Wilko’s Wealthy Wisdom - The Podcast

TL;DR Building a home can feel overwhelming, but with the right team around you it becomes far more manageable—and often more rewarding financially. In this episode, Alex from Bold Living and Mitchell from SW Brokerage unpack the realities of construction, from how construction loans work to the financial strategies that make building achievable. They also explore how incentives—like Bold Living and SW Brokerage’s $10,000 contribution—can help cover costs such as rent during the building phase. The conversation highlights why working with a builder and broker who understand the process together can make the entire experience smoother and more strategic. Why Listen Build With the Right Team Learn why working with a broker and builder who collaborate closely can simplify the entire process—from land purchase to construction completion. Understand Construction Loans Construction lending often means interest-only payments during the build, which can make repayments more manageable compared to traditional loans. Builder Incentives & Support Discover how joint offers, such as the $10,000 contribution from Bold Living and SW Brokerage, can help offset costs like rent while your home is being built. Immediate Equity Potential Many new builds are worth more than the combined land and construction cost by the time they are completed. Customisation vs Volume Building Understand the difference between tweaking a standard plan and working with a builder that offers more design flexibility. Key Takeaways Start Early With Experts Engage both a broker and builder early so you can secure land, structure finance correctly, and avoid delays when opportunities arise. Manage the “Double Whammy” During construction you may still be paying rent while your mortgage gradually increases as each build stage is completed. Having a buffer—often around $10,000—can help ease this transition. Leverage Builder Incentives Joint initiatives like the Bold Living and SW Brokerage $10,000 contribution can help cover living costs during construction and reduce financial pressure. Understand “To Be Completed” Valuations Banks assess the future value of your property once construction is finished, allowing you to finance based on the completed property value rather than just the land. Produced by The Podcast Boss

In this episode, host Barry sits down with long-term clients Daniel and Vicky Ryan to unpack their six-year journey from feeling stuck and under financial pressure to owning a new car, restructuring their debt and purchasing an investment property. What began as a desperate search for an $8,000 car loan turned into a complete rethink of how they manage money, set goals and make decisions for their family’s future.   They talk candidly about the stress of money, why people avoid talking about finances, how a poor experience with a bank shaped their views, and why working with an experienced broker who looks at the whole picture – not just a single loan – changed everything. The conversation also explores ongoing support, regular “check-ins” on their loans, and how better financial habits are now flowing through to their kids.   Key Discussion Points Opening thoughts on brokers and “cowboys” Barry reflects on how easy it is to become a broker, why inexperience scares him, and why people’s lives are literally on the line with financial decisions. Meet Daniel and Vicky Barry welcomes long-term clients and now friends Daniel and Vicky Ryan, and frames the chat: why they chose SW Brokerage and how their perception of brokers has changed. Rock-bottom moment and the $8,000 car loan With three young kids, a car written off and no real financial strategy, Daniel and Vicky describe feeling like they “couldn’t go any lower” and how online bank portals only offered a tiny personal loan. Breaking the silence: talking about money at school pick-up Vicky shares how rare it was to find other parents who were honest about seeing someone for financial help, and how a recommendation led them to SW Brokerage. First meeting: from $8k to a brand-new car They recall bringing in the famous whiteboard, expecting just an $8,000 car loan, and leaving with a structure that allowed them to buy a brand-new car and rethink their approach. Why they chose SW Brokerage over other brokers and banks Daniel and Vicky explain unsuccessful attempts to talk to banks and other brokers, the importance of feeling heard, and how testimonials on the SW Brokerage website helped build trust before they’d even met Barry. More than a single loan: goals, habits and a 10-year plan The conversation turns to goal-setting, identifying bad spending habits and building a structured five- to ten-year financial plan – not just ticking a loan box. When going straight to the bank goes wrong They revisit the purchase of their home through a bank – and how no one asked about future children, long-term goals or the bigger picture, which later added financial strain. The phone call that saved $150 a month Vicky shares the surprise of getting a proactive call from SW Brokerage about a better deal, resulting in monthly savings – something that never happened with their bank. Holding banks accountable and ongoing reviews Barry explains how SW Brokerage regularly goes back to lenders to negotiate better pricing for clients, and why that ongoing service is core to their model. The power of “just call us” Daniel and Vicky describe the comfort of being able to pick up the phone about anything – car, renovation, investment, holiday – and know they’ll get straight, tailored advice. Referral partners, SMSFs and debt recycling They talk about working with trusted referral partners for SMSF investment property and other strategies, and how having a “financial team” matters more than any single product. Education through newsletters and podcasts Vicky loves the newsletter, Daniel prefers the podcast – together they show how ongoing education from SW Brokerage keeps them inspired and informed about next steps. “The best brokerage”: summing up the experience Put on the spot to describe SW Brokerage in three words, Daniel lands on “The best brokerage”, and they explore what that really means in practice. Underestimating the value of an experienced guide Vicky admits she underestimated how crucial it is to have an experienced broker coordinating a re-mortgage and SMSF at the same time – and how surprisingly stress-free it felt. “What would Barry say?” – building decision-making confidence They now use Barry as a mental check-in for every major financial decision. If he says “not today”, he also shows them what to do so it can happen in future. Why chasing only the cheapest rate can cost you more Barry and the Ryans discuss how big brands often flog interest rates without looking at long-term impact, and how focusing solely on “cheap” can mean missing much bigger opportunities. Teaching the kids: pocket money, savings and the ASX They share how their teenagers are now opening multiple accounts, learning about trading and thinking in five-year plans, thanks to the money conversations at home. Final reflections and gratitude The episode closes with mutual thanks: Barry appreciates having them as clients and friends, and Daniel and Vicky reflect on how far they’ve come in just six years.   About Our Guests – Daniel and Vicky Ryan Daniel and Vicky Ryan are Brisbane-based parents of three and long-term clients of SW Brokerage. When they first reached out, they were juggling young kids, a written-off car and limited financial options. Six years later, they’ve not only replaced the car but restructured their debt, purchased an investment property and built a clear long-term plan for their family. They’re passionate about being honest about money, choosing advisers they genuinely trust and passing on better financial habits to their children.   Key Takeaways Silence around money keeps people stuck. It took courage for Vicky to admit to other mums that they were seeing a broker; once she did, she discovered many were in the same boat but afraid to talk. A good broker looks at your whole story, not just one loan. Instead of simply arranging an $8,000 car loan, Barry helped them restructure their finances, upgrade to a new car and set longer-term goals that led to an investment property. Experience and trust matter more than a flashy headline rate. Daniel and Vicky’s earlier experience with a bank left key questions unasked: future children, lifestyle goals and long-term plans. An experienced broker joined the dots across home, car, SMSF and investment. The relationship doesn’t end at settlement. SW Brokerage proactively reviews their loans, negotiates with banks and calls when there’s a better deal – saving them money without them having to chase it. Having a financial team beats going it alone. With referral partners for SMSFs, accountants and planners, the Ryans now have a coordinated team around them instead of disjointed advice. Your money mindset flows to your kids. Their teens are already opening separate accounts, saving for cars and tracking the ASX – proof that better financial conversations at home can change the next generation’s trajectory.   Links & Resources Mentioned SW Brokerage – Your Partners in Finance The team supporting Daniel and Vicky’s journey, providing mortgage and finance broking services across Queensland and beyond. How to Choose the Best Mortgage Broker in Brisbane (SW Brokerage Blog) An article outlining what to look for in a broker, aligning closely with Daniel and Vicky’s focus on trust, experience and long-term support. Produced by The Podcast Boss  

In this episode, Barry sits down with Melissa and Scott Jennison to break down the key reasons why engaging a buyer's agent is crucial when purchasing property — especially in today’s fast-moving and complex market. They discuss how a buyer's agent can give you a competitive edge, save you from costly mistakes, and guide you through everything from off-market opportunities to negotiation strategies. Whether you’re a first-home buyer, seasoned investor, or looking for your next property move, this episode is packed with insights to help you make smarter, more informed decisions. Find out why Streamline have won so many awards!!  Hosted by Barry Wilkinson, Director of SW Brokerage & Streamline Property With Special Guests: Melissa & Scott Jennison produced by The Podcast Boss

In this powerful episode, I sit down with the incredibly inspiring Bonnie, a woman whose story completely redefines resilience. While our podcast usually dives deep into finance, today we explore something even more foundational to financial success—mental strength. Bonnie spent 254 days at sea, covering over 12,700 kilometers around Australia, and her journey is nothing short of extraordinary. From navigating the open water solo to staying grounded and focused through immense mental and physical challenges, Bonnie’s experience is a masterclass in endurance, mindset, and perseverance. We talk about: The parallels between finance and resilience How to mentally prepare for extreme goals What 254 days alone at sea teaches you about yourself Financial discipline and the mindset of long-term commitment Why resilience is the real key to success This isn’t just an episode about adventure—it's about what it takes to truly push past your limits, in life and in finance. Tune in for: A raw, honest, and deeply motivating conversation A reminder that strength isn’t just physical—it’s emotional, mental, and spiritual Lessons that will help you stay the course no matter what journey you're on Guest: Bonnie An adventurer, a resilient spirit, and someone who exemplifies what it means to stay the course—both in life and on the water. Produced by The podcast Boss

Recently, I had Mark Carnegie from MHC Digital on my podcast to talk all things crypto. As a finance broker with over 20 years in the game, I’ve seen how conversations around money evolve—just 4-5 years ago, crypto was taboo, something no one wanted to touch. But now? It’s changing fast. I don’t know exactly where crypto will land in the finance world, but one thing is clear—something big is coming. Mark, with his experience on Wall Street and deep understanding of digital assets, shares why he’s betting on crypto now. If you’re curious about where this space is headed, this episode is a must-listen.  Episode Description Guest: Mark Carnegie – Investor, Founder of MHC Digital Topic: The future of crypto, blockchain, and digital assets Mark Carnegie is a veteran investor with decades of experience across traditional finance and digital assets. As the founder of MHC Digital, he has a front-row seat to the evolution of crypto and its impact on global markets. In this episode, we cover: Crypto 101: The basics for anyone new to the space Where it’s going: Mark’s take on the future of digital finance The shift is happening: Why this isn’t just hype—it’s an economic revolution The world is changing fast—are you ready for it? Listen in now

In today’s episode, we sit down with Shaun Canham, a specialised finance broker at SW Brokerage, to dive deep into the world of commercial loans. Shaun, known for his meticulous attention to detail, breaks down how banks view clients when they make an application for a commercial loan. He also explains the critical framework that banks use to assess applicants—the 5 C's of Credit. Key Takeaways: The Role of a Specialised Finance BrokerShaun shares his experience as a commercial loan expert at SW Brokerage and what sets him apart from others in the industry. He highlights the importance of a personalised approach when working with clients, ensuring every aspect of their commercial loan application is handled with care and precision. How Banks View Clients When Applying for a Commercial LoanShaun provides a detailed explanation of the factors that influence how banks evaluate commercial loan applications. He discusses the key financial and personal characteristics banks look for when making lending decisions. The 5 C's of CreditCharacter: Shaun explains how a client’s reputation, credit history, and reliability factor into the bank’s decision-making process. Capacity: Understanding a client’s ability to repay the loan, including their income, cash flow, and financial history. Capital: The amount of money the client has invested in the business, and how this reflects their financial stability. Collateral: How banks assess the assets that can be used to secure the loan, reducing the bank's risk. Conditions: How market conditions, industry trends, and the specifics of the loan purpose impact the bank's decision to lend. Why the 5 C's MatterShaun breaks down why the 5 C's are crucial for banks when evaluating commercial loan applications. Each element of the 5 C's contributes to the overall risk profile of the client and their business. Understanding these factors helps clients be better prepared when approaching lenders, ultimately improving their chances of securing a commercial loan. Tips for Improving Your ApplicationShaun shares practical tips on how clients can improve their standing in each of the 5 C's. He emphasises the importance of transparency, proper documentation, and proactive financial management in making a strong case for loan approval. Conclusion: Shaun’s expert insights into how banks evaluate commercial loan applications through the lens of the 5 C's provide valuable guidance for anyone looking to secure funding for their business. With Shaun’s advice, you’ll have a clearer understanding of how to approach your commercial loan application and what factors can help you stand out in the eyes of lenders. Call to Action: If you’re considering a commercial loan or want more personalised advice on securing finance for your business, reach out to Shaun and the SW Brokerage team today! Be sure to subscribe for more expert insights on commercial finance, property investment, and other key financial topics.

In this episode, we sit down with Mick Butler, a seasoned industry expert with over 30 years of experience, to discuss essential topics related to property and finance. Mick offers valuable insights on buying and selling properties, strategies for investment properties, bridging loans, and the role of debt consolidation in managing finances. Key Takeaways: Buying and Selling PropertiesMick breaks down the complexities of buying and selling homes, providing tips for both first-time buyers and seasoned investors. He discusses current market trends and how to time property purchases and sales for the best return. Key factors to consider when navigating the buying and selling process, from understanding market conditions to leveraging finance options. Investment PropertiesMick explains the benefits of investing in property and how to approach buying investment properties. The importance of research and due diligence in selecting the right investment property for long-term growth. Common mistakes investors make and how to avoid them. Bridging LoansMick gives a comprehensive overview of bridging loans: what they are, how they work, and when they are most useful. Discusses how bridging loans can help property buyers move quickly when transitioning from one property to another. Understanding the risks and advantages of bridging loans. Debt ConsolidationDebt consolidation as a strategy for managing multiple debts and simplifying repayment. Mick explains how consolidating loans can lower monthly repayments, reduce stress, and free up financial resources. Key considerations and potential benefits for clients looking to consolidate their debts. Simplifying Complex Financial TopicsMick’s approach to making complicated financial concepts easy to understand. The importance of clear communication in financial advisory and how simplifying terms can lead to better client decisions. Conclusion: Mick Butler’s experience and ability to simplify complex financial topics make this episode a must-listen for anyone looking to navigate property investments, finance, and debt management. Whether you’re looking to buy your first home, manage an investment portfolio, or explore bridging loans, Mick’s advice can help you make well-informed, confident decisions.

The Average Age of First-Home Buyers is Rising Did you know the average first-home buyer in Australia is now 36 years old, compared to just 27 in the early 1990s? This shift has made navigating the property market more complex than ever. Special Guest: Mitch Harwood, First Home Buyer Specialist In this episode, we sit down with one of SW Brokerage’s top finance specialists, Mitch Harwood. Mitch specializes in helping first-home buyers navigate the buying process and secure the best possible deals. Whether you're saving for a deposit or trying to understand your borrowing power, Mitch explains why having an experienced broker is essential. Key Topics Covered: Why You Need a Specialist BrokerUnderstanding the ever-changing housing market. How a knowledgeable broker can save you time, stress, and money. Debt Consolidation Made SimpleTips for managing multiple debts effectively. How consolidating debts could improve your financial health and boost borrowing power. Hot Financial Tips for 2025Structuring your finances for long-term success. Smart strategies to prepare for upcoming changes in interest rates and housing affordability. Why SW Brokerage? Using SW Brokerage isn’t just about convenience—it’s about making smarter financial decisions. Our brokers know the ins and outs of the industry, so you don’t have to. Whether you’re buying your first home, consolidating debts, or looking to plan your finances for 2025, we’ve got you covered. Tune In to Learn More! If you’re thinking about buying your first home or want to get on top of your finances, this episode is packed with insights you can’t miss.

Mortgage Pressure is Growing Did you know that 40% of household income is now going toward mortgage repayments on average? That’s a huge jump compared to just 25% in the early 2000s. Yet, despite rising costs, over 40% of Aussie homeowners haven’t refinanced their loans in the past 5 years. Why Refinancing Could Save You Big Refinancing isn’t as complicated as it sounds, and the savings can be significant. The average borrower who refinances saves between $250–$500 per month simply by switching to a lower rate. Special Guest: Barry Wilkinson, Managing Director of SW Brokerage In this episode, we chat with Barry Wilkinson, our managing director, about the power of debt consolidation and how refinancing can make life easier without adding unnecessary stress. Key Topics Covered: The Benefits of Refinancing Your MortgageWhy refinancing doesn’t mean you’re locked into starting over with a 30-year term. How freeing up cash by refinancing could actually help you pay off your loan faster. Debt Consolidation ExplainedConsolidating high-interest debts like credit cards or personal loans into your home loan. Reducing financial stress and improving cash flow. Simple Steps to Save MoneyThe value of reviewing your home loan regularly. How SW Brokerage helps clients secure better rates and achieve financial goals. Why You Should Act Now With interest rates fluctuating and costs rising, now is the perfect time to review your finances. Refinancing or consolidating debt can be a game-changer—not just for saving money, but for achieving financial freedom sooner. What Sets SW Brokerage Apart? Our team specializes in tailoring solutions that work for you. We don’t just refinance loans—we help you restructure your finances for long-term success. Tune In for Expert Advice! This episode is packed with actionable tips and real-life examples to help you make smarter decisions with your money. If you’re feeling the pinch of rising mortgage costs, this one’s for you.

Join us for a deep dive into the world of refinancing with our expert guest Kristian. Discover the ins and outs of refinancing, including crucial insights into potential pitfalls and overlooked details that others might not disclose. Whether you're considering a refinance or already in the process, this episode offers indispensable knowledge to help you maximize the benefits and avoid common traps. Kristian also sheds light on the concept of Family Guarantors, a valuable strategy for assisting your children in entering the property market. Tune in to gain a comprehensive understanding of refinancing and empower yourself with the information needed to make informed financial decisions. Produced by The Podcast Boss #RefinancingMastery, #FamilyGuarantors, #PropertyMarketEntry, #KristianExpertise, #FinancialDecisions, #MaximizingBenefits, #AvoidingTraps, #RefinancingProcess, #PropertyMarket

Join us as we tap into the expertise of Shaun, a seasoned professional in the realm of commercial lending, and Mitch, our go-to expert on first home buyer schemes. Commercial lending poses unique challenges distinct from traditional home loans, especially for small businesses. Learn invaluable strategies for positioning yourself effectively when seeking funds for expansion or other commercial endeavors. For first home buyers, we've got you covered with essential tips and insights, including a breakdown of the first home buyer schemes by Mitch. Whether you're venturing into commercial lending or navigating the exciting journey of buying your first home, this episode is packed with actionable advice to help you make informed decisions and seize opportunities.   Produced By The Podcast Boss #CommercialLending, #FirstHomeBuyer, #SmallBusinessLoans, #ExpansionFunding, #HomeBuyingTips, #FinancialStrategies, #ShaunExpertise, #MitchInsights, #InformedDecisions, #SeizingOpportunities

In this episode, our seasoned finance specialists Mick & Ruth delve into the often perplexing world of loan applications for self-employed individuals. Many are unaware of what banks seek in such cases. Join us as we uncover invaluable insights, providing you with the necessary know-how to ace your loan application. From understanding lender expectations to strategizing for success, we've got you covered. Additionally, we explore the realm of investments, offering invaluable advice on purchasing investment properties and how lenders perceive such endeavours. Tune in for expert guidance on securing your financial future. Produced by The Podcast Boss #SelfEmployedLoans, #FinanceTips, #LoanApplication, #InvestmentProperties, #FinancialFuture, #LenderExpectations, #LoanStrategy, #SecuringLoans, #InvestmentAdvice, #FinancialGuidance, #MickAndRuthWisdom, #WealthyWisdomPodcast, #PropertyInvesting, #EntrepreneurFinance, #BusinessLoans

Tune in to our latest podcast episode where we dive deep into the world of Self-Managed Super Funds (SMSF) and explore the exciting possibilities of buying property within your superannuation. Join us as we bring you insights from two seasoned financial planners and an expert finance specialist who unravel the intricacies of SMSFs. Discover how you can secure your financial future and make informed decisions about property investments within your super. Don't miss out on this invaluable conversation that can potentially reshape your retirement strategy. Listen now and unlock the secrets to property investment with SMSFs! Produced By The Podcast Boss

This episode talks about Refinance has so many attractive benefits but there is also hidden factors people don't consider when thinking about this, it's important to look beyond at times to just the interest rate. If you were to refinance I'd suggest you think about holistically is the right benefit for me. If cash flow is your main challenge what plans do you have to put in place so it doesn't happen again and also how do you get back on track when it comes to paying the loan back in a quicker time frame. 

In this episode I interviewed David Shillington, Many of you know him as a former Australian former professional rugby league footballer who last played for the Gold Coast Titans in the National Rugby League. A Queensland State of Origin and Australian international representative prop forward, he previously played for the Sydney Roosters and Canberra Raiders.  David is now CEO of Wellbeing Code where he works to normalise conversations around mental health. He teaches how to re-frame mental health to treat it as a skill set can be trained, just like we train our physical health in order to feel and perform our best.  We speak about the mental challenges he faces being a professional athlete and how he managed money/mental health and how the image of playing professional sport has its challenges. 

This podcast episode is with James Whittaker who's a Keynote Speaker, Author, Podcast Host, Film Producer, Entrepreneur and Coach James teaches all about "Winning the day”.  James (who has a financial background)  breaks down where and why people aren't “winning the day” in all areas of their lives. We speak about the financial world and why people find themselves in the position they are now.  James has spoken to some leading business entrepreneurs around the world (including  skateboarding star Rob Dyrdek, public speaker Emily Fletcher, Australian weightlifter and Crossfit Games winner Tia-Clari Toomey) and talks about the behaviour these people all share and why they are a success.   James Whittaker was born in Australia and currently lives in Los Angeles, California. After a successful 10-year career in financial planning (where he ran a company with more than $2 billion under management) James began his own entrepreneurial journey. Today, he draws on his diverse experience to help people reach their potential in all areas of their lives .  He is the author of bestselling personal finance and motivation book The Beginner’s Guide to Wealth, named book of the month by Money Magazine. His second book Think and Grow Rich: The Legacy was released in 2018 and has been translated into six languages. It also serves as the official companion to the multimillion-dollar film based on Napoleon Hill’s timeless classic. (James is a proud co-executive producer of the film.)

Getting started on building your share portfolio with stock broker Kristofer Ridgeway. Kristofer Ridgway from Shaw and Partners joins us to explain the opportunities presented by investing in shares, and how stock brokers work. Put in simple terms Kris explains the common mistakes people make,  where he sees the market going and the simple steps you can take to set up an account.  While stocks are just one of many possible ways you can invest your hard-earned money, the reason many savvy investors choose stocks is that they often provide high returns.   Learn more about this investment opportunity in this episode.

Taking some time to speak to a mortgage broker could help save you thousands of dollars off your home loan. As little as a 5 minute call could help you save and get you to your financial goals a little bit quicker. In today's episode I talk with Trevor Bryce and Ruth Stewart (between us we have a combined 40 years lending experience) and we look at what makes certain mortgage brokers different, why it's important to invest some time in choosing the correct broker when buying or refinancing your loan, and how a broker can save you time, money and energy.

People tend to think Financial Planning is only needed for retired people, people with money, or those with insurance needs. In this episode I talk with  Aaron Steer from Statewide Wealth Group who breaks down why it's important to see a financial planner and the myths associated with working with financial planners. We also chat through who needs a financial planner...and why. No matter your stage of life, or how much money you have, it's valuable to speak with a professional to look at your current situation, and to find out what you can, can't or should be doing. Aaron makes it really simple and breaks it down into manageable steps.

In this episode I speak to Michael Shekell from Build a Broker (https://www.builderbrokers.com.au/team/) about the common mistakes people make when looking to build and renovate, Michael has over 20 years' experience in the industry when it comes to renovating and building a new house. We talk about some common problems that can occur when building a home or renovating and how to avoid them. Michael gets straight to the point about areas to remember and the things you need to consider before the building starts.

Selling a house can be difficult and stressful you choose to sell privately, people may think that you have something to hide.  By using a real estate agent, you instantly gain an air of professionalism and credibility. Another benefit of using a licensed real estate agent is that they can help in matters of negotiation.  Choosing a real estate agent can be a challenging one also, this episode we hear from Damien Misso who's been in the industry since 2004. Damien provides some great tips and his genuine tips are worthwhile a liste.

Marketing their product or service is a challenge facing many business owners, but it's vital to the financial success of any business. If you have limited time and budgets (as many businesses do)...where do you start? In this interview with Kym O'Gorman from Kym O'Gorman Marketing Solutions, we break down some of the common mistakes when it comes to marketing, some of the biggest opportunities plus the simple steps businesses can take to move your business forward...even if you're just starting out. 

A credit report is a compilation of information detailing how you live up to your financial commitments. Why is it important? This report will give any financier an indication on whether they should lend you funds based on your past behaviour. A tarnished credit file might stop the application or might require you to jump some hurdles to get this repaired before finance will be granted. An impaired credit file can stop you from getting a job or renting a place to live or obtaining utilities services. It’s arguably the most important financial document in an adult's financial life. In this episode Barry Wilkinson discusses the importance of a credit file, and steps you can take right now to make sure yours is protected during challenging times.

We know a lot of people might think budgeting is tedious (and we can almost hear the eye rolling from here) but given the current events, it has become a priority for everyone. Now more than ever we really need to understand where our money is going. Here are some budgeting tips you might find helpful.

This episode offers small business survival tips from Phil Di Bella, former owner/Founder of Di Bella Coffee. Are you a business owner not knowing what to do or where to turn? Why not listen in to get some handy tips from Phil. As an entrepreneur who has been in business for a long time and has survived turbulent times himself, he has great tips on where to focus and what shouldn't be overlooked.

Today we share some tips and information about the Mortgage Relief Packages being offered by the big banks. We look at the packages on offer, and some options you may have to avoid deferring payments, so that you’re better off in the long run.