Your Finance Lounge

Your Finance Lounge

Welcome to Your Finance Lounge, a place to learn, understand your money and work out what comes next. Hosted by finance broker and educator Teressa Fisk, we make finance easier to understand through practical conversations about everyday money, property, lending, business finance, credit, budgeting and more. With 20+ years in finance, banking and business, Teressa and her guests share knowledge to help you build financial confidence. Learn. Understand. Build confidence. General information only. Please consider your individual circumstances.

  1. 3d ago

    Ep 27. When Things Are Getting Financially Tight: What Can You Do?

    When Things Are Getting Financially Tight: What Can You Do? Are you noticing there's not quite as much money left over each payday? Maybe your groceries are costing more, insurance premiums have increased, or those everyday expenses are starting to add up. Sometimes it's not one big expense — it's lots of little things that gradually put pressure on our finances. In this episode of Your Finance Lounge, we're talking about practical steps you can take when money starts feeling tight, without making life completely miserable! We'll cover: 💰 Understanding where your money is going 📋 Reviewing bills, insurance and existing expenses 🛒 Making small changes to everyday spending habits 🏦 Building a financial buffer, even if you start small 💳 What to do if debt repayments are becoming difficult 🎯 Adjusting your financial goals when circumstances change I'll also share a little about how Your Finance Lounge is growing, including our free downloadable resources, educational courses, YouTube channel and my recently published book, Life Costs Money – Now What? Because financial education shouldn't be complicated, and sometimes knowing where to start can make all the difference. Explore the Lounge and free resources: https://www.yourfinancelounge.com.au Learn about Life Costs Money – Now What?: https://www.yourfinancelounge.com.au/life-costs-money Additional free Australian resources: National Debt Helpline — Free, confidential financial counselling https://ndh.org.au Phone: 1800 007 007 Moneysmart — Budgeting tools, money guidance and financial education https://moneysmart.gov.au Remember, there are no silly money questions here. 💚 General information only. This episode does not take into account your personal objectives, financial situation or needs. Consider seeking appropriate professional advice for your circumstances.

  2. Oct 6

    EP 26. Money Questions You're Too Scared To Ask

    Have you ever heard a finance term, nodded along… and then quietly Googled it later because you felt like you should already know what it meant? You’re not alone. In this episode of Your Finance Lounge, Teressa answers some of those money questions we often feel like we shouldknow — but nobody has ever really explained. From interest rates, mortgages and equity to credit card limits, pre-approvals, offset accounts, redraw and compound interest, we’re breaking down common finance terms in simple, everyday language. Because understanding money shouldn’t require a finance degree — and there really are no silly money questions. If you’ve ever had a money question you were too embarrassed to ask, this episode is for you. In this episode: • What actually is interest? • Interest rate vs comparison rate • What is a mortgage? • What does equity really mean? • Why does an unused credit card affect borrowing capacity? • Why can you afford the rent but not qualify for the same mortgage repayment? • Does pre-approval mean you’re approved? • Offset vs redraw • Is all debt bad? • What is compound interest? Have a money question you’ve been too scared to ask? Send it through — it might be included in a future episode of Your Finance Lounge. General information only. This content does not take into account your personal objectives, financial situation or needs.

  3. Sep 22

    EP 25. Where Does Your Money Actually Go? A Simple Money Check-In

    Ever looked at your bank account and wondered, where did all my money actually go? You're definitely not alone. In this episode of Your Finance Lounge, we're taking things back to basics with a simple money check-in. Not a restrictive budget, not cutting out everything you enjoy, and definitely no guilt about what you've spent. Instead, we're looking at how to get a clearer picture of what's coming in, what's going out, and the spending patterns you might not even realise are there. We chat about: ✔️ Why it's so easy to become disconnected from our spending ✔️ Looking at fixed, flexible and irregular expenses ✔️ The one question to ask when reviewing your spending: What surprised me? ✔️ Looking for patterns rather than judging individual purchases ✔️ Why realistic savings goals matter ✔️ Choosing one or two changes instead of trying to overhaul everything ✔️ Creating a simple 10-minute money check-in habit Because financial confidence doesn't come from having the perfect budget. Sometimes it simply starts with understanding where you are. 🌿 Want to do your own money check-in? Head over to Your Finance Lounge and download our Money Reset handout, designed to help you take stock of your finances and work out what you might want to focus on next. You'll also find our free tools, resources and courses to help you keep building your financial confidence. Explore Your Finance Lounge Need something a little more personalised? Our Finance Consults are available for people who want to sit down and talk through their individual position, options and next steps. You can find out more or book through the Your Finance Lounge website. Learn. Understand. Build confidence. And work out what's next. The information discussed in this podcast is general in nature and does not take into account your individual circumstances. Please consider your own circumstances and seek appropriate advice where required.

  4. Sep 2

    Ep 24: Business Finance – More Options Than You Might Think

    If you run a business, there may come a time when you need access to finance — but that doesn't necessarily mean something is going wrong. Sometimes finance is about growth. Sometimes it's about managing cash flow, purchasing equipment, buying your own premises or simply keeping more cash available within the business. In this episode of Your Finance Lounge, Teressa breaks down business finance in simple terms and looks at some of the different options that may be available to Australian business owners. We cover: Why profitable businesses may still use financeVehicle and equipment financeWorking capital and cash-flow solutionsPurchasing commercial propertyFunding business growth or expansionWhether you need to own property to access business financeWhat it means if your bank has already said noWhy different lenders can assess the same business differentlyWhat to have ready before speaking to a brokerAnd importantly, you don't need to know exactly what type of loan you need before asking for help. Sometimes the best place to start is simply: “This is what I'm trying to achieve. What are my options?” If you've been thinking about investing in your business, purchasing an asset, managing cash flow or taking advantage of a new opportunity, this episode is a great place to start. Your Finance Lounge — finance made simple. Learn. Grow. Build. General information only. This podcast does not take into account your individual objectives, financial situation or needs. Lending criteria, rates, fees and eligibility requirements vary between lenders and products.

  5. Jun 17

    Ep 23: The Money Lessons We Were Never Taught at School

    The money lessons we were never taught at school. From budgeting and credit scores to understanding debt and building better financial habits, this episode explores the financial foundations many of us never had the chance to learn. After more than 20 years in finance, I share the key lessons I believe everyone should know to build confidence and take control of their financial future. Because financial confidence isn’t about knowing everything — it’s about being willing to learn. 🎧 Listen now and start building your money confidence. Check out Yourfinancelounge.com.au for our free courses and resources.

  6. May 12

    Ep22. How to Stay Financially Confident in an Uncertain Market

    Financial confidence isn’t about having all the answers. It’s about understanding your position, knowing your options, and making decisions from a calm place instead of fear. With so much uncertainty around interest rates, cost of living, and the market right now, I wanted to create an episode that feels grounding, practical, and real. In this week’s podcast episode, we chat about: ✔️ Staying financially confident in uncertain times ✔️ Why comparison can damage your money mindset ✔️ The power of small financial check-ins ✔️ Focusing on what you can actually control 🎧 Listen now on the Your Finance Lounge podcast.

  7. Jan 22

    E21. Setting Your Finances Up for the Year Ahead

    Starting the year with your finances doesn’t need to feel overwhelming. In this episode of Your Finance Lounge, Teressa shares a calm and practical reset to help you approach your money with more clarity and confidence. We cover three simple financial foundations worth revisiting, a brief and grounded market update, and how preparation — not perfection — leads to better outcomes. You’ll also hear how Your Finance Lounge can support you through education, resources, and finance consultations, plus what’s coming this year across workshops, courses, and future podcast episodes. If you’re looking for a clear, no-jargon way to reset your finances and feel more in control this year, this episode is a great place to start. Key Takeaways ✔ Clarity beats avoidance when it comes to money✔ Flexibility matters more than perfection✔ The right structure can make a long-term difference✔ Preparation creates confidence Explore free guides, courses, and finance support at:👉 yourfinancelounge.com.au  If you’d like help reviewing your current loan or planning your next step, you can also book a finance consultation through the website. If you enjoyed this episode: Follow or subscribe to Your Finance Lounge Share it with someone who might benefit Send through topic suggestions for future episodes Helpful ResourcesStay Connected

  8. 10/16/2025

    E20. How to Reduce the Interest You Pay on Your Home Loan

    Ever wondered how to cut years off your mortgage and save thousands in interest? In this episode, Teressa breaks down the practical steps you can take to reduce the total cost of your loan, without drastically changing your lifestyle. From making the most of your offset account and redraw facility to adjusting your repayment frequency and scheduling regular loan reviews, these simple strategies can make a huge difference over time. Whether you’re just starting out or already a few years into your home loan, this episode will give you clear, easy to action tips to help you get ahead financially, and own your home sooner. ✨ Tune in and learn how small changes can lead to big savings. If you would like to have your loan reviewed reach out to us at yourfinancebroker.co

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About

Welcome to Your Finance Lounge, a place to learn, understand your money and work out what comes next. Hosted by finance broker and educator Teressa Fisk, we make finance easier to understand through practical conversations about everyday money, property, lending, business finance, credit, budgeting and more. With 20+ years in finance, banking and business, Teressa and her guests share knowledge to help you build financial confidence. Learn. Understand. Build confidence. General information only. Please consider your individual circumstances.

Information

  • Creator
    Your Finance Lounge
  • Years Active
    2024 - 2026
  • Episodes
    27
  • Rating
    Clean
  • Copyright
    © Your Finance Lounge
  • Show Website
    Your Finance Lounge

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