Financial freedom is more than the accrual of cash and assets.
— Liz Hardie

Like many middle-aged women I can label myself in a variety of ways - researcher, wife, home-owner, mother, investor, cyclist, daughter, consumer...

What's a quick financial tip you'd like to share?

Have targeted savings plans - link the short, medium and long-term goals to your income/saving patterns

What would you tell your younger self about money? And why?

People value things in different ways

What are some of your earliest money memories?

1) My parents' découpage box full of 100s of foreign and old coins that we used to categorise by country, year, type, shape and other attributes. 2) My step-grandparents giving us old medicine bottles full of copper coins every few months. 3) School banking

Please share a story that taught you something about money - what have you learned?

Mixing money, matrimony and middle age is messy. When travelling in a developing country - Thailand - my husband and I had very different expectations about how much and where to spend money. He continually translated the costs in Australian dollars and framed the local Thai business-owners as needy and worthy recipients of gratuities and tips. I on the other hand focussed on the social mechanisms of negotiating prices in advance, not changing the price or tipping after agreeing to the price, and spent more time comparing the prices and attributes of the products and services available. The experience highlighted how influential your upbringing, life experiences and perceived future earning potential are on how you frame value, price, savings, expenditure, financial regulations, transactions etc.

How would you define financial freedom?

Financial freedom is more than the accrual of cash and assets. It is the freedom to be who you want to be, and the knowledge of how to make it happen and the autonomy to be able to do it.

Tell us anything else you'd like to share about money

Having and being able to prioritise different goals, i.e., having short, medium, long-term as well as individual, joint and family objectivities and the means to be able to negotiate them with your partner.


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