In the final Wealth Coffee Chat of 2025, mortgage broker Sarah Shome breaks down the RBA’s latest decision to hold interest rates—and why the tone of their announcement hints at possible challenges ahead in 2026. She also unpacks APRA’s tightening around DTI ratios, what it means for borrowers, and why smart financial strategy matters more than ever.
With Christmas spending in full swing, Sarah shares practical budgeting tips to stay in control, reduce financial stress, and keep your savings on track heading into the new year. If you’re looking for clarity, direction, and some clever holiday hacks, this episode delivers a helpful wrap-up to finish the year strong.
Episode Highlights
- RBA keeps rates on hold but flags possible 2026 rate hikes
- Why rising DTI scrutiny could affect borrowing power
- Inflation outlook for next year and what to realistically expect
- How to simplify your budget using the 50/30/20 method
- The importance of reviewing six months of spending to reset financial habits
- Smart holiday hacks to save money without sacrifice
- How rewards programs and “birthday vouchers” can reduce Christmas costs
