Mel Forester

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Through money mindset coaching, practical tools, and ongoing support, I help you move from stressed and stuck to confident and in control of your financial future | Founder of Money Maven https://linktr.ee/mel.forester

June 1 is here.A new month is a fresh opportunity to give your money a job before life gives it one for you.One reason m...
01/06/2026

June 1 is here.

A new month is a fresh opportunity to give your money a job before life gives it one for you.

One reason many people feel "bad with money" is because they treat every expense the same.
But not all expenses are emergencies.
A lot of financial stress actually comes from expected expenses that people didn't prepare for.

Then suddenly:
❌ Christmas is coming and it becomes stressful
❌ Vacation turns into debt
❌ Car repairs ruin the monthly budget
❌ Annual bills feel like emergencies

This is where Sinking Funds can help.

A sinking fund is money you slowly save ahead of time for things you already know will happen in the future.

Instead of panicking when the expense arrives, you're already prepared.
Your Emergency Fund, on the other hand, is for the things you DIDN'T see coming:
🚑 Medical emergencies
💼 Losing a job
🚗 Unexpected accidents
🌪️ Major emergencies

When you separate these two, your finances become more organized and less emotionally draining.

You stop constantly "starting over" every month because your money already has a purpose before the expense even happens.

As we begin June, take a few minutes to ask yourself:
What expenses do I already know are coming in the next 3 to 12 months?
That simple question can completely change how you manage your money.
Financial wellness is not just about earning more.

It's about preparing smarter. 💡

Want to learn simple money habits that actually work in real life?

Comment COMMUNITY below and I'll send you the link to join my free community.

29/05/2026

The uncomfortable truth about my content creation journey…

I’m actually not comfortable in front of the camera.

Especially coming from my generation where we were taught to stay private, not share too much online, and definitely not talk about personal things in public. So every time I press record, there’s still a part of me that feels awkward.

There were so many moments I almost didn’t post.
Because I was overthinking my voice, my face, how I speak, or what people might say.

And now… here I am doing my first podcast guesting this year.

Honestly, this is very new to me.

Sitting in front of microphones, sharing my story, life, and experiences in a deeper way felt uncomfortable at first. But I realised something…

Growth will always feel unfamiliar before it feels natural.

A lot of people think confidence comes first before you take action.
But for me, confidence came after showing up again and again even while feeling nervous.

That’s what I want people to remember:
You do not need to feel 100% ready before trying something new.

Sometimes the next version of you is waiting on the other side of the uncomfortable things you keep avoiding.

And maybe your voice, your story, or your experience is exactly what someone else needs to hear today.

Comment “Podcast” for the full video 🎙️

How do you feel when others succeed?Celebrating their wins without jealousy keeps you in the flow of abundance. Their su...
28/05/2026

How do you feel when others succeed?

Celebrating their wins without jealousy keeps you in the flow of abundance.

Their success doesn’t take away from yours.

How do you celebrate wins?

There was a time when the belief around money was:“Money is evil.”And for many people, that belief still quietly affects...
27/05/2026

There was a time when the belief around money was:
“Money is evil.”

And for many people, that belief still quietly affects the way they save, spend, earn, and even dream.

But healing your relationship with money changes more than just your bank account.

It can improve your mental health.
Your relationships.
Your confidence.
Your ability to finally experience the life you’ve been holding back from.

Financial wellbeing is not just about numbers.
It’s about unpacking the stories, fears, and patterns you’ve carried for years.

Sometimes the biggest breakthrough is realizing that money was never the enemy.
The real challenge was the mindset and beliefs attached to it.

Reading stories like this reminds me why I do what I do as a Financial Wellbeing Coach. Watching someone shift from scarcity and fear into abundance and possibility is powerful.

You deserve to feel safe, confident, and at peace with money too.

If you’re ready to start changing your money mindset and create healthier financial habits, join my free community and start your journey with people who truly understand. Comment “READY” and I’ll send you the link.

We live in a world that often measures people by productivity, job titles, income, or how “busy” they are.But your worth...
25/05/2026

We live in a world that often measures people by productivity, job titles, income, or how “busy” they are.

But your worth is not supposed to depend entirely on your career.

As a Financial Wellbeing Coach, I’ve seen how dangerous it can become when people tie their identity, validation, and purpose only to work. It creates pressure to constantly perform, overwork, and prove yourself just to feel valuable.

And when work becomes unstable, stressful, or overwhelming, people often feel lost because their entire self-worth was attached to their career.

Yes, work is important.
Yes, financial stability matters.
But your life should still have value outside of productivity.

Financial wellbeing is not only about earning money. It’s also about creating a healthier relationship with yourself, your time, your goals, and your identity.

You are still worthy on your rest days.
You are still valuable during slow seasons.
You are still enough even when you are figuring things out.

If you want more conversations about money, mindset, financial wellness, and building healthier habits, join my free community 💛

Comment “COMMUNITY” and I’ll send you the details.

21/05/2026

These 9 signs that your financial habits may need support, guidance, or a reset.

Here’s what they can actually mean:

1. “Money scares you”
If checking your bank account gives you anxiety, or you avoid talking about money completely, it usually means money has become emotionally stressful for you.

2. “Life just shifted”
Sometimes your old money habits no longer match your new season of life.

3. “You can’t seem to save”
This doesn’t always mean you’re irresponsible. Saving becomes difficult when there’s no clear plan, no financial boundaries, or when every dollar already has somewhere to go.

4. “You shop to cope”
Emotional spending is more common than people think. The problem is the relief usually doesn’t last.

5. “You’re drowning in debt”
Debt becomes dangerous when payments start controlling your decisions, your peace of mind, or your future plans. Many people stay stuck because they feel ashamed, so they avoid facing the numbers altogether.

6. “No budget sticks”
A budget that feels too strict or unrealistic usually fails. Financial planning should support your real lifestyle, not punish you.

7. “Your goals feel out of reach”
Whether it’s traveling, buying a house, building emergency savings, or investing — goals feel impossible when there’s no roadmap. Many people have dreams, but no strategy to make them achievable step by step.

8. “Your income is all over the place”
Freelancers, business owners, commission-based workers, and even some employees experience irregular income. Managing variable income requires a different approach.

9. “You have no one to talk to”
A lot of people silently struggle with money because they’re embarrassed, afraid of judgment, or simply never learned how to discuss finances openly. Sometimes what people really need is a safe space to ask questions and be guided without shame.

If you saw yourself in even ONE of these signs… this is your reminder that you don’t have to figure it all out alone.

That’s exactly why I created Money Maven Membership.

Message me “MONEY MAVEN” if you want to know more about the membership.

Think small contributions don’t matter? Think again.Topping up your super, even with small amounts, can grow into a much...
21/05/2026

Think small contributions don’t matter? Think again.

Topping up your super, even with small amounts, can grow into a much bigger retirement balance over time and may even reduce your tax.

Plus you may also be eligible for extra contributions from the government.

I bought this car when I was 16 years old.Then at 18, I finally got my full licence which meant I could go anywhere, any...
20/05/2026

I bought this car when I was 16 years old.

Then at 18, I finally got my full licence which meant I could go anywhere, anytime, by myself. And honestly, at that age, that felt like freedom.

Later on, in my early 20s, I bought my first house. 🏡

Looking back now as a Financial Wellbeing Coach, I realized those milestones taught me so much about money, independence, and life.

Here are the top things I learned:

1. Financial goals are personal.
At 16, my goal was a car. In my early 20s, it became a house. Your goals will evolve as you grow — and that’s normal.

2. Independence comes with responsibility.
Having a car gave me freedom, but it also came with fuel, maintenance, registration, insurance, and unexpected expenses. Sometimes people only think about the purchase price, not the lifestyle that follows.

3. Just because you can buy something doesn’t mean you’re ready for the full financial commitment.
This is something I now teach often in financial wellbeing conversations.

4. Experiences shape your priorities.
As I started traveling more and visiting different countries, I realized my relationship with money was changing too. I started valuing experiences, flexibility, and peace of mind differently.

5. Comparison can pressure people into financial decisions.
A lot of people feel rushed to buy a car, a house, the latest phone, or certain things because “everyone else is doing it.” But financial wellbeing is not about keeping up. It’s about alignment.

6. Money should support your life — not control it.
Whether it’s a car, travel, or a home, the goal is not just to own things. The goal is to build a life that genuinely feels meaningful to you.

Looking back, I’m grateful for every season — because each one taught me something different about money and about myself.

Ever told yourself…“I’m just bad with money.”I hear this ALL the time.And honestly? That’s not the real problem.Because ...
15/05/2026

Ever told yourself…
“I’m just bad with money.”

I hear this ALL the time.
And honestly? That’s not the real problem.

Because being “bad with money” is usually just the surface.

What’s really happening underneath is this:

• You avoid looking at your numbers because it feels overwhelming
• You make decisions based on guilt, not clarity
• You tell yourself stories like “I’ll never be good at this anyway”
• You try to follow strict rules… then feel like you failed when life happens

So you go back to the same cycle.

But here’s the truth most people don’t realize…

👉 It’s not a discipline problem
👉 It’s not a math problem

It’s a clarity and mindset problem.

When you understand your money, your priorities, and what actually works for YOUR life…

Everything starts to feel lighter.
More doable.
More aligned.

You don’t need to be “good” at money.
You just need to understand how it works for you.

And sometimes…
what you actually need isn’t more tips,
it’s the right kind of support.

If you want to explore that, you can book a session with me here:
https://calendly.com/financial-wellbeing-coach
https://calendly.com/financial-wellbeing-coach
https://calendly.com/financial-wellbeing-coach

When I didn’t know where to start, I discovered index funds.They’re low-cost, gave me exposure to hundreds of companies,...
14/05/2026

When I didn’t know where to start, I discovered index funds.

They’re low-cost, gave me exposure to hundreds of companies, and required minimal effort.

Set, forget, and let them do the heavy lifting.

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Melbourne, VIC

Website

https://linktr.ee/mel.forester

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