New Financial Year Beats New Year's Resolutions: 5 Things To Actually Do This July

Your New Year's resolutions were never going to work, and it's not because you're lazy. You made them drunk on champagne and optimism, on behalf of a version of you with far more bandwidth than you actually have on a wet Tuesday in February.  So if those January money goals quietly died months ago? Good. Let them.  Because it's the first of July. New financial year. New payslips, fresh tax year, super statements landing, and twelve months of real numbers you can finally look at instead of guess at. This , not January,  is the reset that actually has machinery behind it.  In this episode, Mel walks through five things worth doing this new financial year: how to find more cash by looking at both sides of the ledger (not just the lattes), how to clear the bad debt and choose not to reach for it again, why a five-minute conversation about your mortgage could save you more than a year of skipped coffees, how to set one ridiculously specific goal instead of five vague ones, and the cup-of-tea's worth of admin that matters more than almost anything else: checking your super. Plus a bonus for anyone running a business.  No hype. No shame. Just what to actually do next.  What Mel covers in this episode:  Why the new financial year beats New Year's resolutions every time  Finding more cash by asking two questions at once: where can I cut, and where can I bring more in  The four types of debt (bear trap, quicksand, bridge, fast car) and what to do with each  Why clearing debt is only half the job and how to make it stick  The loyalty tax on your mortgage, and how a broker does the shopping for you  How to set one goal so specific a ten-year-old could grade you on it  Your new-financial-year super checklist: find it, consolidate it, check the fees, and the super-splitting conversation to have if you've taken a career break  A bonus for business owners: reviewing last year honestly, and being willing to let go of what's no longer working  —  General Advice Warning: This podcast contains general information only and does not take into account your personal circumstances, objectives or needs. Mel Browne Money Pty Ltd is a Corporate Authorised Representative of Rask Licensing Pty Ltd (AFSL: 563 907). Please consider whether the information is appropriate for you, and speak to a licensed financial adviser, accountant or tax professional before making any financial decisions. Past performance is not indicative of future performance.  Links mentioned in the episode are below: Mel's Secret Business Club 9 spots left and starss 28 July: https://www.melissabrowne.com.au/msbc My Financial Adulting Plan – final round ever starts 21 July: https://www.melissabrowne.com.au/financialadulting 20+ ways to find 10k in 12 months link: melissabrowne.com.au/find$10kin12months  For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at [email protected].  Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.