Brendan Malone

speaker

224 appearances 1 recordings 1 series first heard Nov 2020 last heard Nov 2020

Brendan Malone’s voice in public audio — every appearance, attributed to the second.

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Australian Finance Podcast · How to invest with just $5 (micro-investing in Australia) · 2 Nov 2020 podcast

70% of our customers surveyed say, yes, I've got a budget, but I haven't kept to it.

Or people say they build a budget and then whatever's left over the month, then they'll invest.

Never happens, never works.

But by using a function or an automated savings, either the roundup function or a reoccurring deposit, that savings is happening inside the budget, not to the right of it.

Yes.

Yeah, well, look, I'm old school, so I know the old cash economy and you'd go buy something and the change would end up in the ashtray in the car.

This is the virtual loose change or the virtual ashtray or the vase at the front door that everybody throws their coins in.

Mentally in my head, I'll go, okay, I've got $30 or $40 to spend today.

I buy a coffee for $4.50 or $4.80.

For ease, I'm saying that's $5 in my head.

So I've squirreled away that $0.20.

And at the end of the day or at the end of the week, those little small amounts add up.

multiply that on the compound effect over the years, it can make a significant difference.

Yes, yeah, and the old money box.

I hated the one that had the lock on the bottom of it.

I think the biggest one is to try it.

You know, I see a lot of customers come in, they put in $10 and they withdraw $10.

And for me in the business is to make sure we're customer centric or, in other words, we say what we do on the tin.

Yes, your money is accessible.

Yes, your money is available in case you need an emergency fund or

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