Values are the behaviours and activities that guide our actions. They give us meaning and purpose for our life, acting as a compass for the direction we want our life to go. A value is something you believe is important in the way that you live, work, spend time, and money.
June 22, 2020
Values are the behaviours and activities that guide our actions. They give us meaning and purpose for our life, acting as a compass for the direction we want our life to go. A value is something you believe is important in the way that you live, work, spend time and money.
Values are super-significant, even if we’re often unaware of them. Our values come from the environment in which we grew up, our family conditioning and unconsciously drive our actions.
Knowing Your Values Is Vital
When we know our core values, our finances, and life becomes much easier to navigate. Values drive our actions as to how driven you are to work for it, how much we need and why you spend, save or invest it.
Understanding our values is fundamental to making our money working efficiently for us.
When we are clear on what our values are, it gives us a solid and guiding foundation which we can rely and draw upon to make decisions in our life when things are going well and not so well.
Whether you realise it or not, you’re making choices on how you spend your money and time every moment. These decisions range from the significant and essential to the mundane and barely recognisable ones, we wouldn't even classify as choices.
When we look at it like this, shouldn't our values always guide and be the test for how we manage our money ?
We're all human, so most of us are conditioned to look outwards to be fulfilled. The key is first to look inwards and ask yourself – 'what are my values ?' Without knowing and living by our values, we can be influenced by society, media, and marketing in ways that don't align with what's truly important to us. Have a look at your bank account and credit card transaction history, they’ll tell you a lot about your values.
If you’re feeling dissatisfied, it’s a good signal you’re making decisions based on someone else’s values than your own.
Does your money flow in the direction of what you value ? If not,it might be time to review your values and how you’re using your money.
Money is merely a tool. It can take you wherever you wish, but it won’t get there without your directions.
Warmest,

The Medicare Levy Surcharge (MLS) is an additional tax for higher-income Australians who do not have eligible private hospital cover, making private health insurance a worthwhile financial consideration for many. For the 2026–27 financial year, individuals earning over $105,000 and families earning over $210,000 may pay an MLS of 1% to 1.5% of their income, in addition to the standard Medicare levy. While private health cover can sometimes cost less than the surcharge itself, the decision should also consider factors such as policy benefits, excess, Lifetime Health Cover (LHC) loading, and personal healthcare needs. As income increases, private health insurance becomes not only a health decision but also an important tax and cashflow planning consideration.
Read MoreMany of our most important money habits aren’t learned in school—they’re shaped at home, often through the quiet influence of parents, especially mothers. Through everyday conversations, behaviours, and life experiences, children develop their understanding of money early on, including how to spend, save, and make financial decisions. This article highlights essential lessons such as spending less than you earn, saving consistently, understanding needs versus wants, and making calm, thoughtful decisions. More importantly, it emphasizes that money is a tool—not a measure of self-worth—and that teaching these habits isn’t about perfection, but about consistency, awareness, and leading by example to build confidence, responsibility, and long-term financial independence.
Read MoreThe price of daily living has gone up — we’re all feeling financially fatigued: groceries, fuel, insurance, energy… it all adds up. So, let’s explore some simple, practical ways to make your money go further.
Read More