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Finance First Coaching

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Finance First Coaching

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Finance First Coaching, Financial Consultant, Sydney.

🇦🇺✨Financial Coach ✨🇦🇺
Chartered Accountant, 14+ years in Corporate Finance

You'd love to work with me if you are keen to:
⚡️Stop being stressed about money,
⚡️Get ahead with your savings,
⚡️See your money clearly,
⚡️Pay off your debts,
⚡️Plan ahead.

25/04/2025

💡Love working from home?
I’ve got a tax rate update for you! 👇

A new rate has been set by ATO for calculating the additional work-related running expenses you incurred while working from home.

From 1 July 2024 the rate is 70 cents per hour using fixed-rate calculation method.

It was 67 cents per hour prior to July 2024.

Alternatively, you can continue to claim your actual expenses.💡

03/04/2025

Strategy Days are the days that I rarely have time for.
I'm sure lots of business owners can relate to it.

With busy lives and time running away from us we find it difficult to pause for a moment and reflect, think about refining our goals, plan for future.

Today is the Day for it. And I'm very lucky to spend it in such beautiful surroundings.
I wish birds singing and morning freshness could be captured in the photos as this morning is an absolute blast!

28/03/2025

Out of the woods!

As always it’s great to catch up with a lovely bunch of people at Central Coast SBNG.

Today I had a pleasure to present, and I chose to focus on Strategic Cash Flow Management - topic that is so dear to small business owners hearts.

It was such an engaging discussion: my goal was to make complex things simple, replace accounting terminology with the practical talk easy to put in practice, and I felt really great at the end of it.

I loved your participation and enjoyed every minite of our chats! It was also great to see so many new faces.

21/10/2024

I can’t stress enough how important the communication is when it comes to couples managing money together.

Most of the money related disagreements and misalignments that I have been hearing from couples about can be resolved with improved communication.

I’ve been asked by one of my trusted referral partners to give some money management tips to couples in preparation for the coming workshop.

I believe the summary I put together is worth sharing with the larger audience as most couples and families will find it applicable to them.

30/09/2024

Here's one thing I still need to learn and accept about being a working parent: plans fall through all the time 🤦‍♀️

I'm the type of person who loves planning so this is super hard for me to accept.

Entire last week I was planning to attend a networking event with my local small business group on Friday morning. I have not been to any over the past 2 months, and I already made my mind that on Friday I'll make time for it and be there.

➡️ On Thursday my toddler developed a high fever and we ended up in an emergency department. We left the hospital only towards the end of the day. Needless to say, the next day was fully devoted to my child.

➡️ We had to cancel catch up with friends over the weekend - we haven't seen them for over a year and planned it well ahead of time.

➡️ I missed the networking event; the next one I can attend will only happen in a month time.

➡️ To catch up with my work I have been working in the evenings after the kids are in bed.

I know I need to learn that it's ok to adjust, that "life" happens all the time: kids get sick, pass the germs on to each other, accidents happen. But with every such occurrence I feel that my "house of plans" crumbles and I need lots of time to pick the pieces up to build it up again.

Being a working parent, managing my own business, household and all the kids related matters is a lot.

If you are in the same shoes, just know you are not on your own!

We need to learn to take it easy on ourselves and be flexible with our planning 🫶
Because life happens. All the time.

23/09/2024

As I have quite a lot of new followers as of recently, I am excited to welcome you all and post my comparison table of finance professionals types for your reference.

It will help you to determine which finance professional you need to see.
In a nutshell, it all depends on your goals and current financial situation.

There are Financial Advisers / Planners, Financial Coaches and Financial Counsellors. You might require one or another at different stages of your life.

Take a look at the table, and I hope it will help you to decide which professional you need to engage to improve your financial situation.

Cheers,
Anna x

20/09/2024

Last week marked the final week of my Program "Preschool Money Adventures!" in Learn and Laugh Wyoming 💕

What a curious group of preschoolers it was! Their engagement grew with every week passing by, and I was so proud to see how much they excelled in the final Quiz game enthusiastically answering all money questions.

💡 Over 6 weeks we have been learning about coins and banknotes, wants and needs, smart spending and saving, ways to earn money and making choices.
💡 We discussed the importance of giving as well as differences between borrowing and buying, lending and giving.
💡 We read 5 different books where various money concepts are explained in a simple and fun way.
💡 We played ~15 games / group activities engaging everyone to actively participate, take turns and apply their learning to practice.
💡 We engaged in open discussions every week sparking kids' curiosity, expanding their knowledge of money and building it up gradually on the previous learning.
💡 Towards the end of the Program children were able to "earn" some money, "save" it and "spend" it on the tub of stickers for the class applying all the learnt concepts during the game to achieve their class goal.

Seeing children's happy and proud faces on their last day of learning is the best reward I could have asked for! 🤩

Thank you Learn and Laugh Wyoming for inviting me to teach your preschoolers about money and helping them to develop these vital skills right before they start kindy next year ❤️

13/09/2024

What a busy workshop I had today at Goodstart Early Learning Woy Woy with the preschoolers group!

We have been learning about coins and banknotes, counting them, trading and bartering while looking into the history of money.

To summarise our learning we watched a video on counting coins following by the art and craft activity where the children enjoyed designing their own banknotes, cutting their very own coins and placing them into their very own special golden envelopes!

Thank you Goodstart Early Learning for supporting the children on their journey to be money smart and having that important foundation before they start kindergarten next year!

It was such a pleasure to work with this awesome bunch of preschoolers ☺️

If your preschool or ELC would like to book an incursion or “Preschool Money Adventures” Incursion Program, contact me x

12/09/2024

R U OK? This is the question we should be asking not only on R U OK? Day.

There is so much struggle, dramas, mental health issues, exhaustion, workload, financial and emotional stress around us that I’m sure each one of us might be experiencing some of it to an extent.

🫶 Ask your neighbour, friend, mate if they are ok.
🫶 Be their listening ear and help them feel better.
🫶 Refer them for help if they need it.
🫶 Do that on any day, not only on R U OK Day.

Much love x

10/09/2024

Hi, it's me! It's been a crazy busy couple of months for me with a lot of changes and good things happening.

The biggest change is I have made a decision to complement Financial Coaching with practising Accounting.

As I'm a Chartered Accountant, it was an easy decision to keep practising so I can stay up-to-date with the tax and legislation changes. Now I dedicate a couple of days a week to work in an accounting firm, and I find it very beneficial for my personal and professional development.

The challenge is though that I'm still trying to find a good balance between Accounting practice, my Financial Coaching business and my family commitments but I'm sure it's just the matter of time and things will work out just as they need to.

Social media was not my priority but I will slowly head back here, I promise ☺️

Juggling kids, work, other commitments is not easy. I'm curious how do you find your perfect balance?

26/07/2024

Debt consolidation: why's, when's and who can help?

❓Why's.

➡️ If you have multiple loans and credit card debts, you might be going through the hustle of repaying different amounts on different days of the month, and it might be so confusing and hard to keep up with. You might also be not on the best interest rates for all your loans.

Let's say, every month you pay:
- $200 "Credit card 1" payment on the 1st,
- $100 "Credit card 2" payment on the 5th,
- $890 Car loan payment on the 11th,
- $730 Personal loan payment on the 18th,
- $110 Credit line on the 25th.

It might get too overwhelming to keep track of this payment schedule. Besides, credit card interest rates would be higher than car loan interest rates so overall you might end up paying lots of money in interest that you could potentially slash.

It's $2,030 a month for your all debt repayments. How would you feel if you could streamline them and have 1 single repayment on the certain date every month, and potentially even reduce the interest? Would it give you more clarity and less stress? Would it make you feel better?

If so, you could consider debt consolidation: combining multiple debts into a single loan or credit facility. Your new loan might even have more favourable terms (lower interest rates) to pay off existing debts.

Debt consolidation could be done through personal loan (where you organise it yourself) or debt consolidation company (they provide you with options and do all the preparation / application work for you).

❓ When's.

➡️ When you want to streamline your repayments so it's a single payment instead of multiple ones. Then you will focus on a single loan rather than multiple debts.
➡️ When you are looking to get some savings in interest and can get a better rate if you consolidate all your debts into one loan.
➡️ You want to bring more transparency into your budget and make it an easier process for yourself so you can plan only for 1 payment instead of many.

Things to beware of when making a decision about debt consolidation:

⚡️ Debt consolidation may negatively impact your credit score due to the credit inquiry and applying for a new loan. This would likely be a temporary change as if you start making repayments on your new loan on time, the credit score will start improving over time.

⚡️ Debt consolidation might have a longer timeframe for paying your loan as all your debts are combined into one so you might need more time to pay it off. If the new loan comes with extended term, then your potential savings in interest might be eaten up by the interest on the new loan that you will pay over the longer period of time.

⚡️ Debt consolidation does not necessarily result in a reduction of the total debt amount. It aims to simplify repayment and potentially lower interest rates, but the principal amount remains unchanged.

⚡️ Debt consolidation does not solve the problem of excessive spending. When you have multiple debts, there is a temptation to consolidate and have only one, but the temptation that follows is to reach out for the credit card again. In this case you might need some help with your financial mindset and discipline by looking at the root cause of all the debts. Debt consolidation is not a solution, what you need more is a Financial Coach to navigate you through your financial challenges and help you to build healthy money habits and get clarity on your potential next steps.

⚡️ Whether debt consolidation is for you or not depends on individual circumstances. If you have manageable debts and are looking to simplify the repayments process and potentially get better interest rates, this might be suitable for you but only after you weigh all pro's and con's, financial benefits and implications.

❓ Who can help.

➡️ Debt consolidation often involves working with financial institutions or companies, however, you can do it yourself too.

➡️ Are you considering debt consolidation? Let me know!

Next time we'll talk about 0% balance transfer credit card.
Send me your questions and we'll cover them in the next post x

16/07/2024

Debt refinancing: why's, when's and who can help?

❓Why's.

➡️ If you have a loan or mortgage and have been looking to secure better terms (lower interest rates as an example), refinancing debt is a good option to consider.

- Imagine, you have a mortgage with $600,000 outstanding balance. 25 years left on it, you pay monthly. No other fees but interest rate.

- $4,024 is your monthly repayment with the interest rate of 6.4%.

What if you managed to refinance and get a better interest rate of 5.99%?

⚡️$3,872 will be you NEW monthly repayment, $152 lower than the previous one.

⚡️$152 per month (or $1,824 a year!): that's how much you'd be able to SAVE as a result of refinancing your loan.

⚡️ What's even better: you will save $45,507 on interest over the time of your loan!

❓ When's.

➡️ In the current economic climate refinancing and shopping for better deals is something worth to consider. Loyalty doesn't pay off, and there are always attractive deals on the market where banks and credit unions compete for new customers.

➡️ Refinancing is not only for mortgage holders, but for those with other types of loans as well.

➡️ When refinancing, always consider the other fees and charges you may incur. They may include:
- Break cost (fixed loan, existing lender)
- Discharge settlement fee (existing lender)
- Application / establishment fee (new lender)
- Property valuation fee (new lender)
- Settlement fee (new lender)
- Mortgage registration fee (new lender)
- Ongoing fees (new lender).

⚡️Before refinancing do a through research to see what deals are available and which ones might be the best for you.
⚡️Have a clear picture of what you GAIN or LOSE before refinancing.
⚡️Weigh all the pro's and con's, financial benefits and implications.

❓ Who can help.

➡️ Engage a mortgage broker to help you with all the above - they have access to many financial products and will be able to guide you through the options considering your circumstances (most of Mortgage Broker services are FREE so do not hesitate to reach out to them for help with making a decision!)

I personally know the following local finance brokers and can recommend their services:

Lotus Home Loans (Central Coast)
Stephanie Thompson - Rise Mortgage Brokers (Central Coast)
Advocate Finance (Central Coast)

and a few others from Sydney and Brisbane (if you prefer a local one!)

➡️ Are you considering to refinance? Let me know!

Next time we'll talk about debt consolidation.
Send me your questions and we'll cover them in the next post x

Address

Sydney, NSW

Opening Hours

Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 4pm

Website

http://www.financefirstcoaching.com.au/

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