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Why financial wellbeing is important in the workplace

Improving employee wellbeing is one of the top priorities of HR leaders today. But what many people don’t realise is that 1.2 million households are currently suffering from financial stress. Therefore financial wellbeing is actually what sits at the centre of holistic wellness and has the potential to drive the most significant impact on working Australians. In this post, we’ll explain how to improve financial wellbeing in your workplace. 

Financial wellbeing initiatives to bring into the workplace

Thankfully, there are many financial wellbeing initiatives that you can introduce to your employees. We share some of the most impactful ones below, along with an explanation of how they’ll improve the financial wellness levels of your workforce. 

Novated car leasing

A novated lease allows employees to finance a new or used car by having their employer make payments out of their salary package with pre-tax deductions. With this arrangement, your employee is paying down a certain amount for a specified period of time. At the end of the lease period, they can choose to take out a new lease with a different car, extend the existing lease, or buy the car by paying the residual amount.  

How this supports financial wellbeing:

One of the benefits of a novated lease is the tax break. Since the payments are coming out of your employee’s pre-tax income, your employee’s taxable income will be significantly reduced. Plus, your employees won’t have to worry about things like the goods and services tax (GST), which means they’ll have much more disposable income to use for their other needs. 

Flexible pay 

Flexible pay gives employees the ability to choose when they get paid – instead of following the organisation’s payroll schedule. For example, instead of receiving a paycheck every two weeks, an employee can choose to cash out on a weekly basis or even in real time. The whole purpose of this system is to allow employees to choose a compensation schedule that works for their specific needs and lifestyle. 

How this supports financial wellbeing: 

As you might imagine, flexible pay can ease a lot of financial anxiety for employees. Instead of worrying about whether they’ll receive a paycheck in time to pay rent or cover a credit card bill, flexible pay allows them to access the money whenever they need it. 

Superannuation 

Superannuation is money that’s set aside by your employer for your retirement – on top of your salary and wages. Employers are required by Australian law to make superannuation contributions for most of their employees and typically pay a minimum of 9.5% of ordinary time earnings.

How this supports financial wellbeing: 

Superannuation is one of the best financial benefits for employees because it guarantees that they’ll have funds to use in retirement. Workers can also decide to make additional contributions to their own account or might be eligible to receive contributions from the Australian government, which can further increase the amount of retirement savings they accumulate.

Investment vehicles

There are many investment vehicle options that you can introduce to your employees – from managed funds to share schemes with your own company. Regardless of which ones you make available to your workforce, the most important part is educating them so they can decide which option is best for them. This can be done through training or financial literacy workshops.  

How this supports financial wellbeing: 

Helping employees find ways to invest and grow their money over time will help them in the long run – whether it’s when they retire or run into an emergency where they might need additional funds to dip into. 

Lost super consolidation

It’s possible for employees to lose track of some of their super. This typically happens when they change their job or address. As an employer, you can provide the resources to help workers find their lost super, consolidate it with the rest of their contributions, and identify which account they want their future contributions to go to. 

How this supports financial wellbeing: 

Employees can save money by consolidating their super into one account. Having multiple accounts can accumulate fees, not to mention that having multiple sources of contributions can be difficult to manage. 

Life insurance

The purpose of life insurance is to offer protection to employees and their loved ones in case of an unexpected life event. There are different life insurance products they can choose from that protect them from different types of events – whether that’s a death, a terminal illness diagnosis, or a bad accident. 

How this supports financial wellbeing: 

This is a wonderful initiative for employers to introduce because it gives workers peace of mind when it comes to unexpected life events. The last thing an employee wants to worry about after a car accident or diagnosis is to have to worry about finances, and life insurance is a great safeguard against that. 

There are many effective initiatives that can increase your employees’ levels of financial wellness and – as a result – their overall wellbeing. Simply start with a few of the ideas that stood out to you in this post and go from there. 

If you have any employees who are in need of support, be sure to check out Wellness@Work, a free hub designed to support HR and Australian workers by giving them access to free content.


If you’re looking for an additional HR software to support your business, Flare offers a free onboarding software with employee management and benefits. To learn more, please request a demo.

The top 5 small cars in Australia

Small cars are great for zipping around your neighbourhood and helping you conquer the day. But identifying the best small car for you is no easy task. The best small cars come in all shapes and sizes and at various costs. They also play different roles. For some buyers, space will be the biggest factor, while for others, it could be fuel efficiency or even performance. So how do you choose?

Look no further. We’ve checked out five of the most popular small cars available in Australia so that you can get behind the wheel of your dream car.

1. Kia Picanto

The Kia Picanto is an excellent small car that’s perfect for zipping around town. It’s got a stylish design and is packed with features, making it the perfect everyday car. It has Daytime running lights and alloy wheels and offers excellent safety features, such as Electronic Stability Control (ESC) and Hill Start Assist (HSA).

2. Hyundai i30

The Hyundai i30 is another popular small car that packs a punch. With its sleek, sculpted presence, refined surfaces and precise lines, you’ll be the envy of every onlooker. It also has a range of advanced safety features, including, but not limited to, Forward Collision-Avoidance Assist, Blind Spot Collision Warning and Lane Keeping Assist (LKA).

3. Toyota Corolla

For those looking for something with a bit more power, the Toyota Corolla is an excellent choice. Both the Sedan and Hatch feature seamless technology like Apple CarPlay® and Android Auto™, alongside a stunning design and dynamic performance. The Corolla also comes with a range of advanced safety features, such as the Pre-Collision Safety System and Road Sign Assist.

4. Mercedes-Benz A-Class

If you’re looking for something even more luxurious, the Mercedes-Benz A-Class is a great option. It’s packed with features, such as Urban Guard vehicle protection Plus and Mercedes-Benz User Experience (MBUX), which harnesses the power of AI to make your drive as smooth as possible. The A-Class also comes with a range of advanced comfort features, like heated front seats, climate control, and a panoramic sunroof.

5. Audi A3

Finally, there’s the Audi A3. This luxury small car is beautifully designed and is packed with cutting-edge features such as Audi Active lane assist and turn assist, to the pre-sense front with pedestrian and cyclist detection, perfect for busy city streets. The A3 also comes with a range of advanced comfort features, like dual-zone climate control, heated front seats, and an advanced infotainment system.

There you have it!

So now you’ve seen some of the most popular small cars available in Australia. Whether you’re looking for something stylish to zip around town or a luxury car with all the bells and whistles, there’s something out there for everyone.

Looking to make your car purchase go further? Many of us haven’t been exposed to the huge savings advantages that a novated lease can offer, yet it’s one of the cheapest ways to own and run your car.

How does a novated lease work?

A novated lease is a cost-effective car financing option. With a Flare Novated lease, you can get the car you want now. We bundle up all your vehicle finance and running costs like fuel and maintenance into one convenient before-tax payment. By doing this, you could make significant savings on the purchase price, your income tax, and GST too.

The car you want, now
No deposit is required for a novated lease on eligible vehicles, so you can secure the car you want today. We’ll also speed up the process by sourcing your new car and organising a test drive.

Save on car running costs 
By salary packaging your car with a Flare novated lease, you could enjoy significant tax savings as well as no GST on your car purchase, fuel, servicing, and maintenance.

Get the best pricing
You benefit from Flare’s buying power. Our team of car experts do the hard work to negotiate on your behalf and secure the best deals. You could save thousands through our fleet network on both new and used cars.

Everything is included
You benefit from before-tax savings on all the running costs of your vehicle, so you have nothing left to worry about. This includes fuel, service, maintenance, rego, CTP (NSW), and insurance.

At Flare, all our experts have extensive experience in the industry and know cars inside and out. They can provide expertise and guidance and step you through the car salary packaging process to find, test-drive, and buy the best car for your needs and budget. Chat to us to find out more.

How to charge your electric vehicle: the ins and outs.

If you’re like the majority of drivers, you’re probably curious about making the switch to an electric vehicle. You may have a few questions about how to charge your electric vehicle and what kind of charging station you need. All plug-in EVs in Australia have a lithium-ion battery, but the plugs and connectors can differ between makes of vehicle, meaning not all types of charge points can be used with all vehicles. We’re here to take a deep dive into EV charging and what it means for you.

EV Charger Levels

Level 1 Slow Charger
These plug into a standard 10A power point and deliver a “trickle” charge at about 2kW per hour. The typical cable supplied with an EV is a level one charger, and all you need is a standard power point to plug in and charge away.

Level 2 Medium Charger
This consists of a dedicated charging unit on the wall and can deliver 7.2 kW from a 240V AC single-phase connection. It’s much faster than a level 1 charger and is fast enough for most EV drivers. These are the chargers you want at home and are found in public areas like shopping centres etc.

Level 3 Fast Charger
These are high-voltage direct current (DC) chargers, usually installed at public charging stations such as the Tesla fast charge network. They can deliver from 50kW up to 350kW, depending on the type.

The level of power from the charging point is only one element of EV charging; the other is the type of charging port on the charger and the car itself. These plugs and ports have multiple pins; some are for transferring electricity, and others are data connections used by the car and charging stations to manage the electricity flow in the best way. Some EVs have multiple connection type options.

Types of EV Charging Plugs

Type 1
A five-pin design, also known as J1772 or SAEJ1772 and is mainly found on older models of the Mitsubishi Outlander PHEV or Nissan Lead.

Type 2
A seven-pin design is the standard type used in Australia, and it’s what you’ll find on almost all EVs sold in Australia. Also known as IEC62196 or Mennekes plug.

CHAdeMo
Short for “charge de move”, meaning “move using charge” or “charge and go” in French. This is a fast charger used by several Japanese and some European EV brands.

Combine Charging System (CCS)
Another fast charger type, CCS (Combined Charging System), has two types: CCS1 & CCS2. In Australia, many EV brands have a CCS2 port on the car, also known as a CCS Combo, meaning it can plug into either a type 2 charger or a CCS fast charger. Cars that feature this charger include the Tesla Model 3, Hyundai Ioniq and Porsche Taycan, among many others.

Flare is the leading expert in electric vehicles. We can help you save money and get behind the wheel of your dream car. Our novated lease experts will work with you to find the right EV for your needs and lifestyle, plus show you how to save thousands. Let our expertise and experience make your dream of driving an electric vehicle a reality. 

A novated lease was simpler, convenient, and saved Alexandra money

Alexandra Myers, a Veterinarian Pathologist, recently moved over from the USA and was in the market to purchase a new car to explore her adopted country and make the daily commute to work easier.

With a busy life and a new job, Alexandra felt overwhelmed by the idea of car shopping. In the past, car shopping had been an unpleasant experience where she had visited multiple dealerships, compared lists of options, and was forced to haggle on prices.

She explored a novated lease. “The novated lease option seemed really appealing to me since a) I realised I could use pre-tax dollars toward payments and b) someone would be guiding me through the whole process,” says Alexandra.

Alexandra decided on a Subaru. “We owned a Subaru in the US and loved it, so we knew we wanted another Subaru. My husband is 2 metres tall, and the Forester is plenty roomy for him and has lots of cargo space for our adventures,” she says.

“Our experience with Flare was much less stressful than our previous car buying experience. I told the Flare folks what kind of car we were looking for, and they found the car, got us quotes, and handled the financing and salary packaging aspects. Basically, they took care of everything,” shares Alexandra.

She adds, “I’d recommend Flare Cars to friends or colleagues. For me, the whole novated lease process was simpler and more convenient than the traditional car buying experience, and the Flare folks basically held my hand through the whole thing. They got me the car I wanted delivered to my door, and I can use pre-tax dollars to pay for it which reduces my taxable income.”

Six women on what ‘breaking the bias’ means to them

This International Women’s Day is bringing awareness to bias (conscious and unconscious) in the workplace, and what holds women back from achieving equal rewards, resources and opportunities regardless of gender.

At Flare, we recognise that diversity is an amazing thing, and that it benefits not only the workplace but society at large, and so we celebrate it. We’ve asked six women at Flare to share with us their views on breaking the bias, why it is important, what it means to them, how they’d go about it and where they see other women leading the way.

The theme of IWD 2022 is #BreakTheBias. What does this mean to you?

Katie: To me, it means that we all have the same consequences for our actions and the same rewards for our efforts. It would mean getting to a place where gender and skin colour have the same effect on our careers as eye colour.

Jessica: To #BreakTheBias, I believe, means to never stop questioning; to be on a constant journey of learning and undoing structures that might disadvantage women. It means to advocate for the material change in policies to account for the intersectional nature of the human (and women’s) experience. In daily life, it’s calling out language and behaviours in a safe and constructive way and being conscious of how all the information and media you’re consuming impacts the way you see your reality. This is where I hope we can strive to be. Collaboration and a holistic approach to addressing deeply ingrained biases will be key to our success.

Neda: To me, it’s as simple as breaking gender bias. With so much unconscious bias, even with the best intent, we form them, unaware of the impact they have on individuals. To me, it is understanding we have those unconscious biases and slowly breaking them down and creating greater awareness. That extends culturally as well.

Lauren: To me, ‘Break the Bias’ is the continued advocacy to challenge structural and institutional biases that impact women’s financial security.

We have seen examples of ‘breaking the bias’ with proposals to remove the superannuation income threshold test from 1 July 2022. This proposal removes some of the structural inequalities which exist in women’s access to superannuation, enabling low-income, part-time and casual workers (often disproportionality overrepresented by women), to earn employer guaranteed superannuation contributions.

The structural and institutional biases which exist in financial services, perpetuate women’s financial insecurity. Breaking these biases means educating ourselves and continuing the dialogue on income and retirement inequality, identifying and talking about the legislative gaps that let women down, and empowering other women to share knowledge and increase their levels of financial literacy which is key to attaining a level of financial security.

What would it mean to you to have a gender equal world?

Liz: A world where a person’s gender doesn’t determine the freedoms they experience, their opportunities, their degree of safety and their ability to exercise their basic human rights.

Sam: Feminism often gets a bad rap, even from women but Gloria Steinem once said, “A feminist is anyone who recognizes the equality and full humanity of women and men.” If all men (and women) can proudly call themselves feminists our work is done.

Sarah: To me, a gender equal world is walking into a room and being seen and heard for who you are, for the ideas you offer, automatically given the same respect you give. A world where every room is safe for everyone, of any gender, to freely collaborate in, hold space in, be heard in.

Lauren: The continued existence of violence against women (physical, financial, social, political or otherwise) is incompatible with the concept of a gender equal world.

To me, a gender equal world is one free from violence, from our daily interactions through to our highest institutions. A gender equal world also recognises minority women from all corners of the globe, whose voices are rarely represented in mainstream discourse, and whose lived experiences of gendered violence are significant and vastly different to our own.

Neda: To me equality means accepting all out differences, but not using those differences based on gender! More fluid. No quotas, but also no unconscious bias and not feeling displaced that suddenly we must do the right thing, or say/not say something… It just is.
More conversation, more sharing, more learning.
Not striving to be perfect and censor conversation, but an understanding that we’re equal just as we are different.

What do you believe to be the most effective ways to break biases in the workplace?

Liz: It starts with recognising bias and helping others learn to recognise it. Bias is often unconscious. We can be prejudiced without knowing it. At Flare we have worked to educate our team on unconscious bias. And we actively examine our processes and decisions to understand where bias may arise. Diversity is also crucial to breaking biases in the workplace. You can’t just hire for diversity, you have to build an environment that celebrates it. One of our leadership principles at Flare is “we create safe spaces”. As leaders it is our job to build an environment where every person can bring their authentic self and it feels safe to take on challenges and grow.

Katie: Women are doing everything they can to break biases in the workplace, so the next step is to get all the men involved. Things like being the one to take notes, planning the work holiday party, holding space for us to be heard in meetings, sharing their data and advocating for equal pay, promoting women, being the one to stay home with a sick kid, and calling out bad behaviour by their colleagues will make the workplace a more equitable place for everyone.

Sam: Empowered women empower women! Break the bias in the workplace by spending time with and drawing inspiration from the great women in our lives – colleagues, peers, mums, aunts, daughters, girlfriends. The women that have your back. Call out bad behaviour and support one another. But more importantly, talk about and celebrate equality with the men in our lives too. As much as this world needs to raise stronger women, we need to raise enlightened men.

Neda: Whenever I have been vulnerable or have witnessed someone’s vulnerability, it has been met with compassion and a newfound understanding. I think creating space where we can all be vulnerable, evokes stories and that brings on understanding. It creates further awareness, and all sorts of stigmas are broken down, not just the gender ones.

What are women in your life doing to break the bias?

Katie: They’re unapologetically running for office, fundraising, advocating for women of colour and LGBTQ women, starting companies, getting promotions, investing, educating, parenting, and perhaps most importantly, prioritising themselves by creating space for rest, self-care, and things that bring them joy, so they can keep doing this work for as long as it takes.

Sarah: They are no longer simply ‘pleasing’ others because it’s the ‘safe’ or ‘nice’ thing to do. They are no longer following the rules women are prescribed to, just because it’s what “good girls” do. They are shaking up the status quo. They are pulling up to tables with their own seats and making sure their voice is heard. They are earning more than ever, shattering glass ceilings, paving the way for women of the future. There are more powerful women across roles and industries than ever before because we are capable. We are skilled. We are not just lucky.

Neda: They have found a way to play to their strengths, instead of trying to fit into a gender perception mould of what it means to be successful. They have found their uniqueness and share their learnings, openly. I have also found that those with a greater sense of awareness, especially in positions of power or authority, use their voice for the greater of all, not just some.

This International’s women’s day, we encourage open discussion about bias and how it impacts you at work and home. Our hope is that through awareness, we can identify bias and evolve to appreciate, value and celebrate our differences #breakthebias

What is active listening, and why should you use it at work?

Active listening is the process of fully engaging with someone during a conversation by paying careful attention, asking thoughtful questions, and taking the time to understand what’s being said. This is easier said than done, as active listening requires an immense amount of focus. But investing in this skill is well worth the effort, as you’ll see in our post. 

Why active listening is an essential workplace skill

You may be wondering: Don’t we practice active listening every day? Not necessarily. It’s important to recognise that there’s a huge difference between hearing and listening. The former is a passive process, while the latter is active. We’ll illustrate the difference with an example. 

Let’s say you’re having a conversation with a colleague about an urgent project. When you’re speaking, it’s clear they’re not paying attention – they’re constantly glancing at their phone and not making eye contact. Your teammate also frequently interjects with their own thoughts without acknowledging yours. While this colleague may hear what you say, it’s clear they’re not actively listening. 

Now let’s say you’re having the same conversation with a different team member. This person gives you verbal cues to make it clear they’re engaged with you. They also give you the space to speak and follow up with thoughtful questions to make sure they understand what you’re saying. This is active listening in action.

Seeing these two examples side-by-side, it’s clear why active listening is an essential skill for the workplace. By practicing active listening, you can: 

  • Form better relationships. When you take the time to listen to your colleagues, you strengthen your relationship with them. Having a solid foundation like this makes it easier to collaborate, communicate, and work through problems.
  • Position yourself as a leader. Being a good leader and being a good listener go hand-in-hand. When you can demonstrate that you possess active listening skills, people are more likely to respect you and turn to you for guidance. 
  • Improve your problem-solving abilities. In every role, you’re going to encounter obstacles. How well you overcome these hurdles has a lot to do with your ability to understand the problem – and this can only be accomplished by actively listening to the inputs of your team members. 

5 recommendations to practice active listening

Now that you understand the importance of active listening in the workplace, let’s discuss tactics to incorporate them into your day-to-day role. Here are a few of our favorite recommendations. 

1. Approach the conversation with an open mind

When you enter a conversation with a rigid mindset, it’s unlikely to be productive. You’ll be so focused on getting your own point across that it’ll be difficult to pay attention to what the other person says. Instead, try to approach every discussion with an open mind and be prepared to change your mind. This will make the process of active listening much more manageable. 

2. Use verbal cues

Paying attention to verbal cues is critical to active listening. For instance, you may notice that your colleague frowns when talking about a decision made by the leadership team. This is an excellent opportunity to ask a follow-up question to see what’s bothering them and better understand their situation. 

Similarly, you want to provide verbal cues as well. Nodding, smiling, and making eye contact are all great ways to show your conversation partner that you’re engaged with what they’re saying. This type of body language also makes whoever you’re speaking with feel more comfortable, increasing the chances that they’ll be transparent with you.

3. Ask clarifying questions

A great way to strengthen your active listening skills is to ask thoughtful follow-up questions. By doing so, you’re signalling to the other person that you’re interested in the conversation and are eager to hear the speaker’s message. These clarifying questions also present a great opportunity to deepen your understanding of the discussion. 

4. Be present

We’ve all had the experience of being part of a conversation where we excitedly wait for the perfect moment to interject with an opinion or fun fact. While this is totally normal, it can take away from the experience of active listening. When you’re busy planning what you’re going to say, you’re likely not paying attention to the other person and won’t absorb the information they’re sharing. 

5. Paraphrase

Another great technique for active listening is to paraphrase what the other person is saying. This gives you an opportunity to confirm that you’ve fully understood the message your colleague is trying to convey. If you’re not sure how to do this, try using a phrase like “what I’m hearing from our conversation is that…” And follow up with “am I understanding you correctly?” to give the other person an opportunity to make clarifications. 

Active listening is a valuable skill that can be used both in and out of the workplace. With enough practice, you’ll start to experience the benefits, from forming stronger relationships to improving your problem-solving skills. Use our recommendations to practice, strengthen, and fine-tune your active listening skills.

What is unconscious bias, and why does it matter in the workplace?

Most people say they would never judge a person by how they look, their gender, race, sexual orientation, religion or age. But according to social psychologists at the University of Washington and Yale, 90-95% of people judge people unconsciously. This is known as unconscious bias.

What is unconscious bias?

Unconscious bias are thoughts or feelings we’re not directly aware of, that influence our judgement. They are the attitudes and stereotypes that affect our views, our actions, and our decision-making ability, which we’ve unconsciously created from our own background and experiences. It happens automatically, and is triggered by our brain making quick judgements and opinions of people and situations.

Why do we have unconscious bias?

Everyone has biases, whether we’re aware of them or not. It’s a fundamental aspect of being human. Scientists believe that these quick judgements and decisions can help us navigate the world without being overwhelmed, because the unconscious mind can process more information than our conscious minds. However, the downside of this is that prejudice occurs during important decisions such as recruitment, healthcare and criminal justice which can disadvantage people.

Why does unconscious bias matter in the workplace?

When unconscious bias is present in the workplace it can drive negative impact in the following ways:

  • talented people are left out of your workforce, or not allowed equal opportunity for development and career progression
  • diverse voices aren’t heard in meetings and decisions can be impaired
  • culture is not genuinely demonstrating inclusive workplace principles
  • employees are not able to fully contribute to your organisation
  • creativity and productivity of your team or organisation may be compromised.

Common types of bias at work

Introductions and first impressions

Foundations for first impressions come from our own experiences and sense of the world — what’s familiar to us. Our reactions to someone we don’t know may be positive, negative, or neutral depending on what’s visible or audible about them; depending on their race, perceived sexual orientation, accent or a number of other characteristics.

First impressions are powerful. We need to be aware of the impact that has on the assessment you have when you first meet them.

Stereotypes and performance bias

Performance bias occurs when people who are part of dominant groups, such as being white or male, are judged by their expected potential, while those who are part of less dominant groups such as people of colour or women are judged by their proven accomplishments.

Heidi vs Howard: Gender bias in success and likeability

In 2003 Frank Flinn, a Columbia Business School Professor and NYU Cameron Anderson ran an experiment to test perceptions of men and women in the workplace.

They started with a Harvard Business School case study about a real-life entrepreneur named Heidi Rosin. The case described how Heidi became a venture capitalist using her outgoing personality, and vast personal and professional network, that included many of the most powerful business leaders in the technology sector.

They gave the case study to two classes of students. One class read Heidi’s story and the other class read the same story but with one difference, they changed the name from Heidi to Howard. Then, they polled the students.

Students rated Heidi and Howard as equally competent, which made sense because their accomplishments were identical. Yet while students respected Heidi and Howard, Howard came across a more “appealing colleague” Heidi, on the other hand was seen as “selfish” and not the type of person you want to hire or work for.

The same data, with a single difference: Gender, created vastly different impressions. This experiment supports what research already has clearly shown which is that success and likeability are positively correlated for men, and negatively correlated for women. When a man is successful, he is liked by both men and women. When a woman is successful, people of both genders like her less. 

Women are expected to be nurturing and care-taking, while men are expected to be assertive and action-oriented. Having to produce results and be liked makes it harder for women to get hired and promoted, negotiate on their own behalf, and exhibit leadership.

What can you do in your team, or at work?

  1. Become mindful of your own unconscious bias and reflect on it.
  2. Take the Harvard Implicit Assessment Test to see what your unconscious biases are.
  3. Call out unconscious bias when you see it. If we can create an environment where we recognise bias, we can improve together.
  4. Standardise processes like hiring by building a grading criteria, asking the same questions to candidates and setting the same tests.
  5. During the hiring process, get managers to speak last. A manager’s perspective can influence a team’s input. See what more ideas can arise, if a manager listens and speaks last.

Celebrating women leaders at Flare on International Women’s Day

This International Women’s Day, the theme is #ChooseToChallenge. We are so fortunate to work with so many phenomenal women here at Flare, and we spoke with 4 of our female leaders about what this year’s theme means to them, and their best tips for living your best financial life and building inclusive workplaces.

Liz Crawford

Chief Technology Officer, Flare

Liz is an engineering, product, and data science leader with a background in artificial intelligence and entrepreneurship.

What does #ChooseToChallenge mean to you?

To me, the theme is about being a force for positive change. Identifying opportunities and taking action against them, speaking up. There are ways each and every one of us can make a difference. As someone in a technology leadership role I have the opportunity to mentor women, to build a diverse and inclusive team and to influence others to do the same.

At Flare, we believe in empowering every Aussie to live their best financial life. How do you approach this in your own life?

There is so much that goes into this. I’m a big believer in hard work and honing your craft. This helps take care of your personal revenue line while you are younger via your ability to earn money for the work you do. For me, it’s not about maximising this revenue line, work is a large part of my life and it is important to me that I enjoy it and believe I’m contributing positively to the world.

The other side of this is savings, investment and spending. I have always spent less than I have earned which has allowed me to save and invest. Saving has required me to be frugal at times (I spent years doing a PhD on a fellowship), but it’s never meant not having necessities. I know that is a privilege. Everyone’s situation and preferences are different and at Flare we aim to help people in the ways that matter for them.

What advice do you have for businesses that are looking to build a more inclusive workplace?

Take the time to educate yourself. There is so much material out there you can learn from. Two specific tips on hiring. First, be aware of how your hiring criteria can skew your pool of eligible candidates. For example, if women engineers are less represented in a particular developer community, and you limit your search to that community you will likely end up with a worse gender ratio than companies with broader criteria. Second, if you want to hire a more diverse group, make a point of sourcing for it. Don’t just say, well we can’t do better because the candidate pool lacks diversity. If you care, make the effort. Same thing goes when organising a conference, recruiting a board, etc.

Brittany Wong

VP Marketing, Flare

Brittany is a marketing leader experienced in leading and building collaborative, high performance teams to drive market position, build demand and accelerate customer growth.

What does #ChooseToChallenge mean to you?

This is all about taking a stand for gender equality, and equality for all — and doing something about it. From what I’ve learned, gender inequality is at the heart of many injustices and socio-economic issues in communities and the world. Though many of us care about equality, few of us take action to drive change. “Choose to challenge” is a call to action to do something about it. 

At Flare, we believe in empowering every Aussie to live their best financial life. How do you approach this in your own life?

In my early twenties, I lived my best ‘party’ life, studied, traveled and worked crazy hours to start my career. But behind the scenes of all of this, I was always working to pay off my upcoming credit card bill. This trend went on for years, and I thought nothing of it. As I earned more, I spent more. It wasn’t until I was 25 when a girlfriend (that went out as much as I did), bought a house on her own without any financial assistance. I was floored. How did she do this? Weren’t we all spending our hard earned money frivolously?  When I asked her how she did it, she told me that her mom, who raised her and her sister on her own,  had taught them to put 20% of their earnings away every pay cheque since she started working at 16. My girlfriend followed her mom’s advice (which was mandatory at the start) and told me she never noticed the difference when it came to living life.  This simple habit was the difference between me (who had absolutely no money to buy a house) and her (who was a homeowner at age 25). 

I’ve learned that simple financial habits can go a long way. All you need to do is get started with one or two savings habits, then you can start investing and multiplying your wealth. 

When I was young, technology didn’t exist to support or educate people on financial habits, but today, it does. Anyone can empower themself to live their best financial life with the right habits, education and tools; and that’s why I’m proud of what we’re building at Flare. 

What advice do you have for businesses that are looking to build a more inclusive workplace?

Start somewhere. If you don’t believe building an inclusive workplace is important, then you can’t make progress towards it. 

My advice is to start small and build up from there. Find a passionate group of people who care about inclusivity,  identify a Project Sponsor (or senior executive) to support and raise awareness of the initiative,  and drive progress through action and programs that can be felt and experienced by employees. 

Janine Fry

Head of Customer Experience, Flare

Janine is a customer experience leader who has extensive experience in technology businesses.

What does #ChooseToChallenge mean to you?

For me it’s challenging the perception of women in the workplace, and more specifically in leadership. We should not need to mirror and mimic the behaviours which made our male counterparts successful. Successful leadership can be reflected in some of those non-traditional ‘success’ qualities such as kindness, empathy and tenacity; where you don’t need to have the loudest voice to be heard.

At Flare, we believe in empowering every Aussie to live their best financial life. How do you approach this in your own life?

Before becoming a teacher, my Dad was an actuary and created a home where we were able to have difficult conversations about money, where the art of deciding between wants and needs were regularly practiced and where instant gratification was not common. Dad had a saying ‘people first, then money, then things’ (I later discovered it was ripped from Suze Orman)! For us, it meant – comprehensive insurance for my folks (life, income, health), good schools for my sister and I, followed by savings, then needs, then wants. It’s an approach I continue to practice, and an approach which overtime has enabled me to focus on long term financial wellness. The key takeaway here is acknowledging that finance is a deeply-emotional topic for many folks and having conversations early with kids is vital.

My sister and I were raised to be fiercely independent and wildly curious, which I’m forever grateful for, as it has shaped my view on learning. Educating myself on the things I don’t understand to enable informed, balanced financial decisions has been a game-changer for me. 

What advice do you have for businesses that are looking to build a more inclusive workplace?

We all have our biases which have been developed and shaped by our experiences. For me, personally it’s acknowledging they exist and continuing to work to educate myself on that which I don’t understand. Assuming the best in everyone and giving myself time to deeply understand the experience of others. 

Appreciate the fundamental reality of human nature. That we all like to be given an opportunity to be treated as individuals in an environment where our individual needs are considered and catered for. When that is done in a genuine and heartfelt way, diversity and inclusion organically starts to happen.

Emily Butler

Head of Consumer Marketing, Flare

Emily is a strategic marketing and brand leader with 18+ years of global experience in digital, entertainment, e-commerce and startups.

What does #ChooseToChallenge mean to you?

For me this is all about speaking up when something doesn’t seem right, and elevating women’s stories at a time when their voices are more important than ever. There are plenty of traditional values being dismantled and challenged every day in Australia and around the world, but there’s always more work to do. I started my marketing career in media 20 years ago, when gender bias and casual sexism was just another day in the office. I honestly didn’t even know it was a thing, the behaviour was so normalised. Seeing my female mentors challenge what it means to be a working woman and parent today has been a big inspiration to me, and I’m always learning and acknowledging that I have a responsibility to lift other women up. 

At Flare, we believe in empowering every Aussie to live their best financial life. How do you approach this in your own life?

Women in Australia retire with 40% less in superannuation than men, as we’re more likely to be out of the workforce to have children or provide care for family members. Combined with the gender pay gap, this can significantly impact women in retirement. Additionally, up to 16% of Australian women will experience financial abuse in their lives, which essentially renders women powerless in relationships as their access to money is restricted by their partner. 

Developing a healthy, independent relationship with my money, and understanding how much I need to retire comfortably has been a big game changer for me. I had 5 superannuation accounts before I left Australia for New York back in 2011 — consolidating them via 5 different paper forms went very firmly into the too-hard basket as I packed up my life for the move. After I arrived in the city, I knew I had to get my act together and start adulting. I learned how to build my credit rating so I could rent an apartment. My now husband and I started saving — I am extremely fortunate to have a partner who shares every aspect of running our family 50/50. I opened a 401k retirement account as my employer made co-contributions — there is no compulsory superannuation system over there. I’m so grateful my boss at the time suggested I do this, as by the time I relocated back to Australia, my 401k was on par with what I had in those 5 superannuation accounts. 

I’m really proud of our vision at Flare because we’re meeting Aussies where they’re at, and giving them the tools they need regardless of how far along they are in their financial journey. It’s never too late to start building healthy habits. And consolidating your super is extremely easy these days, especially if your super fund prioritises the digital member experience.

What advice do you have for businesses that are looking to build a more inclusive workplace?

It’s important to acknowledge our biases, unconscious or otherwise, and give underrepresented groups a voice. My advice to leaders and hiring managers is to check your privilege at the door, and don’t assume you know the challenges everyone faces on a daily basis. Speak to your teams. Understand how they feel, and be proactive in addressing any concerns they have. Having an open mind when it comes to hiring a woman who might be returning to the workforce is hugely important — I’ve seen how hard women have to work to feel in control of their careers. In New York, I went back to work when my first child was only 4 months old. I expressed milk for my baby in a bathroom, twice a day, for 6 months. This was very “normal,” and while going back was my choice, plenty of women do not have this luxury. They simply can’t afford not to work, or they’re concerned about the impact an extended break might have on their career. 

Balancing work and family is hard — I really had no concept of this before I had children! I’m grateful to work at Flare alongside so many other parents, including our founders, Dan and James. They are both incredibly supportive and understanding when it comes to being a working mum and raising a family — and this should not be a rarity. Being human and empathising with each other is the key to a happy, inclusive workforce.

How to write a job description to get high-quality applicants

Filling your talent pipeline with high-quality candidates isn’t easy – especially in such a crowded job market. In fact, research finds that it takes Australian companies an average of 68 days and $5,000 to fill a vacant position.

But there are ways to make your company stand out from the crowd. One way is by crafting a top-notch job description. In this post, we’ll explain how to write a job description that attracts great candidates to your company. 

How to write a job description that attracts high-quality applicants

While it’s easy to slap together a job description and blast it across multiple job sites, attracting high-quality applicants requires a more thoughtful approach. Here are five of our best recommendations when it comes to writing a quality job description. 

1. Conduct a job analysis

A job analysis is a process of collecting information about the specific role you’re hiring for. The purpose of conducting a job analysis is to ensure you’re representing the skills, knowledge, and background needed for the role as accurately as possible for applicants. While there are many ways to gather this data, here are a few ways to start:

  • Look at the job descriptions of competitors hiring for similar roles
  • Interview or observe employees who are in the same or similar role at your organisation
  • Review sites like Glassdoor to get a sense of the required skills, responsibilities, and salary of the role

2. Collect input from other employees

Another way to ensure your job description is as thorough as possible is to consult the employees within your own organisation. If you’re hiring for a Marketing Coordinator, for example, you may want to speak with other members on the marketing team – especially the manager that will be overseeing the new hire. 

If you want to take this strategy a step further, have conversations with people from other teams who are likely to work closely with the new hire. So if your Marketing Coordinator is going to work alongside your sales team, interview a few of your Account Executives to understand their expectations and perspectives.

After you put the initial draft of the job description together, you may want to have these same people review it to ensure you’ve captured all their feedback accurately. 

3. Provide all the key information up-front

Now that you have all this information collected, how do you write the official job description? The most important thing to keep in mind is that it’s better to share more details, rather than less. To help you format and prioritise all of your information, below are the basic sections you should include in the job description:

  • A description of the job and job title
  • A summary of the location, role responsibilities, and preferred qualifications
  • An overview of the company culture and benefits
  • The expected salary range
  • The company’s diversity, equity, and inclusion (DEI) statement
  • Any additional information about potential travel requirements, work hours, etc.

The more information you provide up-front, the more likely it is that the applicant will be a good match for your organisation. When you don’t share key information, such as the salary range, you may end up wasting everyone’s time when it turns out that the compensation doesn’t align with the applicant’s expectations. 

4. Review the job description for biases

Before hitting ‘publish’ on your job description, have a third party review your job description for any biases or non-inclusive language. It’s easy to let minor mistakes slip through without realising or intending to, which is why it’s helpful to have fresh eyes on your work! 

Whoever reviews your job description should look for things like non-gender neutral pronouns or gender-coded words, internal jargon that might alienate applicants, or any other signs of implicit bias. 

5. Identify the right channels to post your job description

Finally, you want to make sure you’re publishing your job description on high-quality job sites. While it might seem like the best strategy is to spam as many of them as possible, this will only end up wasting your valuable time and money. 

Instead, we encourage HR teams to take a more targeted approach and select job sites that are known for attracting high-quality candidates. Below are a few of the websites, which are a mix of local and global, that we recommend starting with: 

A thoughtful and well-written job description is the first step to bringing more high-quality candidates into your talent pipeline. Use our recommendations to get started on the right foot. Flare HR also provides free onboarding software that can help you onboard new employees and give them the best first days and the best onboarding experience. To learn more, please request a demo.

Filling your talent pipeline with high-quality candidates isn’t easy – especially in such a crowded job market. In fact, research finds that it takes Australian companies an average of 68 days and $5,000 to fill a vacant position. But there are ways to make your company stand out from the crowd. One way is by […]