Welcome to Your Finance Lounge, a place to learn, understand your money and work out what comes next.
Hosted by finance broker and educator Teressa Fisk, we make finance easier to understand through practical conversations about everyday money, property, lending, business finance, credit, budgeting and more.
With 20+ years in finance, banking and business, Teressa and her guests share knowledge to help you build financial confidence.
Learn. Understand. Build confidence.
General information only. Please consider your individual circumstances.
Have you ever heard a finance term, nodded along… and then quietly Googled it later because you felt like you should already know what it meant?
You’re not alone.
In this episode of Your Finance Lounge, Teressa answers some of those money questions we often feel like we shouldknow — but nobody has ever really explained.
From interest rates, mortgages and equity to credit card limits, pre-approvals, offset accounts, redraw and compound interest, we’re breaking down common finance terms in simple, everyday language.
Because understanding money shouldn’t require a finance degree — and there really are no silly money questions.
If you’ve ever had a money question you were too embarrassed to ask, this episode is for you.
In this episode:
• What actually is interest?
• Interest rate vs comparison rate
• What is a mortgage?
• What does equity really mean?
• Why does an unused credit card affect borrowing capacity?
• Why can you afford the rent but not qualify for the same mortgage repayment?
• Does pre-approval mean you’re approved?
• Offset vs redraw
• Is all debt bad?
• What is compound interest?
Have a money question you’ve been too scared to ask? Send it through — it might be included in a future episode of Your Finance Lounge.
General information only. This content does not take into account your personal objectives, financial situation or needs.
22 Sept 2026
Where Does Your Money Actually Go? A Simple Money Check-In
Ever looked at your bank account and wondered, where did all my money actually go?
You're definitely not alone.
In this episode of Your Finance Lounge, we're taking things back to basics with a simple money check-in. Not a restrictive budget, not cutting out everything you enjoy, and definitely no guilt about what you've spent.
Instead, we're looking at how to get a clearer picture of what's coming in, what's going out, and the spending patterns you might not even realise are there.
We chat about:
✔️ Why it's so easy to become disconnected from our spending
✔️ Looking at fixed, flexible and irregular expenses
✔️ The one question to ask when reviewing your spending: What surprised me?
✔️ Looking for patterns rather than judging individual purchases
✔️ Why realistic savings goals matter
✔️ Choosing one or two changes instead of trying to overhaul everything
✔️ Creating a simple 10-minute money check-in habit
Because financial confidence doesn't come from having the perfect budget. Sometimes it simply starts with understanding where you are.
🌿 Want to do your own money check-in?
Head over to Your Finance Lounge (yourfinancelounge.com.au) and download our Money Reset handout (https://www.yourfinancelounge.com.au/tools-resources), designed to help you take stock of your finances and work out what you might want to focus on next.
You'll also find our free tools, resources and courses to help you keep building your financial confidence.
Explore Your Finance Lounge
Need something a little more personalised?
Our Finance Consults are available for people who want to sit down and talk through their individual position, options and next steps. You can find out more or book through the Your Finance Lounge (https://www.yourfinancelounge.com.au/finance-coaching) website.
Learn. Understand. Build confidence. And work out what's next.
The information discussed in this podcast is general in nature and does not take into account your individual circumstances. Please consider your own circumstances and seek appropriate advice where required.
2 Sept 2026
Ep 24: Business Finance – More Options Than You Might Think
If you run a business, there may come a time when you need access to finance (https://www.yourfinancebroker.co/business-loans/) — but that doesn't necessarily mean something is going wrong.
Sometimes finance is about growth. Sometimes it's about managing cash flow, purchasing equipment, buying your own premises or simply keeping more cash available within the business.
In this episode of Your Finance Lounge (https://www.yourfinancelounge.com.au), Teressa breaks down business finance in simple terms and looks at some of the different options that may be available to Australian business owners.
We cover:
Why profitable businesses may still use finance
Vehicle and equipment finance
Working capital and cash-flow solutions
Purchasing commercial property
Funding business growth or expansion
Whether you need to own property to access business finance
What it means if your bank has already said no
Why different lenders can assess the same business differently
What to have ready before speaking to a broker
And importantly, you don't need to know exactly what type of loan you need before asking for help.
Sometimes the best place to start is simply:
“This is what I'm trying to achieve. What are my options?”
If you've been thinking about investing in your business, purchasing an asset, managing cash flow or taking advantage of a new opportunity, this episode is a great place to start.
Your Finance Lounge — finance made simple. Learn. Grow. Build.
General information only. This podcast does not take into account your individual objectives, financial situation or needs. Lending criteria, rates, fees and eligibility requirements vary between lenders and products.
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