Show Notes
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.
More from Uncensored Money
Nobody in finance talks about this. How trauma responses — freeze, flight, fight, fawn — show up in your financial decisions. And what they're actually costing you. In this episode I share something personal: I have PTSD from experiences in my teenage years. And for a long time I didn't connect that to my finances. Looking back — it was there in everything. This episode covers: — What a trauma response actually is (and why it's not what most people think) — How freeze, flight, fight and fawn show up specifically in financial behaviour — The fawn response — the one that costs women the most and gets talked about the least — Three practical financial steps to take alongside therapy — Why you cannot separate your nervous system from your bank account If you're working through difficult experiences, please reach out to a qualified therapist. — 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. For more tips and resources, visit us at melissabrowne.com.au, on Facebook or Instagram @MelBrowne.Money or send us an email at [email protected].
You know the ick. That tiny thing someone does that you just can't unsee. Turns out money has them too.
Content warning: This episode discusses financial abuse, coercive control, and intimate partner violence. Support services are listed at the end of these notes, including 1800RESPECT on 1800 737 732. If anything in this episode is distressing, please reach out.
After more than a decade, 6,000+ women and many of their partners, and more financial transformations than we can count, Mel is closing the My Financial Adulting Plan. For good. Yes, she's closing rather than selling her continuing her 7 figure business. You might think she's crazy (she does a little too, that's OK.) But in this episode, Lawsie turns the microphone around and asks Mel the questions everyone has been too polite to ask. Why? What did it cost her personally to keep going? Was there a moment she almost changed her mind? And what does she hope the 6,000+ women who've been through MFAP actually walk away with? This is an honest, unscripted conversation between two people who built something together and are figuring out in real time what it means to close it. No sales script. No polished answers. Just Mel and Lawsie the way you love them. If MFAP has ever been on your radar, there are two rounds left. This conversation is the best reason to stop waiting. You can check out MFAP here: https://www.melissabrowne.com.au/financialadulting 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].
Last night's Federal Budget made a splash — but did it go far enough? In this episode, Mel gives you her unfiltered take on the 2026/27 Budget and walks you through exactly what's changing, who's affected, and what (if anything) you actually need to do about it.