Julian Finch: Surprising money making and saving hacks that will deliver big returns
Announcement posted by Invigorate PR 08 Apr 2026
With interest rates expected to climb further and cost-of-living pressures intensifying, Australians are being warned that simply 'cutting back' will no longer be enough.
According to Julian Finch, households need to shift their mindset fast, from managing money to actively making and maximising it.
"We are entering a period where earning more is not a luxury, it's a necessity," Finch said.
"Rates are going up, expenses are rising and relying on a single income or outdated habits is going to leave people exposed."
Finch, widely known as the 'Money Man' for his ability to help Australians navigate lending and financial strategy, said the households that will cope best are those willing to get creative, resourceful and proactive.
Julian Finch is the founder and CEO of Finch Financial. With decades of mortgage brokerage and commercial lending experience, Finch has helped thousands of Australians successfully navigate the lending process. Finch Financial has one of the highest loan approval rates in the country, often securing approvals within minutes. Considered the Money Man, Julian Finch has helped many people get into the best-fit home loans fast and with minimal effort so they can buy their dream home or ideal investment property.
"This is about squeezing more value out of your time, your assets and your everyday decisions," he said.
"The good news is, there are far more opportunities to do that than people realise."
Your home is not just where you live, it's a financial asset
Finch said one of the most underutilised opportunities sits inside people's own homes.
"If you have a spare room, that is income sitting idle," he said.
"Renting out a room, even short term, can make a meaningful difference to your mortgage and living costs. International students need homestays, why not reach out to schools, universities, colleges and other organisations that arrange short stays."
He said many Australians overlook this option due to comfort or habit.
"But in a rising rate environment, you need to start thinking differently about your assets," he said.
"Your home can work for you, not just cost you."
Turn your spare time into income
Finch said the traditional concept of a single job is rapidly becoming outdated.
"There are countless ways to generate additional income, often with minimal setup," he said.
"Odd jobs, freelancing, weekend work, online selling, it all adds up."
He said even small amounts can have a significant impact over time.
"An extra few hundred dollars a week can be the difference between struggling and staying ahead. Get on Airtasker and other platforms and start to take on additional work," he said.
Sell what you don't need
Finch said most households are sitting on untapped cash.
"Garages, cupboards and spare rooms are often filled with items that are no longer used," he said.
"Selling these can provide an immediate financial boost."
He said this is also an effective way to reduce clutter and reset spending habits.
"It forces you to reassess what you actually need," he said.
Become smarter with everyday spending
Finch said cutting costs is still critical, but it needs to be strategic.
"Focus on essentials first," he said.
"Shop smarter, compare prices, buy in bulk where it makes sense and avoid paying a premium out of convenience."
He also encouraged Australians to rethink discretionary spending.
"Subscriptions, impulse purchases and unnecessary upgrades quietly drain thousands of dollars a year," he said.
Rethink how you get around
With fuel prices rising, Finch said transport is a major opportunity for savings.
"Carpooling, public transport or even consolidating trips can significantly reduce weekly costs," he said.
"For some households, this alone can save hundreds of dollars a month."
He also revealed a lesser-known strategy for travel.
"If you are travelling interstate, call hire car companies directly," he said.
"They often need vehicles relocated and will offer free or heavily discounted rentals if you help move them."
Play the system and get rewarded
Finch said Australians should also become far more strategic with loyalty programs and rewards.
"Supermarket points, credit card rewards and frequent flyer programs can deliver real value if used properly," he said.
"You can reduce grocery bills, access discounts or even secure flights and products for free."
He said the key is consistency and understanding how to maximise benefits.
"This is not about gimmicks, it is about being financially savvy," he said.
A mindset shift is critical
Finch said the biggest change Australians need to make is psychological.
"Too many people are still operating as if things will go back to how they were," he said.
"They won't. Higher costs and tighter lending conditions are here for the foreseeable future."
He said those who adapt early will be in the strongest position.
"This is not about panic, it is about being proactive," he said.
"If you take control now, you create options. If you don't, those options start to disappear."
With rates expected to remain elevated and household budgets under pressure, Finch's message is clear.
"You cannot rely on the system to get easier," he said.
"However, you can become smarter, more resourceful and more in control of your financial future. Remember, despite rate rises, they will eventually come back down and not all published rates are equal.
"Good finance experts are always able to find you a better deal than what banks offer to the general public. I find better deals every day for my clients. You just have to know where to look and which organisation is offering what."
About Finch Financial Services
Based in Hurstville, NSW, Finch Financial Services has been servicing Australian families and businesses with home, personal and commercial loans as well as asset finance services since 2015. Ranked amongst the top five percent of brokerages in Australia according to data from the MFAA, Finch Financial Services is a leading brokerage and family-owned business that specialises in finding its customers loans that are tailored to their needs and goals.