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Dollars & Distractions

Dollars & Distractions

De : Maryanne Elliott
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🎙️ Dollars & Distractions – Podcast Description (SEO Optimised) Welcome to Dollars & Distractions, the Australian money and property podcast hosted by two mortgage brokers who believe financial conversations shouldn’t feel intimidating. Each week, we talk about real-life finance — from home loans and borrowing power to saving for a deposit, money mindset, property investing and building long-term wealth. We break down:
  • How much you can actually borrow
  • What banks really look at when assessing home loans
  • First home buyer tips in Australia
  • Saving strategies that actually work
  • Fixed vs variable rate decisions
  • Money habits, behaviour and mindset
  • Financial confidence for women
  • The emotional side of buying property
And because we’re human (and slightly distraction-prone), you’ll also hear the tangents — client stories, real estate drama, relationship money conversations and the behind-the-scenes reality of being mortgage brokers. If you’re:
✔ A first home buyer in Australia
✔ Unsure about your borrowing power
✔ Trying to save a house deposit
✔ Feeling financially behind
✔ Wanting clearer money strategy
✔ Or just love honest, unfiltered finance conversations This podcast is for you. We believe financial confidence doesn’t come from knowing everything — it comes from clarity and action. New episodes weekly. Because money doesn’t respond to chaos — it responds to clarity.Copyright Maryanne Elliott
Épisodes
  • Dollars & Distractions – Episode 9 The Emotional Side of Buying Property, Finding the Balance Between Head and Heart
    May 6 2026
    📝 Episode SummaryBuying a property isn’t just a financial decision, it’s an emotional one too.
    In this episode, Maryanne and Bec dive into the real, often unspoken side of purchasing a home, from anxiety after signing a contract to the pressure of fast-moving markets.They share personal experiences, client stories, and practical insights to help you navigate the emotional rollercoaster of buying property, while still making smart financial decisions.If you’ve ever felt overwhelmed, rushed, or unsure during your property journey, this episode will help you feel more grounded and confident.💡 What We Cover
    • Why buying a home can feel emotionally overwhelming
    • Real client stories, including post-contract anxiety
    • The danger of waiting until you feel “100% ready”
    • Learning to trust your gut vs relying on logic
    • How the current market can create urgency and pressure
    • Why buying based on market predictions can be risky
    • The importance of affordability and long-term comfort
    • How banks assess borrowing and why buffers matter
    • Why pre-approval is a game changer
    • Balancing your heart and your head when making decisions
    • When walking away from a property is the best decision
    • How life changes can impact financial decisions
    • The rise of co-living and changing property trends
    🔑 Key Takeaways
    • There is no “perfect” time to buy, the right time is when you feel ready, have clarity, and find the right property
    • Emotion is part of the process, but it needs to be balanced with logic
    • Just because the bank says you can borrow more doesn’t mean you should
    • Understanding your comfort level with repayments is critical
    • A pre-approval removes uncertainty and reduces emotional stress
    • Property is a long-term game, markets will always cycle
    • Sometimes the best decision is not moving forward
    🧠 Quote Worth Remembering "The best time to buy is when you feel ready, have a fully assessed pre-approval, and you find the right property."

    🛠️ Practical Tips
    • Set your repayment comfort level first, then work backwards
    • Get a fully assessed pre-approval before house hunting
    • Don’t rush into a purchase due to competition or fear of missing out
    • If something feels off, pause and reassess
    • Think long-term, not just short-term market movements
    ❤️ Final ThoughtBuying property is one of the biggest financial decisions you’ll ever make, but it’s also deeply personal.
    The goal isn’t to remove emotion entirely, it’s to use it wisely alongside solid financial strategy.

    📲 Need Help?If you’re unsure where to start or want clarity around your borrowing power, reach out to the team at 360 Mortgage Solutions. We’ll help you balance the numbers so you can move forward with confidence.
    Book a phone call here - https://app.teamos.ai/location/Z9gpJ4ioc4f1NPbCB6x0/page-builder/VnIGaMOE64W6aAlEHG9o
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    22 min
  • Dollars & Distractions – Episode 8 What Banks Really Look At (It’s Not Just Your Income)
    Apr 29 2026
    In this episode of Dollars and Destructions, Maryanne and Bec break down what lenders are actually looking at when assessing your borrowing power and spoiler alert… it’s not just your income.
    If you’ve ever wondered why someone earning less than you can borrow more, this episode will give you the clarity you’ve been missing.
    💡 What You’ll Learn
    1. Income matters… but stability matters more Banks aren’t just looking at how much you earn they’re looking at how consistent and reliable that income is. Long-term employment can sometimes outweigh a higher but unstable income.
    2. Not all employment is treated equally, Full-time, part-time, casual, and self-employed income are all assessed differently.
    • Casual income is often shaded (e.g. only ~80% used)
    • Self-employed income must be proven and consistent
    • Contract roles depend heavily on industry and history
    3. Your tax strategy can impact your borrowing power
    Trying to minimise tax might reduce what you can borrow. What looks good to the ATO doesn’t always look good to a bank.
    4. Your spending habits matter more than you think
    Even high-income earners can be declined if their bank statements show poor money management like overdrawing accounts or missed payments.
    5. Credit scores can make or break your application
    • You can access a free credit report through Equifax
    • Some lenders won’t consider applications under a certain score (e.g. 600)
    • Multiple applications, unpaid debts, or forgotten accounts can hurt you
    6. Small debts still count
    Zip Pay, credit cards, and personal loans even small limits all impact your borrowing capacity.
    7. Dependents reduce your borrowing power
    Children, non-working partners, or even supporting parents can affect how much you can borrow, as lenders factor in living costs. 8. Life plans matter (yes, even future ones)
    Planning a family, taking maternity leave, or changing jobs can all influence your loan assessment because lenders are looking at your future ability to repay.

    🔑 Key Takeaway Every lender is different, and your situation is more than just a number.
    That’s why having a conversation early can help you understand your position, create a strategy, and avoid surprises.

    🛠️ Action Steps
    • ✔️ Download your free credit report (Equifax)
    • ✔️ Review your spending habits and direct debits
    • ✔️ Avoid multiple credit applications before applying
    • ✔️ Speak to a broker early to understand your options
    📞 Need Help? If you want clarity on your borrowing power and next steps, book a quick 15-minute chat:
    👉 https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH

    🎧 Coming Up We’re planning a future episode with a credit repair expert to dive deeper into credit files and how to fix them stay tuned!
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    31 min
  • Dollars & Distractions – Episode 7: Money Leaks, Are They Draining Your Bank Account Without You Knowing?
    Apr 22 2026
    Episode Summary In this episode of Dolls and Distractions, Maryanne and Bec dive into a topic that hits every household, money leaks. Those sneaky expenses that quietly drain your bank account without you even realising. From subscriptions you forgot about, to everyday spending habits, to how our upbringing shapes our perception of money, this episode is equal parts relatable, honest, and practical. They also explore how modern life, social media, and parenting have shifted what we think we “need” versus what we actually want, and why that matters more than ever in today’s cost of living environment.

    💡 What You’ll Learn
    • What “money leaks” actually are and how they show up in everyday life
    • Why most people underestimate how much they’re really spending
    • The difference between needs vs wants, and why it’s not always obvious
    • How subscriptions, apps, and small purchases add up quickly
    • Why higher income doesn’t always mean more savings
    • How mindset plays a huge role in managing money
    • Simple ways to start taking control of your finances today
    🔍 Key Takeaways
    • Money leaks aren’t always big expenses, they’re often small, recurring ones
    • If you don’t track your spending, you’re likely losing money without knowing it
    • Lifestyle creep is real, the more you earn, the more you tend to spend
    • Awareness is the first step, but action is what creates change
    • It’s not about cutting everything out, it’s about finding balance
    🛠️ Practical Tip from This Episode Go through your last 90 days of bank transactions. Yes, it sounds boring… but it’s powerful. Look for:
    • Subscriptions you don’t use
    • Duplicate services (multiple streaming platforms, apps, etc.)
    • “Small” purchases that happen often
    You might be surprised how much you can save just by cleaning this up.

    🎁 Free Resource Want help getting started? We’ve created a free budget template to help you identify your own money leaks and take control of your cash flow. 📩 Email: info@360mortgagesolutions.com.au
    …and we’ll send it through to you.

    💬 Quote from the Episode “Money does sort of siphon out of our accounts without us even being aware of how much is going out.”

    ❤️ Final Thoughts This episode is a reminder that managing money isn’t about being perfect, it’s about being aware. Because once you know where your money is going…
    you get to decide where it should go instead.
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    20 min
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