The community that makes money bites sized
What does money mean to you?
It might be the bus fare that gets you to the 9-5. The debit card that you tap to get your morning coffee. The credit card that it’s all too easy to whip out when your bank account isn’t as full.
Money means something different to everyone, according to your values, what you want from life or write now and often how it was discussed at home or – if you were lucky – in school.
And part of why our ideas and language around money is so different is that we don’t talk about it. But why can’t we not just get over ourselves and talk about money?
We consider it taboo. We put off the difficult conversations about money with that friend who always seems to have to leave before its their round or the partner whose little habit has a habit of putting your budget out of whack for the month. The problem is that keeping the money topic taboo means that we don’t share our ideas or values when it comes to money and you can end up partnered up with someone who has a completely different set of habits or drivers when it comes to managing their money than you do. Arguments over money are a leading cause of arguments or cause of long‑term relationship break-ups – I don’t know about you but I’d rather talk about money early on in a relationship before some dude with a bad spending habit is entitled to half my stuff.
We consider it rude. Take it from me, some people simply do not like talking about money. I’ve been to a dinner party and been shamed for asking someone how much rent they paid. The frown and stare from the boss when a colleague and I started talking out how much we were being paid. Let’s be clear here, that frown and stare only benefits your boss and the organisation they represent. Because putting shame and a sense of rudeness around even talking about money means that organisations can get away with paying you less than you’re worth on the gamble that you won’t talk about money with the guy next to you who is paid more.
We consider it boring. I’m so guilty of this one. My Dad once tried to talk to me about finance when I hit 20 and was moving to another state for my first full-time gig. I did not listen because I was an Arts major and the term ‘finance’ had me reaching for snooze button faster than I thought possible. Approaching money with the same language depth as a personal finance major excludes people from the conversation because it’s not a language they can connect with – and if they can’t connect with it, they’ll switch off. Money touches the lives of everyone and we need to talk about it in a way that brings more people with us.
We consider it too hard. Money is hard. I spent much of my 20s on autopilot when it came to money, on a super low graduate salary and saving up enough money in the bank so that I didn’t have to pay too much attention to my money. Statements were boring and it felt like an effort to have to shop around for the best savings rate or the best retirement account. I get it, reading through product disclosure statements can be really boring and requires additional effort. It is hard. But when I think about the amount of money I’d have now if my 20-something self had got off her ass and put in that effort, I’d act in a heartbeat. If you haven’t previously engaged much with your money then yes, it will initially be hard to start taking action. But the results and security in having more control over your money are so worth it.
Once I got over my excuses and started taking an interest, I really wanted to talk about money. I wanted to get involved and learn from real people – not just another financial expert. I wanted to see real experiences and learn from others. I waited for that community. But I didn’t find it.
After waiting my whole life for such a community, I got off my ass and started it.
This is Money Bites.
We make money bites sized so that more people can talk about it. We share financial literacy so that more people can enjoy financial wellbeing and eventually, financial independence.
We all need to pay rent or house bills, get an income together to pay those bills and have the money to afford the little treats like that fresh cup of steaming coffee that makes it all worth it.
So let’s start this together. I will commit to sharing these stories with you every week. I will be there. In return, I want you to share it forward. Forward Money Bites to someone you love, your daughter, your friend or partner or anyone who could benefit from talking more about money.
Together, we’ll make money bites sized.