Key Takeaways:

• Rental Market Dynamics: Prices in capital cities are excessively high, leading to rental stress among Australians; creative strategies are needed to navigate these challenges.
• Financial Strategies: Look at managing the remaining 70% of your budget after rent rather than focusing solely on the rental costs.
• Adapting to Change: Consider regional moves to more affordable areas, leveraging remote work opportunities as a feasible solution to high urban rents.
• Income Optimisation: Improving your professional standing or seeking alternative income streams are crucial in adapting to high rent costs.
• Faith and Acceptance: Emphasising the importance of acceptance and mindful prayer to manage financial and rental pressures effectively.

Notable Quotes:

• "Rental prices have increased astronomically, especially in high demand areas such as capital cities."
• "Think outside the box… be more creative about the income side of our equation."
• "Don't go into a shop if you can't afford to buy the things in the shop… it's got to be the same with rental."
• "Consider what you're left with and how you manage the costs that happen week to week once the rent is decided."
• "You've got to increase your employment, look at your job. Are you doing the best you can in terms of your employment?"

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Have a 'rent crisis' suggestion to make? Send it through to us at this form here

Key Takeaways:

• Rental stress is a critical issue in many Australian cities, with residents spending a significant portion of their income on housing.
• Suggestions to combat rental unaffordability include supporting the YIMBY movement, promoting zoning reforms, and increasing housing supply.
• Listener contributions mentioned paying for others' everyday expenses as a form of assistance for those in rental stress.
• Balancing personal financial health with generosity remains a thematic challenge; the episode invites dialogue on this aspect.
• Future episodes will explore deeper financial strategies for handling rental costs.

Notable Quotes:

• "Perth is the most unaffordable rental city in the country at 32% of income share."
• "Can you stick it out? Should you get other loans to help you with this?"
• "Is it possible or do you park generosity while addressing difficult financial situations?"
• "Paul's suggestion: forming local housing co-ops with a mission of building housing on purchased land."
• "If we stopped using Airbnbs…homes would become available for long-term rental."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• The podcast is presently on a brief hiatus due to health issues faced by both hosts, with plans to resume regular episodes soon.

• Hope Media's November Appeal highlights how faith-based generosity directly supports the thriving of such community initiatives.

• Ben provides biblical perspectives on financial generosity, encouraging listeners to reflect on their motivations and the impact of their giving.

• He emphasises that every contribution, whether financial or prayerful, holds profound significance in supporting the shared mission of Hope Media and Money, Faith, and Finance.

Notable Quotes:

• "Working with a place that relies on the giving of others, that's a great exercise in trusting God."

• "Being able to share the story... the comments that come through about how God has worked in people's lives and Hope's been a part of that, it's awesome."

• "Really humbling and quite uplifting to know that so, so so many people over a long period of time have decided to give what God has given to them."

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Joy Mantra: Applying the principle of J-O-Y (Jesus, Others, Yourself) might provide a balanced approach to budgeting and financial generosity, aligning spending with core values.
• Spiritual Perspectives: The concept of balancing a ledger with God through good deeds is challenged with insights from scriptural teachings emphasizing grace and mercy.
• Guilt vs. Grace: Discern between giving driven by guilt and generosity inspired by grace, understanding that God provides for us to excel in His work.
• Practical Financial Stewardship: Embrace a realistic view of life circumstances when making financial decisions, recognizing the influence of fear and guilt in monetary choices.
• Community Engagement: Engage in conversations on how spirituality influences financial decisions, contributing personal experiences and reflections on faith-driven financial practices.

Notable Quotes:

1. "Is it possible that you think you can somehow pay God off or buy back the bad, which, personally, I don't think is possible?" - Ben McEachen
2. "We can't just square it all out. You've got to have a strategy that works, that's sustainable for you." - Pete Burrows
3. "Jesus paid it all to him I owe, but not as a debt that you've got to pay off for the rest of your life." - Ben McEachen
4. "We need to seek God's will for our heart and life, not just give X amount per week because that is not prescriptive." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Faith and finance can effectively intermingle, offering a holistic approach to handling money by incorporating biblical principles.

• Generosity should not be limited to a strict percentage; instead, it is about giving with a joyful heart based on one's capacity.

• It is prudent for young earners to establish a saving habit, ensuring long-term financial health while also responsibly enjoying their earnings.

• Understanding and participating in superannuation is crucial for securing future financial stability and retirement readiness.

• Investments, including those in the stock market, are not inherently unbiblical, but one must ensure comfort with the level of risk involved.

Notable Quotes:

1. "We talk about money and how it intersects with your life... we are practical, we're profound, we're down to earth, we're crazy." - Pete Burrows

2. "Even if you don't like money or don't think you're good at money, we've all got to have an attitude towards it." - Pete Burrows

3. "I do believe not so much giving till it hurts, but giving till you notice it." - Pete Burrows

4. "It's gotta be not about what percentage I give, but having an attitude where I'm generous." - Ben McEachen

5. "The best thing about super is while you're working, you're having money put away for you that you can't stuff around with until you retire." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Key Takeaways:

• Shrinkflation Defined: Products reduce in size or quantity, but prices remain unchanged, leading to effectively higher costs per unit.
• Skimflation Insight: Some products may have reduced quality or fewer ingredients, offering less value for the same price.
• Consumer Response: Use unit pricing for more informed purchasing decisions and consider paring back on non-essential items.
• Financial Wisdom: Evaluate product necessity and embrace contentment as part of smart financial stewardship.
• Brand Loyalty’s Cost: Recognizing the potential financial impact of sticking to familiar brands without considering alternatives.

Notable Quotes:

• "I think we've got a little bit of nostalgia, but I do think packaging is generally a little bit smaller these days."
• "Inflation is not necessarily a bad thing. The cost of things go up, people's wages go up."
• "The company didn’t promise you that that block of family-sized chocolate was always going to be 250 grams." - Pete Burrows
• "It sounds like these really caring companies out there are trying to encourage me to do that." - Ben McEachen
• "Smaller isn't cheaper really. That's probably what we're going to get." - Pete Burrows

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Win a copy of the book by Gemma Mitchell here:
Hope1032's Win Page

Head to the previous episode in this pod to have a listen to Gemma share wisdom from the book.

If you want to purchase a copy for you and your family (GREAT CHRISTMAS GIFT, just sayin') head to Amazon Australia here!

Hurry competition closes 5th November 2025!!

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.

Gemma Mitchell is a seasoned financial advisor and the author of The Money Reset. With over 15 years of experience in the financial industry, Gemma has transitioned from traditional financial advising to managing a team of advisors while focusing on large-scale educational initiatives. These include corporate workshops, podcasts, and writing. Her mission is to make financial advice more accessible and to help individuals in difficult life transitions take control of their financial future. Gemma is also a co-host of the Australian Finance Podcast, where she shares insights into financial management and planning.

Key Takeaways:

• Personalized Financial Strategies: Gemma emphasizes the importance of tailoring financial plans to individual circumstances rather than relying on one-size-fits-all solutions.
• The Power of Awareness: Knowing your starting line and acknowledging financial realities are crucial steps toward effective money management and making informed decisions.
• Emotional Aspects of Finance: Understanding and balancing the emotional aspects of financial decision-making can prevent overwhelm and encourage sound decisions.
• The Importance of a Village: Surrounding yourself with a supportive network of advisors, mentors, and cheerleaders—the 'village'—is key to financial resilience.
• Income Potential vs. Expense Cutting: Recognizing both the need to manage expenses and the potential to increase income can help stabilize finances during crises.

Notable Quotes:

1. "Just because you can do something, it doesn't mean you should." - Gemma Mitchell
2. "It's not about being perfect; it's just about making progress." - Gemma Mitchell
3. "You have to decide that you want things to change, so you're not stuck." - Gemma Mitchell
4. "Awareness is the most important thing, and you don't have to change everything overnight." - Gemma Mitchell
5. "Your village doesn't need to be big, it needs to be strong." - Gemma Mitchell

Resources:

• Gemma Mitchell’s Book: "The Money Reset"
• Australian Finance Podcast: Co-hosted by Gemma Mitchell
• Money, Faith, and Finance Podcast: YouTube Channel

Got a question, comment or personal story to share? Send it through at hopepodcasts.com.au. Ben and Pete will get stuck into it on a future episode.

Pete Burrows is an accountant for small business and individuals with Lower Russell and Farr in Penrith, Western Sydney, Australia.

Ben McEachen hosts Hope Mornings on Hope 103.2FM in Sydney, Australia.

Support the show, a product of Hope Media: https://hope1032.com.au/donate/2211A-pod/

See omnystudio.com/listener for privacy information.