Hot Flashes & Cold Hard Cash: How to Stay Financially Fierce Through M

Author: Ali Daddo

Let’s be real: going through perimenopause or menopause can feel like someone cranked up the heat, messed with your sleep, and handed you a to-do list you didn’t ask for. But you know what else it can mess with? Your money — and we’re not letting that slide.

So, whether you’re battling brain fog or just trying to budget without losing your cool, this guide is here to help you stay in control, stay confident, and move closer to financial freedom. Because yes, even while your hormones are playing hardball, your bank account doesn’t have to.

Wait, Menopause Affects My Wallet?

Yep — and the numbers don’t lie:

💰 Australian women are losing up to $60,000 in super because menopause can lead to reduced work hours, time off, or even early retirement.

💼 Around 1 in 10 women leave the workforce due to unmanaged symptoms like fatigue, brain fog, or anxiety.

💔 The national cost? A whopping $17 billion per year in lost earnings and superannuation savings. Ouch.

But you’re not powerless. You’re Aviiana-strong!

5 Fun + Doable Ways to Take Charge of Your Finances

1. Get Up Close & Personal with Your Budget

Start by knowing where your money goes — it’s like tracking your symptoms, but way more rewarding.

👉 Try this free tool: MoneySmart Budget Planner
(Pro tip: Use it while sipping tea in your comfiest robe.)

2. Supercharge Your Super (Because Future You is Fabulous)

Check in with your super fund and see if you’re on track.
Can you add a little extra each month? Even $20 can make a difference.
Look into government co-contributions — free money is our favourite kind.

3. Side Hustle Your Way to Freedom

Menopause may shake up your energy levels, but it’s also a time of reinvention.
Got a hobby? A skill? There’s never been a better time to explore a passion project or freelance gig. We highly recommend the Wellness Program as your new passion project, but you do you.

4. Call in the Experts

You don’t need to figure it all out alone.

Book a session with a financial advisor who gets women’s life transitions.
Some super funds offer this service for free — worth checking!

5. Start a 'Hormone Emergency' Fund

Sounds silly? It’s not. Setting aside even $10 a week can give you peace of mind for those unexpected life/health/wellness curveballs.

And Finally… Find Your Support Crew

Financial independence isn’t just about spreadsheets. It’s also about feeling confident, supported, and seen.

So share this blog with your girlfriends, talk about the money stuff (even the awkward bits), and remember — you’re navigating this like the queen you are.

Join our Peri/Menopause Facebook community of over 14,000 women and start having these important conversations with like minded women.