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Financially Stressed? The Australian Finance System is Rigged - Get Your Quick Fix!
Worrying about money? Credit card debt growing, mortgage repayments feeling impossible, and the cost of living crushing you?
You're not alone.
But did you know...
It's Not You – The System Is Rigged
The Australian financial system wasn't designed to help you get ahead. It's working exactly as intended – just not in your favour.
Here's three examples:
1. Your mortgage repayments maximise bank profits
Banks set up your minimum repayments to extract maximum interest over 30 years. The longer you take, the more profit they make - and boy, are their profits huge!
2. Supermarkets make you spend more
Ever noticed the milk is always at the back? That's deliberate. The layout, the specials, the "buy now pay later" – it's all designed to take your money. And it works, doesn't it?
3. The cost of living keeps climbing
Electricity, fuel, insurance, rates – everything climbs faster than wages. Most of us now spend more than we earn just maintaining a basic lifestyle. Every. Single. Month.
Why "Trying Harder" Doesn't Work
To make things worse, you've probably tried one or more of these with no luck:
Budget apps? They drown you in transactions and categories but don't give you a clear path forward.
Spreadsheets? Numbers, more numbers, and hours of your time for not much result.
Finance Books? Great ideas, sure. But they don't help you take action.
Even cutting out all fun things (goodbye morning coffee, streaming services and Friday night takeaway) feeling miserable, then giving up
They fail because they're fixing the wrong thing.
They ask you to work harder within a broken system instead of showing you how to beat it.
Why "Paying Yourself First" is Gold
Instead of trying to pay bills first, then save what's left over, the MoneyFormula pay yourself first strategy is all it takes to beat the system.
Take money out before it disappears. Automate it. Start small – even $50 a month. Then repeat.
This single shift changes everything. You can start right now, no waiting for everything to be perfect. Any small realistic step is better than none, then you automate so it's guaranteed to happen, then you look at how to take the next step.
MoneyFormula is the personal finance app designed for Australian homeowners to manage mortgages, budget income, tackle debt, and track spending.
And that's exactly what MoneyFormula helps you do: pay yourself first, create a budget, choose your debt strategy, review your spending - simple as that.
Financial Stress Example
Let's take a look at Bob and Jill. They were financially stressed with a mortgage, two credit cards, a personal loan and spending everything they earned.
Within 10 minutes of using MoneyFormula, they discovered over $73,000 in savings. Not by earning more or cutting out life's pleasures. Just by making their money work for them instead of the bank.
And that was just the beginning. They then went on to create a simple budget, test different debt strategies, and do a quick spending review – discovering total savings of $199,234.
From financially stressed to in control, in just four steps.
Ready to Beat Financial Stress?
If you're fed up with the stress and ready for a change then try the MoneyFormula Four Simple Steps today and discover just how easy it is to take control of your money!
See how much you could save on your mortgage and debt using the MoneyFormula 'Pay Yourself First' approach, set up a simple budget in minutes, tackle your debt, and discover your path forward.
Give MoneyFormula a go today and see what you think.
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PLEASE NOTE: The information in this article is general in nature. It does not take into account your personal objectives, financial situation or needs. Please speak to a qualified financial adviser if you need specific advice on your finances.