New Financial Year Beats New Year's Resolutions: 5 Things To Actually Do This July

Your New Year's resolutions were never going to work, and it's not because you're lazy. You made them drunk on champagne and optimism, on behalf of a version of you with far more bandwidth than you actually have on a wet Tuesday in February.

So if those January money goals quietly died months ago? Good. Let them.

Because it's the first of July. New financial year. New payslips, fresh tax year, super statements landing, and twelve months of real numbers you can finally look at instead of guess at. This , not January,  is the reset that actually has machinery behind it.

In this episode, Mel walks through five things worth doing this new financial year: how to find more cash by looking at both sides of the ledger (not just the lattes), how to clear the bad debt and choose not to reach for it again, why a five-minute conversation about your mortgage could save you more than a year of skipped coffees, how to set one ridiculously specific goal instead of five vague ones, and the cup-of-tea's worth of admin that matters more than almost anything else: checking your super. Plus a bonus for anyone running a business.

No hype. No shame. Just what to actually do next.

What Mel covers in this episode:

Why the new financial year beats New Year's resolutions every time

Finding more cash by asking two questions at once: where can I cut, and where can I bring more in

The four types of debt (bear trap, quicksand, bridge, fast car) and what to do with each

Why clearing debt is only half the job and how to make it stick

The loyalty tax on your mortgage, and how a broker does the shopping for you

How to set one goal so specific a ten-year-old could grade you on it