Have you ever experienced the joy of financial security? That feeling that you have your ducks in a row, you’re covered for a rainy day or unexpected life events AND you have steps in place to secure your families financial future?
Or perhaps not! Perhaps you feel like you’re starting to go crazy juggling debts, paying the bills and figuring out what insurance to take, without a big picture plan that leaves you confident you’ve got everything covered? We have a feeling a large number of Mums may fall into this latter category!
But who needs more stress right? As Mum business owners, you’ve already got a lot on your plate. Removing extra uncertainly and chaos around money and finances can make a massive difference to your daily life! Whether we like it or not, money is one of the biggest stressors in our lives – yet we often neglect or take a laissez faire approach to financial planning (J9 i s guilty of this!).
After this weeks podcast interview with financial well-being warrior Carissa Fairbrother we’re certainly taking another look at what we have got set up in terms of financial planning – both in our business and home lives.
It’s time to stop worrying about your family finances Mama!
Listen in to this weeks episodes to hear Carissa’s top tips for creating calm around your finances. She’s on a mission to inspire women to make smarter financial decision in their every day lives and there’s no doubt that after listening in you are going to feel a lot clearer about where to focus to whip your family finances into shape.
This is such a great interview. If you are feeling stressed about money or your family finances are in a mess, listen in NOW
NB: Carissa Fairbrother is an Authorised Financial Adviser, a disclosure statement is available on request and free of charge. See www.rivalwealth.co.nz for more information.
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Here’s what Jo and Carissa cover in the podcast interview:
- Why it’s so important to prioritize financial planning and start talking about money and the potential cost to you and your family if you don’t (if you are burying your head in the sand about the money stuff, this will motivate you to take action)
- The most common mistakes women business owners and parents making when it comes to planning for their financial future
- How to get advice and support if you want to get your family finances sorted – including how a financial adviser is different to an accountant, a lawyer and other types of experts you may consult about your family finances
- Tips for how to set yourself up for income protection in the event that you or your partner can’t work for an extended length of time
- Why health and income insurance are the two most important types of insurance
- Why a personal rainy day fund should be your first priority
- The importance of talking through your financial goals with your partner so you are both on the same page
- What estate planning is and why it’s so important – plus how to get it done affordably
- Guardianship – have you sorted who is going to look after your kids if you can’t? And how they’ll be provided for financially? Carissa shares some great tips on this!
- The importance of knowing your numbers, paying yourself and celebrating your tax bill.
- We touched on ACC and KiwiSaver tips for the self-employed for our Kiwi mums, as well as chatting about how to plan for retirement and superannuation generally.
PLEASE NOTE: Carissa is a NZ Accredited Financial Advisor and a disclosure statement is available anytime free of charge. Please contact her for more details Carissa@rivalwealth.co.nz
Resources we talked about:
- Rival Wealth – Carissa’s financial advice service. Feel free to reach out if you feel like you connected strongly with Carissa’s message in this interview. Rival Wealth work with clients from all over NZ and internationally so it’s not location dependent! You can email Carissa directly at Carissa@rivalwealth.co.nz
Join the Conversation:
What are the other tips that you can shares with other mums with regards to having a secure financial future? Share in the comments below!
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