• Home
  • Blog
    • Travel Tips & Guides
    • Working Abroad
    • Photography
    • Books
  • Travel
    • Europe
    • South Korea
    • Japan
    • Australia
      • Western Australia
  • Free Resources
  • Shop
  • Portfolio
  • About
    • About Me
    • Frequently Asked Questions
  • Work with Me

Explore

  • Work With Me
  • About Me
  • Shop
  • Blog

Connect

Kelly Today

Site Disclosure

GENERAL INFORMATION

Kelly Today (“company”, “I”, “we” or “us”) provides general educational information on various topics on this website as a public service, which should not be construed as professional, financial, accounting, or tax advice. These are my personal opinions only. 

The term “you” refers to anyone who uses, visits, and/or views the website. 

Please read this Disclaimer carefully, and I reserve the right to modify it at any time without notice.  By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this Disclaimer.

TERMS & CONDITIONS

All of our products are instant digital downloads. By purchasing any product, you agree to our terms & conditions which grants you the non-exclusive use of this material. This license extends to the single, individual purchaser. This license does not extend to companies or partnerships and may not be resold, loaned, and/or gifted to another individual and/or party. You may not share, loan, or redistribute/sell or copy any of these files in any way. This guide is copyright protected. You may not sell, share or otherwise transfer the material to any other party. You may only use these products for personal or professional use. Anyone deemed to be in breach of these terms will be prosecuted.

Kelly (www.kellytoday.com) is not responsible for lost files for any reason but may be willing to reissue the product once a valid purchase receipt has been provided. Kelly (www.kellytoday.com) is not responsible for any direct or indirect damage or loss arising from the use of our products in whatever form.

Due to the nature of digital products, once purchased, the product is not eligible for refunds or returns. However, if there’s anything you’re not happy with, please email kelly@kellytoday.com we will endeavor to ensure you receive the support you need to get the most out of the digital product.

Disclaimer

All content provided on www.kellytoday.com is for informational purposes only. We make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. We will not be liable for any omissions or errors in this information nor for the availability of this information, and we will not be liable for any losses, injuries, or damages from the display or use of this information.

Copyright

All video, photo, and written content found on www.kellytoday.com is covered by copyright and the owner has copyright unless stated otherwise. The content on this website may not be reproduced on any other platform without permission.

Affiliate Policy or Third-party Links

Any purchases made through links on the Website (www.kellytoday.com) or social media (e.g., Twitter, Pinterest, Facebook, Instagram) may earn me a commission at no extra cost to you. This commission comes from affiliate programs, such as Amazon Influencer Program, RewardStyle, and individual brand affiliate programs. Not all links are affiliate links, but each blog post contains a disclaimer at the top if there are affiliate links within it.

We may also recommend other products, services, coaches, and consultants but no such reference is intended to be an endorsement or statement that such information provided is accurate. We recommend these based on our personal experiences but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such products, services, coaches, and consultants. 

We are a participant in the Amazon Services LLC Associates Program, which is an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to www.amazon.com.

These affiliate or third-party relationships in no way compromise the integrity of the content, information, services, and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These affiliate programs are selected based on personal experiences and preferences. 

Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.  Therefore, Kelly Today and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, ebooks, services and any other means of communication with you. 

For more information, visit the Privacy Policy page.

EARNINGS DISCLAIMER, TESTIMONIALS & OTHER DISCLAIMERS

We may disclose our income reports and success results of our current or former customers including product reviews and testimonials on the website from time to time. These income reports, product reviews and testimonials are accurate and strictly for informational purposes only.

We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

All the testimonials included on our websites, programs, products and/or services are real-world examples and stories of other people’s experiences with our programs, products and/or services. But they are not intended to serve as a guarantee that you will achieve the same or similar results. Each individual’s performance is different and your results will vary accordingly.

You are encouraged to perform your own due diligence and research and are solely responsible for your earnings and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience, and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.


SPONSORED POSTS / REVIEW DISCLAIMER

We may include sponsored blog posts on our website from time to time for products or services we recommend or those that have been valuable in our personal experience or use.

We may review different products, services, and other resources to provide reviews of books, services and any other recommendations to you. We may receive incentives, discounts, compensation or free products in exchange for our reviews and sponsored content. All such reviews and sponsored posts are solely our honest opinions made in good faith. You are always encouraged to perform your own due diligence prior to relying on them.

We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

You are encouraged to perform your own due diligence and research and are solely responsible for your decisions, purchases from our affiliate links, sponsored content and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience, and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.


NO WARRANTIES

All content, information, products, and/or services on the website are ‘as is’ and ‘as available’ basis without any representations or warranties of any kind including the warranties of merchantability or fitness for any purpose, express or implied to the full extent permissible by law. The company makes no representations or warranties as to the content, information, materials, products, and/or services provided on this website. Company makes no warranties that the website will perform or operate to meet your requirements or that the information presented here will be complete, current or error-free. Company disclaims all warranties, implied and express for any purpose to the full extent permitted by law.


LIMITATION OF LIABILITY

You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here. 

You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, the outcome of your actions, personal and business results, and for all other use in connection with the website.

You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here. 

This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here. 

INDEMNIFICATION

You agree to indemnify and hold the Company and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of our websites including purchasing programs, products and services; (c) violation of any laws, rules, regulations or ordinances by you; or (d) violation of any terms and conditions of this website by you or anyone related to you; e) infringement by you or any other user of your account of any intellectual property or other rights of anyone. The company will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims.

Hi, I'm Kelly! I'm an Asian Australian content creator from Western Australia. I inspire others to get outside and explore the world. Join my adventures and discover my best travel & photography tips!

Map Travel Guide

Map Travel Guide

Join the community!

Subscribe to access the latest travel tips, discount codes & updates about group trips & product releases!

Follow me on IG @kellytoday

👉🏻 Things I’ve been obsessed with lately (so far t 👉🏻 Things I’ve been obsessed with lately (so far this July)

A mix of things I’ve been consuming, learning, and celebrating this month. 💸

From books and podcasts to investing milestones and small daily rituals — a reminder that it’s normal to go through ruts, and small habits can lead to bigger growth over time.

#europe #habits 

Why it’s worth investing? 

Building wealth often looks boring at first. It’s less about making huge moves and more about consistently investing over time.

When I receive my monthly paycheck, I automatically transfer a set amount of my income into @pearlerhq to invest in ETFs and stocks.

This month, instead of letting my dividends sit in my bank account, I reinvested them into the ETFs I’m currently building.

Small amounts invested consistently can compound over time.

One reason I like using @pearlerhq is that it makes investing consistently easier.

You can set up automatic investments into selected ETFs or stocks, which helps remove the temptation to time the market or overthink every decision.

After being in a bit of a reading slump, I’ve been making my way back into the habit.

📚 My favourite read this month: Broken Country by Clare Leslie Hall

📌 Why it’s worth trying: The easiest way to rebuild a reading habit is to make reading enjoyable again.

📖 Books currently on my TBR

I’ve already read Emily Wilson’s translation of The Odyssey, but I wanted to explore different perspectives beyond the traditional heroes.

Retellings are powerful because they allow overlooked characters and perspectives to be explored. Currently on my list:

🏛️Circe by Madeline Miller - A reimagining of Circe’s myth, exploring the life, power, and struggles of the infamous witch behind the legend.

🏛️Ithaca by Claire North - Tells the story of Odysseus’ absence from Penelope’s perspective as she navigates protecting Ithaca.

🏛️ A Thousand Ships by Natalie Haynes - A collection of stories from the women of The Iliad and The Odyssey, giving voice to characters often overlooked in traditional retellings.

🏛️ The Penelopiad by Margaret Atwood - Penelope, the Queen of Ithaca, shares her perspective on her life and marriage in the afterlife.

🏛️
What happens when you ignore popular advice in you What happens when you ignore popular advice in your twenties? 👉🏻

I’ve also included some helpful resources that have helped me with financial literacy and upskilling throughout my twenties. 🙇🏻‍♀️📚

💌 If you enjoyed this post, I have a weekly newsletter sharing more tips and advice about financial literacy and navigating your twenties. You can sign up using the link in my bio.

#twenties #europe #livingabroad 

It’s more common than you think to end up in a career unrelated to what you studied at university.

Work experience is just as important, if not more important, when applying for opportunities. 

Take advantage of free and paid resources online to upskill and learn about different topics. 

If I could redo my twenties, I’d prioritise learning more about financial literacy, especially investing. Here are a few videos that I've found are helpful. 

Even while working full-time, I’ve always tried to make time for travel instead of waiting until I’m older. As a general rule, any money I earn outside of my full-time job either goes towards investing or my travel fund.

The reality is that social media has made it easier than ever to monetise your content.

I started my account in 2022, and it’s taken time to grow my platforms and develop the skills I now use to secure paid collaborations.

In the current climate, it’s becoming more common to have multiple income streams, whether that’s working multiple jobs or developing a side hustle.

Building additional income streams can give you more flexibility and reduce your reliance on a single source of income, such as a full-time job.

💸 If you want advice on developing passive income streams, I’ve written an article on my Substack sharing my own income streams and tips for getting started. 💸

The reality is that your twenties are your first decade as an adult.

It’s completely normal not to know exactly what you want to do or where you want life to take you.

Stay curious. Try different things. Learn along the way.

If you’re looking to start investing, here are some beginner-friendly books to check out. 📚

I use @pearlerhq to invest in ETFs and stocks.

I like that you can automate your investments throug
Which one surprised you the most? 👀 4 things I qu Which one surprised you the most? 👀

4 things I quietly stopped doing this year to save money — and what I do instead.

Most of these came from adopting more of an underconsumption mindset this year. If you found this helpful, a low-buy (or no-buy) approach might be worth trying too.

What’s something you’ve stopped buying this year? Tell me below 👇

#habits #underconsumption #europe 

Instead of buying books, I borrow free books and audiobooks through the @libby.app. Libby automatically syncs to my Kobo Clara eReader from @kobobooks and @kobobooks_au. 📚

I usually read about 2 to 7 books each month, so this is helping me cut costs for this hobby.

🛍️ Cutting out impulse purchases because an item is on sale can save you money. It’s been helpful in reducing these purchases by using a wishlist on @notionhq. I’ve linked my template in my bio if you want to use it. 

🙅🏻‍♀️ Take it a step further by waiting at least 7 to 30 days before buying an item. Usually, this time lets you either forget about the purchase or realise you don’t really need it. 

📖 Both apps don’t require any fees to use. But it’s saved me money in the sense that I’ve been able to monetise my Notion reading template as a digital product. I’ve linked my reading Notion tracker in my bio. 

☕️ Instead of buying a takeaway coffee or tea every time I’m at the office. I would’ve saved about $520 each year. Instead, I’d rather use this for a cheaper option to make a drink at home and bring it into the office and then use the difference for investing. 

I’ve been using @pearler to automate my monthly investments.

💵 Best advice for those who want to start investing is that you can never really time the market. Dollar cost averaging is the investing strategy I’m doing in my twenties. 

The graph is sourced from TabTrader.

Compound interest is your best friend over time. 

For example, a $500/month investment strategy over 30 years ($180,000 total contributions) could have grown an initial $1,000 investment to $823,114 based on historical market performance. 

This graph shows how consistent investing, combined with time in the market, can make a difference.

Source: Vanguard. Based on the S&P/ASX
📝 Part 10 of the media I consumed this week that s 📝 Part 10 of the media I consumed this week that sparked my curiosity 🙇🏻‍♀️

Here’s some media to help you be more intentional with your time — swap the doomscrolling for thoughtful articles that actually stay with you. 🌱

A roundup of what’s worth consuming when you want to learn something new and give your brain a little spark. ✨📚

💌 If this resonates, I share weekly recommendations (books, films, articles, podcasts + more) in my newsletter. You can sign up through the link in my bio.

💭 You can sign up for my newsletter to receive the full list of media featured here.

📝 Comment 'list' and I'll send you all the links for the media in this carousel.

#reading #whattoread #habits
Can you guess which places made the list? 🇯🇵✨ Aft Can you guess which places made the list? 🇯🇵✨

After 4 trips to Japan, these are some of my favourite places I’ve visited — and the ones I’d happily return to again and again.

💭 Have you been to any of these spots?

📷 Photos edited using my Fujifilm Lightroom presets (linked in my bio)

#japan #asia #asiatravel #travelphotography #bucketlist @lightroom @visitjapanau @visitjapanjp 

Located in southern Fukuoka Prefecture, Yanagawa is often called the “Venice of Kyushu” thanks to its charming network of waterways.

Once a historic castle town, this scenic destination is known for its rich history and traditional boat rides along the narrow canals. Hop on a small donko-bune boat and enjoy a slower-paced side of Japan.

If you visit, don’t leave without trying eel (unagi) — Yanagawa’s signature dish and a must-try for food lovers.

@welcomekyushu @kyushu_tourism_information

A classic for a reason — Kyoto is one of those places that most first-time visitors add to their Japan itinerary, and it’s completely worth the hype.

After visiting Japan 4 times, I still find myself discovering new places to explore in Kyoto, and each season brings a completely different experience.

Once the capital of Japan, Kyoto is filled with endless things to see and do — from historic temples and traditional neighbourhoods to incredible food spots and beautiful landscapes.

@visit_kyoto

I wish I had spent even more time in this city!

As the capital of Fukuoka Prefecture, Fukuoka is known for its incredible food scene, ancient temples, vibrant neighbourhoods, and beautiful coastal scenery.

I spent around a week exploring the city, but it’s also the perfect base for day trips around the prefecture and wider Kyushu region.

@visitfukuoka 

Add this UNESCO World Heritage Site to your Japan itinerary!

Shirakawa-go is one of those places that feels like stepping into a storybook, with its traditional thatched-roof houses and beautiful mountain scenery.

I visited during summer, but I’d love to return in another season — especially to see the village covered in snow during winter.

The easiest way to reach Shirakawa-go is by bus from Takayama.

From Nagoya or Gifu, take the JR
🙇🏻‍♀️ I spent my twenties doing things a little di 🙇🏻‍♀️ I spent my twenties doing things a little differently. Here’s what happened. 👉🏻

Here are some unconventional things I’ve done in my twenties that have paid off and are also helping me set myself up for the future. 

Some decisions looked risky at the time… but ended up creating opportunities I never expected. 

#twenties #livingabroad #europe 

This wasn’t the easiest decision, but when COVID hit and I lost a family member, I realised how short life can be.

I decided to take time away from university and explore a different path. I ended up finding a job overseas that allowed me to work while travelling in my free time.

I completed my TEFL qualification to help me secure a job in South Korea. I’ve shared my free guide to landing a job in Korea on my website. 

📌 If you are interested, teaching English is one of the more accessible pathways for foreigners looking to work in Korea.

I started this account in 2022, and it has grown across multiple social platforms, reaching around 80K followers.

It’s been a slow process of staying consistent, learning along the way, and constantly pushing myself outside my comfort zone.

I honestly believe experience is becoming just as important, if not more important, when applying for new opportunities.

I don’t have a formal degree in marketing or social media, but I was able to use my portfolio and experience as a content creator to land a full-time role in digital marketing — something I’m incredibly grateful for.

Since the pandemic, I think many of us have realised how quickly industries can change and how much budgets can impact jobs and resources.

It reminded me of the importance of building income streams outside of your main salary. The extra income has also helped me reach my financial goals faster and gives me more flexibility in the future.

I regularly take free courses, but when I find a course that provides genuine value, I’m happy to invest in it. For example, I completed a beginner investing course that helped me feel more confident investing in stocks and ETFs.

Here are a few free resources you can explore in your own time.

There are also two posts on my profile recommending lists of FREE re
Part 2 is here because there are far too many incr Part 2 is here because there are far too many incredible free resources to fit into one post. 📚✨

One of the biggest things I've learnt is that reading doesn't have to mean sitting down with a 400-page book every night. Learning can happen through essays, newsletters, library apps, audiobooks, public domain classics, and thoughtfully curated recommendations. It all counts.

The easier you make it to discover something interesting, the more likely you are to stay curious. Sometimes the difference between reading more and reading less isn't motivation—it's simply having the right resources waiting for you.

These are a few more free tools and platforms that have helped me find books, learn new things, and spend less time endlessly scrolling for something worthwhile.

Save this post for the next time you're looking for something new to read, learn, or explore.

#reading #habits 

The @literaryhub publishes thoughtful essays, author interviews, book recommendations, and literary conversations that make reading feel even richer. 

Interesting articles I've read from @literaryhub. 

🔍 Etymonline

Ever wondered where a word actually came from? Type in any English word and discover its origins, history, and how its meaning has changed over time.

🎓 MIT OpenCourseWare

Access free course materials from one of the world's leading universities. Explore thousands of MIT classes with lecture notes, assignments, and learning resources across countless subjects.

📰 SmartNews

A simple way to stay informed. Follow the topics you care about, customise your feed, and read headlines from a range of trusted news publishers all in one place.

🌍 Radio Garden 

Travel the world without leaving your room. Spin the globe and tune into live radio stations from thousands of cities to discover new music, languages, and cultures.

📖 Project Gutenberg

A treasure trove of free books. Browse over 75,000 classic eBooks, download them to your Kindle or phone, or read them online whenever you like.

Track all your reading stats on @the.storygraph 📚

📝 Word of the Day

Build your vocabulary without feeling like you're studying. Learn one new word each day with definitions, examples, and q
The things I never expected to be grateful for aft The things I never expected to be grateful for after moving to South Korea. 👉🏻

This carousel is a little reminder that sometimes the biggest gifts from a chapter of your life aren’t the ones you were looking for—they’re the ones you never saw coming.

These are just a few reflections from my time living abroad in Korea. What I didn’t expect were the things you can’t really plan for.

The quiet moments that slowly change you. The lessons you only learn by living somewhere unfamiliar. The parts of yourself you don’t discover until you’re far away from everything you’ve ever known.

If you’ve ever moved abroad, travelled solo, or taken a leap that scared you, I’d love to know:

💭 What’s something you’re grateful you gained that you never expected?

📌 If you’re thinking about working in Korea, I’ve got a free guide on my website about how I got my job in South Korea for your reference. 

#livingabroad #southkorea #seoul 

Prior to the move, I had quit university and was job searching for positions in South Korea.

I was pretty lucky to connect with some genuine people overseas. I've heard from others and online that making friends in Korea can be difficult. 

Before I left some of my coworkers gave me going away presents which I wasn't expecting at all. 

One of my coworkers even handwrote a heartfelt message on the gift.

Most of the time I'd spend my weekends exploring a different region or city. 

Random viewpoint I found when I did a weekend trip in Jeonju.

One of unexpected perks of my job was being invited to work excursions which meant I got to see some new places around Korea. 

Hard to pick a favourite season in Korea. It's probably a tie between autumn or spring. 

Before I moved I took online Korean lessons but the language barrier was still a bit of a shock. 

One of my favourite things to do alone was exploring either my local area or cafe hopping. 

Even everyday tasks were a bit more challenging with the language barrier. 

There's definitely a learning curve once you move to a new place. Just remember to be patient with yourself while you're adjusting.

A friend took this photo after we got dropped off at a hotel.  I promise you those are not
🙇🏻‍♀️ Part 14 of media to read in your twenties ✨ 🙇🏻‍♀️ Part 14 of media to read in your twenties ✨
Here’s your next round of long-form reads for navigating your twenties.

💌 Enjoyed this post? I share weekly media recommendations (books, films, articles, podcasts & more) in my newsletter—link in bio if you’d like to join.

💡 Want even more? Check out my full “media to consume instead of doom-scrolling” series on my profile.

💭 Want the links for these articles? Sign up for my newsletter for the full list of articles + essays featured here.

#twenties #whattoread #articles

Travel More

Explore Categories

  • Free Resources
  • Blog
  • Travel
  • Travel Tips & Guides
  • Photography
  • Working Abroad

Support my work

Recent Posts

  • 15 Best Day Trips from Seoul & How To Get There
  • 20 Helpful Things to Know When Travelling to Japan
  • 10 Day Trips from Fukuoka That’s Worth Your Time
  • 13 Best Christmas Romance Books You’ll Want to Read in One Sitting
  • 16 Romance Books About Second Chances You’ll Wish You Read Sooner

travel more

300*250
  • Disclosure
  • Privacy Policy
  • Terms & Conditions

Copyright © 2026 Kelly Today · Theme by 17th Avenue