Regional Australia

As we wrap up the March 2015-March 2017 Regional Women’s Financial Literacy Roadshow, it’s exciting to reflect on the places we’ve been and the incredible women we’ve met.

Thank you to all the truly wonderful women who participated.

Thank you to the local panelists who came and generously shared their expertise, thank you to the incredible local women and community groups who let women in their area know about the workshops, and thank you to our funding partners – Financial Literacy Australia, Rabobank, HESTA, FPA, Insurance Council of Australia, ATO and Credit Savvy.

Here’s a sneak peak of the final workshop in Armidale in late 2016… More highlights to come including the formal Program Evaluation Report conducted by RMIT University.

financial literacy program for women



The Women of Shepparton at our 10thousandgirl regional roadshow event
10thousandgirl event at Shepparton
The Women of Shepparton at our 10thousandgirl regional roadshow event

The 10thousandgirl Mini Money Makeovers were held in Sydney and Melbourne this month and went down a storm with women from the area.

Our regional financial literacy tour continued with successful workshops in both Young and Shepparton in the past month.  50 local women at each workshop took the time to reflect on their personal finances, identify their long term goals and create an action plan to get there.

We are seeing a wonderfully wide range of women at these events – young mums, empty nesters, women well into their retirement, and women just starting out in their careers.   We like to think there’s something for everyone at our workshops; you will definitely walk away having learned a thing or two.

The women of Young, NSW
The women of Young, NSW

The regional tour is supported by local financial experts in each town and our wonderful partner Rabobank.

Next up, Geelong and Toowoomba!

Our mini makeovers are a fantastic introduction to finance; the opportunity to sit down and talk to financial experts in a welcoming environment.   We invite trusted finance experts to come and share their knowledge with you and in exchange you can meet up with them for a no obligation coffee at a later time if are keen.  We will run more of these events in 2016 and we hope to see you all back next year!

Thanks to our fabulous Trusted Advisers for their time and expertise.

Financial literacy events for women

10thousandgirl regional roadshow orange event

It was a full house at the national launch of our Better Money Management program in Orange last week, signalling strong demand for financial education among regional women.

The launch featured a free, half-day money management and investment education workshop, which we will replicate in 15 other regional towns and cities across Australia as part of the program over the next two years, with the next one in Young on Saturday 29 August

Regional women from various walks of life, occupations and ages attended the Orange workshop to hear from 10thousandgirl founder and CEO Zoe Lamont about her inspiration for the program and to learn financial skills and tools.

10thousandgirl regional roadshow orange event
Zoe Lamont, Founder of 10thousandgirl, speaking to the women of the Orange, NSW event.

Women in regional towns are very active in their local community. They are natural investors when it comes to their families, schools, community groups and local businesses, however we’re finding this investment is not always extending to their own financial education and long term financial security,” said Zoe.

10thousandgirl wants to strengthen the financial outlook for women across Australia, and living in a regional area shouldn’t be a barrier. Our objective is to create the opportunity for women, no matter where they live, to learn the skills and build the confidence to become better at managing the money they have, so they have the financial acumen to achieve their dreams.”

The workshop generated much discussion and open conversation. Zoe asked participants: “What does financial freedom mean to you?” leading to discussion around the importance of setting goals and planning how to achieve them.

10thousandgirl regional roadshow orange event


A panel of local finance specialists presented their insights into financial management fundamentals, covering investing, insurance, superannuation, the ‘Golden Rules’ to staying out of debt, and gave participants the opportunity to ask specific questions to further their knowledge.

10thousandgirl regional roadshow orange event
Our wonderful panel of finance experts.


The local experts were:

10thousandgirl regional roadshow orange event

Proving to be more than just an educational forum, the workshop was a buzz of networking opportunities. Discussion and questions were plenty, featuring how to get started as an investor, growing your super, succession planning, and knowing what “good debt” is. Participants benefited not only from the workshop’s itinerary but also from each other, swapping their own experiences and knowledge.

In addition to the 16 regional workshops being rolled out nationally, the Better Money Management program comprises a suite of online financial tools and bi-monthly webinars. It is being funded by an Australian Securities and Investments Commission (ASIC), Financial Literacy Australia grant and national partner, global agribusiness bank, Rabobank. Industry super fund HESTA, the Australian Taxation Office, the Financial Planning Association and the Insurance Council of Australia also support the program.

Workshops to follow the event in Orange, include:

Want to help us organise a workshop in your town? Let us know!  Register your interest, here

Financial literacy events for women

10TG Facebook Banners-Regional Roadshow


Financial Literacy For Rural Women The Focus As Australia Celebrates International Women’s Day


Sunday 8 March is International Women’s Day and not for profit organisation 10thousandgirl will mark the occasion by launching a national Women’s Financial Wellbeing program, focussed on increasing financial literacy for women in regional and rural communities.

The two year program will offer regional women access to some of Australia’s leading financial advisors and experts, free of charge and without having to travel to major metropolitan centres.

The program will consist of a series of regional workshop events throughout Australia, bi-monthly webinars and a suite of financial tools and educational programs.

You can read more about opportunities to partner with us or as a passionate believer in women’s financial wellbeing, nominate your town to host a free workshop.

According to 10thousandgirl CEO and Founder Zoe Lamont, the program complements the United Nations’ theme for this year’s International Women’s Day of ‘Make it Happen’.

“Women in regional towns are very active in their local community. They are natural investors when it comes to their families, schools, community groups and local businesses, however we’re finding this investment is not always extending to their own financial education and long term financial security,” said Zoe.

“The program has been designed to extend beyond basic money management and look at the importance of investing to ensure future financial stability. Women are good savers for immediate to short term purchases such as saving for a trip overseas, a wedding or a home but we need to create forums where women can put time aside out of their busy lives to consider their broader financial life plan. For instance, at which age would they like to retire, what kind of lifestyle would they like to maintain and what financial steps need to be put in place to enable their plans to happen.

“Our new workshop series builds investment confidence and equips women with the tools to take charge of their investments and finances to position themselves for a strong financial future,” said Zoe.

ASIC’s recently released Australian Financial Attitudes and Behaviour Tracker research[1] found that investment concepts such as diversification and risk/return trade off were not commonly heard of by Australians (41%) and of those that had heard of the term, 28% didn’t understand it and a further 9% of those who said they understood it, couldn’t accurately describe the concept.

“This is concerning to us and doesn’t have to be the case. We are working to break down the gender and geographical barriers and ensure it is as easy as possible to access independent financial education, irrespective of whether you are male, female or live in a major city or country town,” said Zoe.

According to a white paper published by Infinitas Asset Management[2], women naturally make better investors than men.

“Women tend to be more focussed, considered and conservative about their investment decisions. They bring a different mindset, life experiences and sense of family and community responsibility when it comes to making investment decisions,” said Zoe.

The 10thousandgirl program is designed to provide women with the confidence and support to take control of their financial future and help them to ‘make it happen’.

10thousandgirl is calling for women throughout Australia to nominate their town to host a free half day women investing workshop. Interested partners can visit and complete the online form.

The half day workshop event will help participants to complete a personal financial review, discuss key investing principals, step through creating a personal investing plan and include a Q&A session with a panel of local financial service professionals. The panel will discuss topics such as property investing, starting in shares, super and tax tips, insurance basics, estate and succession planning and solutions and support mechanisms to work together as women to dissolve financial barriers.

The 12 part 60 minute webinar series will interview experts on in-depth topic areas including ethical investing, insurance, farm succession planning, seeking trusted advice, superannuation and wealth creation. Women throughout Australia are encouraged to sign-up for these free webinar events.

The webinar sessions commence this month, with the regional roadshow half day workshops commencing in June 2015, giving women a couple of months to register their town as a possible venue.

The two year regional women’s financial wellbeing project was made possible by a grant from Financial Literacy Australia and funding from leading financial service industry educators including Rabobank and HESTA.

About 10thousandgirl

10thousandgirl is a not for profit organisation started by a group of women in a Sydney pub in 2009. The girls quickly realised the importance and long term benefit of having a plan and understanding finance basics so they could make their plans happen.

More and more women started to come. In March 2011 the campaign formally established a board of directors, laid governance in place and has grown to educate thousands of women across Australia every year with the initiative attracting national and more recently global recognition in their bid to contribute to increasing the wellbeing and economic health of women.


For further information or interview requests please contact:

Chantelle Hutchison

Sauce Communications

Ph: 0452 637 446



[1] Australian Securities and Investments Commission Australian Financial Attitudes and Behaviour Tracker, Wave 1 March – August 2014

[2] Infinitas Asset Management Limited Investing Like a Woman, Steve Macdonald, 2012

10TG piot group loans

Actually two women’s lives.

Last night a group of 30 inspiring women around Australia gave two micro loans. These 30 women came from all walks of life – a mum from a farm in north west NSW, an artist from Melbourne, a mining consultant from central Queensland…

Over the last 6 weeks this powerful group of women completed the 6 Step Challenge, 10thousandgirl’s new ‘Michelle Bridges’ style online personal finance program. And they blitzed it!!

They documented their life plans, tracked their spending, worked out their net worth, negotiated rates on home loans, high interest savers and utility bills. They reviewed their insurance, consolidated super. They discussed investment principles and the behaviour of cash, property and shares. They opened super letters for the first time and made calls to their super fund to change their investment mix to fit with their age and stage. In week 4 they documented their personal investing plans, asking themselves:

  • What are my #1 financial goals?
  • How much money do I need for each goal?
  • When do I need it? What’s my timeframe?
  • What investment options suit that goal and timeframe?
  • What are my next steps?

And last night they wrapped up by mapping out their personal and professional support networks. They discussed the different professional support roles, how to find trusted advisors and learnt good questions to ask when approaching and engaging an adviser.

Then they wrapped up with an INSPIRATION FEST. Discussing what inspires them, who do they inspire? How do they stay inspired?

Well, wonderful women. You certainly inspired me. Thank you for your Ripple Effect. May it be felt across your life, among your family and friends lives, in your work and community life and as part of your program fee, you each donated $10 into a pool and were able to donate two micro loans, one to Merelita Marama and one to Linita Ponitini.

So thank you for your globally felt Ripple Effect… 


Merelita Marama, Nasautoka Fiji
Activity: Manufacturing
Loan Use: Sewing
Term: 26 Week

Some people are born with a natural talent. Merelita Marama (47) is one of them. She loves sewing for the people in her village and is a skilled seamstress. Merelita has built a steady client base among her friends, neighbours, office workers and church members. With her loan, she intends to buy more sewing equipment to help expand her business. Merelita is certain she will make greater profits, which will improve the lives of her four children.

Linita Ponitini, Tonga
Activity: Farming
Loan Use: Farm produce
Term: 52 Week

Linita Ponitini has three children under twelve. Her goal is to build a house for her family. She and her husband grow a range of crops, which Linita sells in the local market. But their profits are insufficient to cover both family and business expenses. So Linita is seeking a loan to buy seeds and seedlings to increase the farm’s production and yield.

Want to provide micro loans? Sign up

Want to do the 10thousandgirl 6 Step Challenge? Sign up 

The fun bookclub-like GIG (Girl Investment Group) program supports you and girlfriends, workmates or new 10thousandgirl friends to complete the 10thousandgirl Personal Finance Program. The aim is to learn the principles behind personal finance and investing in an engaging, supportive and light-hearted environment.

GIGs are all about learning the life and finance skills we need to know but often didn’t learn at home or at school. Supported by interactive webinars, videos and beautiful workbook materials, 10thousandgirl supplies the Personal Finance Program with an agenda and learning materials for each meeting, and you let your group know what time and who’s bringing tea, treats or wine.

Financially empower yourself while 10% of your program fees go toward providing a microloan for a woman to start a new business and lift herself and her family out of poverty. Pretty inspiring!


whitesquarewhitesquareclick here to register interest pink

 Want to find out more?

Here’s an overview of GIGs (Girl Investment Groups) and the NEW 10thousandgirl Personal Finance Program.

Interested and want to find other like-minds in your area? Register your interest.

Already decided this is for you? Here’s the Steps to Getting Your GIG Started.

Currently a financial services professional looking for opportunities to financially empower women in your local area? Interested in a Mentor opportunity? Read on…

This article was published in the Department of Primary Industry’s Rural Women’s Network Spring 2011 Newsletter

Increasingly, young women are acting on their desire to live their dreams whilst learning skills to be financially astute. The 10thousandgirl campaign helps young women gain confidence, clarify their plans and learn the basic financial principles to support their goals.

With the fast growing independence of young women, over the next three years the 10thousandgirl campaign aims to support 10,000 young country-based women to live their dreams whilst being financially astute. As part of programs being run in 100 communities across Australia, a special sponsored workshop series was run in Scone and Merriwa over April 2011 in conjunction with Albury based style and image consultant Sandra Martin. The workshops were organised by Caroline Long and supported by the Department of Primary Industries. Here’s what two of our workshop participants had to say …

Allissa, aged 28
Why did you attend?
I attended the workshop because I had been afraid of looking at how to manage my money for a long time. I believed that money controlled my life, that I would never understand how to manage money and therefore made poor life choices because I felt defeated around finances. I was tired of living scared, so it was time to get some education and learn some tools to make money flow for me, not let money hinder my life flow.

What did you hope to get from the day?
Tools for my tool box!

What did you learn/how did you benefit?
My money matters were de-mystified, the clouds began to clear and I began to see my dollars a little clearer.

What actions have you taken since the workshop?
I am currently charting my spending and am in observation mode as my needs change.

What are your ‘words of wisdom’ for other girls looking to get their plans and personal finances on track?
Just go for it! Start somewhere, get brave, find a financial advisor or a 10,000 girl! and ask just one question important to you around money, the answers will come and then they will just keep coming and before you know it you’ll be feeling more and more confident and be having loads more fun with your finances.

What are your next steps?
I would like to look at getting a 10thousandgirl GIG (Girl Investment Group) together in the Newcastle area. I am really interested in getting some of this amazing information and education out to women who are or have been in situations of domestic violence. A big question on my mind right now is how to get the same learning and confidence around finance to women before they get to their ‘final straw’ in abusive relationships.

Phoebe, aged 26
Why did you attend?
Although I am a fairly good saver, anything that involves maths/numbers is not my favourite thing so I procrastinate over these things and annoy myself that I’m not doing more to take charge of what I spend.

What did you hope to get from the day?
I wanted to find ways to make financial stuff not so daunting. I also wanted to learn about what financial advisors do and whether I should visit one.

What did you learn/how did you benefit?
I learnt the difference between accountants and financial advisors. I got some tips on how to manage my money. I got inspired by what other women are doing to take control of their finances.

What actions have you have taken since the workshop?
I got together all the information on my super accounts so that at the beginning of the new financial year I can consolidate them into the best performing fund. I have outlined payment schedules for all outstanding debts and worked out when they will be paid off. I have spent my savings on a trip to Africa!

What are your ‘words of wisdom’ for other girls looking to get their plans and personal finances on track?
Get your finances under control because you’ll be amazed at the great things you can do with all the money you save! Plus it’s the small purchases that really eat up your money, by putting together a budget you realise just how much you spend on the small impulse purchases like an extra drink, ice-cream, chocolate. I’m not saying you have to stop purchasing these, we still need treats but when you realise you’re spending a hundred dollars or more a month on these you might not be so peckish!

What are your next steps?
I’m off to use my savings to explore the world – Africa!

The aim of the 10thousandgirl Campaign is to ensure every young woman 15-40 years:
– Has a plan for her life (dreams and goals that are written down)
– Has minimum 3–6 months wages in accessible savings
– Has relevant insurance in place
– Is learning to plan, save and invest for a self-funded retirement
– Is doing what she loves each day
– Is contributing to our world’s broader economic prosperity and wellbeing

10thousandgirl creates economic improvement for women through providing light hearted and engaging educational resources and programs in safe accessible environments, including; a 12-month Personal Finance Program delivered via bookclub like GIGs (Girl Investment Groups), one-day Life Planning Workshops, one-hour School Talks, Workplace and Community Presentations and an online resource hub.

Our goal is to raise $1 million to support women in developing countries to launch their own business … this is the ripple effect.

With every two Australian girls who go through the 12 month ‘GIG’ program, a micro loan is provided to a woman in a developing country to start or support a business and lift herself out of extreme poverty. This element of the program is to raise awareness around the fact we live in a global economy, and show that as individuals, when we step up, we increase our capacity to assist others. It’s a ripple effect!

10thousandgirl is supported by the Australian Government’s Office for Women and Economic Security4 Women, providing bursaries for women living in marginalised positions in Australia to take part in the programs. See our website for information on how to apply:

As part of the tour around 100 regional centres across Australia, the campaign is looking for financial planners, accountants, mortgage brokers, property professionals and interested womens and community groups to assist in running programs in the following areas: Canberra, Bathurst, Orange, Young, Dubbo, Tamworth, Armidale, Singleton, Newcastle, Alice Springs, Barkly Tablelands, Wagga Wagga, Albury, Wodonga, Ballarat, Bendigo, Geelong and Melbourne.

To participate in or assist with an upcoming event in your area, visit the website: or contact Zoe Lamont at or
on 0419 622 968.

Karina Barrymore brings up the old question, ‘why don’t we teach our kids about personal finance?’ As the 10thousandgirl Campaign launches across the country, we’re on a mission to see this change. From mid February, 10thousandgirl School Talks will be offered in each metropolitan and regional town we visit. You can request the campaign to visit your school or town by emailing OK, time for Karina’s rave…

Comfy? Saddle OK? Right, let’s kick-start this old nag: Why on earth don’t we teach our children about personal finance?

Why isn’t such an important topic taught as an individual core subject throughout our school system, from primary to secondary?

Too many people get into financial strife because they don’t know the basics of managing their personal finances. Yet even more people get into trouble because they don’t know the basics of investing.

Let’s give the next generations the knowledge they need to avoid serious financial hardship or crippling debts.

Understanding personal finance is about learning a life skill that will potentially be of more benefit than almost any other subject (OK, reading, writing and maths is up there too).What good is that medical degree or those four years of apprenticeship if no one teaches you how to look after the money you earn?

No matter what path the next generations choose, everyone will need to manage money be it a Centrelink benefit, lottery win, hard-earned wages or hundreds of thousands of dollars borrowed for a mortgage.

There are a few schools with financial literacy integrated throughout other subjects, but this isn’t good enough. Knowledge picked up here and there, say through maths or IT, doesn’t drill home the importance of this subject, in fact it treats it as a side issue.

More and more advertising targets young people, bombarding them with things to buy, trends to aspire to. Often the day they turn 18 is the day they get their first pre-approved credit card application in the mail or an offer to open an account over the internet.

This type of consumer marketing needs to be understood for what it is a financial commitment, a debt, a potential credit record destroyer.

Without a full understanding of personal finance, these kids don’t stand a chance against the slick multimillion-dollar marketing machines and the ruin they can lead to.

Reporter: Karina Barrymore
Date: 13 December 2010

Fatal error: Call to undefined function cp_numeric_posts_nav() in /home2/futurema/public_html/ on line 61