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EOFY: more than sale, financial independence

por Claudia Jardim Rondon

Hey Gorgeous!

The End of Financial Year (EOFY) in Australia is just around the corner (June 30th!), and while it might sound a bit dry, trust us, it's actually your golden ticket to feeling totally in control and fabulous about your money! Think of it as your annual financial check-up – a chance to make sure your money is working for you, so you can focus on living your best life, feeling confident from the inside out. 😉

So, let's dive into why EOFY isn't just for accountants, and how you can use it to boost your financial well-being!

What's EOFY Anyway, and Why Should YOU Care?

Simply put, the End of Financial Year in Australia is June 30th. It's the official closing date for the tax year. For you, it's a fantastic opportunity to:

  • Get Your Tax Refund Ready: Gather your receipts, check your deductions, and make sure you're getting back every dollar you're owed! Think new undies, a weekend getaway, or boosting your savings!

  • Review Your Spending: Look back at where your money went over the past year. Are there any sneaky subscriptions you forgot about? Areas where you could save a little more? It's like decluttering your financial closet!

  • Set New Money Goals: Want to save for a big trip? Pay off some debt? Start investing? EOFY is the perfect time to set clear, actionable financial goals for the next 12 months.

Quick & Easy EOFY Tips for Your Wallet!

  1. Gather Your Docs: Collect all your income statements, receipts for work-related expenses, donation receipts, and health insurance summaries. Having everything organised makes tax time a breeze!

  2. Maximise Deductions: Did you work from home? Buy new work clothes (that are uniform or protective)? Pay for professional development? Look into what you can claim. Every little bit helps! (Always check with the ATO or a tax professional for what applies to your specific situation – this is general info, not financial advice! 😉)

  3. Top Up Super (If You Can!): If you're looking to boost your retirement savings and potentially reduce your taxable income, consider making a voluntary contribution to your superannuation before June 30th. Future you will thank you!

  4. Review Your Debts: If you have credit card debt or other loans, EOFY is a great time to strategise how to tackle them. High-interest debt can eat away at your financial freedom.

Your Financial Glow-Up Reading List! 📚✨

Ready to get inspired and take your money game to the next level? These books are packed with wisdom, whether you're just starting out or looking to grow your wealth!

2 Must-Read Personal Finance Gems (for Everyone!):

  1. "The Barefoot Investor: The Only Money Guide You'll Ever Need" by Scott Pape: This Australian bestseller is a game-changer! Scott Pape breaks down personal finance into super simple, actionable steps. It's all about setting up your money in a way that feels effortless, with clear buckets for spending, saving, and investing. It's practical, relatable, and genuinely empowering.

  2. "Rich Dad Poor Dad" by Robert Kiyosaki: This classic challenges your entire perspective on money. It teaches the difference between assets and liabilities and encourages you to think like an investor, not just an employee. It's a fantastic read for shifting your mindset towards building wealth and understanding financial literacy.

3 Power Picks by Women (for Independence & Growth!):

These incredible authors empower women to take charge of their financial destinies, whether single or in a relationship. Because true independence starts with financial strength!

  1. "Financial Feminist: Overcome Your Fear and Rewrite Your Money Story" by Tori Dunlap: Tori is a force! This book is a battle cry for women to get financially savvy. She tackles everything from salary negotiation to investing, all while addressing the unique challenges women face in the financial world. It's empowering, actionable, and encourages you to build wealth on your own terms.

  2. "Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence" by Vicki Robin: A foundational text for financial independence! Vicki Robin guides you through a powerful nine-step process to understand your true relationship with money, reduce consumption, and achieve financial freedom. It's about aligning your spending with your values and creating a life of purpose.

  3. "Get Good with Money: Ten Simple Steps to Becoming Financially Whole" by Tiffany Aliche (The Budgetnista): Tiffany's approach is all about making money management accessible and holistic. She provides a clear, step-by-step framework to get your finances in order, from budgeting to building wealth. Her focus on financial "wholeness" is incredibly empowering, helping you feel secure and confident, which is a fantastic foundation for any relationship, allowing both partners to grow financially stronger together.

Meet the Money Maestros: Top Personal Finance Journalists! ✍️

Want to keep up with the latest financial news and advice? Here are some brilliant minds who make money talk engaging and easy to understand:

  1. Scott Pape (Australia): Beyond his book, "The Barefoot Investor," Scott is a highly influential financial commentator in Australia, known for his no-nonsense, practical advice.

  2. Jessica Irvine (Australia): A respected economics writer and columnist for The Sydney Morning Herald and The Age, Jessica often writes about personal finance with a relatable and insightful perspective.

  3. Nathalia Arcuri (Brazil): The creator of "Me Poupe!", Nathalia is a massive phenomenon in Brazil, making personal finance accessible and fun for millions through her books, videos, and online content.

  4. Hélène Favier (France): A journalist at Les Échos, a leading French financial newspaper, Hélène provides expert insights on personal finance, savings, and investments.

  5. Pierre-Yves McSween (Canada - Quebec): A popular and often provocative financial columnist and radio host from Quebec, known for his direct and humorous take on personal finance issues.

So, there you have it! EOFY doesn't have to be a headache. It's an opportunity to take charge, learn, and set yourself up for a financially fabulous future. Go on, give your finances a little love – you deserve to feel amazing, inside and out! 😉💖

Noting that: our Sales is on until 30th of June.

(This articule has been written and reviewed by Claudia Rondon with the assistance of AI) 

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