Gemma Mitchell

Yeah.

So the value of having a money coach or a financial advisor is generally you have somebody there holding you accountable to these things.

If you don't have those services, that's where you've got to build that into your process yourself.

So you might be a self-starter, keep yourself on track.

Maybe you put like a reminder in your calendar that you're going to have weekly, monthly check-ins.

Maybe it's a date night if you're in a partnership.

Or you could maybe your friendship group.

There might be family.

Yeah.

And then not last resort, but then there's things like online communities.

I would just be very careful of the details that you share, obviously.

But there's heaps of, you know, Facebook groups and different things that that might be the only source that you get your free accountability from.

Just be really sensible online.

Yeah.

So with those, don't share your personal details.

Don't say, you know, this is how much I've got saved.

This is where it is.

And also, please don't take financial advice.

The amount of times I read the comments section on Facebook and I'm just like, oh.

But if it's like mindset, keeping you on track with your goals, habits, learning, savings tips and stuff, I think those online forums and communities can be really great and can be your accountability partner if you don't have a money coach.