Welcome to episode six of our podcast series!

Right click to download or listen below (approx 38 mins):

Today’s guest is Sarah Lawless, a 26-year old who started a non-profit – The Blue Stockings Inc – to help empower women through education. She is also juggling building a new home with her husband, studying for her Masters and works as a teacher full-time. She shares with us her passion about education, life long learning and community.

What Sarah discusses includes:

Starting a non-profit that empowers women through education.
How learning is an ongoing process.
Building a home.
Lessons learned while applying for finance.
Balancing a busy life – study, work, relationships, volunteering.
Grabbing opportunities as they come up – you don’t know where they will lead you!

10thousandgirl News, Workshops & Events

International Women’s Day Event: Opp Swap! Sunday 4th March 2012, Sydney NSW.

Upcoming Life Planning Workshops and Webinars include:
Free International Women’s Day personal finance and life planning online webinar  – 12th March (morning and evening sessions)
(Supported by the National Rural Women’s Coalition)

Free Life Planning Workshop, Scone NSW –  3rd March
(Funded by NSW Dept Primary Industries)

Free Pilot Workshop, Clare SA – 20th March
(Funded by Rabobank)

Free Pilot Workshop, Adelaide SA – 23rd March
(Funded by Rabobank)

Life Planning Workshop, Armidale NSW – 29th April

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.

Featured 10thousandgirl guest: Sarah Lawless

Originally from Kyneton Victoria, Sarah (pictured on right with Caitlin Grigsby) moved to the Gippsland region in 2004 where she has become an active community member being extremely passionate about community development, support and education.

Sarah was the Womyn’s Director at Monash University Gippsland Student Union for two years, where she developed her interest in the empowerment and support of women – particularly women accessing education.

Sarah, together with Caitlin Grigsby, discovered various academic barriers facing students experiencing hardship, particularly with women and mothers with limited access to funds and support systems. Together, they co-founded the initial Blue Stockings Inc with the hope to alleviate some of these pressures for women pursuing study.

Currently, Sarah works as a teacher at Baringa Special School in Moe and finds the role both challenging and incredibly rewarding while continuing her role in Blue Stockings.

Featured Links
Find out more about Sarah and Blue Stockings via their Website or Facebook. – investment advice – government money advice, budgeting advice, calculators etc

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Welcome to episode five of our podcast series!

Right click to download or listen below (approx 43 mins):

We have with us the go-getting and truly inspiring Lisa Fox of Open Shed, an Australian collaborative consumption website. You can save time, money and connect with your community while renting out some of the items around your house that you don’t use too often, or rent something from someone in your local community. What a fabulous idea! She also shares with us her experience of becoming an entrepreneur after six years of working in law, policy and government.

What Lisa discusses includes:

How she went from being a lawyer to following her entrepreneurial dreams, starting the social business Open Shed together with her partner Duncan.
What collaborative consumption is.
What to do with your idle ‘stuff’ that is lying around the house.
How collaborative consumption can connect you with your community.
How housesitting is a way that they have supported their new lifestyle.
The lessons she has learnt along the way.
How you can really live on less.

10thousandgirl News, Workshops & Events

Upcoming Life Planning Workshops and Webinars include:
Free personal finance and life planning online webinar  – 6th February or 23rd February
(Supported by the National Rural Women’s Coalition)

Free Life Planning Workshop, Scone NSW –  3rd March
(Funded by NSW Dept Primary Industries)

Free Pilot Workshop, Clare SA – 20th March
(Funded by Rabobank)

Free Pilot Workshop, Adelaide SA – 23rd March
(Funded by Rabobank)

Life Planning Workshop, Armidale NSW – 29th April

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.

Featured 10thousandgirl guest: Lisa Fox

Lisa Fox is a recovering a Government Lawyer and is the Co Founder and Director of the peer-to-peer rental site, Open Shed. Lisa is passionate about spreading the word about the Australian Collaborative Consumption movement and helping Australians access what they need when they need it!

Featured Links
Find out more about Lisa and Open Shed via twitter, Facebook or the Open Shed blog.

Drive My Car Rentals: peer-to-peer car rental. Rent out your car when you’re not using it and offset your car expenses.

GoGet – car sharing in Sydney, Melbourne and Adelaide

Jayride – online ridesharing platform – a brand new social travel network connecting locals who want stuff, to a traveller who can deliver it helps you find local experiences, hosted by locals.

Taskbox is all about helping you get through your task list – you list what you would like done and “runners” bid on your job.

Meemeep connects people on the move with stuff that needs to be moved.  You post what you want moved, what you’ll pay and when you need it done by and you’ll be connected with someone that will do it.

SpaceOut – peer-to-peer storage rental.

99Dresses – online clothes swapping (founder Nikki over the weekend shut the site down, however is promising an even better site in the future!)

Connect with 10thousandgirl
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Sign up to the 10thousandgirl Newsletter and emails on the website homepage
Join a workshop
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This article comes to us from our newest contributor, the talented Amy Lovat AKA Amzlove. Amy interviews young businesswoman Peta Serras about her journey to opening her dream Pilates business and her experiences and learning along the way.

Everyone loves a success story, especially one built on passion and confidence, with a humble beginning.  Stumbling out of high school and into a Pilates instructor course at Polestar Pilates Australia, Peta Serras now runs her own successful Pilates studio.  She owns Pilates Evolution Now in Maitland, manages her own business blog and is working on releasing a range of Pilates DVDs.  Last month, Pilates Evolution Now achieved second place in the Hunter Region Business Awards.  All at the tender age of 23!

It wouldn’t be a success story without a few speed bumps along the way. During Peta’s year of Pilates training, she dislocated her knee, which resulted in a long and traumatic surgery and subsequent recovery program.  Notoriously optimistic, she cites this period in her life as the birth of her true passion for Pilates.  “The specialists ended up telling me that if I had been doing Pilates earlier on in my life, I probably wouldn’t have needed surgery on my knee.  The muscle strength I had built up from years of dancing just wasn’t enough.”  Determined to finish the Polestar course so that she could become a Pilates instructor, Peta completed her qualification exam and apprentice-teaching hours, just a few months after surgery.   It was the injury that prompted her to get serious about Pilates.  “I really wanted to get the course finished so that I could start sharing the Pilates knowledge with other people.  I just realised that I didn’t want anyone to have to go through the kind of pain that I experienced.”

Peta started with an idea for a business; she did her research, corresponded with Business Enterprise Centre and took that idea as far as she could.  “I don’t want to be mediocre.  I don’t want to do the same thing for seven years without developing or staying inspired.  For me, this isn’t just a way to make money.”  A few short weeks after doing her Pilates exam, Peta bought some advertising material and business cards at Vista print online and registered her business name: Pilates Evolution Now.

The business began humbly, with Peta running Pilates mat classes at East Maitland Bowling Club.  In her very first mat class, on 1 June, 2009, she had only one paying client.  “I rang all my friends and family and said: ‘If you love me, you have to come and do my class!’” she laughs, “and about five of them came along, so it wasn’t too bad.  But I was so nervous!”  So what made her want to start her own business, as opposed to the easier route, some would say, of shadowing other Pilates instructors for a few months and finding casual work at other studios?  “I did a lot of apprentice teaching at other studios,” she explains, “and whenever I was there, I would be looking around, analysing the business and thinking ‘I could do this so much better!’”  Confidence (and a touch of naivety, she readily admits!) was the key ingredient to getting her business started.  She notes the apparent divide between small business owners who are “in it for the money”, and those who are really trying to make a difference.  It was her goal to find the middle ground, especially in a niche area like Maitland, where the only fitness facilities are gyms and fitness chains.  “Pilates is a bit special,” she muses, “it’s so big in America but still quite small here.  And there are so many gyms with instructors that teach ‘Pilates’ without really being qualified, and I wanted to do it differently.”

Originally, the plan was to build a strong client base before leasing her own location, however Peta wasn’t satisfied at the Bowling Club.  Just two weeks after deciding to move, the “perfect” studio became available – a former dance school in East Maitland.  It was a risky move, but she was confident that running her own business was what she wanted to do, and passionate that she needed to do it right.  At first, the move came at a price: “I had about eight regular clients at the time and one night I told them there was a change of location for the class.  They all walked into this dirty, bare studio, and some of them started dropping out of classes.”  But she’s never looked back.  Peta spent the whole Christmas holidays setting up the studio, ordering new equipment and conducting initial assessments for her new clients, and now she teaches 40 classes a week at Pilates Evolution Now.  Twelve of those are Mat classes, which have a maximum of 10 participants, and the rest are all Studio sessions, on the Pilates reformers and equipment.  The Studio sessions have a maximum capacity of three clients, and the business has grown tenfold since her debut class two years ago.  “We have a long wait list now,” she tells me, “We’ve closed the books.  Which is a big struggle for me, because it’s great that I’m so busy but I don’t like turning people away.  All the more reason to expand the business!”

Was it difficult building that initial base of loyal clients?  “Yes,” she replies, without hesitation, “Because it’s so easy for someone to go and get a gym membership for $9.95 a week.  And obviously Pilates costs a bit more than that.  What I do is quite specialised.  And I’m tough!”  She laughs, “It’s my dancing background!  I work the clients hard and we see the results.”  She tells me about one loyal client who has been attending her classes religiously, three times a week for the past two years.  The business has mainly spread via word-of-mouth; clients see the results in their bodies and tell their friends.  “At the very beginning, I had one real estate agent coming to my classes, who eventually brought all her colleagues and then every single employee of that agency was at my studio!  Then another business happened like that, and it got the ball rolling.”

Peta also cites social networking as a major factor in the promotion of her studio.  She manages her own website, as well as regularly writing posts about nutrition, healthy lifestyle, posture, Pilates exercises and delicious recipes on her Pilates Evolution Now blog.  With the growing popularity of online shopping, blogging and facebook, the internet can provide small businesses with amazing networking and advertising opportunities.  “It’s been so great because it’s so easy to get on my phone or my computer and just write something, even if it’s just posting an interesting link or a recipe on the facebook page or the blog…something that clients will be interested in!  Social networking has worked so much better than advertising in the paper.”  These days, Peta is receiving 2-5 calls a day, inquiring about Pilates Evolution Now, and 2-5 new clients each week.

Peta’s weekdays start at 7.30am; she teaches until midday, then spends a few hours cleaning the studio, updating client records and squeezing in her own Pilates practise before beginning teaching again at 3.00pm, working until 8.30pm every night.  It sounds like she’s a workaholic, but this young woman is just striving towards her goals, of which she has many.  “The Pilates DVDs are the first thing, of course, I want them completed within the next six months.  Ideally, I don’t want to renew the lease next year.  I’m a bit anal, and I want something purpose-built.  I’m already looking around for land to build a new studio.”  A self-confessed perfectionist with a competitive streak, she finds it difficult to delegate, a weakness she freely admits.  “I’m working on it,” she says, and goes on to explain that she is training her mother to be a receptionist for her, a few nights a week at the studio.  “It’s a bit hard, because I’ve been doing everything by myself for so long and I like things done a certain way.  For example, if Mum uses a red pen, instead of a blue pen … I really can’t get my head around that!”

Peta plans to add more classes to the already-full schedule, find additional instructors, buy more equipment for the studio and even launch a nutrition-fitness program, which she will write and coordinate herself.  At the moment, she teaches all forty classes herself, updates her blog and manages her own accounts and book-keeping.  “At the end of each week, I analyse the income in versus income out of the business, and take the time to figure out exactly what’s going on.  Why did we have a good week?  Why was it a bad week?  I always make sure that I budget.  I always have a few months rent in the bank.  Because working for yourself, you can’t really take sick days.  You never know what could happen, and you still need to pay rent.”  No one could claim she’s lacking ambition.  “Sometimes, when I’m hard on myself, I just have to give myself a mental pep talk.  I already have my own business, I’ve won a business award, have DVDs coming out, and I’m only 23!”

What’s the best piece of advice she can give to young women wanting start their own business?  “Just give it a go!” she states, emphatically, “Know exactly what you want and don’t let anyone walk all over you.  It’s great to start with a big goal, then work your way backwards and do the research.  Figure out exactly what you need to do to get to that goal.  It helps to get things down on paper – I’m a notorious list-maker – and think ‘Okay, why do I want this?’  When I first started, I was so young and naive and I really thought that no one would take me seriously.  But you have to overcome that.  Be genuine; you have to be yourself.”  With infectious laughter, a bubbly personality   and a competitive streak – “I want to be the best!” – there is no doubt that Peta Serras is taking her own advice.  Rest assured, there are big things on the horizon for this young woman.

Peta will be attending the upcoming 10thousandgirl workshop in Newcastle.  She is looking forward to the opportunity for networking and seeking further advice about her business plans from professionals in the financial services industry.

Amy is currently completing her Honours thesis in Creative Writing at the University of Newcastle.  Then she will go and finish her Law degree … maybe.  She is also 10thousandgirl’s Local Ambassador for Newcastle.

Click Play above to listen or right click here to download!

Welcome to episode three of our podcast series! Today we’re talking Debt with Janette Tucker of JT Finance Plus. Whether you have a large debt or a small debt – it is about getting aware and doing something about it. Remember there is always a way to the other side and a support team you can reach out to! The thing is to just get started now.

10thousandgirl News, Workshops & Events
Upcoming workshops include:
Orange/Bathurst – 11 September
Singleton/Maitland – 17 September
Newcastle – 18 September

To find what other towns we’re visiting and to get your tickets head here.

Remember, if we’re not in your town this year, you can start a GIG (Girl Investment Group) at any time.

Featured 10thousandgirl guest: Janette Tucker
Janette was born in Wagga Wagga and has spent all her working life in the city. She is a registered Justice of the Peace and a past President of the Wagga Wagga Chamber of Commerce & Industry. Her background comes from 16 years in the fast food industry and 12 years in the Real Estate industry before entering into the finance world in 1999 under the banner of Janette Tucker Finance Plus. Janette has a  positive and persistent approach to her business and is proud of the  many industry awards that recognise her efforts in the finance industry. In 2010 she obtained her Real Estate License and in 2011 her Australian Credit License, JTFP offers Debt Management Services, Investment Property Sales, Mortgages, Car and Equipment Finance, Deposit Bonds plus much more.

Featured Links
Find out more about Janette and JT Finance Plus:
Contact Her

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Thank you and we look forward to bringing you another magical podcast episode next month!

If you know anyone who would make a great interviewee please let us know. You can download the 2011/12 editorial calendar here to see what’s coming up…

Iolanthe Gabrie of Ruby Slipper Consulting recently interviewed Zoe for her great blog. Iolanthe interviews ‘Business Ninjas’ each week and shares their stories.

‘This week we are proud to interview Zoe Lamont of 10thousandgirl fame. Make sure you take time to read Zoe’s story, especially if you are a) a girl and b) wanting to be like Beyonce and be an ‘independent woman’. In fact, Ruby Slipper have a client giveaway to join Zoe when she’s in your town for a Life Planning Workshop. The perfect way to get your 2011 off to a cracking start. Here’s the G-O on 10thousandgirl.’ read the rest of the interview


Victoria Craw has a degree in Political Science and English and is currently based in Sydney as a finance writer. Victoria has also worked as a foreign exchange writer in London, a journalist in Samoa and at a winery in a small corner of New Zealand. Described as a ‘jack of all trades, master of none’ she occupies her time reading, writing and thinking about how to finance the next trip overseas. Read her personal blog at

Such a huge, exciting and un-nerving question…Nowadays, finance and money plays such a huge role in our lives. While they can be stressful and frustrating, understanding your finances properly can allow you to make choices. Always a good thing right?

Yet figures consistently show that people, women in particular, often put their money in the ‘too hard’ or ‘too boring’ basket and do their best to forget about the issue.

Recently I went to a 10thousandgirl workshop which was packed with creative, talented women who wanted to realise their dream. They just needed to take the first step.

As an avid reader of art and design blogs, I always admire those that have been able to turn their passion into a productive reality. So to inspire myself and others, here’s the first in a series of short Q&As with other women as they explain how they took the nerve-wracking first steps to getting out there on their own.

Renee is a tremendously talented illustrator, designer, artist, stylist and photographer living in Sydney. As well as running an online shop and vintage store, Renee recently moved to working freelance and you can see her work on her website and browse her lovely blog.

A massive thank you to Renee for taking the time to answer these questions. Make sure you contact her if you are ever in need of a designer!

What’s a typical day for you?

I guess being a “freelancer”, my days are not often typical. I do try and create a bit of a routine of waking up early, getting into my email that need actioning first thing and checking if I have any deadlines. I would hardly say that I have a 9-5 working day, more like 24 hours! Sometimes I find myself checking my email in my sleep. But for the most part I try and keep up to date on “admin” type tasks, so when the creative urge hits (sometimes at 2am!) I can get onto it! (just for fun, here is a little “day tripper” story I did for Elle Girl Korea!)

What do you love most about your work?

The wonderful amazing people I get to meet along the way. Being a freelancer can be “lonely” but I have never found myself feeling that way. It also helps when you are dealing with people who are passionate and love their jobs.

What inspired you to take the plunge and start your own business?

I guess I have always been inspired to do such a thing, and it isn’t something that I really dove into, more something that has been a gradual thing that has evolved over time. Starting with working on business things “after hours” while managing a full time job, to slowly making the shift into working for myself… I have always had my eye on the goal, it is just a matter of taking the steps to get there… eventually.

Were there any major challenges along the way?

Of course. There always is, and I still wouldn’t say that I am “there” yet either. There isn’t just a day where life just goes “pop” and says “you have a successful business now, enjoy”. It is a constant challenge and a lot of hard, but rewarding work.

Do you have any advice for young women looking to do the same thing?

Take your time. Think things through. Don’t rush. Consider all options.

Can you recommend any great sources of support or information?

I don’t think there is any one hub, especially online as everything is always evolving, moving and growing. There are SO MANY great blogs out their, full of information and inspiration. Try, and

Thanks so much Renee!


“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.



<p>Microfinance is the provision of financial services such as loans, savings, insurance and training to people living in poverty. It is one of the great success stories in the developing world in the last 30 years and is widely recognised as a just and sustainable solution in alleviating global poverty.</p><p><iframe src="//" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p>

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