rossmarais
Ross Marais
Gen Y Financial Adviser & Lifestyle Planner | Host of The Young Money Podcast | CoFounder of More Time Financial
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EP 50 - 5 “almost” effortless ways to make extra money
Everyone could do with some extra money in their pocket each week; however, whenever I talk to people about earning extra money, they usually think they have to get a second job or do something that they don't have time for. So these five ways to make some extra money, if done right will not take up too much of your time and don’t require you to work a weekend job.
5 “almost” effortless ways to make a little extra cash
Get a Roommate (for homeowners and renters) Flatmates.com.au
Airbnb your room or house (for homeowners only) Airbnb.com.au
Sell your unused shit on gumtree or Facebook marketplace Gumtree.com.au
Put your car to work Carnextdoor.com.au
Consider becoming a pet sitter and get paid to look after some friendly little pets Madpaws.com.au
Ask a question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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Episode 49 - How Do Credit Cards Work?
In this episode, we discuss how do credit cards work and what you need to know before applying for one.
Credit Card Calculator: https://moneysmart.gov.au/credit-cards/credit-card-calculator
Ask as question | https://www.rossmarais.com/askross
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 48 - 3 Steps to Take Control of Your Debt
In this episode, we discuss 3 Steps to Take Control of Your Debt:
Review your current debt and understand what you owe, much your repayments are and when you need to pay your debt off by
Understand what type of debt you have Good, Bad or Shit / toxic debt
Decide what you will do with your debt, retain it, restructure, remove, reduce, refinance or consolidate it.
Ask as question | https://www.rossmarais.com/askross
Resources:
Money smart debt
https://moneysmart.gov.au/managing-debt
Money smart, mortgage calculator https://moneysmart.gov.au/home-loans/mortgage-calculator
Money smart personal loan calculator:
https://moneysmart.gov.au/loans/personal-loan-calculator
Interest calculator
Episode Sponsor | This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 47 - How to Manage Your Money and Start Saving
Cashflow & Money Management. In this episode we talk about the third part of building your financial foundations which is ‘How to manage your Money, structuring your bank accounts to help you take control of your money so you can understand where all of your money is going.
Resources
My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal
Pay Calculator - https://paycalculator.com.au/
Expenses list -https://docs.google.com/spreadsheets/d/e/2PACX-1vS7jlxbppBImRBc_PK96jyFiz0YH8FjWAJVoC4YAZ-BlkWejLWi7b5qd5D-Wtn8YQ/pub?output=xlsx
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 46 Goal Planning Process: Understand What You Want to Achieve and Why
The Goal Planning Process: Understand What You Want to Achieve and Why
Steps
Create your wish list
Create your goals board
Create an action plan for each goal
Resources
Wish List Template
Goals Board Template
Alan Watts - if money was no object video - https://www.youtube.com/watch?v=khOaAHK7efc
Compound interest calculator - https://moneysmart.gov.au/budgeting/compound-interest-calculator
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EP 55 How to Take Control of Your Money
On the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business.
In this episode, we are talking about how to Get Financially Sorted to help you determine where are you right now?
Step #1 - What do you own?
Step #2 - What do you owe?
Step #3 - How much do you earn?
Step #4 - How much do you spend?
Resources
My Prosperity Wealth Portal - https://www.moretimefinancial.com.au/wealth-portal
Pay Calculator - https://paycalculator.com.au/
How to create a mygov account https://www.servicesaustralia.gov.au/mygov-help-create-mygov-account
How to link mygov services - https://www.servicesaustralia.gov.au/mygov-help-link-service-using-linking-code
Last Pass - password management - https://www.lastpass.com/
Expenses list -https://docs.google.com/spreadsheets/d/e/2PACX-1vS7jlxbppBImRBc_PK96jyFiz0YH8FjWAJVoC4YAZ-BlkWejLWi7b5qd5D-Wtn8YQ/pub?output=xlsx
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 44 How to become a commentator with Tanera Nathan
On the More Than Money Podcast, we will be having real conversations about Lifestyle, Money and Business.
Find out more about Tanera Instagram - https://www.instagram.com/real_ttime619/
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 43 Money Chats with Mates - Part 2
In this episode, I decided to get a few of my mates together to chat about all things money. This is part two of two episodes so be sure to head back to part one before listening to this episode.
Throughout this episode, we discuss a range of topics including:
Money do’s and don’t when shouting your mates
Mistakes people make when buying a house
Cryptocurrency
Purchasing a car
Purchasing a property
Being self-employed and asking for money from clients
Find out more information about topics discussed in this episode:
Salary packaging - Find out more
Salary sacrificing - Find out more
Negative interest rates, what does this mean? - Find out more
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 42 Money Chats with Mates - Part 1
I decided to get a few of my mates together to chat about all things money. This is part one of two episodes so be sure to continue listening for part two.
Throughout this episode, we discuss a range of topics including:
Money do’s and don’t when shouting your mates
Mistakes people make when buying a house
Cryptocurrency
Purchasing a car
Purchasing a property
Being self-employed and asking for money from clients
Find out more information about topics discussed in this episode:
Salary packaging - Find out more
Salary sacrificing - Find out more
Negative interest rates, what does this mean? - Find out more
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer | In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP - 41 Ask Me Anything #2
Ask Me Anything - Answering your money questions
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EP 40 - The Challengers and Complexities of Being a Business Owner
In this episode, I am being interviewed about the challenges and complexities of running your own business, especially for younger business owners. Some of which include, balanced your business growth and goals with your personal and lifestyle goals. Not planning ahead, the difficulty obtaining/applying for finance or a mortgage. Juggling cash flow and knowing what money is yours to spend on personal things, what money is the business’s and what money is the tax mans
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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All things Airbnb with Craig Hill owner of @caba_cottage & Howzit Property Management
In today’s episode, I share with you an interview with Craig Hill who owns and operates Howzit Property Management and Airbnb management business, the @Cabba_cottage and @the_benchflat. Throughout this episode, I chat with Craig about his personal Airbnb story, how he started sleeping in the car on weekends and renting out his unit. How he has been able to take his passion for property to start his own property management business. Advice and tips for others wanting to get started renting their property on Airbnb and much, much more.
Learn more about Craig and Howsit Property Management
Website - howzit.com.au/
Instagram - @howzit_mgt
Instagram - @Cabba_cottage
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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Tax Tips For Business Owners
In this episode, I will share with you some of the common challenges that I see business owners, sole traders and self-employed clients dealing with. This includes understanding what money in their business is their own personal money to spend or take out as a salary, what money needs to be kept in the business to cover business expenses and how much money needs to be put aside or withheld for the taxman.
Income tax calculator | Use this calculator to quickly estimate how much tax you will need to pay on your income. https://paycalculator.com.au/
Episode Sponsor | This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Book in for a free Initial 30-minute consultation - https://moretimefinancial.com.au/get-started/
Check out this episode!
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EP 37 - The Elopement Collective with Britt Snow
In this episode, I share with you an interview with Britt Snow who, along with her husband Josh, founded and currently run the elopement collective, previously known as the pop-up wedding co. As you will hear in this episode, the elopement collective is a squad of wedding industry leaders and creatives that create epic and intimate elopements for couples in Australia and around the world.
Eloping is something that appears to become more accepted as a potential alternative for the traditional 80 - 100 person wedding or Event as Britt describes it. As we discussed throughout this episode, some of the benefits include not only the potential cost savings, a lot less stress and time involved in having a plan and organise your special day. Most importantly the opportunity for couples to have a day of their choosing, without all of the external pressure and expectations that seems to come with having a wedding.
Throughout this episode, I discussed with britt
How they were able to take their original goal of booking 12 weddings a year. To now having grown a business with an annual turnover of over $600,000, as well allowing their family to travel the world doing something they love.
How the original idea of the pop-up wedding co which turned into the elopement collective was born
The decision for Britt and Josh to quit their full-time jobs and start their business
Some of their biggest failures and lessons they have learnt so far with running their own business
What they know now that they wish they had known when first starting the business
The growing trend of eloping
How eloping works and what are the costs involved
The wedding industry as a whole
Some of the amazing travel destinations that they have travelled to including Iceland, New Zealand and New York
Learn more about Britt and The Elopement Collective
Website - elopementcollective.com
Instagram - @elopementcollective
Facebook - @elopementcollective
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Episode Sponsor
This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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EP 36 - Real Life Client Scenario
In today’s episode, I will share with you a real-life client scenario of Kim & Kanye (not their real names) clients that I have been working with for the past few years in my business More Time Financial. As a result of working together, we were about to increase their savings by $1,000 pm / $12,000 pa and we were able to go from being $20,000 in debt to having a house deposit of $50,000 and purchasing their first house in less than 18 months.
Episode Sponsor
This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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The Travelling House Sitters
In this episode, we speak to Brittnay and Jay who are full time, professional house and pet sitters. They both love travelling and taking care of animals to date they have looked after over 90 pets in 14 countries. This podcast was recorded in January 2020 while Jay is on a boat in Carriacou which is the largest island in the Grenada / Grenadines and sits around 30km North of the main island of Grenada. It has a population of around 8,000 and is fairly small at around 30km square.
Learn more about Britt and Jay
Website - thetravellinghousesitters.com
Instagram - @thetravellinghousesitters
Learn house to become a house sitter by signing up to their House Sitting Course
Resources mentioned in this episode
Trusted House Sitters - https://www.trustedhousesitters.com/
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Episode Sponsor
This episode is brought to you by More Time Financial, a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education.
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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Starting a Business, Breakups & Travel With Emily Gough
Episode Title - Starting a Business, Breakups & Travel With Emily Gough
In this episode, we speak to Emily Gough about:
Going back to school
Changing careers
Starting a business
Relationship breakdown
Travel
Pros and Cons of working remotely
Your money story and money beliefs
About Emily
Some things you may not know about her:
A handful of my favourite things include deadlifts, dark chocolate PB cups and patting every dog I meet.
I’ve held random jobs that include everything from working in a warehouse and bartending in nightclubs for years, to customer service at a well-known chain and managing large corporate sales accounts in the automotive industry.
I have BA in Criminal Justice & Psychology, plus certifications as a personal trainer, group fitness instructor and holistic nutritionist - and it all somehow led me to where I am today.
Whether it’s walking, hiking, lifting heavy weights or trying to learn to love the assault bike, I’m usually in motion.
I laugh a lot, even at inappropriate moments. I try to find the light in everything, and will also always encourage you to feel all the feels, otherwise, they have a habit of coming back to bite us in the ass 10X over.
The hardest lesson I’ve learned is that life isn’t going to go according to plan. Ever. The faster you learn to let go of “the plan,” the more adaptable you will be and that will allow you to see and appreciate the most beautiful parts of the unexpected.
Learn more about Emily
Website - emilygoughcoaching.com
Podcast - Room to grow podcast
Instagram - instagram/emily
Resources mentioned and topics discussed in this episode
Rules on opening and closing joining bank account - moneysmart.com.au/jointbankaccounts
Relationships and money - moneysmart.com.au/relationships
Defacto laws in Australia - familylaw/defacto
To stay up to date with the latest news, sign up to More Than Money Newsletter and get insights, tips and resources to help you make smarter decisions with your money delivered straight to your inbox each week
Episode Sponsor
This episode is brought to you by More Time Financial a financial planning company that is on a mission to help young Australians make smarter decisions with money by providing real-life financial advice, coaching and financial education. Apply for a complimentary 30-minute consultation moretimefinancial.com.au/apply
Disclaimer
In preparing this podcast episode, the contributors have not taken into account any particular person's objectives, financial situation or needs. Before acting on this information, you should consider its relevance to your personal circumstances.
Check out this episode!
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