Cash Conversation: My Notes

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At the beginning of this month I spoke at Cash Full Stop’s Cash Conversation panel event in Brisbane with the amazing women, Karen Brading & Megan Morton. I was a little nervous heading into the event because I am only 26 and I thought what do I know? What could I contribute to the conversation?! However I love talking about money and I am super curious so I knew I was in for a good night. To give a little background first up, Cash Full Stop is a Financial Consultant business run by Chelsea Murphy & her husband, Karen Brading is a Private Banker (but I call her a Money Wizard because the word banker dulls her sparkle) & Megan Morton is a Stylist who runs her own business called The School.

I had no intention of writing about the night as I was there to answer questions but I left wishing I had a notepad so I could have written down notes. I was so curious that I would have happily sat up there for another hour just finding out more from these women. But either way I wanted to touch on a few of the things from the night that really stood out to me and that I want to adopt in my life.

Please note; I am only speaking through my experiences as a 26 year old. I am not a financial guru in any way shape or form.

CREATING POSITIVITY AROUND MONEY

CELEBRATING WINS

This is something that Megan spoke about that really stood out to me. She spoke about women she met on her travels, dancing when one of their goods were bought. For her it’s going down to a particular cafe/restaurant after a professional/personal achievement. This is what I have really been lacking in my business (and personal life). No matter what job I get that I am so stoked about or what milestone I hit, I approach it in the worst way. I brush it off and focus onto the next thing. I put my previous work in a box and never look back. This is something I am wanting to change, now. It doesn’t need to be a big thing but since I am not a dancer I think it might be booking myself in a night at my new favourite hotel in Brisbane. Something physical that forces me to stop and take in the achievement. This may help these things sink in and feel like they are actually happening.

DEEP PLEASURES

This again was something that Megan spoke about but definitely connects to my version of success. Deep pleasures are things that do exactly what they say - bring you deep pleasure. It is best if they can a mixture of things that be done without expense to you & things that cost you money. For example I find deep pleasures in; food, the ocean, being around flowers, going for drives, listening to music loudly, being with family, sunlight, my home & travel. As long as I have the freedom to do those things, I am pretty happy. If work is really stressing me out or making me not feel so great, I am able to drive to the flower markets and just walk around them and that alone will bring me pleasure. It helps to keep these things front of mind when it comes to your spending also because if you can look at your expenditure and see that none of your ‘non-essential’ spending is going to these deep pleasures than you are probably wasting your money. Notice going for drives is on my list, but not driving or cars, so for me to spend my money on a nice car does not fulfil any pleasure for me in the longer term.

RESHAPING HOW YOU THINK & TALK ABOUT MONEY

This can be a personal one because I don’t know you personally or how you already do think & talk about money. This was something that Megan spoke about and her upbringing around money was different to mine (as all of ours are). It is about changing the negative narrative around money. That money is greedy or that money is hard to get, that only if you work hard will you get money, you only don’t get money if you’re lazy or one that I probably tell myself - money disappears quickly. That negative narrative has me constantly in fear that I will lose it. Not great. We all have those little negative money thoughts, it is just about realising ours so that we can re-frame them.


IF YOU THINK MONEY = SUCCESS, WHAT IS MONEY TO YOU?

Something I realised over the last year is that money without materialising in some form or another is just a number. So ‘money’ itself isn’t really anything more than a number or data, so what is it to you? What does being in a ‘successful’ financial situation look like to you? As I mentioned above, to me it is freedom. It is the freedom to work for myself, it is the freedom to choose the jobs I want to do, it is the freedom to take a week off over Christmas to spend it with my family, it is the freedom to travel, the freedom to buy fresh flowers, the freedom to live in a house I really like & in a suburb that I enjoy. I would highly recommend you asking yourselves the same thing.

COMMUNICATION & KNOWLEDGE IS POWER

One of the biggest things I tell myself when it comes to money is ignorance is not bliss. Knowing & building a healthy relationship with your money is so so important and the younger you get into the habit of it the better. Know how your spending your money, try and understand your money habits, your weaknesses, how you're investing in your future etc. The more you can keep up that relationship with money the more confident you will become and the less sleepless nights you’ll have dreading it. Historically talking about money has been a bit crass, but I say more the better. Not to brag to drop how much you earn, or how much your house has gone up in value but to instead learn and grow from others experiences. I think is is especially important in partner relationships. To be on board your partners goals, or concerns around money will not only help your relationship but will also strengthen you financially.


HAVE YOUR OWN MONEY

Now I want to re-iterate, I am 26. I have no children, I am not married, I don’t own property. However growing up the way that I did, I know that it will always be essential that I have and control my own money. I know personally, solely relying on someone else financially is just not something I ever want to happen. Not because I don’t trust anyone, but money to me is freedom. Freedom to leave at any point, freedom to spend my money on whatever I please because it is my money or freedom to do the job that I want to do. I don’t want to ever be a position where someone else controls the finances because I feel like that controls me.


saving & investing doesn’t
get you praise.

It’s funny that some of the most performing content on social media is external expressions of wealth. Luxury cars, extravagant travels or luxury goods garner admiration and praise for being ‘successful’. Spending our money is the only way of externally showing our wealth. You can’t put up a photo of your savings account, or your investments. There comes a time where it can feel like everyone around you is doing better than you because they are spending their money on external things and the scary thing is most of the time they didn’t even have the money for those things. Try not to be discouraged or feel the pressure to buy shit just to prove that you’re doing okay. Instead go back up to Celebrating Wins and give yourself praise internally, then maybe we won’t feel the need for the praise externally. I feel like this is a topic I could write more about so let me know in the comments if you have any thoughts around it.


I wanted to thank Chelsea, Karen & Megan for that night & sharing so much wisdom.

I would love to know your thoughts on the conversation around cash & my thoughts from the night below in the comments. As always, if there is anything in particular around the topic of cash that would like me to chat about, let me know.

I did a podcast last year with Your Creative Start around money so feel free to give that a listen for more business finance chat.



December Journal

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The Highs

What a huge month December always is.. not only is it one of the busiest months for the online store but personally as well. A major high this month was the support from my community on my online store. Small businesses often rely on the support in November/December not only to get them through the slower months but it also often means they don’t have to be as stressed when they take a little time off over Christmas (no annual leave pay here!). Christmas is always a high in my books. Christmas for me is always hot, with a bunch of family, too much food, late night board games & Pimms in hand. This year was no exception. As you get older Christmas seems to last longer, this year mine lasted 4 days. I headed up to the Sunshine coast for my Christmas to New Years break and it was pure bliss. Lots of sun, salty hair & varying tan lines. I nailed the Spicy Margarita and Michael, Mum & I had mid-afternoon Margarita sessions. One of my favourite days was NYE. A friend came back from Japan for the holidays so we spent the day with him & his girlfriend at the beach. No exaggeration, 12 hours at various beaches. I walked back to the car after the fireworks with a smile stuck to my face, no word of a lie. Early morning swims to wake up. Realised that I never knew how much I needed shells in my life. Got a Lemon Tree and a Magnolia Tree for Christmas! Wore my new yellow bikini - no regrets. Ate fish and chips on the beach. Made a really good garlic bread with my brother. Had too much fun with a pink magnifying glass that I got with a Drunk Elephant gift set.

New In Review

Lucy Folk Bag. I have been eyeing off the clutches by Bondi based Designer Lucy Folk for the longest time but I knew myself enough to know that I wouldn’t get enough use out of a clutch. However in the latest releases their iconic clutches have come with a handle option which meant it was now a perfect addition for me. For transparency, I am a partner with Shopbop (a stockist of Lucy Folk) which meant I was able to be gifted this bag but it was already on my to-purchase list before this. As much as I love all of their colour ways, I chose the transparent option so that I could wear it with anything therefore getting the most use out of this beauty. It was the only handbag I took away with me and it is guaranteed compliments! In future I would love to also get a longer strap so that I could use it as a cross body bag also. Is it a everyday handbag that you can fit a lot in? No. However I only use small bags because it means I don’t carry around unnecessary items. Shop Here

Glamglow Cleanser. This cleanser was gifted to me mid December from Mecca Cosmetica and it came at the perfect time. I was at the end of my current cleanser and there would be no better time to test it out than over the Christmas / New Year period. Not only because I would be battling my hormonal break outs but also my skin freaks out with heavy sunscreen & zinc use. Boy oh boy though, this impressed me. Since it lightly exfoliates while cleansing, it meant that I was able to give my skin a good clean after a day of heavy lotion use. I would definitely purchase this cleanser once I have used it all up. Shop here.

Op Shop Finds. I didn’t do any online shopping over the break, instead I found myself only purchasing shell & a couple of things from the Op Shop. Honestly I don’t know why anyone would buy new glassware. The Op Shop always has great stuff and I ended up getting a crystal tray & bottle for $3! No regrets there. I also bought a few sea shells, one big boy so that I could listen to the ocean when I am at my studio desk and some to hold my earrings and other small jewellery in. Most homeware stores near the beach will stock shells so keep an eye out.

Yellow Bikini by Fella Swim. Now I definitely didn’t need these, but swimwear is a weakness of mine. I had my heart set on finding the perfect yellow bikini and after many hours searching online, I chose to go with Fella Swim. The thing I love most about Fella swim are their options, in one colour they have 9 different top & bottom styles to choose from which means you will be able to find shapes that suit your body & size. They also make to order for finer adjustments. I went with the casanova top and fell in love with the shape on me. Even though it was a little bit of an unexpected purchase, I don’t regret it one bit. Shop here.


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The Lows

I grabbed my curler by the hot rod part just before heading to my family Christmas. It blistered immediately and meant I had to keep an ice pack on my hand all day to stop it feeling like it was on fire. It took a week to heal. I saw a dog get hit by a car. It was the fucking worst. By the end of the year I get super drained with social media. I was done. I got over standing up for myself then being attacked for it, I got over the critics thinking my life/my personality/my choices are something I need opinions on. That leads me to really needing to refocus and draw boundaries for myself this year when it comes to social media.

If they don’t know you personally, don’t take it personally. I always try to be kind and considerate of how what I do & say can be taken by others so I take it very personally if someone either attacks that or takes what I am doing or saying completely differently. I need to realise that often these responses are self serving. They are to assert their own knowledge, opinions, insecurities etc. They are often nothing to do with you personally. Secondly, I am not a Google Search Engine. I want my audience to be self-motivated, intelligent & curious. Everything you need to know can be found. If I haven’t already written about it on the blog or saved it to my Story Highlights I am sure it can be found on google or youtube. Otherwise I will be most likely writing about it soon.


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How do I stop working?

First day of holidays this hit me, what do I do when I am not working? Netflix was boring me & I didn’t want to go out because I knew I had some full on days coming up. I first thought I would do some Christmas craft activities but then I knew I would want to document and share it which would turn into work. So what do you do when your fun thing turns into your work thing? (not a bad problem to have)

I had to find something that was creative but something that I wouldn’t turn into work. So I did something I wasn’t good at. Illustration. Faces in particular. They are quick and sassy and best yet, they aren’t something I would sell or really talk about at all. A few days in I caught myself thinking about how I could do one a day and post it and then have a collection of maybe try 50 of them before I get back. I managed to try and turn it into work. I caught myself though and abandoned all of those thoughts. Here are six. Creating for the sake of creating. Nothing more, nothing less.

I am not going to write about goals for January because to be honest it is intimidating
and I am not in the space to do so. Maybe next month.

jasmine x

November Journal

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THE HIGHS

So after what feels like forever (but in reality is 4 months) of looking for a new house to lease we found one & moved the first week of November! You may recall me talking about this back in July’s Journal but I normally try trust in the universe (cheese warning) when it comes to houses and how this all turned out really proves that she had our back. We actually drove passed this house back in July when it first was listed, at the time it was on the higher end of our budget and we didn’t think it was worth the look at. Months go by, we miss out on a few houses we liked due to timings and then mid October we were flicking back through our saved properties and to our surprise it was still up and had reduced the price. We had zero expectation and went to the inspection just to cross it off the list really. Surprisingly though when we arrived it gave us a good vibe. Yes it wasn’t perfect but it ticked all of our must-haves which is tricky enough for two very picky people. We applied and were able to negotiate to have air con put in and within a week we had decided to move. We were both worried about the change, especially because I work from home, my home is my security and I depend a lot on where I live for my work (eg. lighting etc). But alas, we are in now coming up to a full month and both could not be happier with the place. Sorry that’s one big high for the month.

I spotted this stunning pink flowered tree while going back and forth between houses (nearly caused me to crash) and I managed to take photos of it before it turned to green 3 days later. We released & restocked our His & Hers photo books and the response was beyond what we imagined, so so grateful. I re-designed and released the 2019 Calendar, even though it is different for me I am obsessed. Finally got in a body of water at the beach and it was pure bliss. Posted my first mirror selfie. Making the time to buy new magazines & make a new mood board for summer. Sneaking in and buying a real Christmas tree before Dec 1. Finding sunflowers & bees at the Botanical Gardens.

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THE LOWS

Being 100% wrecked after the move and backing it up with very long hours of work to catch up on Christmas craziness. Full length mirror fell over and smashed to pieces after some crazy wind last week (teaches me for posting a mirror selfie). Going to design the 2019 Calendar and became bored and uninspired at the thought of another calendar with just hand lettered titles. Disappointing customers by not doing that.

WHAT I LEARNT THIS MONTH

The house doesn’t really make the home. It is the rituals and the people in it that make it home. This was really highlighted to me through the weeks of transitioning between houses. After some feedback last month I have thought about my consumption and perceived consumption on social media. Even though I know I turn down 75% of gifts that are offered to me I understand I could be doing more and sharing more of a conscious approach. I want to go into more depth about why I saved up or bought X & Y rather than showing you in a haul format. I don’t want to ever make you feel like you need to buy a lot or like I am trying to always sell you something. The reasons why I link & use the edit a lot is to try help you guys out when searching for what I am wearing. This is something that I really want to work on in the months & year to come. If there is any ways you think I could do so, let me know in the comments.

GOALS FOR DECEMBER

Try share more back story and process behind my purchases. Again if you guys have any ideas, leave a comment down below. Face my fears of bearded dragons (medium sized lizards) again to try curb my irrational fear. WIND DOWN. It is December, try relax a little. Learn how to make a spicy margarita, leave recipes if you have any!!

jasmine x

Christmas Gift Guide

It is that time of the year & if you’re anything like me you’re already trying to sort out gifting so everything isn’t last minute. This year I have not only put together a gift guide but I have also created a new Gift Edit to try & help you find cool gifts for the people in your life.

It is so important to me that these guides help you shop small this Christmas, which is why there is a big focus on small businesses in this post. As a small business, I know how much this time means to an independent brand. Instead of buying a mass produced, heavily ‘inspired’ product, try your best to shop locally this festive season. Trust me, your purchases mean to the world to the handful of people behind these brands.

GIFTS IN STYLE

When it comes to style presents I always stay clear of clothing and stick to accessories. Accessories mean you don’t have to worry about sizing and you can get some great finds for under $25!

Headwear. There are so many great options around at the moment from a great beret, a straw hat for summer or even a cool headband!

Earrings. Think about their personal style, are they more likely to keep it classic or have a little more fun with earrings?

Bags. Bags don’t need to be designer. With the move to reduce plastic there is no better time to gift someone a grocery bag they will actually want to use.

Underwear. Bralettes are the way to go, they are sexy while still being understated. Can’t go wrong with brands like Love Stories!

 
 

FOR THE MEN IN OUR LIVES

Magazines & Books. I love magazines & books for myself but they are also the perfect gift for the men in your life. If you’re struggling to find magazines, Magnation might be the website to help you out this festive season.

Tech. All sorts of tech do the trick but this HAY x Sonos One in green is too damn good not to mention.

Beauty. Treat the men in your life and luxe up their beauty routine with a new after shave or skin care!

Coffee. Whether it is a coffee machine or accessories I always find pairing it with a bag of coffee does the trick for the perfect gift hamper.

 
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GIFTS IN BEAUTY

Perfume Discovery Sets. To be honest I think these the best gifts. The cost is normally lower than committing to choosing just one fragrance for someone and they are the perfect size to travel with.

Brush Sets & Beauty Accessories. Who doesn’t need new make up brushes?! They are such good value for money and these by Mecca Cosmetica look so damn pretty! Make Up bags are also always a safe bet for a happy girl at Christmas.

Palettes. The palettes that are released at this time of the year always have me weak at the knees. I could not recommend the Hourglass palettes more. They are my favourite powder formula and these palettes will last you years!

 

GIFTS AT HOME

You can not go wrong with gifts for the home, this is probably why most girls I know have at least 5 half-burnt candles in their room at one time.

Candles. As above! At this time of the year I love a Christmas Candle but not the cheesy kind. Lumira has one I am eyeing off that says christmas without shoving tinsel in your face.

Artwork. Not only is it a perfect way to support creatives at this time of the year but it something personal that I can promise your friend will cherish. I have an illustration from an 18th birthday present and it still means so much to me.

Bedding. This is the perfect gift for a lover or a roommate!

Trays. Who doesn’t need a good tray?! They are perfect for everything from beauty, perfume, accessories, incense/candles!

 
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FOR THE TRAVELLER

Personalised Travel Accessories. The perfect gift for someone who is always in the air. Get it monogrammed or stamped with their favourite emoji!

Travel Books. Perfect for someone who loves to travel but doesn’t have any flights booked.

Travel sized goodies. Can’t go wrong with things in tiny packaging.


Please let me know about any small businesses that you think would be perfect to add to The Gift Edit down in the comments as I will be constantly updating that page until Christmas.

jasmine x

October Journal

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THE HIGHS

Where do I even start with the highs from this month?! At the start of the month I flew down to Sydney for the Cosmopolitan Women of the Year awards and this girl took out the title of Creative of the Year!! I have worked from home, (what seems like) alone for almost 5 years so I found this to really be a chance to stop & take in all that I have achieved. Even though I work for myself there are so many of you that are out there supporting and sharing the love for my work which made this award even possible. The trip was made even more special by my mum joining me for the 4 days. Hotel Revesis, a high on it's own merit (more on that below). Spicy margaritas at North Bondi Fish. North Bondi Fish in general. Room Service & Foxtel nights after extremely exhausting days. My mum absolutely nailing being an #instagrammum even though she did take a minute long burst (candids for days). Being by the ocean even just a little bit. Releasing my new artwork collection and it being so well received (thank you thank you thank you). Such interesting discussion around my last blog post: Pressure to be a Girl Boss. It has probably been one of my favourite blog posts from this year that I have written. Finding a house to move into & signing a lease. Donating unused beauty to Friends with Dignity.

SYDNEY TRIP SUMMARY

WHERE WE STAYED..

Hotel Ravesis, Bondi Beach. Without a word of a lie, this was kind of my dream hotel. Firstly the location is perfect. Not too far from the city but right across from Bondi Beach! The interiors are also as if they were designed right out of one of my dreams. Archways, moss green, pink & white everywhere. Everything is so beautifully designed down to the Do Not Disturb sign. It even made me want to buy all the merch available at the mini bar (I had to have the set of playing cards, see above) Their food & cocktails were also really yummy. Can not recommend more!

WHERE WE ATE... Since I was out at the awards most of the first day, and the photoshoot the next we didn’t explore too much. But we did stop at a few worth mentioning.

Sonoma Baking, Bondi. Went here a few times for breakfast & baked treats, 10/10.
Bills, Bondi. My mum had never had the hotcakes so I of course had to take her there at least once.
North Bondi Fish, Bondi. Mum and I had the best long lunch here, their spicy margaritas had me hooked. I still crave them.
The Grounds of Alexandria. I finally got there! My COSMO shoot was actually just across the road so I met up with Mum there after. After two big days of nervousness, I got a big burger and chips and was surrounded by flowers - perfection.

WHAT WE DID…

The first day in town I had the COSMO awards followed by a meeting so needless to say after 3 hours sleep the night before I was incredibly overwhelmed and exhausted by the time we got back to Ravesis. I just wanted to eat room service in bed and prepare for the shoot the next day. I was a little nervous about the COSMO shoot because I had no idea what to expect. What would I wear, would I feel like myself, what if I froze? All of those worries went away once I got onto set. The team was so beautiful and made me feel comfortable and more importantly like myself. The rest of Friday was spent at The Grounds then back at Ravesis for cocktails. Saturday was a big eating day. We went to Bills for breakfast, people/dog watched at Bondi then over to North Bondi Fish for a long lunch. A few cocktails later we headed over to paddington to look around at the single fronted houses & stores. Super Dreamy. Sunday was fly home day.


THE LOWS

The first week of October felt really stressful, I wasn’t in control of a lot that was going on which meant I was a little all over the place and didn’t feel organised. This didn’t last though, as it never does. Not being able to sleep until 4:30AM on the night before the awards. I ended up getting desperate at 4AM, downloaded some sleep story app and listened to someone who sounded like David Attenborough talk about lavender fields. It was quite a rainy month so there was a lot of days that shoots were planned but we couldn’t do them. Realising that we now have to do the nightmare moving part after finding a house. The realisation that I have way too much for one human. A new copyright infringement came up so I am now having to go through that with yet another national retailer. Thought I would get through the year without a major one but no such luck.

GOALS FOR NOVEMBER

Launch the HIS & HERS Italy photo book along with some re-prints of Paris & Japan in Mid November. I also am currently working on the 2019 Calendar for release late November. As I type this I am currently in our new house but my goal for the last week was really just to get through it. It was beyond exhausting so I am really just looking forward to enjoying being in the new space and get re-inspired.

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What happened to you in October?!

J x