Wonder Woman's Guide to Money: The Busy Woman's Guide to Money Management and Wealth Building

by Natasha Janssens

Overview

How confident are you when it comes to managing your finances?
Do you have a clearly defined goal and a plan mapped out to get you there?
Or are you so busy with life’s day-to-day activities that your finances are left on autopilot?

If making financial decisions leaves you feeling overwhelmed, you are not alone. In fact, research has found that women are not as confident as men when it comes to managing finances, regardless of their actual financial literacy!

If you wish you could be better with your money but just don’t seem to have the time, this book is for you. Written by a working mum of two, Wonder Woman’s Guide to Money will give you the tools you need to take control of your financial future, including:

• How to break out of the debt spiral and get better at saving
• The secret to becoming mortgage-free and building equity
• The key to growing your money the safe way
• The lowdown on offset accounts, life insurance and wills
• The four steps to getting on top of your super
• The simple backup plan to safeguard your future
• Bonus resources to help put your newfound knowledge into action
• And much more!

Product Details

ISBN-13:	9780648244295
Publisher:	MacMillan Company Limited
Publication date:	05/01/2019
Sold by:	Barnes & Noble
Format:	eBook
Pages:	212
File size:	2 MB

About the Author

Natasha Janssens is award-winning financial planner, accountant and mortgage broker. Her passion for education and helping others led her to start Women with Cents - a finance business dedicated to empowering Australian women through education. Natasha is a regular contributor in the media with her advice being featured in numerous media outlets such as Elle Magazine, SMH, ABC Radio, Mamamia, and Today Tonight. Natasha has helped thousands of women across Australia facing various challenges, from a financially controlling partner or the risk of bankruptcy through to cutting back spending, managing on a reduced income once they start a family, and deciding on suitable strategies for growing their wealth

Table of Contents

Acknowledgements 11

Introduction: The Plight of the Modern-Day Wonder Woman 13

• Becoming a Woman with Cents 18
• Break Free from the Herd and Carve Your Own Path 20

Part One: Laying the Foundations

Chapter One: Reject Old Paradigms 25

• Paradigm 1: I'm Not Good with Money 25
• Paradigm 2: I Don't Have Time 27
• My 'Aha!' Moment 28
• Lightening the Load 31
• Overcoming Unconscious Bias at Home 36
• It's Time to Make a Change 38

Chapter Two: Strategise Your Money 41

• Planning to Succeed 44
• Pinpointing Your Values and Goals 46
• Managing Your Cash Flow 50
• Automating Your Money 55

Chapter Three: Break Up with Debt 59

• Learning to be a Saver Instead of a Spender 60
• Understanding the Power of Gratitude 63
• Spending Money Doesn't Equal Happiness 65
• Tackling Your Debt Once and For All 68

Part Two: Building Your Dream Life

Chapter Four: Manage Your Mortgage Better to Build Wealth 75

• Determining Your Loan Requirements 76
• Buying Your First Home 79
• Navigating the Changing Lending Environment 81
• To Fix or Not To Fix? 85
• The Lowdown on Offset Accounts 87
• The Secret to Becoming Mortgage Free 93
• The Refinancing Mistake That's Costing You Thousands 99
• Using Your Equity to Purchase Another Property 102

Chapter Five: A Beginner's Guide to Investing 107

• Four Asset Classes for You to Consider 108
• Determining Your Risk Profile 112
• Factoring in Your Timeframe 115
• What's Your Investment Style? 117
• Investing Made Simple 120
• Should You Invest More Now or Later? 124
• Seven Golden Rules of Investing 128

Chapter Six: Create a Super Future 135

• Understanding Your Super Statement 138
• How Much Super Do You Need? 140
• Four Ways to Get More Involved in Your Super 142
• Six Factors that Could Help You Boost Your Super 148
• Could Refinancing Your Home Loan Boost Your Super? 154

Part Three: Protecting Your Plans

Chapter Seven: Safeguard Your Future 159

• My Biggest Mistake and the Lessons Learned 161
• The Ins and Outs of Life Insurance 164
• Making Insurance More Affordable 170

Chapter Eight: Estate Planning 179

• The Logistics of Death 181
• Why You Need a Will 182
• Making a Valid Will 185
• Should You Use a Will Kit? 189
• Tax Considerations 191
• Binding and Non-binding Nominations 196
• Updating Your Will 197

Conclusion: Following Through on Your Financial Plan 201

• Believe in Yourself 202
• Think About the Future 203
• Have a Failure Plan 204
• Celebrate the Wins 205
• Surround Yourself with Like-Minded People 205
• Remember, Your Future Depends on What You Do Today 206

About the Author 209