Оглавление
Jessica Irvine. Money with Jess
Table of Contents
Guide
Pages
How to get immediate help
How to access my free resources
Introduction
How I found financial freedom
Why I wrote this book
PART I How to build a healthy money mindset
1 Identifying your money emotions
The emotions wheel
Where do emotions come from?
2 Seven money thoughts you need to ditch right now
Money myth #1. Money is too complex to understand
Debunking money myth #1
Money myth #2. Some people are just bad at money (and I'm one of them!)
Debunking money myth #2
Money myth #3. Spending money is bad and I'm not supposed to spend
Debunking money myth #3
Money myth #4. There is a perfect way to do money and I'm not doing it
Debunking money myth #4
Money myth #5. I've left it too late and I'll never have enough money
Debunking money myth #5
Money myth #6. I have to know my ‘why’ before I can start to improve
Debunking money myth #6
Money myth #7. Budgeting is boring
Debunking money myth #7
3 It's time to meet Future You …
4 The four steps to financial freedom
STEP 1. EARN an income
PAY RISE HACKS. My top 9 hacks for getting a pay rise
STEP 2. TRACK your spending
STEP 3. CREATE a surplus
STEP 4. PROTECT your surpluses
Should you pay off debt or invest first?
Should you invest in property or shares?
PART II How to create an annual budget
5 Why you need a budget
My quest to design the ultimate household budgeting system
6 My 10 budget categories explained
HOUSING. Put a roof over your head
A note for owners of multiple properties
Deciding whether to rent or buy
Should you rent or buy?
HOUSING HACKS. My top 9 savings hacks for renters
How to own your dream home sooner
How to maximise your borrowing capacity
HOUSING HACKS. My 10 top hacks for buying your first home
How to get the best deal on your mortgage
HOUSING HACKS: My top 9 hacks for saving on your mortgage
HOUSEHOLD. Make your house a home
Furniture
HOUSEHOLD HACKS. My top 8 hacks for purchasing furniture
Décor
HOUSEHOLD HACKS. My top 2 hacks for not overspending on décor
Appliances
HOUSEHOLD HACKS. My top hack for purchasing appliances
Home maintenance and repairs
HOUSEHOLD HACKS. My top home‐improvement hack
Cleaning
HOUSEHOLD HACKS. My top 6 cleaning hacks
Hygiene
HOUSEHOLD HACKS. My top 3 hygiene hacks
Garden
HOUSEHOLD HACKS. My top 5 gardening hacks
Strata fees
HOUSEHOLD HACKS. My top 2 hacks for belonging to a body corporate
Home insurance
HOUSEHOLD HACKS. My top 5 home insurance hacks
Council rates
HOUSEHOLD HACKS. My top council rates saving hack
Household services
HOUSEHOLD HACKS. My top 3 household services savings hacks
UTILITIES. Connect your home to essential services
Electricity
UTILITIES HACKS. My top 13 hacks for saving on electricity
Gas
UTILITIES HACKS. My top hack for saving on gas
Water and sewerage
UTILITIES HACKS. My top 5 hacks for saving water
Internet
UTILITIES HACKS. My top 3 hacks for reducing internet charges
Phone
UTILITIES HACKS. My top 3 hacks for reducing phone bills
Postal services
UTILITIES HACKS. My top 2 postage hacks
TRANSPORT. Get from A to B
Vehicle purchase
TRANSPORT HACKS. My top 7 car‐purchase hacks
Vehicle loan payments
TRANSPORT HACKS. My top 6 vehicle financing hacks
Vehicle registration
TRANSPORT HACKS. My top car rego hack
Drivers licence
TRANSPORT HACKS. My top licence hack
Vehicle insurance
TRANSPORT HACKS. My top 7 ways to save on vehicle insurance
Vehicle servicing and repairs
TRANSPORT HACKS. My top 5 hacks for keeping your vehicle on the road
Vehicle parts and accessories
TRANSPORT HACKS. My top 2 hacks for vehicle parts and accessories
Roadside assist
TRANSPORT HACKS. My top roadside assistance hack
Driving lessons
TRANSPORT HACKS. My top driving lessons hack
Fuel
TRANSPORT HACKS. My top 5 hacks for saving on fuel costs
Tolls
TRANSPORT HACKS. My top 3 road‐toll hacks
Parking
TRANSPORT HACKS. My top 4 parking hacks
Public transport
TRANSPORT HACKS. My top public transport hack
Vehicle hire, taxis and ride shares
TRANSPORT HACKS. My top driving costs hack
FOOD. Nourish your body
FOOD HACKS. My top 30 food hacks
HEALTH. Prevent and cure illness
Health insurance
HEALTH HACKS. My top 10 health‐insurance hacks
Pet insurance and veterinary costs
HEALTH HACKS. My top 5 hacks for pet‐related costs
Doctors and specialists
HEALTH HACKS. My top 5 hacks for saving on medical expenses
Dental
HEALTH HACKS. My top 2 hacks for reducing dental services costs
Optical
HEALTH HACKS. My top 2 hacks for reducing optical services costs
Hospital and ambulance
Medicines
HEALTH HACKS. My top 4 medicinal hacks
Medical equipment
HEALTH HACKS. My top medical supplies hack
Sport and fitness
HEALTH HACKS. My top 3 hacks for gym fees
EDUCATION. Acquire knowledge to boost future income
Books, newspapers and magazines
EDUCATION HACKS. My top 6 hacks for staying informed without paying too much
Stationery
EDUCATION HACKS. Top money saving hack for stationery
Home computer equipment
EDUCATION HACKS. My top 3 home computer purchase hacks
Childcare
EDUCATION HACKS. My top childcare hack
School
EDUCATION HACKS. My top school‐costs hack
Higher education
EDUCATION HACKS. My top higher‐education‐costs hack
APPEARANCE. Influence how other people see you
Clothes and shoes
APPEARANCE HACKS. My top 11 hacks for saving on clothes and shoes
Accessories
APPEARANCE HACKS. My top accessories hack
Hairdressing
APPEARANCE HACKS. My top 4 hairdressing hacks
Beauty products
APPEARANCE HACKS. My top 2 beauty products hacks
Beauty treatments
APPEARANCE HACKS. My top 2 hacks for beauty treatments
LIFESTYLE. Have fun!
Eating out and takeaway
LIFESTYLE HACKS. My top 3 hacks for avoiding eating out and takeaway
Alcohol
LIFESTYLE HACKS. My top hack for reducing alcohol costs
Tobacco and drugs
LIFESTYLE HACKS. My only hack for buying tobacco and drugs
Holidays
LIFESTYLE HACKS. My top 7 holiday costs hacks
Seasonal celebrations
LIFESTYLE HACKS. My top celebration hack
Parties and functions
LIFESTYLE HACKS. My top 6 wedding and party hacks
Gifts
LIFESTYLE HACKS. My top 4 hacks for gift giving
Toys
LIFESTYLE HACKS. My top 5 hacks for saving on toys
Streaming services
LIFESTYLE HACKS. My top 2 hacks for saving on streaming services
Gaming and consoles
LIFESTYLE HACKS. My top 2 gaming and console hacks
Music, audio and photographic
LIFESTYLE HACKS. My top hack for enjoying free music
Live entertainment
LIFESTYLE HACKS. My top 4 live entertainment hacks
Attractions
LIFESTYLE HACKS. My top hack for free entry passes
Hobbies
LIFESTYLE HACKS. My top hobby savings hack
Gambling
LIFESTYLE HACKS. My top 2 hacks for tackling a gambling habit
Pet purchases
LIFESTYLE HACKS. My top hack for pet purchases
PROFESSIONAL FEES. Pay people to help you
Credit cards
PROFESSIONAL FEES HACKS. My top 2 credit card interest hacks
Other loans
PROFESSIONAL FEES HACKS. My top 3 hacks to help manage your debts
Bank fees
PROFESSIONAL FEES HACKS. My top 3 hacks for avoiding bank fees
Life / trauma / TPD insurance
PROFESSIONAL FEES HACKS. My top 2 life‐insurance hacks
Income protection insurance
PROFESSIONAL FEES HACKS. My top income protection hack
Financial advisor fees
PROFESSIONAL FEES HACKS. My top 6 hacks for reducing financial advice costs
Accountant / tax agent fees
PROFESSIONAL FEES HACKS. My top accounting hack
Legal fees
PROFESSIONAL FEES HACKS. My top 2 hacks for reducing legal fees
Funeral expenses
PROFESSIONAL FEES HACKS. My top hack for paying funeral costs
Union / professional association fees
PROFESSIONAL FEES HACKS. My top hack
Child support
Pocket money
Charity donations
PROFESSIONAL FEES HACKS. My top donations hack
7 Create your very own budget
Money in: what is your income?
Should you make voluntary contributions to your super?
MONEY HACKS. My top 9 hacks for making a few extra dollars
Money out: what are your expenses?
What's left? Are you in surplus or deficit?
PART III How to maintain your budget
8 Track your spending
How to use the Spending Tracker
Why I track using pen and paper
9 Set up Future Funds
How to use the Future Fund worksheets
How to create your Future Funds
How to maintain your Future Funds
10 Check in with your budget each month
How to use the Monthly Budget worksheet
1. Identify all your income
2. Identify your monthly direct debits
3. List your Future Fund contributions
4. List all your ‘variable’ spending by category
5. Add up all your spending
6. Calculate your monthly surplus
7. Put your surplus to work
INVESTING IN SHARES
8. Make your own budget binder!
11 Q&A with Jess
How long does this all take?
How do you structure your bank accounts?
Why don't you set up multiple bank accounts for your future funds?
Why don't you like the 50:30:20 budgeting rule?
Why don't you use ‘buckets’?
Are there any budgeting apps you recommend?
Do I have to do the Future Funds thing?
Can I steal your categories and keep going with my own budgeting structure?
Can you help get my partner on board to follow your method?
What about spending that spans multiple categories or has multiple purposes?
What about delivery charges and tips?
12 Next steps
Staying on track
A final note
Index
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