Kathy’s Story

finance for women

Kathy did the 6 Week Money Makeover in July 2015.

Whilst I consider myself to be pretty money-savvy generally i.e. I don’t have a weekly budget for food or general expenditures but can save and don’t find myself splurging on too many extravagant things, I realised that I am relatively unknowledgeable when it comes to the specifics of investing in property, shares, or for example details of choosing the best superannuation. So, I decided to start empowering myself financially and booked into the course.

My initial surprise was that the first week of the course had nothing to do with money – it was all about setting goals for your future i.e. where do you want to be in five years, ten years, etc?   At first I thought this was a bit off the point, but then quickly realised over the next six weeks that it was one of the most valuable tasks we did – without setting goals and knowing where you want to be or what you want to achieve, you can’t actually plan or save for anything fun down the line (whether buying a house, owning an investment property, travelling the world for six months or having a good nest egg for retirement).

The rest of the course gave me the knowledge and a great set of tools to lay out where I am now and how to best approach the future – both the good i.e. super, nest eggs, etc. and the not-so-fun-but-totally-essential i.e. wills and power of attorney. One of the most important tips I learnt from the course was an awareness of little hidden costs;  like knowing exactly how much interest you pay on your credit card (I didn’t realise I was paying $20/month (or $240/year (!) in interest!), when I had the means to just paid it all off in one go, which I did straightaway.  Or, for example, the highly variable fees of the many available superannuation funds out there (make sure to compare yours!). Basically, unless you are aware of where your money is and what you are spending it on, you can’t make educated decisions about what you want to do with it.

This course has made me feel more aware and therefore empowered about my financial situation – but also in a totally fun, informative and engaged way. The sessions are run interactively, and the support and positivity that Zoe exudes (the guru who runs the course), make you feel positive straight away.

Although I have let the plans for my ‘next steps of financial empowerment’ slip onto the back burner a bit since the course finished, I am still planning to finally roll over that second superfund into one (so simple and STILL not done); find a financial advisor who understands my priorities and then set up some ethical investments (in a diversified portfolio of course!); write a will; and ensure I remember which investment strategies are best for short, medium and long-term savings.

I highly recommend doing this course if you want to learn about the basics of finance in your life. The only negative is that there is no ‘Level 2’ of the course…….something to think about for the future, 10thousandgirl team! ;)”

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“Each time a woman changes, she inspires another woman to change...”


Each time a woman completes the 10TG 6 Step Money Makeover, $10 is contributed to providing a microplan to a woman living in extreme poverty to start a business.


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