The 5 Second Rule

The 5 Second Rule

The 5 Second Rule

I can’t remember exactly when I first heard about Mel Robbins and The 5 Second Rule on my youtube feed, however I know that I was intrigued about some of the stuff Mel was saying and it was making SO much sense at the time.

Well I’ve finally finished the book and what an awesome read it was.

I think it’s going to be a book that I’ll pick up again and again, as there are so many reminders we need to stay true to ourselves and live the life we desire without procrastination or fear of failure. 

I have to say I’m a bit of shocker when it comes to reading books, as I generally have about about 4 books on the go at one time.

I so love reading and how the words in some books just pop out and and you go “hell yeah”, which is what Mel’s book did for me.

There are so many things we already know on a daily basis we “should be doing” but reading this book gives you a gentle reminder to continue to put certain things back into practise.

I had so so many “take outs” from this book that I’ve written down and will keep for myself to look over to remind me to stay true, be brave & stop procrastinating.

I’ll do my best to highlight the main ones that I got out of the book, without giving too much away in case you decide to read it for yourself.

So here goes my “take outs”….

  1.  I do the count down with our daughter and didn’t realise it until I read this book and yes the 5, 4, 3, 2, 1 count down definitely works!
  2.  How to beat fear & procrastination by using the principals and practises Mel describes.
  3.  We are the problem no one else – for whatever is going on in our life.
  4.  Trust your gut & yourself more – research confirms the “gut theory”.
  5.  Letting go. There are always people who are going to jealous, envious or just plain don’t like you. That’s ok. Stay true to yourself, move on and forgive!
  6.  Improve your life by moving and stop making excuses – JUST DO IT!….and
  7.  How to stop overthinking things.

We all struggle with the same self defeating problems.

We all doubt ourselves.

Don’t buy into these feelings….

There you go just a few of my “take outs” from Mel Robbins book The 5 Second Rule!

An awesome read for anyone who wants to improve some part in their life.

Reading books can inspire us to become more of who we want to be.

Be inspired, read more, love more, live more and just be you – you are perfect exactly the way you are.  So embrace you and be HAPPY!

If there’s a book you love then please let me know as I’d love to hear what  📚 inspires you 💝

The Secret to Financial Health Episode 001

The Secret to Financial Health Episode 001

The Secret to Financial Health.

Some people today are in real financial trouble.  Here in the West of Australia, those who were working some 18 months back in the mining industry were hit really hard and a lot of people lost their jobs.  For the fortunate ones who didn’t loose their jobs, they were offered the opportunity of taking a massive pay cut in some companies until that company got back on their feet financially.   

A lot of the reason some people were hit really hard and still hurting badly today is because they didn’t build up their financial reserves in case of a situation like this.  The financial experts had predicted the bust of the mining boom for some time before it actually occurred, however some people kept spending and carrying on like it wasn’t going to happen to them. 

This is where if they had applied the secret to financial health that I have shared in this episode, they could’ve experienced less financial heartache and pain.

So what is the secret to financial health… and… does such a thing like financial health actually exist?

Yes it does!

So……listen up to see if you have one, if not more, of the seven traits I share in The Secrets to Financial Health! 

Top 2 Questions I’m Often Asked…

Top 2 Questions I’m Often Asked…

Click the image or here to listen the video


There are 2 things that most people ask me once they’ve found out my background as that is;

  1. How do I get out of debt…… and
  2. How can I get an investment property?

Okay so you’re in debt and yes you want to know how to get out of it as fast as possible.

Then you want to know how to start investing in property because having the ability to drive past and see your investment is what we Australians love to do.

We have a love of property.

1.  My answer to the first question is if it’s credit card debt then cut up the card.

This can seem a little extreme for some when they have come to rely on it, but if you can’t manage to pay or sweep of the balance owed at the end of each month then my solution to this is to look to a getting a visa debit card facility.

Essentially, they work the same but you are using your money not the banks and you won’t incur the hefty penalty rates for not paying the balance off every month.

This is a great a solution as you only spend what you have in your account.

Regardless whether it’s credit card debt or other personal debt – there is a system that you can follow that will see you paying your debts off in no time.

There’s a worksheet you can download that will help get you started to working out which debt to pay off first and you can access this worksheet HERE.

2.  So, in answer to the second question I get asked about buying an investment property.

I gently say to people that you shouldn’t be thinking about investing until you get your debt under control and start to have some disposable income available.

There are other ways in which a person can get into an investment property even if they have some debt and that’s if they have equity in their home.

For those that are not sure what I mean by equity it means that if your home is valued at $450,000 and you owe $400,000 on it then the $50,000 difference is known as equity.

You also need to take into account your credit rating, which is affected your ability on how you are paying any outstanding debts off.

Understanding how your credit rating affects your ability to borrow is something I will talk more about in another blog.

So, that’s it the top 2 questions I get asked.

If you love the information and financial education you are receiving from me, then share with friends and subscribe to my channel so you don’t miss when new financial tips become available.

Until next time…to your financial health.

and the team at Financial Management 101



Christmas Stocking Fillers – that won’t break the bank!

Christmas Stocking Fillers – that won’t break the bank!


It’s that time of year, where we are gearing up to celebrate Christmas and the holiday season.

It’s also the time of year that gets very stressful for some people.  The stress of buying gifts can be tough financially.

My tip; only buy what you can REALLY afford because at the end of the day, it’s about spending time with loved ones – not about the size or cost of their GIFT.  💜

I’ve put together some ideas that won’t break the bank – but are affordable Christmas gifts or Stocking fillers.

Click on the link here to access the list.

Happy shopping…..

To your financial health

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Financial Management 101:  teaching you how to build financial muscle!



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