💰 Do you ever get to the end of a pay cycle and realize you have nothing left—right before a bill arrives? It’s frustrating, stressful, and can make you feel like you’ll never get ahead. I’ve been there! Seriously!

In this episode of My Happy Money Journey, I’m sharing the three money moves that completely transformed my financial life.

✅ The Two-Account System – A simple setup that stops accidental overspending and gives you guilt-free spending money.
✅ Investing Over Saving – Why relying on savings alone is keeping you stuck and how to start investing with minimal effort.
✅ The Cash Cushion Strategy – How to prepare for life’s unexpected expenses without stressing or using credit.

These three moves took me from financial stress to security and confidence—without overcomplicating things (because who's got time for that).

🔹 Entourage Finance & Property – Our sponsor for today’s episode. Find out how they can help you grow your wealth through property: www.entourage.com.au

🔹 The Australian Finance Podcast – A great resource to learn more about investing: www.raskmedia.com.au/the-australian-finance-podcast

🔹 ATO (Australian Tax Office) Guide on Investing & Tax Implications – Make sure you understand how tax applies to investments: www.ato.gov.au/investing

🔹 Phoebe Blamey’s Website – Check out my courses, sign up for the newsletter, and get more money management resources: www.phoebeblamey.com.au

I’d love to hear your thoughts on this episode! Comment below, share your experience, or let me know which of these three money moves you’re going to try first.

If you found this episode helpful, share it with a friend who needs to hear it.

Let’s break the cycle of financial stress together.

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