For many years, Ms Mowat knew how to make a household budget work.
Raising 11 children on one income meant learning to plan carefully, make thoughtful financial decisions and make the most of the money available.
But eventually, she began asking a different question: what happens after you have learned how to save?
“I knew how to budget and I knew how to make money stretch,” Ms Mowat said.
“But I began to realise that saving money and growing money are not the same thing.
“I wanted to understand what people did differently when they wanted their money to begin working for them.”
That question led Ms Mowat into a period of learning about investing, risk, different types of assets, building capital and creating income.
Creating Overflow tells the story of that learning journey and the lessons she discovered along the way.
It is not a step-by-step guide telling readers what to invest in.
Instead, Ms Mowat shares how and why she began learning to invest and the principles that eventually led her to develop a framework for approaching investing carefully.
For Ms Mowat, “overflow” is not about getting rich quickly.
“Creating Overflow isn’t about getting rich. It’s about creating increasing freedom, one wise decision at a time,” she said.
This book is particularly written for people who may have spent years concentrating on earning, budgeting, paying bills and saving, but have never really understood the next stage of making their money work for them.
Ms Mowat hopes her own experience will encourage people who think investing is something only for experts or people with large amounts of money to begin learning and asking questions.
The official launch of Creating Overflow will be held at the VRI Hall in Seymour on Saturday, October 3 at 3pm.
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