Plan­ning helps Rayne shine

Broome Advertiser - - News - Laura Newell

It would be easy to imag­ine that as a for­mer lead­ing West Coast Ea­gles WAG, Rayne Bryant never has to worry about a thing.

But the sin­gle mother-of-three, and the ex-wife of 2006 Norm Smith medal­list An­drew Em­b­ley, says like many con­trac­tors, her fluc­tu­at­ing in­come can cause sleep­less nights.

When asked about her big­gest fi­nan­cial worry, 35-year-old Ms Bryant names the same thing most young fam­i­lies face — balanc­ing the day-to-day ex­penses of rais­ing chil­dren with plan­ning for the fu­ture. “The way I earn money is sort of con­tract work, so I do not have a steady weekly in­come,” she said.

“One minute I could have a few grand in my sav­ings ac­count and all my bills are be­ing paid, then the next minute, wow, a cou­ple of my clients can­not pay their ac­count and I am back to square one.”

With three busi­nesses, Ms Bryant is no slouch when it comes to be­ing fi­nan­cially savvy, say­ing it’s all too easy to be­come com­pla­cent so it is im­por­tant to fu­ture-proof fam­ily fi­nances.

“I’m try­ing to get used to the sin­gle life and pro­vide for my three chil­dren,” she said. “Keep a roof over their head, keep the lights on and make sure they can do all the af­ter-school sports they want to do.

“I think ev­ery­one (with a young fam­ily) will say ‘I will do it next year, as I am not ready yet’. But if you don’t start putting things down on pa­per or speak­ing to some­one, then it may never even­tu­ate and you may get stuck.”

De­spite the day-to-day pres­sures on her fi­nances, Ms Em­b­ley is aware of the need to plan for the fu­ture.

“I come from a place where I try not to worry, but I am im­ple­ment­ing plans so that I do not worry,” she said.

“I feel like the more or­gan­ised that you are, ... the bet­ter you can feel about mov­ing for­ward and the fu­ture.”

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