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# Conscious Money

Today. Tomorrow. Together.

## Sitemaps

- [XML Sitemap](https://consciousmoney.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Understanding Deductible and Non- Deductible Debt](https://consciousmoney.com.au/understanding-deductible-and-non-deductible-debt/) - [et_pb_section fb_built=”1″ _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Debt is often a scary term for many which is good but there are better ways to look at it as and better ways to structure it. Many are not aware of the real
- [Managing your Financial Health and Wellbeing](https://consciousmoney.com.au/managing-your-financial-health-and-wellbeing/) - [et_pb_section fb_built=”1″ _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Financial anxiety is genuine and can’t be ignored. The feeling that you are not investing enough with your money, the guilt of spending money on a particular luxury
- [Life is complicated, your finances don’t have to be ](https://consciousmoney.com.au/life-is-complicated-your-finances-dont-have-to-be/) - [et_pb_section fb_built=”1″ _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Many young people think it is too early to start thinking about saving for the future, or they don’t think about it at all. Then there are money
- [Managing your finances this festive season](https://consciousmoney.com.au/managing-your-finances-this-festive-season/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Last Friday as I was walking home, I was a bit puzzled to see huge crowds in the city. After being in Australia for over a decade, for the first
- [It’s all about managing your budget](https://consciousmoney.com.au/its-all-about-managing-your-budget/) - [et_pb_section fb_built=”1″ _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] “If you buy things you do not need, soon you will have to sell things you need” – Warren Buffet Growing up, I always wonder how do many people spend their money on things
- [Culture and Financial Management](https://consciousmoney.com.au/culture-and-financial-management/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] While travelling across South East Asia on my holidays, I came across a fascinating behavioural cycle in people – in that, other people’s behaviour matters. People are encouraged to do something or commit to a plan

## Pages

- [Home](https://consciousmoney.com.au/) - Today. Tomorrow. Together.
- [About Us](https://consciousmoney.com.au/about-us/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/Rectangle-52-3.png” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] About Us [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Who We Are” _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” border_width_all=”3px” border_color_all=”#B58D40″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” custom_padding=”0px|20px|0px|20px|false|false”
- [Terms & Agreement](https://consciousmoney.com.au/terms-agreement/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/terms-scaled.jpeg” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] Terms & Agreement [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”] Website Disclaimer 1.
- [Privacy Policy](https://consciousmoney.com.au/privacy-policy/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/1_c4RnfyqbmMr3vdtxCQKnoA.jpeg” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] Privacy Policy [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Privacy Policy” _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”2″ admin_label=”Row” _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default”
- [Contact Us](https://consciousmoney.com.au/contact-us/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/03/pexels-chepte-cormani-1416530-scaled.jpg” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] Contact Us [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Contact Form” _builder_version=”4.19.4″ _module_preset=”default” background_enable_color=”off” max_width=”1600px” module_alignment=”center” background_last_edited=”on|phone” use_background_color_gradient_tablet=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.19.4″
- [Financial Solutions](https://consciousmoney.com.au/financial-solutions/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/Rectangle-52-1.png” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] Financial Solutions [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_row admin_label=”Row” _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Text” _builder_version=”4.19.5″ _module_preset=”default” text_font=”Montserrat||||||||” text_text_color=”#000000″
- [FAQs](https://consciousmoney.com.au/faqs/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/Rectangle-69-1.png” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] FAQs [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQs” _builder_version=”4.19.5″ _module_preset=”default” background_color=”#2D3B48″ global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|desktop” _builder_version=”4.20.2″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”75px|75px|75px|75px|false|false” custom_padding_tablet=”0px|0px|0px|0px|false|false” custom_padding_phone=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion open_toggle_text_color=”#A65D34″
- [Blogs](https://consciousmoney.com.au/blogs/) - [et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.20.2″ _module_preset=”default” background_color=”rgba(0,0,0,0.3)” background_image=”https://consciousmoney.com.au/wp-content/uploads/2023/02/pexels-pavel-danilyuk-8425415-scaled.jpg” background_blend=”overlay” module_alignment=”center” min_height=”530px” min_height_tablet=”530px” min_height_phone=”530px” min_height_last_edited=”on|desktop” custom_css_main_element=”display:flex;” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”60px” header_line_height=”75px” header_font_size_tablet=”60px” header_font_size_phone=”46px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”] Blogs [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.20.2″ _module_preset=”default” background_color=”#f4f4f4″ custom_margin=”||-100px||false|false” custom_padding=”||100px||false|false” custom_padding_tablet=”0px||50px||false|false” custom_padding_phone=”||50px||false|false” hover_enabled=”0″ custom_css_main_element=”padding-top: 0 !important;” global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on”

## Categories

- [Uncategorized](https://consciousmoney.com.au/category/uncategorized/)