licence 540697.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>