Kellie Pamic has experienced all levels of the income ladder, always finding a way to make it work – so she knows what is really possible for her clients too.
Living out of home very early, Kellie found herself suddenly standing on her own two feet, managing independence in every way including day to day money management. Learning very quickly how to look after herself and manage a meagre budget from the outset whilst continuing through school was not easy. It gave Kellie some real life experience that has ultimately shown her how to be the Chief! She learnt early to depend on and trust herself to make good decisions, and if they weren’t good decisions, to own it and just get on with making a better one.
As a single parent, and later with her husband and growing family, Kellie learned how to budget effectively – like most people – dealing with the overwhelming sense of having to provide for now and into the future, and balancing the work she needed to do to make that happen. All the while, Kellie was making sure she had enough time to create a good life for herself and her family.
“I have been pretty lucky in life. I consistently earned enough to do the things I wanted, bills got paid, the kids went to good schools and life was okay,” Kellie explains. “I was comfortable with life – probably because it hadn’t always been this way.”
She did feel as though she was running on a bit of a hamster wheel, working really hard, earning good money but never really ‘getting’ anywhere. Then a few years ago, her family was hit with an unexpected $150k bill, which threw Kellie for a six.
“I realised it was time to dig deep and really sort my finances out. Now this might seem ridiculous, but as an operations manager for most of my 20 year career, I have successfully managed budgets and cashflows worth significantly more per year than had come in and out of my household in the past ten years,” Kellie says.
“However, much like the electrician with faulty lights in his house, I had never fully applied my financial management skills and focus at home.”
Using her strong background in budgets, cashflows and operations and thousands of hours reading everything she could get her hands on relating to personal finance, the penny dropped when she came across personal budgeting software that used cashflow principles and was easy to use.
It was the foundation skills, the ones Kellie needed to start feeling in control and heading towards the goals she had set for herself. In under 12 months, their financial situation hugely improved and they continue to kick goals today.
We have partnered with Award Winning Spending Planner Carolyn Moes to deliver a range of online and live programs.
Carolyn assists people to take charge of their personal spending with the aid of specialised software and programs. Through training and education Carolyn empowers people so they can pursue the things that are important to them. Her mission is to see people set free from money stress and conflict and realise their goals and dreams.
Carolyn has taken clients from 80k debt to home ownership in two years.
Carolyn and Kellie are both Certified Spending Planners and current members of the Spending Planners Institute.
Kellie has managed a variety of organisations in the commercial, property management and services sectors in a career spanning more than 20 years. Finally, this experience and her passion for teaching others has driven Kellie toward the creation of Money Chief in 2016.
Read more about Kellie’s experience here on LinkedIn.
As Money Chief grows we will be employing the services of financially skilled spending planners across Australia, specifically training them to provide mentoring and guidance to people from all walks of life throughout the Money Chief program. Get in touch if this sounds like you!