Jessica Irvine - Money with Jess

1 Cover

2 Title Page

3 Copyright First published in 2022 by John Wiley & Sons Australia, Ltd 42 McDougall St, Milton Qld 4064 Office also in Melbourne © Jessica Irvine 2022 The moral rights of the author have been asserted. ISBN: 978‐0‐730‐39823‐3 All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above. Cover design by Wiley Author photos: © Louie Douvis Cover background image: © silverpak/Shutterstock Title hand lettering image: © very‐very/Shutterstock Lightbulb image: © Dashk/stock.adobe.com Arrow image and notebook image: © Anatoliy Babiy/iStock Highlighter image: © OpenClipart‐Vectors from Pixabay. Disclaimer The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.

4 Dedication For Henry xx

5 Introduction How I found financial freedom Why I wrote this book

6 PART I: How to build a healthy money mindset 1 Identifying your money emotions The emotions wheel Where do emotions come from? 2 Seven money thoughts you need to ditch right now Money myth #1 Money myth #2 Money myth #3 Money myth #4 Money myth #5 Money myth #6 Money myth #7 3 It's time to meet Future You … 4 The four steps to financial freedom STEP 1 STEP 2 STEP 3 STEP 4

7 PART II: How to create an annual budget 5 Why you need a budget My quest to design the ultimate household budgeting system 6 My 10 budget categories explained HOUSING Put a roof over your head HOUSEHOLD Make your house a home UTILITIES Connect your home to essential services TRANSPORT Get from A to B FOOD Nourish your body HEALTH Prevent and cure illness EDUCATION Acquire knowledge to boost future income APPEARANCE Influence how other people see you LIFESTYLE Have fun! PROFESSIONAL FEES Pay people to help you 7 Create your very own budget Money in: what is your income? Money out: what are your expenses? What's left? Are you in surplus or deficit?

8 PART III: How to maintain your budget 8 Track your spending How to use the Spending Tracker Why I track using pen and paper 9 Set up Future Funds How to use the Future Fund worksheets How to create your Future Funds How to maintain your Future Funds 10 Check in with your budget each month How to use the Monthly Budget worksheet 11 Q&A with Jess 12 Next steps Staying on track

9 A final note

10 Index

11 End User License Agreement

1 Cover

2 Table of Contents

3 Title Page

4 Copyright First published in 2022 by John Wiley & Sons Australia, Ltd 42 McDougall St, Milton Qld 4064 Office also in Melbourne © Jessica Irvine 2022 The moral rights of the author have been asserted. ISBN: 978‐0‐730‐39823‐3 All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above. Cover design by Wiley Author photos: © Louie Douvis Cover background image: © silverpak/Shutterstock Title hand lettering image: © very‐very/Shutterstock Lightbulb image: © Dashk/stock.adobe.com Arrow image and notebook image: © Anatoliy Babiy/iStock Highlighter image: © OpenClipart‐Vectors from Pixabay. Disclaimer The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.

5 Dedication For Henry xx

6 Introduction

7 Begin Reading

8 A final note

9 Index

10 End User License Agreement

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