TAKE CONTROL OF THE MONEY YOU ALREADY HAVE
About
The beginning
I started my career in Australia as a freelance musician and research student, living week to week without much grasp of my financial wellbeing. I spent 4 years paying minimum interest repayments on a maxed out credit card and going on holidays I couldn’t afford. As a primarily self-employed professional, I also had to manage my own tax and pension contributions, which in addition to saving and planning for the future, often left me feeling lost and overwhelmed.
Fast forward a few years, I met my now wife. Together, we spent a lot of time reflecting on our personal and shared goals; financial and otherwise. We laid everything on the table: buying property, going on holidays, getting a pet, shopping for clothes, eating out - you name it.
Since then, we’ve experienced a lot of growth. We’ve bought and sold two properties, paid off car loans, managed multiple credit cards, jumped into investing, and most recently, made the leap of relocating from Australia to England!
But none of this came without its fair share of hard lessons, which eventually inspired me to create The Intentional Wallet. I've always loved sharing knowledge and thinking strategically. From my early days as a struggling musician to now living a balanced and financially secure life, I want to share what I’ve learned to help others feel more confident and in control of their finances, too.
What We Believe
Goal setting is key
Financial goal setting guides your approach to how you spend your money. These goals determine everything else; how much you spend each week, what you save, how you save it. Goals give direction.
Budgets should not be punishments
Fad budgets are like fad diets: unrealistic and not sustainable. A good budget aligns with your short and long term goals, and fit within your lifestyle.
Spend money to save money
The cheapest option isn't always the most financially savvy option. Spending money now to save down the track can often leave you better off in the long run.
Credit cards can be GOOD
(if used properly)
Too many people tell me that they are scared of credit cards because they are expensive and lead to higher spending. This does not have to be the case! A credit card used well is one of the most effective ways to unlock additional benefits from money you would spend anyway.
A holistic approach to household income
This one is for the couples. Money in or money out; we're a firm believer that a holistic and whole-of-household view is a great option when it comes to income. This looks like combined accounts, shared goals, and regular check ins about money.
Discretionary spending
... is perfectly fine! Even on a budget! It all comes down to what your goals are and how you can make that fit within your overall financial position.