I wish I was taught that at school

Emily shares a fantastic quote in today's Chalk Talk, "the person who says it cannot be done should not interrupt the person who is doing it."There are many takeaways from this quote:Instead of interrupting and putting down a person for trying, could you perhaps come from a place of learning and understanding?Is your disbelief a reflection of your own insecurity?Every time something is done for the first time, it has never been done before!Evelyn also discusses the concept of the four minute mile "barrier". The first time it was broken was in 1954, after seeming impossible. Only 2 months later, it was broken again. Now it has been broken by over 1,000 athletes.Moral of the story - things will always seem impossible until they are achieved.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_walla

Dianna Daou is an academic coach and founder of True Coaching.When Evelyn and Emily heard True Coaching's vision - to coach students on study strategies and techniques not taught through the traditional schooling system - it screamed PODCAST to us!Dianna is fascinated in learning how we can maximise our brain's natural ability to process information.In this episode, we discuss some fantastic techniques and transferable skills from school to workforce, or life in general:The rule of retention - how often should you study/review new information?The importance of proper communication skills, especially lateral communication.How to "win the game" of exams and assessments.The importance of time management.Dianna aims to change the mindset of her students to look at the CONTEXT of their learning, not just the CONTENT.A very thought provoking discussion that sheds some perspective continuous learning and transferable skills not only in school, but life in general.You can reach Dianna via her email: dianna@truecoachi

What does your reputation say about you? It is congruent with how you want to be perceived?Emily shares a great quote around your reputation being built off what you have done, not what you intend to do.Evelyn then takes this further by reflecting on the impact of actions over thoughts or promises with no action behind them.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Last week, Evelyn explained the process of obtaining a pre approval to buy your first home. This week, Emily gives some expert tips into securing the right home.These episodes provide a snapshot into our First Home Buyer Seminars in Melbourne, where we provide a more in-depth overview of the process, answer your questions directly and discuss specific examples.Part 2: Now you are pre approved, it's time to search and secure!How do I research the current market and existing stock?What to do at an open home and some tricks to look out for.How should I interact with real estate agents?How many inspections should I attend?Tips on floor plan and location.What is the difference between an auction and private sale?Getting a contract reviewed and submitting an offer.When is the deposit due?Important pre settlement tips.What is settlement and who is involved?If you would like to express your interest in attending our next First Home Buyer Melbourne Masterclass, please send us an email!Don't forget to follow us on our

In this Chalk Talk, Evelyn and Emily discuss the concept of diversifying your income through multiple streams.There are so many creative ways to do this now, especially given the technological world we live in.Ultimately, creating an asset that produces an ongoing income is a great way to not only supplement your "day job", but build a long term future.We encourage you to go back to Episode 108 where we interviewed Paul Benson on investing in shares and starting a side hustle.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Have you ever told yourself, "I'm great at keeping on top of my fitness regime! But shocking when it comes to controlling money management..." Or perhaps the other way around?Emily recently attended a business event which opened her eyes to one simple way to change this.If you have fantastic fitness habits, there is NO reason why you can't have fantastic finance habits too!Follow Calvin Coyles here for future events.Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Over the next two weeks, Evelyn and Emily take you through a two-part series on how to buy your first home.These episodes provide a snapshot into our First Home Buyer Seminars in Melbourne, where we provide a more in-depth overview of the process, answer your questions directly and discuss specific examples.Part 1: From the initial decision to buy, to obtaining your pre approvalWhat is a mortgage broker? Why would you consider using one?Step 1 - When is the right time to sit down with your mortgage broker/banker?Step 2 - How much can I borrow? What does a bank look at to determine this?Step 3 - How does this then transfer into a purchase price?Step 4 - Putting an application together for pre approval.Step 5 - When you find "the one", how is your pre approval converted to formal loan approval?Terms discussed:If you are confused about any of the following terms mentioned in this episode, or wonder how they may apply to you, feel free to reach out to Evelyn!Assets and Liabilities, Borrowing Capacity, Lenders Mor

We have created a list of 9 top tech tools to help you in your business. Share this list with your audience, and let us know what other free/paid apps and tools you use that make be beneficial to others.Canva - free and paid versionVidwiz - similar to Canva, for 30 second videosUnsplash - stock imagesGiphy Capture - make free GIFsFiver - find a freelancerAirtasker - task outsourcing platformBitly - shorten a URLHeadline Analyser - score your headline for click-baitAnswer the Public - content idea generatorDon't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

In this Chalk Talk, Emily discusses the idea of spending money to make money. Some may label this 'investing'.Specifically, Emily shares an example demonstrating how you may choose to spend money on 'non-dollar-productive tasks' to afford you more time to complete tasks that bring in revenue.What do you trade off in your life or business in order to spend more time on 'dollar-productive' tasks?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

With an ATAR of 28, how did Christian Gravias produce a viral property video and land as Director of the incredibly successful Collings Real Estate?Christian is a prime example that all you need to succeed is a lot of hard work (yes, a lot) and a little thinking outside the box.This episode covers an enormous variety of topics. You are going to want to take some notes!Starting with Christian's schooling background, we discuss where his initial interest in real estate came from. Then fast forward to the importance of maintaining Collings' culture in his now team of 10.You will also hear:The first question Christian asks every employee candidate in an interviewHow Christian has used social media authentically (Click here to download Gary Vee's guide to 64 pieces of content in a day)Why you NEED to get on videoDon't let the fear of other people's opinions stop youWhere Christian's drive and motivation comes fromWhy Christian sets goals he believes are so crazy they are almost unachievableChristian's online platf

Do you sit down or stand up when you eat?Have you every considered that your brain may actually be processing each of these in a different manner?It's the same when eating with distractions. Is your brain focussing on digesting food, or scrolling through Instagram?A little reminder to be PRESENT. Sometimes we simply forget. Other times, we think we could be achieving more by multitasking. What is better for your health?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Emily was inspired recently by a Facebook video which compared the attitudes towards others of two employees.Both employees were going for job promotions. One was only nice to their upper managers, the other was nice to everyone in the organisation, including the cleaner.What do you think happened next?This Chalk Talk discusses mutual respect. Our takeaway, to "pay it forward" regardless of the outcome. Do you act in a particular way with the expectation of being paid back?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Do you sometimes feel you lack clarity or a sense of purpose in your life?Tom Ahern is a councillor and fellow podcaster who's incredible mental health journey started from the moment his AFL dream was dispelled.In hindsight, it was the best thing that could have happened to Tom, however, this is often so difficult to see in the moment - a notion Evelyn and Emily so strongly believe.Tom shares how his 'me-search' lead him to develop a passion for the mind, the brain, and psychology.We dive into the following:Why Tom created his podcast, and believes everyone should!Why the world has 'never been better' and yet, mental health has 'never been worse'.Why it is so important to have a vision for your future.How to live through your values.Where to start if you're feeling lost or lacking clarity.Why it's natural to feel exposed in having your own vision.We recommend you check out Tom's podcast here.You can also follow him on his social media platforms:Tom's InstagramMind Mate Counselling InstagramEmail Tom: mindmat

Evelyn and Emily chat about celebrating and reflecting on your wins. More specifically, we go into discussion on maintaining a healthy level of reflection - not dwelling.Evelyn shares a quote, "the greatest detriment of tomorrow's success is today's success," which she interprets to represent a mental blockage for people's ongoing and continual achievement. What do you think - Is there a healthy level of celebrating success? And when should you reflect on your past?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Emily shares a thought provoking quote:"Great minds discuss ideas,Average minds discuss events,Small minds discuss people."It got us thinking, for our listeners, what do your circle of friends discuss?We believe you need different circles of influence, however, if you are only ever discussing "people", do you need to expand your network?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEmail: info@withevelynandemily.comEvelyn's Instagram: evelynclark_financeEmily's Instagram: emily_wallace_ba

Conveyancing is often confused with surveying, surveyancing, or convincing... Regardless of what you call it, it is actually one of the most (if not THE most) important step in purchasing a property.We sat down with Nicole Faid, Director of Accord Conveyancing, to discuss her role as a conveyancer, as well as sharing some of the weird and wonderful stories throughout her experience.The moral of today's episode is to engage your qualified conveyancer at the right time, and to get any conditions in writing!We cover a number of topics:What is a conveyancer and what do they do?When should you engage a conveyancer?The importance of reviewing a contract BEFORE you signWhat are special conditions, why are they important?Nicole then shares some funny examples where due diligence has gone very wrong relating to fixtures and fittings, accessory titles, goods passing with the property, and the property being in working order at settlement.Lesson learnt - don't assume something is included in (or excluded from) the contr

Today's Chalk Talk is with special guest, Michele Carson, who we recently had on the show to discuss goal setting.Have you ever heard the 'crabs in a bucket' analogy? It is a fantastic metaphor to describe the restrictive feeling of stepping outside your current circle of influence, or circle of comfort.Why?Michele explains, when one 'crab' tries something new, it may trigger a sense of insecurity within the other 'crabs', as if holding up a mirror to their lack of movement and growth.A couple of key takeaways from this talk are:Every time you step outside your comfort zone, you may feel some pull back, and that's ok!Each of your friends may serve different purpose within your life, and that's also ok!The people you surround yourself with should help raise you up, not pull you down. If they are, is it time to find a new circle of friends?Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withevelynandemilyEm

How many 'highways' are in your brain? Evelyn explores the concept of neuroplasticity or brain plasticity through an analogy of creating new neural-highways in our brains.Neuroplasticity is 'the brain's ability to reorganise itself by forming new neural connections throughout life.' Or very simply put, 'the ability to retrain your brain.'Our brain has an incredible ability to continue to form new neural pathways and rewire itself to learn new activities, skills or languages until old age. However, like anything, the more often we train our brain, the better it becomes at picking up new skills!We challenge our listeners to commit to 1 small task every day that increases the plasticity of your brain.Try some of these:Brush your teeth with your non-dominant handLearn an instrumentLearn a new languageTake an online courseAttend an art classRead dailyDance!Don't forget to follow us on our socials:Website: https://withevelynandemily.com/Facebook: https://www.facebook.com/groups/withevelynandemily/Instagram: @withev

Your greatest asset is actually NOT your house, it is your ability to earn an income. So, if we all protect our house with appropriate insurance, why don't we protect our income?We sat down with Melissa Goodman, financial advisor from Carnbrea and Co, to discuss the 'ins' and 'outs' of personal insurances. Don't fret! We've keep this somber topic pretty fun and entertaining.Melissa says the first thing to consider is, "How might your lifestyle be impacted if your income were to change?" Unfortunately, the overwhelming majority of Australians are underinsured.Key topics discussed include:Income protection insurance - what is it, how does it work, and how much am I covered for?What is the difference between cover inside and outside my superannuation?Life, total and permanent disability, and trauma cover - how are they different, is there a minimum cover I need?How often should I review my policies?Is it expensive?Melissa often sees clients who wait for a trigger event to set up their cover. Use this podcast as

Do you reflect on times you have felt proud of yourself? Emily shares a fantastic confidence-building task in this Chalk Talk.All you need is a 100-page book, a pen, and a quiet evening. Now, in that book, write down 100 things you are proud of. They can be as big or as small as you like!Refer back to this book every time you are hesitant to do or start something new - running 5km for the first time, speaking at an important event, going for a job interview, meeting a new client, etc.Draw on the feeling of pride from your small wins to fuel your mind! We promise this will help put you in the right frame of mind for that moment where you need a boost of courage.Why? Our brains actually change when we write down or reflect on our small wins on a regular basis. Having a sense of accomplishment, satisfaction, pride, gratitude - you name it! - all increase our motivation and sense of progress.So tell us, what are you proud of?Share your wins with us on instagram @withevelynandemilyDon't forget to follow us on our