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by Alpha Schulte
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- Today27 min
Ep212 Pay Off Your Mortgage Faster & Make Money
There's one financial concept that quietly decides whether you spend your life paying interest or earning it. Compounding. Most of us learned the word in high school maths, then never had it explained in a way that actually changed how we manage money. In this episode, Alpha walks through both sides of compounding using the loan calculator and Future Projector she built inside the Prosperess app. She shows the real numbers behind paying your mortgage fortnightly instead of monthly (spoiler: same payment, three years saved, $62,000 less in interest), what happens when you find an extra $100 or $500 a month, and how even $50 a month invested can quietly become tens of thousands over 20 years. This is the kind of maths the bank has no reason to walk you through. So Alpha walked you through it instead. What you'll take away What compounding actually is, in plain language The fortnightly repayment trick that saves more than $62,000 on a $500,000 loan What an extra $100, $200 or $500 a month does to your loan term and total interest The difference between an offset account and a redraw, and when each one actually helps you What $50, $100 and $150 a month grows to in 20 years at a conservative 8% return Why it's not too late if you're in your late 40s or 50s Why automation beats discipline every time Mentioned in this episode The Prosperess loan calculator and Future Projector (inside the Prosperess app) The Money Pie framework Vanguard ETFs (referenced as an example of automated investing) 21-day free trial of Prosperess: prosperess.net Quote from this episode "Compounding either works for you or against you. The good news is you actually get to choose which." Connect Website: www.money-madesimple.com.au App: www.prosperess.net
- 1 weeks ago17 min
Ep211 How to Manage Debt Effectively
Episode summary: Debt isn't usually the problem. Confusion about debt is. In this episode, Alpha walks through five things she wants every woman to understand about debt, from what you actually want it to do for you, to how to use a credit card so it earns you interest instead of charging you any. It's a mini masterclass on getting clear about debt so it serves you, not the bank. What's covered: Why clarity comes before action when it comes to money (and why "diving in" and "avoiding" come from the same place) What you actually want debt to do: consume or grow The real difference between good and bad debt, and why the interest rate tells the whole story The habits and identity around repayment, and why the minimum payment is built for the bank, not you How debt and cash flow are the same conversation Using a credit card so it earns interest in your favour Why the things banks don't tell you are usually the things that matter most Resources mentioned: The loan calculator inside the Prosperess app (play with extra repayments, fortnightly vs monthly, lump sums) The future projector inside Prosperess (see what 5, 10, 15, 20 years of small changes actually look like) Check out www.prosperess.net A question to sit with this week: What's one thing about your debt you've been avoiding finding out? Just pick that one. Start there.
- 2 weeks ago23 min
Ep210 Separate Your Business & Personal Finances
If you're a business owner and your business and personal finances are mixed together, or you've handed everything off to your accountant and just hoped for the best, this one's for you. In this episode, Alpha breaks down the practical (and surprisingly simple) framework for managing your business and personal finances as two separate, visible systems. She covers the four key areas: mindset, bank accounts, systems, and the cashflow lifestyle piece. Plus, she shares how the Money Pie concept works in both your business and personal life to make sure the money you earn actually goes where it needs to go. What You'll Learn: Why mixed finances cause more tax debt than almost anything else (and how easily it's avoided) The four-part framework: mindset, bank accounts, systems, cashflow How many bank accounts is actually too many (and where the confusion starts) The Money Pie: how to set it up for both your business and personal life When to use percentages vs dollar figures depending on your income stability How to connect your day-to-day cashflow to actual wealth building Resources Mentioned: Prosperess app: www.prosperess.net Her Prosperity Collective: www.herprosperitycollective.com
- 3 weeks ago16 min
Ep209 How to get Comfortable with Discomfort around Money
Why do so many intelligent, capable women avoid managing their money? It's not because they can't do it. It's because it feels uncomfortable. In this episode, I unpack something that comes up again and again, both in life and with money: learning how to become comfortable with discomfort. Managing your money feels hard, but it doesn't need to be. What it does need is for you to sit in moments of uncertainty, unfamiliarity, and sometimes even self-doubt. And, understandably, most of us avoid these things! Inside this episode, I walk you through: Why discomfort is a sign of growth, not failure How avoidance and procrastination are often just disguised discomfort The role of habits in helping you move through resistance Where knowledge gaps keep you stuck (and how to spot them) Why practicing small, simple actions matters more than "getting it right" How to treat your money like a daily habit (think Duolingo). This isn't about becoming perfect with money. It's about becoming someone who no longer avoids it.
- 4 weeks ago26 min
Ep208 Ways to Save Money
There's a lot of noise right now about rising costs, interest rates, and "cutting back." And for many women, that just adds to the overwhelm. Plus, it reinforces the belief that managing money is hard, time-consuming, and too difficult (which then results in more avoidance). In this episode I take you through the practical things I do to keep the cost of living down. Some things I've been doing for years and others I've added into my daily rhythm. For me it's why I have recipe books - to give me inspiration of what to cook and be a guide to help me reduce the mental load. That's what this episode is designed to be. Instead of complicated strategies, I'm sharing real, practical things I'm doing in my own life to reduce costs, simplify decisions, and feel more in control of my money, without sacrificing quality or enjoyment. Here is what I go through: Smarter ways to manage food costs (without compromising on nutrition) Simple habits that stop overspending before it happens Low-cost (and free) ways to enjoy life, especially with kids How to think differently about interest rates (and use them to your advantage) Why small changes can dramatically shift your financial future. Rather than framing this as ways to "cut costs" and "live within your means", it's about being more intentional with how you are spending money day to day, so that there is some left to help Future-You. Here is where you can find the recipes and resources I talk about in this episode - https://www.money-madesimple.com.au/recipes
- Apr 13, 202620 min
Ep207 How to be Financially Wise
What does it actually mean to be a "wise, wealthy woman"? And why does money feel so much harder than it should? In this episode, I unpack the idea of wisdom, not as something you don't have, but something you've likely been ignoring. You already know more about money than you think. The real issue isn't knowledge. It's the gap between knowing and doing. In this episode we explore: How past stories (like "I'm not good with numbers") shape your financial behaviour Why women often undervalue their own life experience and intelligence The hidden reason you feel overwhelmed (it's not because money is complex) Why focusing on "what next" keeps you stuck, and what to focus on instead The connection between cash flow and wealth (and why most people link them incorrectly) How your nervous system keeps you in financial stress (even when things improve) A simpler, more grounded way to start managing money. Key Takeaways: You don't need more information. You need to start using what you already know in a way that actually works for you.
- Apr 6, 202626 min
Ep206 What Doing Nothing is Costing You
If you've been telling yourself "I'll deal with my money later"… this episode is your wake-up call. Not in a panic-inducing way, but in a real, grounded, slightly uncomfortable truth: Doing nothing with your money is costing you more than you think. In this episode, Alpha breaks down the actual cost of inaction, not just financially, but in terms of lost opportunity, reduced choice, and a harder path later. This isn't about perfection. It's about starting. What we cover: Why time is your biggest advantage (and what happens when you ignore it) The real power of compounding—and why small amounts matter more than you think Income vs growth: what most people misunderstand about investing Why it's NOT too late (even in your 40s or 50s) How to think about money differently depending on your stage of life What diversification actually means (and what it doesn't) Why visibility is the missing piece for most women How to stop overcomplicating money and start taking action Key takeaway: You don't need to have everything figured out. But doing nothing? That's a decision too—and it has a cost.
- Mar 30, 202622 min
Ep205 Build Wealth with the Money You Already Have
"I don't have enough money to invest." If you've ever thought this, you are not alone, but this belief may be the very thing holding you back from building wealth. In this episode, Alpha breaks down one of the most common (and limiting) beliefs about money, that you need more of it before you can start building wealth. She shares why this isn't true, what's really going on beneath the overwhelm, and how small, consistent actions can completely change your financial future. This is not about restriction, discipline, or becoming "good with money." It's about clarity, simplicity, and creating a system that works for you. What you'll learn: Why "I don't have enough money" is not the real problem The hidden reasons women avoid managing money (hint: it's not laziness) How financial noise, comparison, and "shoulds" create paralysis The simple shift from survival mode → wealth-building mindset What investing actually is (in plain English) How small amounts (like $100/month) can grow into real wealth Why consistency matters more than income Practical ways to start, even if you feel behind Key takeaway: You don't need more money to build wealth. You need clarity, structure, and a starting point.
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About Money with Alpha
Welcome to Money with Alpha, where I share simple tips for how to make, save and invest money, while also connecting your values with your lifestyle, so you can achieve the life you really want. You will also hear interviews from real people as they share the ups and downs of their money journey. After all, we are all on a journey and what better way to learn about money, then to hear what hasn't and has worked!
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