Money School

Money School We help parents teach their children about money without boring them. We help adults build their o

If you’ve ever lamented not knowing how to manage or invest your money, good news - it’s never too late to start. Our online course will show you all the skills you need to build and follow your own personal financial plan so you can reach financial independence well before the official retirement age. For the parents out there, we also show you how to teach your kids about money so they can start off life on the right financial foot. We are independent from the banking and financial services industries. We do not recommend specific financial strategies or products, and we don’t take kick-backs or commissions. When you join Money School, you’re getting education, and education only - pure, simple and powerful.

Does hosting dinner parties for your friends feel more like a financial burden than a fun get-together? Lacey has some g...
10/09/2026

Does hosting dinner parties for your friends feel more like a financial burden than a fun get-together? Lacey has some great budget advice for you.

In this article, Lacey offers her expert advice on how to host without going broke.

🔗 Read the full article for Lacey's tips on how to enjoy entertaining without the financial stress. https://bit.ly/4mmJ6J5

Q. Should I pay off my HECS debt or contribute more to my retirement fund?A. HECS is the nicest loan you'll ever have. I...
09/09/2026

Q. Should I pay off my HECS debt or contribute more to my retirement fund?

A. HECS is the nicest loan you'll ever have. It's paid off automatically when you instruct your employer to do so, and will be managed automatically depending on your wage. It's indexed to inflation, so it's probably the kindest interest rate you'll ever find.

On average, the amount you'll earn on superannuation will outstrip the indexing applied to your HECS, so the net benefit is usually higher if you choose super over HECS.

That said, this is a 'sleep well' decision too: if you'll sleep better knowing you've cleared your HECS debt versus putting aside more money for , by all means start there instead.

Here's a great article from Ellie Honeybone at the ABC about : https://ab.co/4dzQL6i

*** This question came up in the most recent seminar. It's the fourth time Lacey has delivered the 'Securing your financial future' session for Future Women and, as always, the participant questions were fabulous! Thanks to all who attended.

If I had a dollar for every time I heard a coach blame the lack of money in someone’s life on their failure to ‘manifest...
08/09/2026

If I had a dollar for every time I heard a coach blame the lack of money in someone’s life on their failure to ‘manifest wealth through an abundance mindset’, I’d be joining Gina Rinehart in complaining about insufficient places to park my superyacht.

Just kidding.
..I’d probably just buy more shares with that extra cash, not a yacht.

And yes, seriously - Gina’s plea regarding the 2032 Brisbane Olympics developments was needing better mooring options for superyachts that are too big for the existing facilities. Ah, the trials and tribulations that woman faces! I don’t know how she does it.

[Cue world’s smallest violin].

I digress. Back to the point:

If you have an abundance mindset, yay for you! Manifest away, with my blessing.

…but if you don’t have an abundance mindset and you’re struggling to get yourself into one, please don’t think it precludes you from financial independence, and don’t waste time mentally berating yourself.

Get busy elsewhere instead.

While I consider myself optimistic - even opportunistic at times - abundance as a general concept for accumulating wealth just doesn’t *do it* for me. Neither does manifesting, really. They seem too woo-woo for my maths and science inclined brain.

I mean, I do get the theory - whatever your brain focuses on, it tends to find. Telling your brain to look for money is probably not going to hurt.

But if it’s not a natural fit for you, don’t push the proverbial up an inclined slope.

Because both abundance and limits are true. Money is so plentiful as to seem infinitely available AND finite in its supply by its very definition at the same time.

You get to pick whichever perspective you prefer.

I reckon it’s more effective to work with what you’ve got.

For example, in place of an abundance mindset, I have:
- a single-minded determination to reach specific goals,
- an almost inhuman discipline about deadlines, and
- some ovarian-lottery style bonuses that gave me a head start in life.

The lack of an abundance mindset didn’t stop me reaching financial independence.

It doesn’t have to stop you, either.

Got extra cash and staring at your budget, wondering: Mortgage, Super, or Investment? 🤯Lacey has laid out the essential ...
07/09/2026

Got extra cash and staring at your budget, wondering: Mortgage, Super, or Investment? 🤯

Lacey has laid out the essential tips to help you make the smartest choice for your personal situation.

In this must-read article for .au, you'll need to start asking these questions that can affect your decision:

💰 Will you want access to the cash in the short term (e.g. within two years)?
🏠 How do you feel about your mortgage?
⏰ How do you want to spend your time?

Stop guessing and start planning! Head to the link to get the tips you need to make the best financial decision today: https://ab.co/4abl3uh

Always satisfying to learn we've got someone to read all the way to the end :) Thanks Trisha!'What an inspiration! This ...
06/09/2026

Always satisfying to learn we've got someone to read all the way to the end :) Thanks Trisha!

'What an inspiration! This book made personal finance simple, fun and engaging.

Witty chat, easy explanations of all the concepts and a super cool goal dangled in front of me from start to finish - I can be free and make all my own choices!

I would never usually be bothered reading a finance book all the way through but I really enjoyed this one. THANKS!'

Want to get the lowdown on Money School's favourite resources that are cheap or even free to access?📚 Sign up for our ne...
06/09/2026

Want to get the lowdown on Money School's favourite resources that are cheap or even free to access?

📚 Sign up for our newsletter and get instant access to our exclusive eBook! https://www.moneyschool.net.au/

✨Flashback to this insightful chat! Revisit Lacey's conversation with Moana (Mo) Hope, a former forward for Collingwood ...
05/09/2026

✨Flashback to this insightful chat! Revisit Lacey's conversation with Moana (Mo) Hope, a former forward for Collingwood and North Melbourne (that's AFL for the uninitiated) and an entrepreneur who runs a traffic management company with 160 employees.

Mo interviewed Lacey about all things financial independence, including:

▶️ The difference between a financial advisor and financial educator (with financial counselling thrown in for good measure!)

▶️ How Lacey got into financial education

▶️ What options exist when you're struggling financially

▶️ How women especially can work towards financial independence

▶️ How Lacey's mum Fran taught her about money

🎧 Tune into the full episode to hear venture capitalist Elaine Stead in the first half (we're big fans of Elaine, and the interview is excellent) or jump to the second half of the show to hear Lacey's chat with Mo ▶️ https://bit.ly/4o9NU6p

Should you charge your kids rent when they get older? 🏠This is a hot topic for many parents, and Lacey has some great in...
03/09/2026

Should you charge your kids rent when they get older? 🏠

This is a hot topic for many parents, and Lacey has some great insights.

In her latest article, Lacey offers her expert advice on the pros and cons of charging adult children rent and how to approach the conversation.

🔗 Read the full article for Lacey's tips on this tricky family finance issue. https://bit.ly/4n9kTac

Q. How do you get if you're on a shoestring budget and can't afford it?A. For those who really want it and can't aff...
02/09/2026

Q. How do you get if you're on a shoestring budget and can't afford it?

A. For those who really want it and can't afford it, you can often get income protection insurance via your superannuation.

You'll pay a fee, which reduces your overall retirement balance, but might be a good option if you're not able to afford it otherwise and will lose sleep without it.

Otherwise, shop around. Get quotes from lots of different providers for different criteria. You might find the premium to get 6 months of income protection is more affordable than say, 2 years coverage.

*** This question came up in the most recent seminar. It's the fourth time Lacey has delivered the 'Securing your financial future' session for Future Women and, as always, the participant questions were fabulous! Thanks to all who attended.

News flash: budgets (or spending plans as I prefer to call them) aren't essential.They do work brilliantly for some peop...
01/09/2026

News flash: budgets (or spending plans as I prefer to call them) aren't essential.

They do work brilliantly for some people, particularly:

- those without much money to spare. When you have to watch where every dollar goes to make sure you don't get caught short, a budget is your best friend.

- those who spend frivolously. No judgement, just . If every buck burns a hole in your pocket, a budget can help you resist wasteful spending.

- those expecting major life changes. Perhaps there's a bub on the way, or you're going to buy a house, or you're getting a new job. Big changes are worth budgeting for.
..but if you:
(a) have more money coming in than you need to spend,
(b) don't let that money fritter away easily, and/or
(c) life's plodding along at a steady pace
..you don't have to do a budget if you don't want to.

(Though, for the record, it probably can't hurt)

Further, I reckon there's little point creating a spending plan if you're just going to ignore it.

Better to spend the time on something that will be useful - perhaps negotiating a higher salary, or a lower mortgage interest rate.

Now, a confession: I don't have a spending plan.

Each year, I download my transactions and tally up how much I've spent in major areas like grocery shopping, holidays and housing costs.

If there's a big change versus last year, I'll try to find out why - and see if I can whittle down the cost if it's not warranted.

But I'll only do a forward-looking spending plan when I'm considering a major transaction, such as buying an investment property.

I save ambitiously and I save upfront. Anything that's left is mine for spending. I call that . And that'll do me for a budget.

How about you? Do you have a spending plan? Do you stick to it? Let me know in the comments :)

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