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Bec Dillon-Hensby - Financial Adviser & Money Coach

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Bec Dillon-Hensby - Financial Adviser & Money Coach

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Bec Dillon-Hensby - Financial Adviser & Money Coach, Financial planner, Bendigo.

💸 Financial advice without the jargon
💰Just smart money moves so you can live a great life now AND later
💬 Book a free 15 minute call on our website to get started.

01/03/2026

Over the weekend, the US and Israel launched a joint strike on Iran.

First things first - if you woke up to this news over the weekend and felt a little bit unsettled, that's completely understandable. This is a fast-moving major geopolitical event.

But before you panic, let's zoom out.

Here's what it actual means for your money:

Oil prices may rise. Iran is a major oil producer with significant influence over the Strait of Hormuz - a critical global shipping route through which a large portion of the world’s crude oil passes, along with LNG and LPG. If supply is disrupted, that places upwards pressure on oil prices.

If oil prices do rise, higher costs can flow through to transport, production and eventually consumers - which can keep inflation a little stickier.

Moving to markets, it would be normal to see markets move around a little while investors digest new information. And that's ok - that's markets doing exactly what markets do.

Markets are driven by people.
And people don’t like uncertainty.

When something unexpected happens, investors react to how it feels. That emotion shows up as volatility.

Prices swing. Your balance looks different to Friday.

Uncomfortable? Absolutely.
Abnormal? No.

History tells us that during periods of geopolitical tension, markets often react first and stabilise later.

The investors who usually lose aren’t the ones who stayed invested.

They’re the ones who panicked and sold.

Investing is for the long term. And short-term volatility is the price of admission for long term returns.

Your job right now?
Probably nothing.

Stay the course.
Stick to the plan.
Stop the doom scrolling.

*****
This is general information only. It’s not tailored to your specific goals, financial situation or needs

Before making any big (or small) money moves, make sure it fits your own situation - or reach out and we’ll help you make cents of it properly.

01/12/2025

They say imitation is the best form of flattery, but in my case someone has created a fake facebook profile and reusing my content. They are unfortunately messaging people to join a WhatsApp group for investing. Please note: this is not me, and I would never proactively contact you by message to discuss investments.

They have been reported - if you have received any messages if you could please also report them, that would be much appreciated.

Please note, if you ever receive any unsolicited messages from a person claiming to be me/Making Cents of Money - it is likely not us. Unfortunately financial advisers are quite commonly impersonated. Should you ever wish to confirm anything, please call or email our office :)

03/11/2025

💀 Same energy?
You’re doing all the right things - working hard, saving when you can - but somehow reaching that deposit still feels miles away.

At our free Your Path to Property workshop on Thursday, we’ll break it all down and show you how to:
💰 Set realistic goals and make steady progress
🎯 Build a system that keeps you moving forward (and still lets you have your coffee ☕)

Join us in person for nibbles at the Lake View Hotel Bendigo 🥨 or online from home in your trackies.
📅 Thursday 6 November | 5:30 - 7 PM AEDT
🎟 Free event, but registration essential: https://www.eventbrite.com/e/your-path-to-property-from-savings-to-settlement-tickets-1672409966229?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

30/10/2025

Inflation has jumped again and has likely ruined our Melbourne Cup Day rate cut dreams 🏇💸

30/10/2025

“Just cut out your daily coffee”
Or maybe… don’t 🙄

Buying a home isn’t about giving up every joy in life - it’s about having a money plan that actually works for you.

Here’s how I help clients save for their home deposit without living off baked beans and international roast 🤢👇🏻

Get clear on your goal
Know exactly what you need for your deposit, plus costs, and set a timeframe.

Set up a Money Management plan
Bills, spending, savings - simple structure, serious results. Your deposit grows quietly in the background while life keeps happening.

Automate it.
Transfers go out the day your pay comes in. Because if you wait to see what’s left at the end of the week… we both know how that story ends.

If you’d like help turning this into your real-life plan, join me and Hayley from Proactive Finance Group for a free workshop next week 👇

📅 Thursday 6 Nov | 5:30-7:00 pm
📍 Lake View Hotel Bendigo + Virtual Option
🎟 Free event - spots are limited.

Register here: https://www.eventbrite.com/e/your-path-to-property-from-savings-to-settlement-tickets-1672409966229?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

28/10/2025

Buying a home shouldn’t feel impossible - but between saving for a deposit, juggling work and family, and trying to make sense of the process, it often does.

That’s why Hayley (Mortgage Broker at Proactive Finance Group) and I are running a free, practical workshop to help you go from “we’d love to buy one day” to having a plan to get those keys in hand.

🗓 Thursday 6 November, 5:30pm - 7pm
📍 Lake View Hotel Bendigo

We’ll cover:
🎯 How to set clear goals (and figure out what deposit you actually need)
💰 How to structure your money so your savings actually grow
🏦 What lenders are really looking for
🚫 The common mistakes that slow people down

Come for a drink and some light refreshments and chat with others who are right there in the trenches with you.

And of course, you’ll have the chance to pick our brains and ask questions (anonymously if you like).

It’s completely free - just register here: https://www.eventbrite.com/e/your-path-to-property-from-savings-to-settlement-tickets-1672409966229?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

20/10/2025

Buying a home can feel like trying to solve a puzzle without all of the pieces.

How much do you need for a deposit?
When’s the “right” time to buy?
And how do you balance living your life now while working towards that goal?

It’s a lot - and trawling google doesn't exactly make it easier.

That’s why Mortgage Broker Hayley De Jong from Proactive Finance Group and I are teaming up to host a workshop that helps you cut through the noise and actually make a plan that works.

💡 Your Path to Property: From Savings to Settlement
📍 Lakeview Hotel, Bendigo
🗓 Thursday 6th November | 5:30–7:00 PM

We’ll walk you through the full journey - from setting realistic savings goals and creating a budget that fits your lifestyle, to understanding how home loans really work (and what lenders are actually looking for).

Whether you’re buying your first home or your next, you’ll leave feeling clear, confident, and ready to take the next step.

🎟️ Tickets are free (more money for your deposit - yay!) and limited and we expect this one to fill quickly!

Grab yours here: https://www.eventbrite.com/e/your-path-to-property-from-savings-to-settlement-tickets-1672409966229?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

18/08/2025

✨ We did it - we WON! 🥺

I am SO beyond proud to share that Making Cents of Money was named the winner of the Be.Bendigo and Bendigo Bank Business Excellence Awards in the Emerging and Energised category.

When I first set out to start a financial advice business, I was determined to create a practice that felt different. A place where people feel seen, supported and in control of their money - free from the jargon and judgement rife in the financial advice industry that has put so many off in the past.

My mission has always been clear:
✨ To make financial advice accessible to everyday Australians, not just the wealthy.
✨ To take away the stress, fear and “am I doing this right?” when it comes to money,
✨ To help families enjoy life now, while still building a secure future they can look forward to.

I knew that there had to be a better way, and we're working damn hard every day to do just that. To be standing on stage last week, less than two years in, and receive this recognition feels HUGE.

This award is for our clients - those that trust us with your hopes, your fears and your dreams. You are the reason that we do what we do every day.

To my small but mighty team - thank you for believing in this vision and helping me bring it to life every day. To Simon and my family, your love and support mean the world. And to everyone who has cheered us on, thank you from the bottom of my heart.

And finally, to all the other finalists -congratulations. Starting and growing a business is not for the faint of heart. It takes a lot of courage and sacrifice. I’m in awe of this community, and I was proud to stand in this category alongside of all of you.

This is just the beginning! We’re building something really special here, and I’m so excited for what’s to come.

26/06/2025

Umm... pinch me?! 😮

Making Cents of Money has been named as a finalist in the Be.Bendigo and Bendigo Bank Business Excellence Awards in the Emerging and Energised category. And honestly? We're so damn proud.

Starting this business was never just about giving financial advice - it was about doing it in a way that looks and feels completely different to the traditional model of financial advice. About creating a space where people feel comfortable, understood, and actually excited to take control of their money. No jargon, no judgement, no feeling like you’ve stumbled into a boardroom full of people in overpriced suits speaking another language.

Just over a year in, and I'm so excited to see how far we’ve come. What started as an idea (and if I’m honest, a LOT of frustration with how financial advice usually feels) has turned into something I’m so incredibly proud of.

A huge thank you to our amazing clients and cheerleaders - this wouldn’t be happening without you. And to my incredible small but mighty team who are helping me make this all happen in the background.

Being named a finalist means the world to us. It’s not just recognition for the business we’re building - it’s proof that you can do things differently, stay true to your values, and still make a real impact.

Here’s to shaking things up, doing business differently, and helping more people feel great about their finances!

20/05/2025

The RBA has just cut the cash rate by 0.25%, and the Big 4 banks were very quick to announce they’ll be passing it on in full.

I swear I heard a collective sigh of relief ripple across Australia as mortgage holders got a little breather from the relentless cost-of-living increases that have been a very unwanted guest for the past few years (rude).

A rate cut can be a great chance to:
✅ Review your current mortgage, to ensure that it's best placed and structured for your finances - speak to your broker!
✅ Review your money plan, to factor in the slight decrease to your repayments - where could this increased surplus make the biggest impact?
✅ Check in on your savings and make sure they’re still working hard for you. Whilst those of us with a mortgage love a rate cut, anyone that has money sitting in a savings account is about to get a decrease in how much interest that they're earning, or the impact that saving money in offset had when rates were higher. Lower rates = lower returns (boo!). This is the perfect time to review your savings and investment strategy to ensure that your money is working as hard as you do towards your goals.

Not sure where to start? You can book a 15 minute free call over on our website.

27/04/2025

I’m looking for an organised, people-loving legend to join me here at Making Cents of Money!

If you love keeping things organised, ticking off to-do lists, and helping people, then I’d love to hear from you.

About the Role:
This part-time role (15 hours per week) is based in Bendigo and is all about helping me stay organised and keeping everything running smoothly behind the scenes.

Here’s some of what you’ll be doing:
💻 Checking and responding to client emails
💻 Calling super funds and insurance companies to gather info (you’re not shy on the phone!)
💻 Calendar Management
💻 Helping implement advice and follow up tasks for clients
💻 Answering phone calls and being a friendly first point of contact
💻 Scanning, filing, and keeping things neat and tidy (digitally and otherwise!)

You’d be a great fit if you:
✅ Have a great eye for detail and love getting things done
✅ Are confident with Microsoft 365 (Outlook, Word, Excel etc.)
✅ Are a great communicator and not afraid to pick up the phone
✅ Are organised, reliable, and love helping people
✅ Bonus points if you have an interest in personal finance!

A bit about me - I run Making Cents of Money, a financial planning business helping people feel clear and confident about their money. We're passionate about giving clients a great experience, and I’m looking for our next team member to help me deliver that while keeping things organised behind the scenes.

Sound like you?

Send your CV to [email protected] or shoot me a message - I’d love to chat!

07/04/2025

The headlines this week?
“Markets plunge”
“Billions wiped”
“Bloodbath on Wall Street”

It’s dramatic. It’s loud. It's everywhere.

Let’s take a breath and zoom out. Here’s what’s actually going on:

Trump’s back in office, and he’s brought tariffs with him.

🔸 A blanket 10% tariff now applies to all imports into the US
🔸 Some countries have been subject to even higher rates, like China at 34%
🔸 Some goods (like aluminium, steel & cars) are hit with 25% tariffs.

These tariffs aren’t paid by Australia - they’re paid by US importers. So the cost is worn in the US, not here. Most companies won’t absorb it - they’ll pass it on through higher prices. That’s why economists are predicting a spike in US inflation.

📉 Markets hate uncertainty, and the dips we’ve seen in global share markets are a direct reaction to just that - investors trying to make sense of what comes next in a fast-changing landscape.

There’s also concern about retaliation - China has hit back with its own 34% tariff, and more countries may follow.
If global trade slows, so could the global economy, and that’s making investors nervous.

Negotiations are likely. Trump’s already hinted that he’s open to ‘phenomenal deals’. And if history tells us anything, he’s not afraid to change his mind.

Here in Australia, the direct impact is small. The US made up just 6% of our exports in 2023-24, and according to CBA economists, only 0.2% of our GDP is at direct risk.

Something that we're keeping an eye on is the indirect impact - if major trading partners like China or Japan slow down, that could eventually ripple back to us.

Zooming in right now, everything feels a bit chaotic - and that’s what the media is focused on. But when we zoom out and focus on the long term (which is the approach that all of us are taking), short-term periods like this just become another blip in your wealth-building journey. And that’s the perspective we stay anchored to.

While it might feel tempting to "do something," reacting in times of market volatility often does more harm than good. Stay the course. Stick to your strategy.

If you're feeling wobbly or want to chat about how this impacts you specifically, I'm here - just reach out.

Address

Bendigo, VIC

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 6pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.makingcentsofmoney.com.au/

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