In this episode, I’m joined by Kate Browne, head of research and insights at Compare Club, to explore the real impact of buy now, pay later services on our everyday financial habits. What started as a tool for spreading the cost of larger purchases has crept into everyday essentials like groceries and fuel. But how is this changing the way we think about spending and budgeting? Kate and I dive into the hidden consequences of relying on these services, from juggling multiple payments to losing sight of the true cost of things. It’s not just those facing financial difficulties - many people with higher incomes are now turning to buy now, pay later instead of traditional credit options. Why is that? And what does it say about our changing relationship with money? We also look at the potential long-term impacts, especially on younger generations, and how these services might be reshaping financial behaviour for years to come. Today we cover: How buy now, pay later services are becoming part of everyday life. The effect on spending habits across all income levels. What we should be aware of as these services grow in popularity. “Some people said they were using it daily. And this is really showing that buy now, pay later isn't sort of a nice-to-have tool, but it's really ingrained as a financial tool for people to get from paycheck to paycheck."Kate [03:56] “It's very, very easy to lose control and even in people who are generally good with money, once you kind of lose control, it's really hard to get it back or it's even easier to put your head in the sand."Kate [08:03] “The relationship we have with our phones, we're on them all the time. So paying with them doesn't feel like anything out of the ordinary."Emma [23:14] Where to find Kate Website: https://compareclub.com.au/expert-analysis/author/kate-browne/ Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this bonus episode I take you through five key things you can gain from unpacking your relationship with clothing spending, and tell you about the next round of The Wardrobe Project that's kicking off on October 28th. Highlights: The joy we think we feel from buying clothes isn't REAL joy! The mental lightness that comes from shutting out the noise of consumption How you can free up money for things you actually want Why you won't be thinking about that blazer on your deathbed Why our bodies are on trial every time we purchase clothes JOIN THE WARDROBE PROJECT HERE: https://mailchi.mp/1913ab5d92b6/the-wardrobe-projectSee omnystudio.com/listener for privacy information.

There are ten weeks left of 2024! How good would it feel to start 2025 with a $1000 headstart on whatever you want to work towards, or have $1000 saved up and ready to enjoy as an end of year treat!? WELL, in this episode we're making it happen. By building up momentum and approaching a short term goal from an opportunity perspective, we can make big progress without too much sacrifice... and this episode is going to give you all the tips, motivation and energy you need to hop on board.  Mentioned in this episode:  The Wardrobe Project, enrolling October 28th:  https://mailchi.mp/1913ab5d92b6/the-wardrobe-project Broke Gen Baddies Facebook Group: https://www.facebook.com/share/g/rErfbtizRDMYPGnV/See omnystudio.com/listener for privacy information.

In today's episode, we're going down memory lane back to one of the early early episodes of the podcast for a book club-style chat about one of my all-time favourite reads, Atomic Habits by James Clear. This was episode ELEVEN of the show so do forgive my under-developed podcasting style in this episode, but it's still an enjoyable listen! Atomic Habits is about behaviour change in general, but it also contains helpful insights for reshaping how we approach money. Instead of going for that crash diet mindset - cutting everything out for a short-term win - this episode is all about making better financial habits a natural part of your day-to-day life. I break down Clear’s four laws of behaviour change - Make It Obvious, Make It Attractive, Make It Easy, and Make It Satisfying - and share practical ways to apply them to your financial world. Whether you’re looking to save more or spend smarter, this episode is packed with actionable tips and bite-sized wisdom to help you build lasting change. Perfect if you're ready to level up your money mindset! Book mentioned: Atomic Habits by James Clear Also order Good With Money! Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode, I sit down with Jessie Leong, known as howifundthis on Instagram, to explore a common yet often overlooked financial struggle - money anxiety and the fear of spending. We discuss the challenges of hoarding money for security and how it affects those who identify more as savers rather than spenders. Jessie shares her personal journey, from growing up with the mindset of saving for a rainy day to grappling with the discomfort of parting with money. Together, we break down how to build a healthier, more balanced relationship with money, allowing for financial freedom without fear, shame, or anxiety. Episode highlights: Strategies to overcome money anxiety and scarcity mindset. The emotional challenges of being a natural saver. How to find balance between saving and spending. Where to find Jessie Website: https://howifundthis.com/Instagram: https://www.instagram.com/howifundthis Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

GIDDY UP cats and kittens, there's 25% of the year left and we're going to grab it with both hands and squeeze every last drop out of it. In this episode I'm taking you through a sexy little goal setting method to help you tease out some exciting goals for the rest of the year. Studies have shown that motivation is actually higher in September than in January, as you've less time to work with and the promise of a hard reset coming up. Don't just sit back and let the rest of 2024 pass you buy – let's move on your goals NOW and get a headstart on 2025.  Highlights: The four principles of goals according to goal setting theory The GROW action plan Inputs and outcomes Actions and avoidances Behavioural contracting This is not your average goal setting episode – not a SMART goal in sight, I promise. You'll learn new techniques to tease out goals that matter to you, refine them, and then get to work on making them happen.  Mentioned in this episode: Piping Hot Goal Setting Power Pack: https://thebrokegeneration.com/product/piping-hot-goals/ SPEND-TEMBER feedback survey: https://us3.list-manage.com/survey?u=960c5ef0dbe76119ee97e93e2&id=caabe504b9&attribution=false&fbclid=IwY2xjawFle0JleHRuA2FlbQIxMQABHdLtBOtH9-8DkTwpstSzdf8zMVJd6wpX9Mum2EX2u1dCms0tpyF9ds_10g_aem_sFa0iA1X7XrPb6l6A6-egw  Join the Podcast Facebook Group: https://www.facebook.com/share/g/SKvbYroQLVHd674A/See omnystudio.com/listener for privacy information.

Does your budget actually align with who you are? If you value freedom, autonomy and doing things your own way, shouldn't your budget reflect that too? Likewise, if you love structure, rules and boundaries, you can manage your money with this in mind, too. In this episode I talk through ways to understand your own personality, psychological profile and motivational style and how to apply that to your finances, in the context of 5 popular budgeting styles: Zero-based budget Reverse budget 50/30/20 budget Kakeibo Cash envelope budgeting Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting See omnystudio.com/listener for privacy information.

What does self respect mean to you? I bet money wasn’t the first thing to come to mind – but money and self respect are deeply, deeply linked. In this episode I explore what it means to financially respect ourselves and how we can embrace it in our everyday lives. Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/votingSee omnystudio.com/listener for privacy information.

Restriction? Eww David. I am NOT about it, and luckily, you don't need to be either in order to slay your financial goals. In this episode I'm taking you through 10 top tips to slay your savings without feeling restricted or deprived. When we get into a rhythm with our savings habits, we get to the sweet spot – where our savvy habits become the norm and the progress just ticks over in the background. But we'll never get there if we've build ourselves a budget of misery, or we always feel like we're missing out on something. Dive into these 10 shifts that'll see you slaying your savings without missing out.  See omnystudio.com/listener for privacy information.

In this bitesized nugget I'm talking about the ways your brain processes your experiences and uses them as evidence to uphold your existing beliefs – and of course, what we can do with that information to use it to our advantage. Mentioned in this episode:  Millhouse Mindset episode: https://thebrokegeneration.com/blog/episodes/my-game-changing-mantra-for-the-last-3-months-of-2023/ Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/votingSee omnystudio.com/listener for privacy information.

In this episode I'm diving into why a payday routine is your superpower and how it can change the game for your finances. I'm also sharing a super simple calculator template that you can use to work out how to set aside money for all of your bills and expenses as an equal portion from every payday! Jump into the SPEND-TEMBER Facebook group to gain access to that template: https://www.facebook.com/share/g/uoLX5T7djGgjGH2H/See omnystudio.com/listener for privacy information.

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In this episode we're diving into 6 reasons you might be spending more than you want to (or more than you think) and what to do to flip it. In discovering what can keep us upholding a pattern of behaviour, we can unlock the antidote in order to make the opposite behaviour our new default setting. Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting Join the Spend-tember Facebook group: https://www.facebook.com/share/g/eADRV2Yw7iF3nDBy/ Join the waitlist for the final Wardrobe Project cohort of 2024: https://mailchi.mp/e60be6e4205a/eyhjwar1s8 Get the Pulse Money Journal: https://thebrokegeneration.com/product/pulse-spending-journal/ See omnystudio.com/listener for privacy information.

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As Spend-tember rolls on, we're not just talking about money tips - we're digging deeper. Today, we explore your "Money Manuscript," the narrative you've unconsciously written about money throughout your life. This script shapes how you think, feel, and behave with money, often more than we realise. Why does this matter? Because understanding your financial story is the key to changing it. If you’ve been feeling stuck, anxious, or overwhelmed about money, it’s likely rooted in these underlying beliefs and experiences. By acknowledging your Money Manuscript, you can start rewriting it to better align with your current goals and values. In this episode, we discuss practical steps to identify and update your money story, reframe your mindset around saving, and create healthier financial habits that feel natural. Whether you're just starting this journey or have been on it for years, this conversation offers insights to help you move forward with more confidence and clarity. Join the discussion! If you haven't yet joined our Facebook group, what are you doing?! We have ongoing discussion threads about each episode and themes from Spend-tember, along with homework tasks to help you dive deeper into your financial habits and mindset. Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/  Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting See omnystudio.com/listener for privacy information.

In this episode we're diving into three types of spending: planned, prepared and impulsive. We'll explore the differences between the three, and how you can use them to audit your current behaviour, farm that data to build a money management style that works for you, and benchmark how you're tracking over time, too.  Listen to the 'what season of money' episode mentioned in this podcast here: https://thebrokegeneration.com/blog/episodes/what-season-of-money-are-you-in-the-comments-section-with-e-v/?portfolioCats=362  Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/  Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting See omnystudio.com/listener for privacy information.

Welcome back to Spend-tember! Today, we're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives. Today I’m covering: Understanding the Fantasy Self Common Categories Where the Fantasy Self Shows Up How to Dismantle Your Fantasy Self Join the discussion! If you haven't yet joined our Facebook group, what are you doing?! We have ongoing discussion threads about each episode and themes from Spend-tember, along with homework tasks to help you dive deeper into your financial habits and mindset. Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362  Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/  Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In the final episode of The Comments Section Season Two, we’re digging through the dirty laundry pile that is the intersection of feminism and spending habits, and whether it is unfeminist to critique women's spending habits. Historically, financial media has framed men's spending around wealth-building and investment, while women's spending has often been associated with saving and cutting back. This dichotomy raises the question: is it wrong to scrutinise women's spending when men aren't subjected to the same narrative? Telling women to ignore their spending habits and simply "build wealth" without addressing the deeper societal pressures misses the point. While it’s crucial to acknowledge that the pressure to maintain a certain appearance or lifestyle is heavily marketed to us, we also discuss the importance of engaging with our financial behaviours. It’s not just about blaming ourselves but rather understanding the structures that shape our financial decisions and taking control to redirect our resources. The Broke Generation is nominated in the Australian Podcast Awards! If you’ve loved having us in your ears lately, you can cast your vote here. Just search for ‘The Broke Generation’ and follow the prompts. Voting closes 10 October 2024. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

WELCOME TO SPEND-TEMBER! 30 days to optimise your spending habits and live a better life.  Join the Spend-tember Facebook group: https://www.facebook.com/share/g/7ZwmieN2ZEPjxsHr/  Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

[WARNING: LOVE IS BLIND UK SPOILERS IN THIS EPISODE] Love is Blind UK has just wrapped on Netflix and WHAT. A. SEASON. From prenups to "I don'ts" to who pays for dinner and Sabrina's £70 supermarket shop, there were SO many juicy money themes in this series that I just had to unpack with someone.  I'm joined by author of Money Talks, Ellie Austin-Williams, to chat about the couples form this season and explore some of the money stuff that came up during the show. Despite money being firstly a mathematical concept, what we kept coming back to was how deeply values-based so many of the financial conflicts were, highlighting how important it is to understand your own financial compass in order to have a healthy relationship.  Highlights: Reunion debrief, including Sabrina's £70 supermarket shop and an ironing board Clashing love languages and the financial side of investing in a relationship Tom and Maria's clashing financial values Who pays for dinner on a first date? Can you ever reconcile differences in foundational financial values? What questions could the couples be asking in the pods to get to know each other more intimately on a financial level? Prenups, protecting your assets, and what's fair IMPORTANT: when it comes to money and relationships, it's important to be aware of the risks and red flags for financial abuse. This interview episode with Serena McDuff from Respect Victoria explores financial abuse and its warning signs: https://open.spotify.com/episode/0Co414jUd8h9Nghh9sqq2V?si=ZBoM0GBsRUugI82g2jGt7A&nd=1&dlsi=0b9407665813470a  Where to find Ellie: Instagram: @thisgirltalksmoney Book: Money Talks https://www.penguin.com.au/books/money-talks-9781786787996 Website: https://www.thisgirltalksmoney.co.uk/  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money!  See omnystudio.com/listener for privacy information.

This week, we're diving into the messy reality of failure. We’re unpacking the modern narrative that every failure must teach us something or shape our success. But let's be real—sometimes, failure is just failure. From botched jobs to disastrous side hustles, we’ve all been there. We explore the pressure to be grateful for failures, even when they don’t neatly fit into our life’s success story. Ever tried to spin getting fired from a waitressing gig into a stepping stone? It’s a stretch. We also touch on the emotional weight of redundancy and how some failures don’t need to be transformed into life lessons. Maybe they’re just missteps we’d rather forget. And while failure can build resilience, not every misstep needs to be a defining moment. Join us as we share our own flops, from failed fitness kicks to embarrassing work blunders, and how we’ve learned that sometimes, it’s okay to just move on without turning every failure into a victory lap. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

In this episode, I explore the idea of "quiet quitting" beyond the workplace and how it applies to our consumption habits. Inspired by a recent newsletter on stepping back from the beauty hamster wheel, can a change in mindset help us break free from the cycle of overconsumption and superficial self-care? I share practical strategies for assessing what genuinely adds value to our lives, like simplifying beauty routines and scrutinising our purchases. From questioning the necessity of trendy beauty treatments to evaluating convenience-driven consumption, I show how adopting a quiet quitting attitude has empowered me to make more intentional choices, and you can too!  Episode highlights: Practical tips on simplifying beauty routines and scrutinising purchases. How convenience-driven consumption impacts spending. Actionable strategies for making better choices about consumption. “I was able to identify that the thing compelling me to pay for that, or to consider getting that treatment, was because I felt pressure that everybody else was."Emma [12:26] “All of these things are priming us to become these convenience seeking consumers like it doesn't serve us."Emma [20:08] “Is this really expressing myself? …Can I really see beyond this one decision and really can I really make sense of what I'm actually trying to do with this consumption decision."Emma [25:38] Book mentioned: Indistractable by Nir Eyal Follow for help with your fashion footprint: curatedwardrobe.au Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode, we ask: "Deal or no deal?" when it comes to the influence of situational bias on our financial decisions. Our environment often plays the role of the banker, tempting us with offers that can derail our long-term financial goals. We explore how these subtle pressures can sway our choices and discuss ways to stay in control of our financial journey. By understanding situational biases, we can better equip ourselves to make decisions that truly align with our intentions. We share practical strategies for recognising when we're being nudged off course and how to resist these influences, whether in everyday spending or high-stakes financial choices. Join us as we uncover how to keep your financial decisions firmly in your own hands, no matter the external pressures you face. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

It's you, me and the mic again, baby, for another hot little solo ep. In this episode we're deep diving into financial sabotage, why we do it and how to understand it better and use that knowledge to be more strategic in your finances. Highlights: Common types of financial self sabotage The 5 categories of financial self sabotage 3 key causes of financial self sabotage Why our brains crave familiarity How to spot your own financial self sabotage behaviours and move through them Key moments: "it it infinitely easier to be the person you've always been than the person you want to be." GET YOUR COPY OF GOOD WITH MONEY: https://amzn.to/3AjuU16  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this hot little ep we answer the big question: is diet culture back? From the return of low rise jeans to the controversial rise of Ozempic and other weight loss drugs, it's hard not to feel like we're living our very own rerun of the early 2000s.  We discuss the impact diet culture has on our finances and why liking yourself is one of the best things you can do for your relationship with money, and with yourself. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Ready to undergo your next financial transformation? This ep is for you. I'm taking you through four tips to help you accelerate your next big upgrade (and not in a gross way). When it comes to our ongoing financial journey (yuck), there are certain points when we're climbing, and others when we're coasting. Neither is superior to the other, but they're distinctly different states. Climbs happen when you're making big shifts to your habits, behaviours, beliefs and even your bank balance, too. Coasting is the space in between (and it's not a bad thing, by the way). Coasting helps us acclimatise to the new level following an upgrade, and after a certain point, we find ourselves ready to climb again. This ep shares four tips to help you on your next climb! Highlights: The difference between goals you're actively pursuing, and goals that are on the backburner. Goal visualisation pathways How your identity changes when undergoing a financial upgrade How a short sprint can help you get back on the wagon What happens if you don't change?  GET YOUR PIPING HOT GOAL SETTING POWER PACK WORKSHEET: https://thebrokegeneration.com/product/piping-hot-goals/  10% off with code PODCAST Order your copy of my book, GOOD WITH MONEY: https://amzn.to/4fA51uc Sign up to the free weekly newsletter, The Glue: www.thebrokegeneration.com/subscribe  See omnystudio.com/listener for privacy information.

In today’s episode, we deliver part 2 on how to feel like the hottest sh!t to ever walk the earth. We kick things off with another juicy icebreaker, exploring how you’d react if a close friend revealed they were secretly wealthy. Shifting focus, we dig into confidence, highlighting the importance of embracing both strengths and weaknesses. We challenge the notion of toxic confidence, pushing instead for self-awareness and the willingness to acknowledge areas for improvement. We also touch on the power of financial knowledge and the importance of asking questions, even at the risk of seeming uninformed. Maybe it's time for you to interrogate the ways you've been conditioned and understand what has contributed to your responses? Embrace your strengths, acknowledge your weaknesses, and confidently move forward. Thank you so much for listening, everyone! Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

This episode is a replay of a popular episode from 2023.  If you’ve clicked on this episode it’s probably because you’re fighting that nagging feeling that you’re ‘behind’ in life. It's a topic that resonates with all of us, consuming our thoughts more often than we'd like to admit. Featuring voice notes from listeners, sharing their own experiences with this all-too-familiar sensation, and how to navigate the complex feeling of being behind in life. Feeling behind isn't just about the numbers; it's about the choices we make, the experiences we gather, and the unique circumstances that shape our journey. Together we explore the need to discern the specific triggers that make us feel behind and the underlying emotions driving these perceptions. It’s important to define your own unique path, discover your core values, and find contentment in their distinct journey. Episode highlights: Learning to differentiate between the societal pressure to conform to certain life milestones and your own personal desires and values, Recognising privilege and how comparing yourself to others who may have had different opportunities can be counterproductive, The importance of self-awareness and personal growth. “Getting aware is the very first stage, and that might be noting little things down if and when they pop into your mind or getting better at sort of slowing down and noticing when these thoughts and feelings are coming to you."Emma [11:15] “Where can you kind of move away from that goal that's been sort of drilled into you is the right thing to do."Emma [39:11] “There is no decision, there is no end destination, there is no place you can be in your life where you don't have questions about where you're going next."Emma [39:35] “The older you get, stage of life matters so much more. I've got friends that are 25 and I've got friends that are in their forties, but the stage of life is kind of more important than the age."Emma [42:26]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode, we're diving into a fantastic listener suggestion from Bonnie, who wanted ideas for making money without starting a full-blown side hustle. Bonnie, a stay-at-home mum with some evening free time, inspired us to explore creative ways to earn extra cash. We chat about various options like selling clothes, participating in specific surveys, and even casual marking for universities. The goal is to find strategies that easily fit into your current lifestyle.  Join us as we share our experiences with micro-hustles, how they've supported us in the past, and why they can be a smart addition to your financial toolkit. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. And if you want to check out the amazing work of the makeup artist Emma saw, check out emturchmakeup. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence.  This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8 Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg Where to find Maddy: Instagram: @_madaboutfashion TikTok: @madaboutfashion Website: https://www.mad-aboutfashion.com.au/ Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money!See omnystudio.com/listener for privacy information.

This week we're kicking off with part 1 of a 2 parter about a huuuge topic: confidence. We’re getting into the nitty-gritty of self-love and confidence, which are sneaky aspects of our lives that impact making financial decisions. No one is scrutinising us as much as we do ourselves, and it’s human nature (and conditioning) to think that a shiny new thing, like an outfit, makeup or even a diet program, will sort out all our insecurities. Fortunately, the best fix is free and usually what we actually need is a shift from seeking external validation to cultivating internal confidence. Listen in to find out how you can make that shift both online and offline, and how you can also be a positive force to those around you! Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

When are we buying to fix ourselves, and when are we "investing in ourselves"? In this solo episode I dive into the sometimes-dangerous advice I see on social media about "investing in yourself" (which is basically just fixing yourself and/or emotional spending in disguise), and unpack the differences between healthy investments in yourself and toxic pseudo investments in yourself. Then, we move onto a model you can use to explore 7 ways you can invest in yourself in a meaningful way, and side step that toxic side of self-investment. See omnystudio.com/listener for privacy information.

Today, we tackle our very own trolley problem: If someone gives you a lottery ticket as a gift and you win, would you share the winnings? Join us as we delve into the complexities of this scenario, pondering what we'd do if we won and what we'd expect if we were the gifter. We explore themes of transparency, generosity vs. practicality, and the dynamics of relationships. Should the recipient feel obligated to share? Would the gifter expect a portion, or is the ticket purely a gift with no strings attached? We also discuss what we'd do with the winnings both immediately and in the long term. From paying off debts to investing in the future, we consider the practical steps we'd take right after winning. Plus, we share our dream lotto purchases – from luxurious holidays to buying our dream homes. Tune in to hear our perspectives and let us know on our socials what you would do if you won and what your dream purchase would be! Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Your ears are about to be blessed yet again by the incredible Tash Invests, as we talk about the power of frugality and its role in building wealth. We explore Tash's journey of focused frugality, strategic investments, and the behavioural discipline that led to her impressive financial achievements at a young age. Tash shares her early introduction to investing, the sacrifices she made, and the frugal habits that contributed to her financial success. We also discuss how adopting a frugal mindset, even for a short period, can significantly accelerate financial progress, regardless of your stage in life. Tune in for practical tips and insights on leveraging frugality to reach your financial goals. Episode highlights: Strategic sacrifices on financial growth Understanding and controlling expenses to accelerate wealth building The challenges and strategies of maintaining frugality as your lifestyle and responsibilities evolve. “I'm not that into frugality in terms of never having any joy in your life and never doing the things that you say you want to do or saving all your money."Emma [02:01] “I was just obsessed with getting jobs for a while. I don't know why. I just, like, loved trying new things."Emma [04:25] “It's easier to not do it at all and than to try and do something in moderation."Tash [10:11] Where to find Tash Website: https://tashinvests.com/Instagram: https://www.instagram.com/tashinvests/ TikTok: https://www.tiktok.com/@tashinvests  Listen to her Get Rich Slow Club Podcast! Order Tash's book How To Not Work Forever. Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This week, we promise we're not telling pork-pies, we're tackling a dicey subject - tracking your spending. We look at various approaches - from meticulous budgeting to more relaxed methods - and their impact on financial well-being. Join us as we discuss practical strategies for managing finances, especially when you deviate from 'routine' like travel, and coping with variable incomes. We also talk about various tools for effective tracking, and how you can delve into personal spending habits, and find balance between financial goals and lifestyle choices.  Are you a never-checker or an eagle eyed control freak? Let us know on our socials! Thanks to our sponsor, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

This episode is a recast of my annual guided mid year money review that is PERFECT for taking stock of where you're at as we close out the first half of 2024 and look ahead to what's to come. Even if you've heard this 5-step review process episode before, I encourage you to listen again with this year in mind. These things are always different every time we do them!  The goal of this guided mid year money review is to get you to farm the data from the first half of the year and deploy your learnings into the second half of the year. Often we approach goal setting from a best-case-scenario mindset, which can set us up to fail. By anchoring ourselves in the mid point of the year, and using the real data of Jan - June in our finances to inform what's possible for Jul - Dec, we can set goals and intentions with context, and that set us up for success.  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

To kick off season two of The Comments Section, we're diving into the ever-complicated topic of splitting the bill or shared payments. We discuss scenarios where deciding who pays can be tricky, like group dinners, birthday celebrations, and even hen parties. We share personal stories that highlight the awkwardness and the need for strategies when dealing with these situations. We also touch on the dilemma of differing financial boundaries and capacities among friends and how it can complicate group outings. Knowing your friends' financial situations and setting clear expectations can help navigate these awkward moments - whether it's covering a shortfall or ensuring everyone is comfortable with their contributions, understanding and communication are key. Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

In this episode I take you through a mid-year update on my 24 goals for 2024. From contributing to my retirement fund every month, to reading 30 books, to learning to sew with a zip, to limiting my clothing purchases, tune in to find out how I'm tracking on those goals I set back in January.  Where to find The Broke Generation Website: https://thebrokegeneration.com Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode, I explore navigating your financial goals while existing in a world of rising costs and stagnant wages. It's crucial to maintain focus and avoid a defeatist mindset. I outline five strategies to help you build financial resilience, as well as a strong mindset. Developing both mental and financial resilience is essential for handling future challenges. Consistency is key; keep pursuing financial goals despite slow progress. Focus on your personal financial journey, acknowledge fears about economic difficulties, and stay committed to your plans. Your financial situation is unique to you! Don’t let the general narrative dictate how you think and feel about money. A previous episode ‘How to find your financial chill girl and build financial resilience’ features the three P's of learned optimism - check it out here!   Episode highlights: Honesty: Critically assess your unique financial situation and avoid generalising from the broader economic climate. Behaviour: Avoid reckless spending due to perceived economic hopelessness. Money Psychology: Recognise how past experiences shape current financial beliefs and behaviours. Resilience: Build both mental and financial resilience to better handle future adversities. Consistency: Continue working towards financial goals, even if progress is slow. “Successful people, and people that have achieved their goals, don't keep hitting pause every time they run into something like a difficulty."Emma [04:26] “Shut out the noise, shut out everybody saying everything's like this or everything's like that."Emma [06:53] “Think about how your overall money story and your overall beliefs about money might be intersecting with the way that you are behaving and experiencing and feeling about money during the difficult economic climate."Emma [15:23] Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

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In today's throwback solo-episode, I revisit a favourite from three years ago: being the main character of your finances. This concept is all about prioritising yourself and acting in ways that benefit you at your best. Main character energy requires big-picture thinking, and looking beyond short-term desires to make financial decisions that truly benefit your long-term goals. We'll discuss common behaviours that undermine your financial confidence, like spending to meet others' expectations or making impulse purchases that don’t align with your values. It's time to romanticise your financial progress, and appreciate the small wins that often go unnoticed. It's about making informed decisions, understanding your personal financial levels, and aligning your spending with your best self. Enjoy this journey back to 2021 and embrace your main character energy! Episode highlights: Reframe your mindset about money from a short-term, consumption-focused view to seeing it as a tool for long-term wellbeing and security. Recognise and eliminate financial behaviours that cater to others' expectations or short-term desires, and instead align spending with your personal values and goals. Celebrate small financial wins and progress, and understand that true financial freedom comes from thoughtful, intentional spending and saving. Accounts mentioned in this episode: https://www.instagram.com/myfrugalyear https://www.instagram.com/theroadblockcoach/ Where to find The Broke Generation Website: https://thebrokegeneration.com Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode I'm chatting about one of your FAVE topics on the pod: clothing spending. Oh, it's such a beast, isn't it?! If you relate to the feeling of outsourcing your identity to consumption, you'll love this episode.  Quick reminder: The Wardrobe Project kicks off SO soon! If you loved this episode and are ready to make changes to your clothing consumption and get hotter, happier AND richer, sign up to join us here: https://thebrokegeneration.com/the-wardrobe-project-challenge/ Episode highlights: Increasing your readiness to change by broadening your understanding of your clothing spending behaviour Why unmet expectations are at the core of the clothing spending cycle Using The Tomorrow Rule to trick your brain into making better buying decisions Using The Rule of 5 when buying clothing to help you make better decisions Focusing on what you're gaining, not what you're giving up The power of behavioural rehearsal  ORDER GOOD WITH MONEY: https://amzn.to/4bC6QV8 GET THE NEWSLETTER: the weekly money psychology and mindset newsletter (that just so happens to have fun bits like a hot & not list, things I didn't buy, and fun updates from behind the scenes. Head to www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration   See omnystudio.com/listener for privacy information.

In this episode, I introduce the concept of a "spending runway," a term I coined to describe how certain situations and emotions can lead us to spend more money as momentum builds. These runways exist everywhere, from airport shopping and home styling to event planning and beyond. For instance, an initial purchase at an airport can lead to a cascade of spending on food, magazines, and souvenirs. Similarly, starting a home renovation project can trigger a series of additional purchases as you strive for the perfect look. By recognising these spending runways, we can become more mindful of our financial decisions and intercept unnecessary expenses before they spiral out of control. I share practical tips (that I've actually tried!) to help you identify these patterns in your own life, so you can take control of your spending habits. Tune in to discover how understanding your spending runways can lead to more intentional and satisfying financial choices. On another note, my wardrobe challenge has entered a new era… Introducing The Wardrobe Project. Find out more and register here: https://thebrokegeneration.com/product/the-wardrobe-project/ Episode highlights: Discussion on how social settings, like attending events or gatherings, can create spending runways due to peer pressure or the desire to fit in. Insights into how retailers design environments to create spending runways, such as strategic product placements and promotions.. Introduction of specific budgeting techniques to counteract spending runways, such as setting spending limits and using cash instead of cards. “The airport is a really great example of an environment that creates a spending runway, not only when we're at the airport does money feel like Monopoly money like it doesn't count. We're also in the mindset of we're on holiday, we're on vacation, we can do whatever we want. This doesn't count..."Emma [10:50] “You go in for one thing, which in this instance is fairly rational. Maybe you don't need the sandals, maybe you do. It's neither here nor there, but that purchase and that environment and that intention then creates further subsequent purchases."Emma [13:06] “We like to buy, but we don't actually like to style. We think that we buy style, but we actually create style with what we've got."Emma [30:46] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In the final episode of The Comments Section, we dive headfirst into the complex nature of success. We start by exploring our personal definitions of success and how they vary, from simply getting through a tough day to making a long-term impact. We discuss the surprisingly positive power of revenge as a motivator to prove people wrong and achieve our goals. Though ‘revenge’ has negative associations, it can be a very satisfying driver of success, whether it’s in lifestyle, assets, or career, as long as you keep yourself in check. Emma also flexes her financial psychology muscles, discussing how our comfort zones around money shape our beliefs and behaviours. We touch on revenge consumption, examining how you can align your spending motivations with personal values rather than trying to prove yourself to others. We also reflect on when it’s time to pump the brakes on your revenge/success journey, emphasising the importance of regular check-ins to see your progress and setting firm milestones to properly celebrate your achievements. If you loved this series and want to see more, let us know! Is there a topic you want us to cover, jump over to our socials and let us know. Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional.  Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials! Episode highlights: Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements. Treating time as a currency allows you to make decisions that maximise your personal and professional returns. Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career. “Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution"Emma [05:06] “Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making."Emma [20:19] “You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life."Emma [27:14]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This week we’re cutting through the delulu about manifestation, money beliefs, and the practicalities of financial growth. Dissecting the difference between productive manifestation and delusional thinking, we’re emphasising the necessity of putting in the work to achieve your goals. It’s important to adopt a balanced approach, and recognise that while manifestation can set the stage for progress, it has to be accompanied by proactive steps towards your goals. We also look at societal influences on money beliefs, particularly for women across different generations and the generational shifts currently happening in attitudes towards financial autonomy. This episode isn’t a gloomy take-down of manifestation, but an encouragement to think more critically about your attitude to ‘making this happen’. If this episode has got you curious about how you can add manifestation into you life, check out this episode Emma did with Kira Matthews: https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362 Don’t forget to let us know your thoughts on our socials, and also let us know what else you’d like us to discuss in the comments section!   Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Feeling stuck in your financial journey without a clue on how to move forward? Don't worry, you're in good hands! Today, I'm dishing out 7 essential principles to jumpstart your path to better finances this year. Whether it's reclaiming time for your passions or ditching the anxiety over looming bills, these steps may seem small but they pack a punch. Embracing progress, no matter how modest, paves the way for greater achievements down the line. Have a listen and check out another episode which you may find helpful, Is it time to raise your money standards? You can also check out a heap of resources I’ve put together here. Episode highlights: Establish some form of financial structure for effective money management, whether it's through detailed budgeting or broader categorisation. Allow yourself the flexibility to spend on certain indulgences within your budget, this can help maintain motivation and prevent feelings of restriction Visualise your long-term goals and the person you want to become can make short-term sacrifices less daunting. “[Have] some money set aside that you do not touch. Whether that is $100, whether it is $1,000, whether it is $10,000, a really good way to up your money standards and increase your commitment to what you're trying to do is getting used to having money in your possession that you do not touch."Emma [19:54] “Building in a break with your financial behaviour and financial goals before you feel like you need it can actually renew your motivation."Emma [35:14] “You need breaks from being perfect with money."Emma [34:31] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Order my book, Good with Money!   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Grab an $18 green smoothie, lounge on your million-dollar sun lounge, and get comfortable as we dip our toes into the delicate balance between budget and boujie. We explore the nuances of spending habits, including the Price Per Wear/Use method and how it doesn’t apply to every purchases. Have you experienced the social stigma associated with using vouchers or coupons, and the pressure to maintain appearances? We’re sharing personal experiences and struggles with confronting financial judgments from others.  There's no one-size-fits-all approach to managing money. What’s important is understanding your personal values and finding a balance that aligns with your individual lifestyles - financial growth and self-awareness are ongoing processes! Let us know on socials how you balance out your boujie-ness! Lots of love,  Emma - in Chaos - Edwards, and Victoria ‘Fairy Bread’ Shakeshaft Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

What’s the connection between personal branding and financial management? Drawing from my own evolving personal brand, I highlight the power of aligning your money habits with your personal values. Personal branding is a holistic representation of who you are and what you stand for, extending beyond just your career and the number on your payslip. From transforming money habits to expanding the financial window, I’m giving you some actionable strategies to take control of your financial narrative. Like with any goal, sometimes there are sacrifices you have to make, and I’m taking you through the importance of strategic sacrifice in achieving financial goals, and how you can make intentional trade-offs that resonate with your personal brand. Have a listen and check out my Piping Hot Goal Setting Power Pack to help you along on what I’m dubbing ‘Project You’, or you can order my book, Good with Money! Also mentioned: Lifestyle creep vs lifestyle elevation episode: https://open.spotify.com/episode/1KWXW0JzfPJJxxLc1qTxO8?si=pJ2zhpU7RuSl1Kmf9dJAeA Episode highlights: Personal branding embodies your values, beliefs, and aspirations, shaping every financial decision. My personal evolution from chaotic spender to intentional money manager. Broadening your financial perspective to unlock new possibilities and opportunities for financial growth. “Getting to know yourself is an act of financial empowerment."Emma [04:32] “The degree to which you engage with your personal brand is really just the degree to which you’re taking control of what the outcome is going to be."Emma [20:40] “Sacrifice is often the forgotten tool of our finances, and I think that when we are more considered and we do entertain how we can use sacrifice to accelerate where we’re going with our finances and do that in a way that is aligned with our personal money brand, we can grow."Emma [26:16]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This week we’re kicking off with the unveiling of “A Cold Day in Hell” - the official drink of the Comments Section. Listen in for our Michelin star recipe* and hacks and tips for daily living, from un-aesthetic morning routines to work lunch strategies. We’re also calling to bring back the packed school lunch for grownups, and debunking the myth that sandwiches are boring. What’s important is packing food that brings you joy and satisfaction, rather than succumbing to diet culture's restrictions, or disorganised panic spending. There are so many strategies that can make being an adult so much easier, like bulk buying and outsourcing tasks, but let us know after listening what your hacks are on our socials! Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

We all love a good actionable list, and this week I'm taking you through ten wallet-friendly ways to level up your life without burning a hole in your budget. From sprucing up your morning routine to splurging on fancy hand soaps, I explore practical strategies for enhancing your lifestyle without breaking the bank. With the current cost of living, it's never been more important to prioritise upgrades that improve your life long-term (that includes improving your happiness!). Have a listen, and let me know on socials what small thing you fit into your budget that leaves you feeling like the baddie that you are! Episode highlights: Practical strategies for upgrading life affordably. The importance of carving out time for personal choice and enjoyment. How to enhance your daily routine, and indulgences without overspending. “When is a spend lifestyle creep that is going to be damaging and when is a spend actually a perfectly reasonable expression of lifestyle elevation?"Emma [05:19] “When we're actually looking at taking care of ourselves, looking after ourselves and prioritising ourselves, we have to consider the financial component."Emma [04:31] “Sometimes having something in stock and available to you is actually a really good way to stop yourself from like having that scarcity..."Emma [21:20] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Is the capsule wardrobe the new seasonal trend? We look into whether we're not just finding style inspiration online, but our entire style identity. In this episode, we dive deep into understanding your personal style and how you can avoid outsourcing your identity. From Instagram trends to the Wardrobe Pause Challenge, we explore the pitfalls of seeking identity through clothing and the importance of embracing authenticity. Join us as we navigate the complexities of shopping dynamics, body image, and wardrobe psychology. We unravel the influence of social media on our fashion decisions and the need to shift focus from trends to self-expression (and acceptance!). Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Putting money into savings and then pulling it right back out again is a common financial glitch we experience. We are not all born financially savvy or natural savers. We are not naturally inclined towards delayed gratification and saving. However, pulling money out of our savings for whatever reason is one of those things that hold us back, but when we work on stopping this behaviour from happening in the long run, it can propel us much faster toward our goals. Pulling money out of our savings is not caused by the same circumstance or mechanism, and it is worth paying attention to what is happening at different points in your finances to cultivate your financial confidence and autonomy over your money. In this episode, your host, Emma, shares more about savings and how to stop pulling money out of your savings. It's a common misconception that the main cause of our savings failures is pulling money out of our savings. In reality, the problem lies in our initial approach to saving, where we tend to put away excessive amounts. We end up over-saving and attempting to do more than we can. Listen in and get the tools to help you shift your perspective and approach to what fits your finances. Tune in! Episode Highlights: [00:01] Episode intro and what’s in for you today [05:42] Slowing down and recognizing situations in which you are pulling savings  [09:09] The difference between reactive and responsive financial behavior  [10:51] Emotional problems and how we pull savings to fuel emotional behaviors  [13:06] The PMG framework to help you work on emotional spending [23:50] Mathematical problems in calculating saving and the best antidote  [27:21] Organisational issues and how to plan in a way that looks ahead for banana skins [29:27] The focus problem and how it comes up in our financial management  [33:50] Motivation, goal simulation, and understanding how your brain responds to reward [38:51] Prioritisation problem and spending on your highest values to get the most value  [42:31] Wrap up and end of the show Standout Quotes: “When we put money into savings and pull it back out again, we are kicking ourselves and our financial mindsets in a financial gap and hurting ourselves.”- Emma [07:43] “If you try to do the right thing too hard, if you try to budget too hard or attempt achieve more than it's realistically possible, you are setting yourself out for failure."- Emma [08:19] “When you are pulling money out of your savings emotionally, you are taking money from the future you to change your emotional state in the present; you are choosing now over later but the antidote is making tomorrow more attractive than today.” - Emma [23:20] “Looking ahead for banana skins is one of those big hard hitters that is going to drastically change the sense of control that you feel you have over your finances and give you much more autonomy on where your money goes because you have that confidence that you have looked ahead and you are aware of what is coming up. ”- Emma [29:09] “Understanding how to balance your scales out and prioritise your way to financial confidence is valuable.”- Emma [41:15] Resources Mentioned Free Financial Values Workbook: https://www.thebrokegeneration.com/subscribeSee omnystudio.com/listener for privacy information.

Take a deep breath in… and out… ok now you’re ready for this week's comments section! We’re diving into the real deal of self-care beyond the pretty pictures on social media. We’re talking about how we really make self-care work in our daily lives - from nifty apps that keep us zen to those little life hacks. But hang on, we’re also getting real about how self-care’s become a bit of a shopping spree. Are we actually nurturing ourselves or just splashing cash to feel good? We’re peeling back the layers on what self-care means and spotting the difference between quick fixes and the real thing that gives us a deeper kind of chill. And, because we love getting into the nitty-gritty, we’re asking the tough questions about why we resort to these self-care 'buys'. Is it genuinely soothing us or just patching up bigger issues? From psychological insights on why we shop when we're down, to simple truths like, maybe we need to treat ourselves like a toddler to figure out what we really need, this episode is your call to rethink self-care. Don’t forget, we want to hear from you too! Drop into our socials and share how you’re keeping it real with self-care. Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

"Spending money is a shortcut to most of the feelings we crave in our lives." In this episode I'm taking you through 7 pesky little happenings that make you want to spend money, and how to break the habit of giving in and emptying your bank account in the process. From having a bad body image day to getting good news, there's always something waiting to send us into a spending frenzy. But the good news is, you can learn to master it.  I share a smorgasbord of alternative behaviours and mindset shifts to help you tackle the spending monster head on, and feel more in control of your money and your financial wellbeing.  Mentioned in this episode: Join the waitlist for the new and improved Wardrobe Pause Challenge: https://mailchi.mp/a5bafd003bec/wardrobe-pause-challenge-waitlist Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

SWOT’s going on everyone? This week, we're diving into the grit of what it's like to hit the books as mature age students and unpacking the whole "cost" of it. We're chatting about the pressure cooker of societal and cultural expectations, questioning why there's this idea that you have to jump straight from high school into higher education. Remember: it's totally cool to take your time and dive into studying when it feels right for you. So, if you're contemplating hitting the books as a mature age student, stick around as we dish out some real talk about why it's not just okay, but actually pretty awesome to take that leap of faith into the world of learning, no matter when you decide to do it. Have your own experiences you want to share with us? Check out our socials and join the discussion! Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

It's me and the mic again my friends for another solo episode, and this week we're talking all about finding your financial chill girl. Let's face it: stressing about money SUCKS A$$ – and because our brains are such drama queens, often we stress more than we actually need to. Enter: the financial chill girl. In this episode I'm teaching you the principles of mental and financial resilience to help you build a sense of chill around your money and approach money management from a resilience-first perspective.  Highlights: The antics our brains pull when experiencing financial adversity The three P's of learned optimism  How to intercept negative thoughts during financial adversity so you can get on with dealing with the issue objectively The components of financial resilience and why personalising your approach is critical Why managing your everyday money habits makes it infinitely easier to handle financial adversity + juice up your financial resilience Mentioned in this episode: GET THE PIPING HOT GOALS POWER PACK and set the best, hottest money goals of your entire life: https://thebrokegeneration.com/product/piping-hot-goals/ Get your copy of Good With Money: https://amzn.to/3TFms2p See omnystudio.com/listener for privacy information.

We’re diving back into the comments section, this time we spill the beans on the pricey pitfalls of convenience, from occasional valet parking to a regular house cleaner. Join us as we swap stories and bounce ideas off each other about when to indulge in life's little luxuries and when to hold back. It's all about finding that sweet spot where convenience fits into our lives without breaking the bank or compromising our values.Grab a cuppa and tune in as we dish out plenty of food for thought on incorporating convenience into your life while staying true to your values and financial goals. Lots of love, Fruit & Nut (AKA Emma and Victoria) x Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

In this episode, I'm sharing insights into my approach to managing my finances - what I like to call being a "hot b*tch" with money. I break down six key steps to master this mindset with confidence, and a touch of sass. On the fun side, it’s things like crafting a budget that fits your life, not the other way around. On the other hand, it’s tricker things like critically reviewing your spending habits that eventually help you to be more in control and aware of your financial standing. Working these tips into your finances can help you step away from autopilot and into financial empowerment and confidence.  Here's to embracing our inner "hot b*tch" and conquering our financial goals in 2024 and beyond! Episode highlights: Moving away from autopilot financial habits towards empowerment and self-assurance. Emphasising the value of knowing your financial status at all times to make informed decisions and avoid unnecessary stress or guilt. The importance of having financial goals and working towards them, whether big or small, as a key aspect of financial empowerment. “A hot b*tch does what she says she's going to do... By setting and keeping promises to yourself and actually following through on them, that is where we become a hot b*tch with money."Emma [03:49] “Having a payday routine is the perfect way to do the things that you say you're going to do."Emma [05:59] “Treat every aspect of your finances as data... Seeing everything as data neutralises it. It doesn't make it about you and it helps you move forward."Emma [23:43] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Order my book, Good with Money!   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This episode was recorded on the lands of the Boonwurrung People of the Kulin Nation. This land was never ceded, it always was and always will be Aboriginal Land.  The Comment Section is back for another juicy ep! This week we’re talking luxury money sh*t, and the link between consumerism and self-perception. With Soho House's expansion into Sydney, we dissected the allure and exclusivity surrounding the global members' club, and its lavish amenities and strict membership criteria.  We also compared our experience in purchasing a designer bag and explored the complex dynamics of prestige and personal expression tied to these luxury items. Beyond bags, we look at the broader questions surrounding luxury purchases, and their true value, both monetarily and emotionally. Join us as we unravel the complexities of luxury living, membership culture, and the quest for belonging in an ever-evolving society. Emma and Victoria x Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

Buying clothes again after a full year of not buying ANY... what's that like?! Well gang, I'm taking you inside my brain. Being back in the big wide world outside of my challenge bubble (I didn't buy any clothes in 2023) has been humbling. While I learned so much last year and completely fell in love with my existing wardrobe, having the option of buying again has been more difficult to navigate than I expected. In this episode, I take you through how I'm approaching solidifying my new approach to my wardrobe in the real world, the mistakes I've made now I'm buying again, and the challenges I've faced in trying to decide how to buy going forward. I also dive into the decision fatigue that comes with deciding whether something is worth buying, and discuss how I plan to achieve the sense of peace I experienced during the year-long challenge, but without never buying.  I hope you enjoy this chatty episode, thanks so much for listening.  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Get your copy of Good with Money! Out February 27th 2024 Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This episode was recorded on the lands of the Boonwurrung People of the Kulin Nation. This land was never ceded, it always was and always will be Aboriginal Land.  Welcome to The Comments Section: money sh*t chat with your hosts, Emma Edwards and Victoria Shakeshaft. In this 10 week special series from The Broke Generation, we'll be in your ears every Tuesday with chaotic conversations about money, life, and trying to exist as a grown-up, in a manner so unhinged it almost resembles the comments section of any piece of content you see these days.  This week we're moderately composed as we debrief the morning after my book launch party, and lift the veil on the reality behind events that look far glossier online than they actually are. You'll also get to know your cohost, Victoria aka @bad.bitch.money, and hopefully enjoy a giggle or two along with us.  Thank you so much for tuning in, bearing with us while we find our groove, and embracing the chaos. Emma and Victoria x Where to find Emma Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Where to find Victoria Instagram: https://www.instagram.com/bad.bitch.money/?hl=en Newsletter: https://substack.com/@victoriashakeshaft?utm_source=profile-page  See omnystudio.com/listener for privacy information.

What’s your relationship like with your money? Are you an awesome, supportive friend? A lazy roommate? Maybe you’re more of a strict and toxic boss? This episode I’m helping you to understand if you’re in a toxic relationship with your money, and what you can do to improve it. It’s essential to understand your financial behaviours and why you do what you do when it comes to making financial choices. I’m talking about proactive steps, like tackling financial admin tasks or making tough financial decisions, that you can do to strengthen your relationship with money. By fostering a healthier mindset and environment around money, you can empower yourself to make better financial decisions.  Episode highlights: Unhealthy relationships with money may involve negative feelings, avoidance, overspending, and regret, leading to a lack of control. Looking for a quick win to enhance the relationship with money? Set up and save for specific goals, both serious and fun. Carve out dedicated financial empowerment time, whether for goal-setting, visualisation, or intentional spending, you can contribute to a healthier relationship with money. “When we're talking about an unhealthy relationship with money that can look like lots of negative feelings around money, it can look like avoidance, it can look like overspending, it can look like underspending."Emma [02:48] “A healthy relationship with money looks like having a sense of peace around money. It doesn't mean that that's sitting there thinking everything's perfect, because I actually don't think that anybody ever gets to that point with money."Emma [03:51] “Where might your environment, whether that is the people you're around, the places you're around, your physical environment, your routines, your habits, your home, your norms, your standards… Where might those things be upholding your negative relationship with money?"Emma [16:11]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Content warning: This episode discusses topics of family violence and financial abuse. In this episode, I talk with Serina McDuff, the acting CEO of Respect Victoria, shedding light on recognising early signs of financial abuse in relationships. Our conversation explores the need for open dialogue about finances, challenging societal norms, and fostering communication to create safe and consensual financial dynamics. These conversations can be with your own partner, family members and friends, and they are so essential. Serina emphasises that financial abuse can affect anyone, regardless of financial stability, and the importance of being proactive in understanding and addressing these issues. Throughout our discussion, Serina also provides valuable insights into creating consensual and safe financial arrangements within relationships. Episode highlights: Financial abuse is recognised as a form of family violence where one person in a relationship exercises control over another person through financial means. This can include monitoring spending, controlling funds, pressuring to take loans, and more. We discuss common red flags in relationships that may indicate financial abuse, such as isolation, control over finances, pressure to quit a job, gambling with shared money, and exclusion from financial decisions. The importance of having early conversations about finances in a relationship, and normalising discussions about money can help prevent financial abuse by allowing partners to openly communicate their expectations and goals. “The broader societal expectations and sort of traditional gender roles that many of us have grown up with and many that continue to be entrenched today that can be the context for family violence."Serina [09:57] “It's totally okay to have a joint bank account, you know, but at the same time we would say, hang on to a bank account of your own."Serina [24:45] “You might have different views and you might sort of disagree, but you should be able to kind of navigate that the way that we do in healthy relationships where you agree to disagree or you don't feel unsafe in those conversations, you're just trying to work out what you should do as a couple."Serina [28:09] If the content in this episode raises any concerns, you can find out more information and support at www.respectvictoria.vic.gov.au www.1800respect.org.au/violence-and-abuse/financial-abuse/toolkit   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Order my book, Good with Money! Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

My book, "Good With Money" is finally out! This book goes beyond finances; it's about self-discovery, understanding spending habits, and reshaping your relationship with money. I’ll guide you through the book's five sections, exploring non-financial narratives and the intricacies of personal psychology in money management, complete with bonus page turning ASMR. I’m also sharing excerpts, with a sneak peek into the themes of financial empowerment and confidence explored in the book.  I hope it becomes your guide to mastering money habits and navigating your unique financial journey. If you do get a copy of the book, snap a picture of it and tag me on your Instagram stories - it’s out in the wild now!  Episode highlights: A bit of real-talk - I have some mixed emotions now that the book is out! The journey from writing to seeing it in bookstores has been overwhelming but exciting. Get a sneak peek into how the media has impacted women's financial empowerment and how social media influences financial decisions. “I sort of look beyond the everyday habits of getting good with money. That is my sweet spot. That is what I, you know, focus on the most for getting good with money to getting you from Hot Mess Express to feeling financially confident."Emma [18:56] “I could not write a book in 2024 that does not address the importance of understanding how to grow your money, how to, you know, go beyond having savings, what to do when you've got all your emergency fund and everything sorted out, growing your money long into the future and looking at that more wealth creation, stability, preservation side of things."Emma [21:11] “We're programmed to join the masses to survive, like following the crowd who are running from a predator. If you lose the pack, you die. But now let's think about our financial behaviour. To what extent are we mirroring the norms of others around us, or outsourcing the appropriateness of our financial decisions to what others are doing?"Emma [24:53] Loved what you heard? Order my book, Good with Money! Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

I'm sharing 12 money lessons that really made a difference in how I handle my finances. We're talking about things like planning for the long term, being smart about spending in a world full of temptations, and making sure your spending matches up with what really matters to you. I also get into understanding your own 'money story,' the importance of not always going for instant rewards, and saving money without a specific goal in mind. Take a listen to get all my tips and tricks for building a better relationship with your money, making the most of it, and using it to make your life better. Episode highlights: Shifting perspective from immediate spending to long-term savings. The importance of aligning your spending with your values - your bank statement reflects your priorities. Saving money without a specific goal. Understanding that discomfort and resistance is a normal part of changing habits. “There is no shame in saying to yourself, ‘Look, I need to spend some time learning how to better decide where my money goes, learning how to be resilient to these things, learning how I spend, looking back at where my money has gone, actually getting a handle on where my money is going.’"Emma [09:20] “One of the best goals you can have is to have your bank statement really reflect what matters to you."Emma [16:10] “The memories that you have about money will impact the way you behave."Emma [23:30] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Pre-order my book, Good with Money! Out February 27th 2024  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Inspired by my friend Peta's podcast episode on setting standards in business (go listen if you're a business owner), today's quickie episode gets you thinking about the standards you're living by with your own personal finances. The habits we engage with create standards that we live by, and interrogating these standards can help us get out of our own way and start living to our full potential.  We explore the standards you might be accepting in your finances, and how you can look at raising your standards to get more out of your money and the way you experience the financial side of life.  Your challenge after this episode is to live your life as normal for one week, and look at the standards you're allowing into your personal finances. Are you making things harder for yourself by choosing immediate enjoyment over longer term goals? Are you kind of addicted to the chaos of starting over every month? Are you so used to having your value dictated by a salary you're not happy with that it's become part of what you accept as standard? This one will get you thinking.  Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money newsletter that'll make your habits stick: www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this week's episode I'm joined by author of Kids Ain't Cheap, Ana Kresina. Ana joins us to talk about the realities of managing your finances as a parent, how we can prepare if we're planning to have children, and how it can change the way we think about money as a whole. Highlights:  addressing our fears around the financial aspect of having children, and unpacking where that comes from and how to manage it the multifaceted cost of having kids preparing our finances ahead of having children navigating time out of the workforce, and the the gender pay gap and super gap our generation is doing things differently, and we're parenting differently too Where to find Ana: Book: Kids Ain't Cheap: https://www.amazon.com.au/Kids-Aint-Cheap-financially-parenthood/dp/1922611891  Podcast: Get Rich Slow Club https://open.spotify.com/show/6UEj6JvBGvxCNw4z44nV6m Instagram: https://www.instagram.com/anakresina/?hl=enSee omnystudio.com/listener for privacy information.

I hired a stylist and I'm taking you on a deep dive into what my experience was like, what happened when we went shopping, and the things I learned about my consumption habits. I recorded this episode just hours after I completed my personal shopping session to give you the real raw insights into what it was like as a curvy, jiggly gal trying on endless items of clothing in the space of 4 hours.  Highlights: The relationship between consuming clothes and how I feel about my body The ways I'd previously have bought things and how having a stylist changed that for me Observations on how we view having "enough" clothes How we approach tapering our desire to buy more, more, more  The experience of trying clothes on for hours on end, and the feeling of finding stuff that really worked The role of a stylist when personal shopping, and the pre-and-post services that I'm engaging. If you're interested in hiring a stylist yourself, you can find Maddy at the below links: Instagram: @_madaboutfashion Website: https://www.mad-aboutfashion.com.au/See omnystudio.com/listener for privacy information.

In this episode, we're diving deep into goal setting in a way you might not have considered before. We'll be looking at what goes into setting goals, how goals actually work, and why it actually doesn't matter if you achieve them or not. The simple presence of having goals can be enough to change your behaviour for the better. Highlights: The incomes vs outputs method of building conscious action The magical blend of conscious and subconscious action towards a goal The actual function of goals in changing behaviour Factors that determine the likelihood of achieving a goal The relationship between goals and behaviour change Why achieving your goals isn't necessarily about hitting the nail on the head How to strategically use goals to improve your finances and your life Changing the way we see the role of goals Episodes mentioned in this episode: How to change your financial behaviour according to science Can you really manifest money? With Kira Mathews  Also mentioned in this episode: Reflect & Reset workshop – purchase the recordings now Where to find The Broke Generation Website: https://thebrokegeneration.com/ Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

In this episode I’m joined by positive psychology practitioner and author of Choose Joy, Sophie Cliff, to discuss how we can inject a little more joy into our lives.  Highlights: What actually is joy and how can we define what it means to us? Why joy is so often linked to spending and consumption How to find joy without spending any money Reprogramming your brain to notice the little moments that make you happy Why we’re so used to dwelling on the negatives Balancing good and bad days, moments, and feelings Research-backed ways to find more joy Where to find Sophie: Book: Choose Joy, available at all major bookstores. Instagram: @sophiecliff  Website and programs: https://sophiecliff.com/ Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials  See omnystudio.com/listener for privacy information.

It’s the long awaited wardrobe freeze update! In this episode, I’m sharing my reflections on completing a year without buying any clothes. I share the challenges and the wins, diving into what I discovered about myself and my existing wardrobe. I also unpack the strategies that got me through the year, and the importance of mental preparation and finding balance in various life aspects. From weight fluctuations to rediscovering treasures in my closet, I’m sharing the valuable lessons learned during this period of intentional living. Looking ahead, I’m laying out my game plan for the next year and figuring out how to put into action what I've picked up. This involves tweaking how I approach clothing consumption - thinking about making my own, trying out rentals, and, of course, doing a bit of shopping. Join me as I continue this journey of mindful consumption, reflecting on the past and stepping into a future where my relationship with clothes is not just about style, but about conscious choices and sustainable practices. Episode highlights: I finished my wardrobe freeze! Insights into the challenges and wins during the wardrobe freeze, How to prepare, physically and mentally, for a freeze, The financial aspects of the challenge - how much did I save by not buying clothes? My future plans post-wardrobe freeze, including seeking the help of a stylist! “I have a photo album on my phone of over 120 outfits I think that I put together throughout the year."Emma [17:35] “Spend time in your wardrobe, spend time with the stuff that you've got. Get to know the stuff that you caught by setting aside half an hour on a Saturday morning or an extra half an hour when you're getting ready."Emma [17:48] “A lot of things will happen during a year. They'll be events that you didn't even know you were going to go to yet. There will be feelings that you have about the way that you look."Emma [22:12] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Pre-order my book, Good with Money! Out February 27th 2024  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It’s 2024, and I’ve set 24 goals for myself, my finances, and my business. From spontaneous trips to doubling my podcast listenership, these goals reflect a mix of building on past achievements and future growth. Balancing bold targets, such as running a live event, with practical steps like monthly business strategy reviews, I'm determined to make 2024 a transformative year. Join me on this journey and share your 2024 goals too! Plus, if you fancy leaving a podcast review on Apple Podcasts or a star rating on Spotify, you'd be helping me kick off one of my goals! Episode highlights: Reflecting on the achievements of last year's goals, The impact of having a list of goals, emphasising accountability and self-reflection, Building routines, with the intention to develop more structured habits in my daily life, Striving for balance in personal and professional life, with specific goals related to financial and business aspects, The value of interconnected goals, where working towards one, actually helps another goal too! “So I feel like I've gone from a year of experimentation… and now I want to like, refine that and sort of lay down some patterns using that data."Emma [10:57] “I'm sort of getting into that mindset of working three months ahead of myself in terms of what I'm planning to do, so that I can think about plotting out those times I want to take off ahead of time rather than trying to take it off in the moment"Emma [27:43] “If I can give anybody any advice in terms of, like I guess, mental health and finding your passions and things like that and like finding yourself, it's find things to be proud of that aren't work."Emma [46:32]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Pre-order my book, Good with Money! Out February 27th 2024  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this last episode of The Broke Generation podcast for 2023, we’re diving into the annual Guided Reflection, exploring the highs and lows of our individual financial journey this past year. I’ll walk you through some helpful questions and introduce my LILAC framework (Leave, Improve, Learn, Achieve, Carry) to gain insights into your successes, challenges, and major life events and to help you plan for the upcoming year. Now armed with this valuable data, it's time for you to sit with it, empowered to plan your next year with intention. It’s time to leave behind what no longer serves you, seek improvement, continue to learning, and set achievable goals. If this episode has you hungry for more reflection, check out my Reflect & Reset workshop series, you can watch the replay for session one now, and catch the second workshop on the 14th of January. And hey, don't forget about my upcoming book, "Good With Money," available for pre-order, check the links below.  I’ll see you next year! Episode highlights: Work through my Guided Reflection, a lite version of my Reflect & Reset workshop series, Looking back at major events, experiences, financial ups and downs, and leveraging that reflection for personal growth, Unpacking the LILAC Framework (You know I love a framework!), Bring clarity to your financial situation, understanding personal behaviours, and setting meaningful goals. “Reflecting is so powerful and I'm going to go out on a limb and say, I actually don't think that you can do the deep work on your money mindset, your money perspective to change your reality without doing a bit of reflection."Emma [04:35] “Think about if your year in money were a book or a movie, what would it be called? What would the Shownotes be? What would the reviews be?"Emma [19:23] “How do we hold ourselves back? How did other non-financial things perhaps get in the way of our financial progress?"Emma [22:43] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up for my Reflect & Reset Workshop Series, workshop one is now available for replay! Pre-order my book, Good with Money! Out February 27th 2024  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Welcome to part two of my Year in Review! In case you missed the first part, it dropped last Thursday, so be sure to give that a listen. Today, we're diving in from July, where I'm sharing the highs and lows of juggling running my own business, writing a book and everything else that life felt like throwing at me! From working to the bone on my book, to dealing with the challenges of maintaining mental health, we're covering it all.  Despite some very heavy challenges, the second half of the year definitely started to come up (thanks Milhouse Mindset!). While in rock-bottom’s basement, my book was eventually becoming more solidified, and my wardrobe challenge gave me an extra boost of positivity. Reflecting on the year, I'm proud of overcoming challenges and finding a level of financial stability in my second year of full-time self-employment. So, let's jump right into the second instalment of my journey through the year. Episode highlights: Finding my rhythm with university studies and the rest of my schedule, The importance of scheduling breaks and maintaining boundaries when it comes to rest, The importance of the supportive business community, How the Milhouse Mindset has been helping me in the later half of the year (Check out Episode 115: My game-changing mantra for the last 3 months of 2023). “By the middle of the year, really started leaning into the really lovely business self-employed community that I kind of cultivated over the last few months."Emma [07:59] “Now I can chill a little bit before we hit the ground running in the New Year in terms of like goals and stuff for 2024."Emma [33:13] “You sow seeds, and they bloom. I'm hoping that in the new year they can bloom. And I've also, you know, I'm not going in blind, but a bit of a direction for what I want to do in Jan and beyond."Emma [35:50] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Pre-order my book, Good with Money! Out February 27th 2024  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Strap in for part one of a two-part year in review extravaganza! I walk you through each month, sharing the behind-the-scenes of my life, money, and business. From navigating the challenges of self-employment, to the complexities of health issues and the exciting inception of the year-long wardrobe pause challenge, this year has been non-stop! In between everything else, I have also been writing a book (available for preorder now!), and in this episode I’m giving you a peak behind the curtain about how I went about juggling that with the rest of my life. I also get real about how my freelancing and sponsored content has been going, and where this podcast fits in amongst it. Stay tuned for part two, where I'll be talking about the latter months of 2023, I promise it’s more positive than the start. Remember - Milhouse Mindset! Episode highlights: It’s my first full year of being self-employed! I’m chatting about what I’ve learned from it, Challenges in mental and physical health, along with a busy schedule due to study, Writing my book! Holy moly this is a big chunk of my year, but obviously it has a good ending! Reflection on the podcast's growth, and the challenges and complexities of sustaining a podcast. “This year in general just turned out very different to how I expected in terms of like I had some mental and physical health things that needed to be dealt with."Emma [06:41] “I kind of realised that I wanted to finish study and I wanted to finish the book before I did this, sort of like next, I guess, phase because of, I guess the uncertainties that I was feeling around that."Emma [07:54] “I knew that completing the book would not only give me this kind of beacon to stand behind of like what my work represents and also the confidence of standing behind that and the accomplishment and the achievement of finishing that project, as well as my study."Emma [09:05]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Pre-order my book, Good with Money! Out February 27th 2024    Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

‘Tis the season for reflection! This episode I’m kicking off with a review of my 23 goals for 2023, both my achievements and setbacks, and exploring the reasons behind why some goals weren’t met - and whether I’ll be giving them another crack next year. I’m sharing insights into my own personal growth over the year, the challenges I faced, and the emotions tied to achieving my goals. I also share personal highlights, such as overcoming the mental hurdle of getting a new car and the importance of taking breaks. Whether they’re fun activity based like rock climbing, or important super contributions, goals should be made for yourself!  Episode highlights: Reflecting on the benefit of adding a level of accountability to goal setting, The importance of flexibility in adjusting goals, especially when faced with unexpected challenges, Overcoming mental hurdles in financial decision-making. “Even if you do not share your life and your goals with the internet and listeners and things like that, I really encourage you to just set a list of 24 things that you want to do, even if those things aren't even necessarily hard, just things you want to do."Emma [02:42] “I have really found that it's pushed me to saying ‘come on, we've got three months left of the year. Which of these can you do?’ Or even just take a step closer to some of them."Emma [03:00] “I'm pretty happy with having this list because I'm like, you know what I'm going to put I'm going to find $1,000, or if it's 500, I'm going to put it in there so that I have done something for future me."Emma [13:12] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In today's episode, I’m sharing a personal technique I've been using to boost my productivity and achieve goals - making promises to myself. When you make a promise to a friend, you work hard to keep that promise, right? So it’s time to treat yourself with the same level of respect and commitment! I’m covering four big reasons why this approach is effective and how it can be applied to various aspects of life, not just your finances. I also have a little challenge for you, to help build momentum fostering self-respect and building a positive self-identity. Tune in to discover how this method can enhance self-trust, improve financial habits, and create a routine for achieving larger goals.  Episode highlights: Micro actions lead to macro results, Integrate positive habits into daily routines with small daily promises, Build momentum, learn what works and refine your routine for long-term success. “I've had a lot of hard things to do, like life stuff, business stuff. I've had to pretty much bribe myself to be a functioning adult."Emma [02:43] “Making a promise to yourself not only sets the intention at the time but actually brings that concept of saying, I'm going to do this, I am respecting myself."Emma [06:43] “Every time you follow through, when you break something down, follow through with it, the power is back in your hands and allows you to go a bit further and a bit further and a bit further every single time."Emma [14:10] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Have you got your card details at the ready for Black Friday tomorrow? Maybe you’re hanging out till the Cyber Monday deals instead? I’m swooping in with this episode just before tomorrow’s frenzy with a bit of insight into the psychological aspects that can influence our spending behaviour during sale periods. The current economic landscape, marked by reserved spending and consistent interest rate hikes, can make even the most disciplined saver more susceptible to the allure of a good sale. Now is the time for mindful decision-making! I’m also discussing the challenge of dealing with regret avoidance spending, (Hello FOMO!) especially when faced with significant discounts. This is the time to be strategic, isolate your shopping behaviours, and prioritise mindful spending over impulsive decisions.  Tune in for some practical tips, including price comparisons, checking alternative platforms for better deals, and leveraging discounts and cashback opportunities. Episode highlights: Experts are predicting significant discounts during Black Friday, with 71% of retail experts expecting high discounting, Five #SpendingTraps that could test you this sale season The importance of comparing prices, checking alternative platforms like marketplaces and Depop for better deals, and leveraging discounts and cashback opportunities to maximise savings. “Because of the cost of living crisis, people's discretionary spending is down. We're being a lot more reserved. So they're needing to entice us to spend a little bit more."Emma [03:40] “Be really, really careful with big discounts when you see them because it's going to throw everything else out of context."Emma [10:17] “Being good with money does not mean being perfect. It's all about how you respond."Emma [25:31] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

By now, you've probably heard me talk about the significance of aligning your personal values not just with savings and investments but also with your day-to-day spending. In this episode, I'm highlighting the importance of recognising and understanding your natural spending tendencies and how they shape your financial behaviour. It's about mastering the art of blending your financial choices seamlessly with your unique personality and priorities! Like most things, there are pitfalls and exceptions to navigate. I share my own experiences, shedding light on the nuances of values-based spending, and the ongoing challenge of distinguishing between conditioned wants and genuine needs. The beauty of this approach lies in its dual nature: indulging in things that truly matter while also saving or investing in alignment with those core values.  And because learning doesn't have to be all serious, I've got a couple fun exercises for you to try. These will guide you in uncovering and comprehending your financial values. Remember, getting to know yourself is the first step in getting on top of your money! Episode highlights: The importance of understanding and acknowledging your behaviour and motivations, How savings and investments can also honour your values, contributing to your overall financial well-being, Assessing how well current financial behaviours reflect values and potential for adjustments. “It's a lot easier to shut out a lot of that noise when you have your financial values nutted out and you really get into the flow of aligning your money to these values."Emma [10:34] “I've noticed a lot that my priorities, my values are shifting and not like going against each other, but more just becoming more refined."Emma [17:55] “Finding a way to honour your values in some way in your financial routine makes your money, makes your relationship with money instantly stronger, and it makes it easier to engage in the behaviours that are conducive to positive financial outcomes."Emma [31:07]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

If you’ve clicked on this episode it’s probably because you’re fighting that nagging feeling that you’re ‘behind’ in life. It's a topic that resonates with all of us, consuming our thoughts more often than we'd like to admit. Featuring voice notes from listeners, sharing their own experiences with this all-too-familiar sensation, and how to navigate the complex feeling of being behind in life. Feeling behind isn't just about the numbers; it's about the choices we make, the experiences we gather, and the unique circumstances that shape our journey. Together we explore the need to discern the specific triggers that make us feel behind and the underlying emotions driving these perceptions. It’s important to define your own unique path, discover your core values, and find contentment in their distinct journey. Episode highlights: Learning to differentiate between the societal pressure to conform to certain life milestones and your own personal desires and values, Recognising privilege and how comparing yourself to others who may have had different opportunities can be counterproductive, The importance of self-awareness and personal growth. “Getting aware is the very first stage, and that might be noting little things down if and when they pop into your mind or getting better at sort of slowing down and noticing when these thoughts and feelings are coming to you."Emma [11:15] “Where can you kind of move away from that goal that's been sort of drilled into you is the right thing to do."Emma [39:11] “There is no decision, there is no end destination, there is no place you can be in your life where you don't have questions about where you're going next."Emma [39:35] “The older you get, stage of life matters so much more. I've got friends that are 25 and I've got friends that are in their forties, but the stage of life is kind of more important than the age."Emma [42:26]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It’s the final guest episode of the year and I am so excited to be joined by Annalise McCarthy, owner and founder of ‘Her Speaking Coach’. This week, we're delving into the often intimidating world of confidence, communication, and self-belief as Annalise explores the five factors that frequently hinder women from speaking confidently: fear of judgement, perfectionism, imposter syndrome, comparison, and people-pleasing. We discuss how these factors can be interconnected and how they can impact our ability to speak up and trust ourselves. Annalise stresses that building confidence isn't solely about mastering the technical aspects of speaking; it's also about cultivating a resilient mindset, and embracing your individual voice. External validation is a natural human need, but the journey towards self-belief involves finding a balance between seeking validation and developing internal self-trust. Remember, building confidence is a continuous journey, and it's crucial to prioritise self-compassion, self-awareness, and a dedicated commitment to challenging these limiting beliefs. Episode highlights: How confidence in speaking is not just about having the right tools or techniques but also about working on your mindset, voice, and body language, Addressing the challenges people face when trying to express themselves, advocate for their ideas, and overcome self-doubt in various aspects of their lives, not just in formal presentations, The importance of confident listening - confident communication involves both speaking and listening effectively! “The more that you avoid that fear, you validate the fact that it's scary."Annalise [10:45] “It's so hard to know where to start with breaking out of those things when they've been such ingrained patterns. I'll think that I've got over a hurdle I've been having, but then something will happen… and it kind of rears its ugly head again."Emma [26:26] “We talk about these powerful tools that we can use to overcome that external validation piece and to overcome perfectionism, whatever it might be. I think it's really human to want to be validated."Annalise[28:50] Where to find AnnaliseWebsite: https://www.herspeakingcoach.com/Instagram: https://www.instagram.com/herspeakingcoach/LinkedIn: https://www.linkedin.com/in/annelise-mccarthy-b31533142/ Where to find The Broke GenerationWebsite: https://thebrokegeneration.com/?v=518f4a73881Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

It’s the penultimate guest episode of the year! This week I’m joined by Kate Campbell, financial educator, and co-host of the Australian Finance Podcast - and now author! We discussed the value of investing and how it connects with our life goals. Kate emphasised the importance of reframing your identity as an investor and starting small to build confidence. We also explored how personal values and experiences can shape financial decisions and the significance of questioning advice from others. Kate stressed that taking one step at a time, enhancing financial literacy, and asking better questions when working with financial professionals can lead to better financial well-being. With Kate’s book now out, we also unpacked the significance of prioritising relationships and allocating time and resources to nurture them. The balance between living in the present and securing a better future, with a focus on relationships and well-being as key aspects of a fulfilling life. Episode highlights: The challenge of dealing with pushback from friends and family who may have different values or life goals. Forgiving yourself for past financial decisions and understanding that those decisions were made based on the knowledge and experiences available at the time. The concept of taking ‘healthy risks’ in investing and starting small, learning as you go, and seeking support from resources like podcasts, courses, and online communities. “I honestly think that one of the most powerful things I did for my finances was forgive myself for everything that I did, quote unquote wrong or everything I didn't do because there's a unique type of shame that relates to things that we think we should have done or that we should have known better."Emma[16:29] “The answer lies within you, and I think this is why a lot of people, particularly with money stuff and particularly investing, you learn and you learn. And then there comes a point where you can’t learn any more. You’ve just got to make yourself do it."Emma [26:33] “There's not really a free lunch in investing. If someone's offering you something for free, really start to question it."Kate [39:45] “If we can focus a little bit more on the relationship piece and if we can allocate a bit more time and money to that side of things, then we're going to be happier longer term."Kate [50:52] Where to find Kate Campbell Website: https://buyinghappiness.com.au/Instagram: https://www.instagram.com/katecampbellausLinkedIn: https://www.linkedin.com/in/katecampbellonlineAustralian Finance Podcast: https://www.raskmedia.com.au/podcasts/australian-finance-podcast/ Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Lately, I've been going through it, just like many of you. 2023 has thrown everything at me, from life stuff to financial struggles. But guess what? I got sick of myself moping around and identifying with the struggle. I’ve found myself a mantra that feels like I’ve hit reset on my year - Enter the Milhouse Mindset!  Listen in to find out how Milhouse Van Houten is helping me to change my perspective and believe that things can work out. I'm inviting you to join me in the Milhouse Movement for the last three months of the year. Whether you've had an amazing 2023 or a tough one like me, embrace this mindset. It's all about looking on the bright side, taking opportunities, and believing that things are going your way. And you know what? It's empowering, it's exciting, and it might just change your life.  So, get your flood pants and join the movement, share your Milhouse moments with me over on Instagram, and let's make the most of the rest of 2023. Episode highlights: How I’m embracing my new positive approach for the last three months of the year, regardless of my experiences in 2023. Alongside my new mantra, I’ve been committing to regular self-care, looking after mental health and physical health “I got sick of myself identifying with this struggle because I had found this, I guess, comfort and identity there."Emma [08:38] “I have been finding myself... doing things that I have been too scared to do all year or too stuck to do."Emma [14:37] “So I'm in full Milhouse Mindset mode at the moment. October, November, we are showing up for ourselves. I am just being like, You know what? We're going to go for that. We're going to try and make stuff happen."Emma [15:09]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This week I’m grooving into another solo episode, looking into eight low-effort ways to enhance your finances without much hassle. We all know life's a bit rough these days. Whether it's dealing with the cost of living or just bracing for the unexpected, it's been one heck of a rollercoaster. But guess what? We're in this together, and I've got some tricks up my sleeve to make it a bit easier. So, grab your coffee, give this episode a listen, and get ready to upgrade your financial game. I'd love to hear if you try any of these tips, and remember, it's all about making money work for you, not the other way around. Episode highlights: Work on identifying and updating your financial values to align your money with what matters to you, Focus on one high-impact financial improvement at a time, Prioritise action and make small changes to improve your financial situation. “Where a business would have like a marketing budget and an event budget… for the full year or per quarter, you can sort of do that yourself with your own finances by looking at those zoomed out numbers."Emma [15:15] “When you feel overwhelmed and you don't know what to do, what you should be doing, what's the most, what's the best thing to do? Just pick one thing and put your energy into that. Because doing one thing is always better than doing nothing."Emma [19:45] “What matters to you and how you can align money to improving your life, whatever that looks like for you, that sense of control is immediately flipped."Emma [21:36]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegeneration|TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Got a long walk or drive planned? Queue up this ep, because it’s a long one! Joined by Jess Brady, I delve into the world of personal finance, shedding light on the psychological aspects that often overshadow the numbers. Jess, is an expert in financial psychology and founder of Green House, a financial literacy program. We explore two distinct mindsets: financial stragglers and financial strivers. Financial stragglers tend to avoid accountability and justify their financial behaviour, while financial strivers embrace change, set meaningful goals aligned with their values, and learn from their mistakes. Jess emphasises the importance of deep self-reflection regarding one's relationship with money and suggests asking hard-hitting questions to uncover beliefs and behaviours. She challenges the normalisation of being "bad with money" in society and advocates for a more open and supportive financial community. Anyone can shift from being a struggler to a striver by embracing personal accountability, seeking support, and aligning their financial goals with their values for a future filled with financial freedom and flourishing. Episode highlights: The importance of thinking about money in the context of one's entire life rather than just day-to-day finances. The cost of accessing traditional financial advice has been on the rise, making it less accessible to many people. Understanding one's core values and aligning financial goals with those values, without this alignment, financial strategies are less likely to be effective. Mindset, personal accountability, and the willingness to learn and make changes, when it comes to finances. “I love Conscious cash flows. I don't like the word budget. It feels like dieting, very restrictive, very boring. It doesn't work for me and it certainly doesn't work for many of the people that I've worked with in the past."Jess [12:15] “Most people have never learned formally anything about money. You know, it's really been left to the people around us to role model. Some did it exceptionally well, some didn't do it very well. And we can learn from their mistakes, but they role model it in an environment that is exceptionally different to where we're at today."Jess [17:13] “People are very passive, and we let that sort of autopilot, as I call it, kind of run the show when we're not really making decisions in any part. We're not really balancing the now and the future."Emma [20:32] “I think in any area of our life, if it's important to you and if it's worth whatever's on the other side, to be passive is kind of selling yourself short."Jess [21:45] Where to find Jess BradyWebsite: https://jessicabrady.com.au/Instagram: https://www.instagram.com/jessbrady_financialadvice/LinkedIn: https://www.linkedin.com/in/jessica-brady-21165812/Join the waitlist for The Greenhouse Money Program, running in January 2024!   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Last week’s episode was all about breaking free from the spending hamster wheel and highlighted the importance of recognising the underlying emotional needs that drive our spending behaviours. Today, I'm delving deeper into this topic by exploring some common money beliefs that might be holding you back. These beliefs often linger in the background, quietly influencing our financial decisions, without us ever really noticing. Let's dive right in! First up, the belief that "money will always be there." It's like a safety net, right? But sometimes, it can lead us down a path of reckless spending. We'll explore how to regain control over this belief and your finances. Next, we've got the classic belief that "money is always hard." Who hasn't felt that way at some point? But I'll show you how to change your response to unexpected expenses and build a more positive outlook. And finally, we've got the belief that "I deserve to spend my money." We all do, but when it turns into impulsive spending, it can be a problem. I'll help you find alternative ways to treat yourself without emptying your wallet. Episode highlights: Learn how to understand the link between your beliefs and behaviours when it comes to money and spending. Overcome financial challenges and reduce shame associated with your money choices. How to work on your money beliefs is an ongoing process, not a one-time fix. It's a tool to help navigate money throughout your lifetime.   “I want to help you start to understand the link between beliefs and behaviours. Because when we start to understand what is driving our behaviour, that's when we can really start to neutralise those beliefs eventually and make them more positive and then experience the outcome, the behavioural outcome as a result."Emma [04:59] “Most [financial] experiences have a practical element of what is literally happening and then an emotional meaning that's put on to that or an emotional way."Emma [09:07] "Sometimes what you deserve is to keep that money for another time when money can really be used as a resource to help you live your life, to help you experience life in a better way rather than in that immediate moment."Emma [30:10] "It's a really powerful pocket of personal finance because so often we focus solely on the behaviour and that can kind of keep us focused on trying to change something that is kind of like broken from within."Emma [30:46] Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816Instagram: https://instagram.com/the.brokegenerationTikTok: @the.brokegeneration  Interested in joining the next Midseason Wardrobe Pause? Sign up here: thebrokegeneration.com/the-midseason-wardrobe-pause Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Have you found yourself in a spending hamster wheel? Stuck in a cycle that seems impossible to break, with an urge to spend money, even when it doesn't align with your goals? This solo episode I’m breaking down the cycle, showing you how to identify what motivates your spending, and understand the emotional needs behind the spending. I’m sharing my own experiences of being stuck in this cycle and feeling like my financial outcomes were out of my control. I've learned to step off that hamster wheel and take control of my financial behaviour. This process involves identifying the motivator behind my spending, understanding the needs I’m trying to meet, and redirecting my behaviour in healthier ways. Rather than just focusing on cutting spending, it's essential to treat the underlying causes of your financial behaviour. By breaking the cycle and reprogramming your responses, you can achieve better financial outcomes and build self-trust. It's not about avoiding spending altogether but making conscious and empowered financial decisions.  Episode highlights: Understanding the spending hamster wheel, and the steps you can take to break it Uncover the underlying emotional needs driving your spending behaviour. How to redirect your energy and behaviour toward more productive alternatives. Building self-trust by consciously practising new spending behaviours and making mindful choices. I want you to think about the need that you try and meet when you spend money. Is it an emotion that you are trying to soothe? Is it a feeling you're trying to obtain? Is it about control?Emma [16:52] If you could buy who you wish you were, if you could buy your way out of low self esteem, then we wouldn't be here working through this.Emma [26:57] You can have peace from your spending decisions. You can feel truly in control, not just a perceived sense of control.Emma [32:23] Learning how to spend money is not something that we're taught, and it's not something that's covered often in personal finances until you meet me.Emma [35:17]   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Interested in joining the next Midseason Wardrobe Pause? Sign up here: thebrokegeneration.com/the-midseason-wardrobe-pause  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

In this episode I’m joined by Trenna Probert, as we tackle the big area of finance a lot of us don’t want to think about - retirement. Trenna is the co-founder of Super Fierce, a platform dedicated to helping people retire with financial security. Trenna is a passionate advocate for financial security, especially for women and minorities. Our discussion revolved around redefining retirement as a positive and integral part of life, challenging the negative narratives surrounding it. Trenna emphasises the importance of choice in retirement planning, sharing her personal journey of financial challenges and rebuilding. The gender gap in retirement savings was another important topic we explored, dispelling the myth that women are worth less economically. Trina stressed the need for women to prioritise simple steps to improve their financial well-being. Throughout the episode, we worked to reframe retirement as a positive and achievable goal, highlighting the need to embrace life's unpredictability and learn from our past financial experiences. It’s important to realise that none of us have it all figured out, but with the right mindset and support, we can navigate life's financial challenges and secure a brighter future. Episode highlights: Reframing retirement as a natural and exciting part of life, with everyone deserves a fulfilling future. Exploring the concept of "failed to fierce," where stumbling or failing is part of life, but it's how we respond and innovate that matters. Trenna shares the power of taking small steps today, and how even minor changes can significantly impact future financial well-being. The gender wealth gap and the need for equity in retirement planning. Check in on your private health cover - if you have it! Think about what could happen in your life, at different stages, that you would need covered. "This is my life. I'm going to lean into my life. There are always going to be things that you cannot plan for. The only thing that you can control is the way that you respond to it."Trenna [31:22] "It's not about the failure. It's not about the stumble. It's what you do in the moment that matters."Trenna [33:33] “Looking back is actually really important when it comes to looking forward”Emma [50:50] Where to find Trenna Website: https://superfierce.com.au/ Trenna’s Instagram: https://www.instagram.com/trennaprobert_/  Trenna’s LinkedIn: https://www.linkedin.com/in/trennaprobert/  Super Fierce Instagram: https://www.instagram.com/besuperfierce/ Podcast episode featuring Trenna: Female Founders: Trenna Probert: From concierge to fintech start-up founder Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

You have successfully launched your side hustle. Congratulations! However, you might be wondering how to sustain and expand it further. Join your host, Emma Edwards, in the last episode of her side hustle school mini-series as she shares key things you can do with the side hustle you have created to ensure its longevity, or know when it's time to call time. Episode Highlights: [00:01] Episode intro and what’s in for you today [02:49] What to do with the side hustle you have created [02:51] Doing a SWOTLH analysis [06:23] Come back to your personal why [09:07] Set growth goals [11:56] Be aware of burnout [13:00] Be aware of side hustle spending  [15:37] Taking your side hustle full-time [17:22] Align your mindset [20:02] A quick recap of ways to create longevity in your side hustle [23:02] Call to action and ending the show Standout Quotes:  “Your side hustle needs growth goals. But most importantly, think about how growth looks like, and how it resonates with why you started the hustle in the first place.” - Emma [09:10] “When we start new projects such as our side hustles, we are always motivated and willing to work in jeopardy of our self-care. We should be aware of that because it can be a highway to burnout.” - Emma [12:43] “A renewed mindset is necessary if your side hustle will have longevity. It is almost harder to take a side hustle full-time than to do your business full-time.” - Emma [17:22] Stay Connected Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

Managing time and money effectively in your side hustle is essential for its success and personal fulfilment. Time management involves setting clear priorities, creating a structured schedule, and minimising distractions. By planning and allocating specific time blocks for your side hustle, you can ensure consistent progress without sacrificing your primary responsibilities. On the financial front, budgeting and tracking expenses are crucial. Keep a close eye on your earnings and expenses, reinvesting profits wisely to fuel growth. Striking a balance between time and money management enables you to navigate the challenges of your side hustle while achieving both personal and financial goals. Join your host, Emma Edwards, in episode four of the Side Hustle school mini-series as she shares more about managing time and money in your side hustle. Time is money, and we need to be very strategic to maximise our time and money in our side hustle to ensure we are getting a return on the work we put in.  Episode Highlights: [00:01] Episode intro and what’s in for you today [01:31] How to be strategic with your time upfront in your side hustle  [02:44] Treating yourself like a resource and booking yourself out for your side hustle [11:13] Ensuring the extra money you earned from side hustles is not leaking out [13:47] How keeping your side hustle income separate can be a game changer  [15:29] How the money from your side hustle is taxed and treated  [20:31] Setting aside your tax first in a separate savings environment [21:04] How to manage your side hustle expenses and maximise your returns  [25:11] A quick recap on what you need to manage time and money in your side hustle [27:02] Wrap up and end the show   Standout Quotes:  “Time management and prioritisation is important in determining not only the success of your side hustle but also your happiness, fulfilment and achievement of your Why.” - Emma [02:13] “The outcome might be the same, but the intention you are going in with can determine how you feel about it and therefore the longevity of the outcome ” - Emma [10:19] “Unless we change our money beliefs and our thought patterns around Money, More Money won't always help.” - Emma [13:33] “Keep your income and your expenses for your side hustle separate; this not only gives you clarity and makes things so much easier when it comes to paying taxes and understanding how much money you have made, but it also helps you see the extra money you got and be intentional with it.” - Emma [14:09] “Having your expenses organised in a side hustle is an important part of your success, but it is a big mindset to undergo, especially if you have been an employee or you are currently an employee.” - Emma [22:17] Stay Connected Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

Marketing yourself and attracting clients and customers is essential for the success of your side hustle. To effectively promote your side hustle, you need to leverage the lowest-hanging fruits by distilling your marketing to the essential need-to-dos to get the most opportunities. Marketing your side hustle ensures that your client can find you, give you money when they want to give it to you, and tell their friends about your product. With so much competition, so many ads, and so much information available, you want to ensure your side hustle is visible and with repeat visibility in order to penetrate your target customer's decision-making. Consistent, diligent efforts in marketing yourself and consistently delivering value to your clients and customers will be your pathway to long-term success in your side hustle. Join your host, Emma Edwards, in episode three of the Side Hustle school mini-series as she shares strategies for marketing yourself and finding all those important paying clients and customers. We all want people to pay us for our products or services. Tune in and learn how to market yourself, make people aware of what you do, convince them to choose you, and hand over their money for your offer. Episode Highlights: [00:01] Episode intro and what’s in for you today [02:10] What marketing our side hustle is all about    [02:55] How to build your side hustle marketing funnel  [05:07] Marketing strategies for the early stages of your side hustle [08:13] How to find and connect with your ideal clients through marketing [10:41] Optimizing your customers' pre and post-purchase experience  [14:31] Distilling your marketing to the essential to-dos to get the most opportunities  [17:46] Making your side hustle visible with repeated action to build traction [21:07] Wrap up and ending the show Standout Quotes:  “Marketing is all about putting your product or service in front of your ideal customer or client, and building your relationship so that they know who you are and understand what you do.” - Emma [02:10] “When it comes to marketing your side hustle, visualizing it using marketing to move customers through the different phases can help you understand how to put yourself out there and what kind of messaging you can use to attract customers.” - Emma [03:35] “The early stages of marketing your side hustle can feel a bit scrappy because they are about gaining visibility and building traction: it’s getting yourself in front of your potential market, expressing your skills, services, and product, and capitalizing on opportunities to relate to them.” - Emma [05:10] “Distilling down your marketing into the essential to-dos and the lowest hanging fruit for your side hustles to get the most opportunities is about making sure clients and customers can give you their money when they want to give it to you, tell their friends about you and you are good at what you do.” - Emma [15:03] “You cannot be in the right place at the right time if you don't go anywhere; a lot of work and customers that you will attract will not be traceable as we often think; you need to show up over and over and show people what you do repeatedly before you push them through your funnel.” - Emma [16:46] Stay Connected Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

Getting set up and off the ground with a Minimum Viable Product (MVP) is a pivotal phase in building a successful side hustle. The MVP is the initial version of a product that serves as a foundation upon which further enhancements are made. During this crucial stage, you have to identify the core features and functionalities essential to solving the target problem or meeting the target audience's specific needs.  Join your host, Emma Edwards, in episode two of the Side Hustle School mini-series as she delves deeper into the art of creating your Minimum Viable Product (MVP) and getting set up and off the ground. She expounds on the five things you need to define your MVP, streamline your development process, and ensure that your side hustle takes off successfully. Emma's expertise and practical tips will give you invaluable insights into turning your innovative ideas into a tangible, market-ready product. Don't miss this opportunity to kickstart your side hustle and turn your passion into a thriving venture! Episode Highlights: [00:01] Episode intro and what’s in for you today [01:39] The acronym MVP; Minimum Viable Product   [03:07] Niching down and why it’s important for your MVP [04:34] The five things you need to define your MVP  [05:04] A brand or business identity [08:18] A clear product or service to sell  [11:04] A price your target audience can pay for   [14:57] A place where you can inform your audience about your product [18:10] A place where your audience can pay for your product  [19:51] Bonus add: Admin and Logistics [21:50] Wrap up and ending the show   Standout Quotes:  “A big part of being in business of any size is being able to spot and capitalise on opportunities, so going in with a minimum viable product that you intend to learn from and to tweak based on the market response is powerful.” - Emma [02:47] “When you are naming your business, do a quick trademark search to make sure you're not infringing someone else's trademark because it can cause you significant problems down the road.” - Emma [05:25] “Your price point, especially at MVP level, needs to feel comfortable above everything else.” - Emma [13:47] “MVP concept stretches beyond just the product or service that you are offering to your business as a whole.” - Emma [15:20] Stay Connected Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

Welcome to the side hustle school miniseries! In episode one, we're diving into the foundations of what you're going to offer in your side hustle, and answer key questions to help you gain that all-important clarity on next steps. When selecting, conceptualising, and refining your side hustle, strategic decisions around the "Who," "Why," and "What" are pivotal to ensure a commercial application upon launch. Identifying your target audience ("Who") and understanding their needs, preferences, and pain points to tailor your side hustle accordingly. The "Why," which is the reason behind your side hustle, necessitates a compelling rationale behind your venture. One that will resonate with your audience. Whether it's solving a problem, enhancing convenience, or offering a unique experience, a clear purpose will drive interest and engagement. The "What" pertains to the product or service you are offering, and it should be strategically designed, aligning with the experience you are delivering. By harmonising these elements, your side hustle can be tailored to meet your target audience's needs, answer their problems, and seize an opportunity, thus positioning it for a solid commercial application upon launch.   Join your host, Emma Edwards, in episode one of the side hustle school mini-series as she shares more about deciding the why, the how, and the what of your side hustle. Learn how to get your side hustle dream off the ground, strategically position yourself for a strong commercial impact, and make sweet money out of it. Episode Highlights: [00:01] Episode intro and what’s in for you today [01:56] What to expect from these five days  [03:36] Treating your side hustle with the respect it deserves [04:50] Getting clear on what your side hustle is all about  [05:40] Deciding the #The What of your side hustle  [06:53] Today's side hustle exercise for finding your side hustle idea [11:04] Exploring the Who and Why of your side hustle idea  [12:53] An example of how to identify your Who and Why [16:54] Figuring the How and Where of your side hustle  [19:34] Leveraging the experience you are offering to find the answers you need [20:35] A quick recap and what to expect in episode two [21:06] End Standout Quotes:  “Your side hustle matters; your side gig is a real thing, and you are an absolute superhero for having one or thinking about starting one up.” - Emma [03:53] “Exploring your who and why will help you refine your offering so that it can have a strong commercial application when you launch it.” - Emma [11:21] “When you have an idea of why you are doing your side hustle, it can help you make decisions in the work that you are doing.” - Emma [12:02] “Thinking of your who, becoming them, and walking yourself through a potential process of them purchasing your product or hiring you can help you to design a platform from which to launch your side hustle in a way that is tailored to them.” - Emma [18:39] Stay Connected Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

In this episode, I'm going solo to share some key areas of my finances that I’m working on at the moment, as I navigate full-time self-employment. This new phase has prompted me to reconsider my money mindset, as it’s no longer just my personal finances I have to consider, it’s also my businesses. I’m unpacking how easy it is to fall into the comparison trap, and discuss what I’m doing to manage my financial behaviour - my wardrobe freeze is still going strong, and it’s led to some unexpected revelations! I also talk about a recent unexpected expense that's testing my approach to scarcity and scarcity mindsets, and learning to separate practical solutions from emotional responses. I have so many thoughts and ideas swirling around at the moment, and I’ve found it’s essential to evolve my financial mindset to align with changing circumstances. Have a listen and let me know over on Instagram if you’ve had any recent mindset changes! Episode highlights: Adapting to self-employment and shifting money beliefs, working hard doesn't always equate to making more money as when you’re self-employed, How I’m navigating financial ups and downs, highlighting the psychological toll of financial comparison and the need to find a balance between personal progress and external benchmarks, My current financial goals and challenges, such as saving for a honeymoon, upgrading our car, and managing my financial behaviour during busy periods.   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Hey everyone, welcome to this rustic AF episode of The Broke Generation Podcast where I basically record as though I'm leaving an unfiltered voice note in your Whatsapp. Okay, I edited out some coughs and sneezes, but otherwise it's a total brain dump, so, go easy on me! In this chat I dive into the phenomenon that is GIRL MATH, and breakdown what I like about it, what I don't, and how it's affecting the conversation around women's finances.  Highlights: Is Girl Math purchase assessment, or just justification? Men and women both treat themselves – but is that where the similarities end? Women's purchase decisions are inherently different than men's, but not because we're frivolous. Why we need to learn to SPEND money as well as save it, invest it and earn it – and why this bit is so commonly missed out of financial education. A new set of criteria to replace Girl Math that can actually help you make better decisions. Mentioned in this episode: My Financial Values workbook. Grab your free copy by signing up to my weekly newsletter, The Glue. Head to www.thebrokegeneration.com/subscribe to sign up for free.See omnystudio.com/listener for privacy information.

In this episode, I had the pleasure of chatting with corporate development and communication consultant Annie McCubbin. Annie’s work centres on exploring the intersections of critical thinking, and decision-making, and their role in protecting our lives from unnecessary conflict and self-sabotage. Annie sheds light on the fascinating ways our minds work and how narratives can often outweigh facts. We delve into topics like confirmation bias, illusion of transparency, and spotlight effect—common pitfalls in decision-making. The episode also addresses why even seemingly 'smart women' fall for wellness trends and MLMs (multi-level marketing schemes). This conversation was an eye-opening journey into understanding the complexities of human thought processes and the importance of critical thinking in our (mis)information-rich and marketing-driven world.  Annie has also written two fantastic books; "Why Smart Women Make Bad Decisions" and "Why Smart Women Buy the Lies." You can find links on where to buy them below. Episode highlights: The importance of critical thinking and the need to question our own thought processes, so we can be aware of biases. Brush up on some psychological lingo, like the spotlight effect and illusion of transparency. These concepts highlight how people tend to overestimate how much others notice or care about their behaviour or emotions. How external factors shape opportunities, and the importance of not only acknowledging privilege, but also plain ol’ luck! We make most of our decisions in the limbic system part of our brains, and then we post rationalise them. So intelligence and high intelligence is absolutely no protection against being vulnerable to being lied to, scammed, tricked, duped any of it.Annie [08:11] The reason I put women in the title [of my books] is that I think that women are very much given the message that their intuition is king or queen and that whatever they're intuitively feeling must be right, because somehow it's some repository of deep spiritual truth. And I categorically disagree with that.Annie [08:35] Narratives have much more impact on the brain than facts. We grow up with stories. It's how we calibrate the world. How we understand things is through stories.Annie [15:37]   Where to find Annie McCubbin Website: https://anniemccubbin.com/  Buy Annie’s book through her website for a signed copy: https://coup.college/product/why-smart-women-make-bad-decisions/ & https://coup.college/product/why-smart-women-buy-the-lies/   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Beyond the Self, by Africa Brooke is a podcast mentioned during the show: https://africabrooke.com/podcastSee omnystudio.com/listener for privacy information.

In this solo episode, I reflect on the "sliding doors” moments that shaped the course of my life. From last-minute university decisions, to an offhand comment from a dissertation tutor, I unpack how these choices led me down a career path I hadn’t considered. Fast forward to a lucrative job offer, which promised financial success and growth within a startup. Despite the allure, I listened to my gut and declined, opting to focus on my freelancing and passion project, The Broke Generation.  It’s easy to get caught up in thinking about how different my life could be if I had made different decisions along the way, but it’s also crucial to look back and celebrate the moments that led to the career I have now. So… what’s your “sliding door” moment? Let me know over on my Instagram, and we can continue our conversation over there! Episode highlights: How my last-minute decision to attend a local university led to living with unexpected housemates, including my future husband's best friend. A comment from my tutor about my writing talent gave me the confidence to explore copywriting as a career path. Rejecting a high-paying job offer to focus on my freelancing and my passion project, The Broke Generation, kickstarted my journey as a successful entrepreneur. Embarking on the podcast venture created new friendships, connections, and a platform that significantly shaped my life and career.   I didn't know I was good at writing. I always knew I liked writing and I knew that I always wanted extra paper in exams because I had so much to say. But if [my tutor] hadn't said that [I was a good writer], I never would have entertained the idea of writing being a career for me.Emma [16:43] I saw myself wanting to work for myself, and I saw something in The Broke Generation.Emma [22:32] Where to find The Broke GenerationWebsite: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Interested in other choices I made that led to The Broke Generation? Check out my other podcast, Broke Business: https://thebrokegeneration.com/broke-business-podcast/ Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

How to sell yourself an employer, with Tanaz Byramji Get ready for an info-packed chat with career expert Tanaz Byramji! In this episode, Tanaz dishes out advice all about one of the scarier parts of being an adult - job hunting! We’re discussing how to take a purpose-driven approach to job hunting and application strategies that can help you land your next job! Tanaz will show you how to boost your application game, and improve your chances of nailing that next interview. From crafting effective resumes and eye-catching cover letters, Tanaz explains how you can tailor each application, utilise storytelling techniques, and showcase the unique value you can bring to a role. Learn how to develop the confidence to apply for roles, even when you don’t meet 100% of the criteria, and also how to spot when that dream job might not actually be what you want. Episode Highlights: Understanding your value proposition, identify your skills, experience, and knowledge and demonstrate how they align with the job requirements. Continuously working on your career and developing your skills, by staying open to learning, and seeking opportunities for growth, you can proactively shape your career path. Tailoring resumes and cover letters for each opportunity. By addressing specific requirements and demonstrating alignment with the employer's needs, you can stand out from the competition! “What’s come out of [the pandemic] is an increased awareness and appreciation, first and foremost of work life balance and flexibility.”Tanaz [16:21]   “The idea of considering yourself an asset that you need to sell is really confronting. But what is essential to understand is that in the world of work and employment, employees are a product or service, whereas employers are the consumer of that product or service.”Tanaz [24:36] “I've been in businesses where the culture hasn't been a good fit, and I think sometimes that can happen if you just kind of zoom through the hiring process… sometimes it can end up being a bad fit”Emma [33:20]   Where to find Tanaz ByramjiLinkedIn: www.linkedin.com/in/tanazbSuccessful Resumes Australia: https://www.successfulresume.com.au/tanaz-byramji/ Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This episode I’m joined by Business and Manifestation Coach Kira Matthews, together we demystify the woo-woo and embrace the practical power of manifestation, uncovering its impact on your financial journey. Kira shares her personal transformation journey, and how overcoming self-limiting beliefs, and embracing abundance helped to create her dream life. We also discuss her ‘90-day model’, and the significance of setting time-bound and actionable goals, along with the (sometimes essential) role of failure in the process! The key to manifestation, when it comes to finance, is shifting our relationship with money and understanding that it's neutral; we give it meaning. By working on our mindset, embracing abundance, and taking inspired action, we can manifest a positive financial reality. By integrating mindset, belief, and action into our everyday lives, we can be empowered to create the life we desire and achieve financial success.   Highlights The importance of approaching manifestation with a practical and logical mindset rather than getting caught up in the mystical or "woo-woo" aspects often associated with it. A 90 day approach to goal setting, to avoid feeling overwhelmed and ensure a higher likelihood of achieving the desired outcomes within a practical timeline. How to channel the principles of manifestation even as a non-believer, and not limited to a particular belief system.   Where to find Kira Instagram: @kirathebold Website: https://www.kiramatthews.com/ No Room For Doubt Podcast: https://www.kiramatthews.com/podcast   Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

This week, I have the pleasure of chatting with Emma Wilson, the 1st and only Turning 30 Coach, about how to embrace this transformative decade without succumbing to societal pressures or being let down by the narratives we tell ourselves. During our conversation, we delve into common fears and anxieties about approaching 30, especially the struggles women face as they age. Whether it's the pressure to achieve relationship milestones or the looming threat of the 'biological clock,' Emma provides practical strategies to tackle these issues.  Emma debunks the idea that success should be measured by a predetermined checklist or compared to others' achievements. Instead, she encourages crafting our own vision of success by aligning our passions and values. Whether it's in our careers, relationships, or personal pursuits, embracing our individuality is the key to genuine happiness. Regardless of whether you're approaching your 30s or already navigating through them, this is an episode not to miss! Episode highlights: Embracing non-traditional career paths and exploring new opportunities How to make informed financial decisions and work towards long-term goals, by critically assessing your wants versus needs. Finding growth and transformation in facing uncomfortable situations. If you’re thinking “Oh, I don’t know what to do” or “I’m too scared of failing to leave my job”… Just ask yourself; If you knew it would all work out in the end, what would you do next? Your 30's get to be whatever you want them to be, but it doesn't just happen to you, you can't just sit back and wait. You have to take control. Where to find Emma Wilson Website: https://www.turning30coach.com/ Instagram: https://www.instagram.com/turning30coach/ Turning 30 Podcast: https://www.turning30coach.com/podcast Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

I’m 6 months into my wardrobe freeze, and this episode I’m diving deep into the emotions, revelations, and insights that came from redefining my relationship with fashion and consumption. The initial excitement of novelty has worn off, and I’ve realised that the real challenge lies in finding creativity with the items I already have - and there have been moments when I just wanted to buy something new, especially when it comes to special occasions like weddings or birthdays!  A major factor that has kept me going over the last 6 months has been the sense of lightness and mental clarity that comes from not constantly shopping. It's freeing not having to decide whether I should buy something, analyse my budget, or deal with the regret of returning items - don’t underestimate the amount of thought that can go into a clothing purchase! As I look towards the second half of this 12-month challenge, I've started to focus on what my wardrobe truly needs. It's not just about specific items, but also understanding the fabrics, cuts, and colours that make me feel amazing. I hope this episode leaves you feeling inspired to make more conscious wardrobe choices, and maybe even your own freeze! Episode highlights: How I’ve worked to stop that ‘scary number’ on my clothes tag limiting my style choices Unpacking fashion FOMO, and finding new outfits from items I already own A peek behind the curtain of the group wardrobe freeze challenge, and the benefits of sharing experiences, struggles and wins in a safe space “We’re conditioned to feel an emotional connection to the things that we’re buying and we inflate their value so that we can justify that purchase.” “It’s just been really interesting looking at who I’m buying for… it’s really hard to break the habitual process of buying for someone that you’re not.” Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration    Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook. Join the waitlist for the next Wardrobe Pause Challenge: https://mailchi.mp/a5bafd003bec/wardrobe-pause-challenge-waitlist See omnystudio.com/listener for privacy information.

This week I caught up with Shelley Johnson, non-boring HR Consultant and all-around powerhouse. Shelley and I talk about what makes a workplace toxic, how you can recognise the warning signs, and practice self-compassion as you navigate your way out. Episode highlights: “Orange Flags” to look out for in a workplace Recognising when you’re in a toxic environment Rediscovering your sparkle after leaving one Empowering yourself in the next stage of your journey “If you’re in a job and you’re thinking ‘I’m just surviving.’ That’s not a good indicator.”  Where to find Shelley Johnson Website: https://www.boldside.com.au/ Instagram: https://www.instagram.com/boldside_/ LinkedIn: https://www.linkedin.com/in/shelley-johnson/ My Millennial Career Podcast: https://www.boldside.com.au/podcast Where to find The Broke Generation Website: https://thebrokegeneration.com/?v=518f4a738816 Instagram: https://instagram.com/the.brokegeneration TikTok: @the.brokegeneration  Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.See omnystudio.com/listener for privacy information.

Have you ever thought about wanting to be famous? There's more to fame than meets the eye, and exploring its true meaning can help us understand our own aspirations. Join this conversation with Toni Lodge and get the golden nuggets of wisdom from everyone's favourite “Internet Sister,” author of I Don’t Need a Therapy, and co-host of the Toni and Ryan Podcast. In this episode, Toni shares what it is like to have the desire to be famous from a young age, what happens when you actually get it, and why there is a bit more to her desire for fame than you might expect.   Toni Lodge Website: https://www.toniandryan.com.au/ Facebook: https://web.facebook.com/groups/toniandryanpodcast/ Instagram: https://www.instagram.com/tonilodge/ Linktree: https://linktr.ee/ToniAndRyan   Emma Edwards Website: https://thebrokegeneration.com/?v=518f4a738816 LinkedIn: https://instagram.com/the.brokegeneration Instagram: https://instagram.com/the.brokegenerationSee omnystudio.com/listener for privacy information.

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In this LONG juicy solo episode I take you through 32 things I've learned by 32! (It wasn't until a decent 30 mins into recording that I realised, sh*t, 32 things is A LOT. Ha! But we ploughed on). I know you all love fun list-style podcasts from time to time, so buckle in and join me for some birthday reflections as I hit the big 3-2.  Wanna fang me some love for my birthday?  Leave a review on Apple Podcasts to help more people find the show Share the show to your stories on social media Sign up to receive my weekly newsletter, The Glue (+ receive a free workbook on unpacking your financial values!) Buy me a Coffee Listen to my podcast for business owners/freelancers, Broke Business! Thank you so much for being with me for another year. I truly appreciate you!See omnystudio.com/listener for privacy information.

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In this week's episode I'm joined by family lawyer, Bec Dahl, to talk about protecting yourself financially in a relationship. Please note this information relates to Australian family law only. Family law differs by country, and the mechanisms discussed in this episode are quite specific to Australia.  Highlights: How assets work in a relationship, both before, during and after separation The difference between de facto relationships and marriage Binding financial agreements and how they work How to protect yourself in a new or existing relationship Where to find Bec: https://nicholeslaw.com.au/staff/rebecca-dahl/ Instagram: @becfamilylawyerSee omnystudio.com/listener for privacy information.

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In today’s episode I take you through 10 easy ways to feel more wealthy in your everyday life, without earning a single cent more. Often our financial attitudes and behaviours have as much, if not more, impact on our financial reality than the actual numbers. Implement some of these handy tips into your money routine and feel more abundant in an instant. - Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: www.thebrokegeneration.com   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I talk to money coach, Laura Ann Moore, about saving money, improving your relationship with money, boosting your habits, and understanding how our beliefs inform our behaviour. I LOVED this conversation and I hope you do too! Highlights: How Laura's childhood experience made her a saver How our individual experiences form unique beliefs Learning how to safely spend money and let go of frugality and scarcity The intersection of emotion and logic Money mindfulness techniques to increase your awareness around your behaviour Where to find Laura:  Instagram: @laura_ann_moore TikTok: @laurannmoore  Podcast: Mind Money Soul  See omnystudio.com/listener for privacy information.

In this episode I speak to personal branding expert Yaren Iffet about what it actually means to have a personal brand, and how it can help you develop in your career and in your life. Highlights: personal branding isn't LinkedIn posts and starting a blog how to dig into what your personal brand could be the benefits of connecting through your personal brand Where to find Yaren: Instagram: @yareniffet.au Get her free personal branding guide: https://yareniffet.mykajabi.com/personal-branding-ebookSee omnystudio.com/listener for privacy information.

In this episode I chat to Slow Fashion Stylist, Jenna Flood from @ironicminimalist, about clothing consumption and our mutual commitment to not buy any clothing in 2023. Together we talk about our own experiences with clothing consumption, including why we knew we wanted to do a wardrobe freeze. Highlights: Understanding the habits behind our consumption patterns Noticing our impulses Lessons from 3 months of no buy How it feels to walk away from stuff we'd have otherwise bought How we're finding joy outside of consumption Jenna's Australian sustainable brand recommendations:  Kowtow Arnsdorf Nobody Denim Hera Patagonia Denimsmith ABCH E Nolan Anna Cordell Caves Collect Post Sole Studio Etiko Resources to find more brands:Good On YouEthical Clothing AustraliaList of plus size brands -- https://www.instagram.com/p/CftJKcMP1_k/  Also mentioned: Annika. She is a colourful plus-size model.See omnystudio.com/listener for privacy information.

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In this episode, I share 8 tips on managing the cost of living crisis and wage stagnation in a way that goes beyond just spending less (though I do address some ways of doing that!). Highlights: the importance of focusing on OUR situation, not the widespread panic widening the gap between your income and expenses changing payment dates where to get financial help if you're experiencing hardship Mentioned in this episode:  ASIC Financial Hardship: https://moneysmart.gov.au/managing-debt/financial-hardship Financial Rights Resource Centre: https://financialrights.org.au/ Podcast Episode 10 Ways to Make Extra Money Fast: https://podcasts.apple.com/au/podcast/bonus-10-ways-to-make-extra-money-fast/id1573560175?i=1000575620777 Sign up to my weekly newsletter and get a free copy of my Financial Values workbook! www.thebrokegeneration.com/subscribe See omnystudio.com/listener for privacy information.

In this solo episode I take you through the concept of the financial comfort zone, what it is and how it informs our financial behaviour.  Much like comfort zones in our broader everyday lives, financial comfort zones can keep you stuck in certain sets of circumstances, and make it difficult to make changes even when it feels counterintuitive to stay where we are. Insights in this episode have been extracted from my graduate studies in Financial Psychology, so buckle up and get ready to get to know more about why you are the way you are with money. Where to find me: Instagram: @the.brokegeneration TikTok: @the.brokegeneration Blog: www.thebrokegeneration.com Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

In this episode I'm joined by fashion psychologist (!) Shakaila Forbes Bell to discuss the complex relationship we have with our clothes, and how we can consume clothes in a more positive, mindful and conscious way.  Highlights: how clothes relate to our identity how our self esteem relates to the way we shop Shakaila's 4, 3, 2, 1 rule for mindful clothing consumption how we can embrace fashion psychology to foster greater enjoyment of our clothing a psychologists take on where we go from here in terms of our obsession with consumption Where to find Shakaila and her work: Book: Big Dress Energy, available at all good book stores Instagram: @shakailaelise and @fashionispsychology Website: www.fashionispsychology.com See omnystudio.com/listener for privacy information.

In this solo episode I share ten questions that will get you thinking deeeeeply about your beliefs about money, and why you are the way you are with your finances. You know I believe that getting to know yourself is an act of financial empowerment, and this episode will give you a taste of why. Where to find me: Instagram: @the.brokegeneration Blog: www.thebrokegeneration.com Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

In this episode I'm joined by Casey Benjamin to talk about knowing yourself, leading yourself, and understanding yourself on a deeper level. Highlights: What it means to lead yourself How consumption is screwing with our understanding of ourselves How our money habits and beliefs can tell us a lot about who we really are What it means to know yourself and how it can change your life Why knowing yourself is about more than aesthetic TikToks and becoming 'that girl' Where to find Casey: https://www.thecourageproject.com.au/ Instagram: @the.courage.projectSee omnystudio.com/listener for privacy information.

In this solo episode I unpack how our love language can interact with the way we think and feel about money, where we see value in our money, and how we can use our money to better serve our needs. Highlights: How your love language can impact the way you spend money How to honour the needs of your love language with how you spend and manage your money How understanding your needs can improve the way you manage your money. Where to find me: Instagram: @the.brokegeneration TikTok: @the.brokegeneration Blog: www.thebrokegeneration.com Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

In this solo episode I share some common money mistakes I used to make and how I overcame them. Reflecting on financial progress beyond just huge savings numbers is so important to staying committed to your money journey. Tiny little changes to your habits, beliefs or attitudes to money are just as powerful, so make time to look back on how you’ve evolved, too. Highlights: Sharpening up the way I spend on groceries The impacts of money leaks Identifying areas of financial mindlessless  The power of compartmentalising your money The risks of being unrealistic with your financial potential - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: www.thebrokegeneration.com Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I'm joined by lifestyle management expert Caroline Brunne to talk about balancing and managing our mental load... I know, how IDEAL!  Caroline talks us through what our mental load is, how it varies from person to person, and some practical tips we can take to take a literal weight off our minds. Here are all the links to things mentioned in this podcast episode, and everywhere you can find Caroline and Organise, Curate, Design.  Website: https://www.organisecuratedesign.com/ 6 week online course: https://courses.organisecuratedesign.com/level-up Mini online course: https://courses.organisecuratedesign.com/game-on Instagram: https://www.instagram.com/organise.curate.design/ Facebook: https://www.facebook.com/organise.curate.design TikTok: https://www.tiktok.com/@organise.curate.design?lang=en Link to book a call with me: https://calendly.com/carolinebrunne/organise-curate-design-consultation-callSee omnystudio.com/listener for privacy information.

In this solo episode I dive deep into the links between self esteem and money, and question whether a lack of self love could be sabotaging your financial progress. Highlights: Why we spend money to feel better How to recognise feelings of unworthiness How our own sense of self links to our financial perspective The impacts of not knowing our worth in the workplace or in business The trap of trying to buy our emotions or soothe with ‘stuff’ - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

In this episode I’m joined by positive psychology practitioner and author of Choose Joy, Sophie Cliff, to discuss how we can inject a little more joy into our lives in 2023.    Highlights: What actually is joy and how can we define what it means to us? Why joy is so often linked to spending and consumption How to find joy without spending any money Reprogramming your brain to notice the little moments that make you happy Why we’re so used to dwelling on the negatives Balancing good and bad days, moments, and feelings Research-backed ways to find more joy   Where to find Sophie: Book: Choose Joy, available at all major bookstores. Instagram: @sophiecliff  Website and programs: https://sophiecliff.com/ - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this chatty bonus episode I go through 23 goals I have for 2023. Some are financial, some are lifestyle and some relate to business, and might give you some ideas on where to start with your own goal setting, or just be a juicy listen if you fancy a nosey into where my focus is going this year in a more candid way. I'll do a review episode at the end of the year to see which ones I achieved and which I didn't. These goals are just a bit of fun, some of them are more serious than others, but they give me a bit of a bucket to pick and choose from at a top level. These aren't my only goals, nor are they the most structured iterations of my focuses for the year.  I hope you enjoy! Let me know on Instagram if you're working towards any of these goals too.    Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

**GET SPECIAL ACCESS TO $100 OFF SARAH’S COURSE WITH CODE TBG100.** https://stopsurvivingstartthriving.thinkific.com/courses/stop-surviving-start-thriving?fbclid=PAAaZwz7JtvzlxdEV161g0pM7t4DIzIx2gHOLEb0NMQYvvoND5xNCttWp6eSc   In this episode I’m joined by Sarah Scully-Leaf to discuss how to make 2023 your year of peace. Not peace as in lighting a candle and soaking in the bath (but go wild if that’s your thing). But peace in terms of peace with yourself, peace with your life, peace with your perspective, your choices and your attitude.    Highlights: What your feelings about the New Year could be telling you How to understand what’s working in your life and what’s not Understanding how to meet your own needs Recognising when something doesn’t feel right and trusting yourself to take action How to break up with how your life should look by now   Where to find Sarah: Instagram: @collectedinsight  Website: https://www.collected-insight.com/ -   Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Welcome to 2023! In this episode I chat through my plans and goals for 2023 in life, money and business. Highlights: Goals and challenges with taking The Broke Generation to the next level Moving on from my first year full time self employed Finding more joy in my life Embracing freedom and possibility Getting back to saving after a rocky couple of years - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

It’s that time of year again! For the last episode of 2022, I’m bringing you another year in review. In this episode I talk through each month of 2022 and reflect on what happened, what I learned, and how it shaped my year. Highlights: Leaving my job to go full time self employed Money wobbles in self employment Going back to the UK for the first time since Covid Reaching 2.5 years in therapy and reflecting on my progress Going back to studying Reflecting on what I want from my life and business Navigating health challenges and personal challenges Deciding to get married to my partner of 9 years Our micro wedding Thank you SO much for listening to the podcast in 2022. I am so truly grateful for every listen. If you enjoy the show I would LOVE if you could leave a review on Apple Podcasts to help more people find the show in 2023. Have a wonderful and safe holiday season, and the podcast will be back on 5th January 2023. - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this super low-fi podcast episode, I'm joined by my HUSBAND to share all the details about organising our micro wedding after 9 years together. We answer all your questions, from budget to family dynamics, and why we chose to marry the way we did. Highlights: How much we spent, full cost breakdown The process of a micro wedding Managing family expectations Why a small wedding was right for us Things to consider when planning a micro wedding Mentioned in this episode: JustMarried Weddings: www.justmarriedweddings.com Our celebrant (allocated through JustMarried Weddings) was Jess Stanley @stanbymeceremonies Etrnl Wedding Rings: https://etrnl.com.au/    Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I take you through how to reflect on your year in money, and prepare for an informed fresh start in 2023.  Highlights: Reflecting on your year and making connections to your finances How to set informed plans and goals for 2023 Letting go of failures Spotting patterns in your beliefs and behaviours Regaining a fresh perspective for your next year in money Purchase your Reflect & Reset tickets – you'll get the replay of session one and live access to session two on 18th Jan. https://thebrokegeneration.com/product/reflect-and-reset-workshop/ Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In this episode I’m joined by female empowerment coach Jess Pinili to discuss all things self sabotage and improving your relationship with yourself.  What does empowerment actually look like? Why we get inspired by TikTok videos but never actually take action The things that hold us back from feeling our truest selves How a negative relationship with ourselves can sabotage our money habits   Where to find Jess: Instagram: @jesspinili  TikTok: @jess.empowermentcoach  - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I share some top tips and mindset shifts to help you spend sensibly – but still joyfully – this holiday season. However you celebrate, we want it to feel good financially, and that’s exactly what this episode is all about. Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I am joined by my friend Peta Serras to take a bit of a deep dive into the coaching industry. From life coaching to business coaching to relationship coaching – there’s all kinds of coaching available these days, sometimes costing tens or even hundreds of thousands of dollars (yes, really!). Peta and I discuss the ethics of the coaching industry, what is and isn’t worth your money, the extent to which qualifications come into play, the gendered conversation around coaching, and how to discern red flags in coaches that might tempt you to sign up to their programs.    Highlights: Using your wealth to sell your services is NOT okay While some coaching is unethical, broadly hating on coaching as a whole has serious feminist implications Green flags in coaches – what they CAN teach you, and why the dodgy ones are squashing the value of coaches that actually have something to offer The predatory nature of the coaching industry The darker side of coaching that resembles a pyramid scheme   Where to find Peta: @professionalbabe on Instagram. - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I share some insights from a virtual talk I did for a group of University students last year, which takes you through some foundational tips about healthy money management and the power of engaging in positive financial behaviours from a young age. Highlights: The power of learning to save from a young age Understanding your financial habits The basics of budgeting, credit and BNPL Learning delayed gratification  Changing your mindset around saving Understanding the context of salaries in real life The impact of advertising and marketing on our financial behaviour   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I'm joined by Rachel Service, author of There Has To Be More and CEO of Happiness Concierge. Recently I engaged Rachel to help me structure and develop a speech for a public speaking engagement, and help me overcome an intense fear I'd developed around presenting. Highlights: Finding your own style of public speaking and presenting Developing an audience-first mindset Getting comfortable with nerves and reframing your feelings Understanding your own style and letting go of perfection Delivering talks and presentations with warmth and personality Different types of public speaking, from presentations to meetings   Where to find Rachel: Instagram: @therachelservice Book: There Has To Be More Website: https://www.rachelservice.com/   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I dive into how to overcome emotional spending, break spending cycles and start feeling more in control of your financial decisions. Highlights: Signs you might be emotionally spending, and what this means for you Regret analysis exercise Links to childhood or adolescent experiences How to reprogram your default financial behaviours into more positive ones The difference between emotional spending and healthy spending Learning how to spend in a healthy way and why this changes the game for our finances. Mentioned in this episode: The Feel Good Finance Workbook. Grab your copy for $27 with code PODCAST: https://thebrokegeneration.com/product/feel-good-finance-guide/   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I'm joined by Hannah English, author of Your Best Skin, to break down the complex topic of skincare and whether or not you need to break the bank to get that glow. Spoiler alert: you don't. Highlights: Does paying more really mean a better product? Do we REALLY need to buy the fancy SPFs?  How we can spend smarter on skincare by schooling up on ingredients What the heck is the deal with pricey LED masks and do the cheap ones work?! How to look after your skin without spending a fortune Best budget skincare hard-hitters Best boujie hard-hitters    Where to find Hannah: Instagram: @ms_hannah_e TikTok: @ms_hannah_e Website: hannahenglish.com.au Mentioned in this episode: Hannah's book Your Best Skin: https://www.booktopia.com.au/your-best-skin-hannah-english/book/9781743797693.html?source=pla&gclid=Cj0KCQjwy5maBhDdARIsAMxrkw39DtvpqreukIMPbYNEO8xwjdMl_BHefJzhb9tvAtg7bAKoRsgneBUaAhedEALw_wcB The ultimate LED mask comparison: https://goalstogetglowing.com/2021/01/17/deep-dive-into-led-masks-and-low-level-light-therapy-lllt/   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I talk to Hallie Stapleton from H&R Block about all the need-to-knows and secret sauce tips for all of us business owners and/or side hustlers! Hallie talks us through: Getting set up from a tax perspective Things you can and can't deduct When you can deduct expenses, especially in a new business Record keeping  Choosing a business structure When to become a company What the heck is BAS!?! ... and more Find out more about H&R Block's suite of small business support at www.hrblock.com.au.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I dive DEEP into the theories of financial psychology, including what your money story is, why it matters, what research shows about money stories, and how your beliefs and behaviours can be modified to achieve a greater sense of financial confidence. Highlights: Money stories and money scripts in research How money beliefs are developed How beliefs inform behaviours Why our beliefs and behaviours are sometimes contradictory The importance of understanding our beliefs when striving for financial confidence and/or financial freedom Why education gaps aren't the only thing to fill in your financial journey Live exercises to help you unpack your money story Belief and behaviour modification techniques to help you develop a stronger relationship with money GET MY FEEL GOOD FINANCE GUIDE for 10% off using code PODCAST: https://thebrokegeneration.com/product/feel-good-finance-guide/ Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

In this episode I'm joined by financial advisor Deline Jacovides to talk all things superannuation (aka retirement savings in Australia!).  Deline talks us through how we can engage with our super when we're young and have time on our side, whether the super gap is really closing, and why consolidating your super accounts might NOT be the best thing for you.Highlights- comparing your super performance- insurances within super- should you consolidate your super accounts?- spousal splitting contributions- financial advice from your superfund directlyWhere to find Deline:Instagram: @maziwealth Website: maziwealth.com.auBook a free 15 minute discovery call.-Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

Inspired by my recent bout of financial bad luck, in this episode I take you through 7 mindset tips for keeping positive when your finances are spiralling out of control. Highlights:- knowing when and how to learn from the situation- the emotional benefit of taking action- how to make money the least of your worries during bad times- the importance of preventing financial spiralsSign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I am joined by Business and Manifestation Coach Kira Matthews to debunk whether or not you can manifest money. Kira talks us through her signature approach to goal setting, why manifestation is more than a woo woo hallmark, and how to apply a practical and logical lens to manifestation to achieve results.Highlights- Manifesting from a practical, logical standpoint- A 90 day approach to goal setting- How to channel the principles of manifestation even as a non-believer Where to find Kira:@kirathebold on InstagramWebsite: https://www.kiramatthews.com/ Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this BONUS episode I've brought back home loan expert Daisy Stephens from Finspo to talk us through exactly what we need to be doing if we're coming off a fixed home loan rate in the next 12 months. I've had so many of you tell me you're panicked at the prospect of your fixed rate ending next year and being spat out into the big wide world of high rates – panic not. This episode breaks down what you need to know.Highlights:- when to start thinking about speaking to your lender or broker- how to prepare your finances for a new home loan rate and/or a refinance- what to do if your circumstances change and you're struggling to make repaymentsHead to finspo.com.au to get started online.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I talk through the concept of lifestyle creep, question whether it's actually all that bad, and respond to a listener request for support on how to manage earning more money than you used to.Highlights:- the difference between lifestyle creep and lifestyle elevation- a handy framework with which to leverage every single dollar of extra income, whether once-off or ongoing- how your values can inform how you spend extra income- upgrading your mindset to align with extra income-Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

TRIGGER WARNING: This episode contains themes of eating disorders and mental health. In this episode I'm joined by Victoria Shakeshaft, better known as @bad.bitch.money on Instagram. We have a juicy chat about all things diet culture, beauty standards, and the ways pressures on the way women look costs us financial confidence, PLUS touch on the role of a financial counsellor, as that's Victoria's job! Highlights: - how money is deeply tied to our self worth- the lasting impacts of diet culture on our finances- the dissonance between being anti-beauty standards and still participating in the beauty industry- the spending loops we're unconsciously kept in at the hands of billion dollar industries- the dangers of being sold a series of 'problem solvers'Where to find Victoria:Instagram: @bad.bitch.money   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In this episode I am joined by human behaviour expert and advertising agency founder, Dan Monheit. Dan and I talk through why we do the things we do with money, including why we buy stuff we don't need, why we fall for marketing messages, and why it's so difficult to hang onto our money with all the temptations of the modern world. Highlights:- biases we experience every single day that influence our behaviour- the way brands use the idea of 'ownership' to get us to want things we never even knew existed- why we struggle so much with delayed gratification- why novelty and hype makes us spend so much more money- how to hack your brain to make better money decisionsWhere to find Dan:Website: https://danmonheit.com/Bad Decisions Podcast: https://danmonheit.com/home/#bad-decisionsHardhat Agency https://hardhat.com.au/   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

This episode is a recast of a Black Friday sale event pep talk from last year. In the lead up to Afterpay Day in Australia this week, I wanted to remind you of some handy ways to spend safely and prioritise your financial wellbeing. With these tips, you can still snag the things you've been eyeing off if they've come down to a great price, without falling victim to purchase regret and compromising your financial confidence.Highlights:- How to set boundaries around your Afterpay Day spending- Broadening the financial experience of purchases you do make- How to use the sales event to actually save money in the long run- What to do if you do buy something you didn't plan to---Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

NOTE: There are a couple of instances in this episode where I completely unconsciously mix up the terms spender and saver (WHOOPS!). If you're listening and thinking, "surely she means saver there" then you're probably right. I had zero idea I was doing it until I listened back! Sorry!This episode follows on from last week's how to SAVE as a natural SPENDER, and offers tips for all the natural SAVERS out there who need a little nudge to remember to enjoy their money. Highlights:- research-based profiling of different types of savers- evidence that shows oversavers are no happier than overspenders in terms of financial wellbeing- disconnecting  your emotional attachment to money- exposing yourself to spending without consequence- building a financial ecosystem that balances saving and spending- the Die with Zero conceptSign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

It's BONUS EPISODE TIME! Today I'm sharing ten side hustle ideas (no surveys in sight, promise!) that can help you earn extra money pretty quickly.  One of those tips is freelancing your skills and services, and to help you out with that I've made available the recording of my Freelance 101 workshop from last year. You can purchase the replay video for just AUD$15 for lifetime access – it's definitely worth checking out if you're wanting to monetise a skill with freelancing. Check it out here: https://thebrokegeneration.com/product/freelancing-101-how-to-get-paid-for-freelance-work/ Other side hustle resources:Episode #32: The Light and Dark of Side HustlesEpisode #34: How to Make a Side Hustle Work for You   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In today's episode I take you through a series of tips to help reprogram your brain as a natural spender so that you can confidently manage your money and embrace your propensity to spend that dollaaaaar.Highlights: Embracing the mindset of a natural saver without trying to be one Why natural spenders are profiled by the media as greedy and lazy How spending and saving tendencies stem from evolutionary behaviour How to embrace being a natural spender and the benefits of being one How to build a financial ecosystem that allows your natural spender personality to exist in a positive way    Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

This BONUS episode was requested by a couple of listeners so I hope this is going to be helpful for lots of you! If you spend money on takeaway or eating out regularly and want to cut back without giving up the things you love, these ten tips will help you form new value-focused habits to ensure you're still getting all the stuff you love, and none of the stuff you don't.Highlights: Understanding what's going on when you're ordering takeaway and how to meet that need without spending a fortune Assessing how to get the same enjoyment from takeaway with less money  Contextualising the money you spend on takeaway and connecting to what else it could be used for Building an arsenal of fake takeaways to have on hand at home Adding roadblocks between you and the takeaway apps to keep you focused Ways to get discounts and/or cashback on the takeaways you do buy PLUS mini hacks on slashing your eating out spend without giving up the experience of doing so If you enjoyed this ep I'd love it if you shared it with a friend, shared to your Instagram Stories, or left a review/star rating. It really means the world to me and helps me on my mission to grow the show.-Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.    See omnystudio.com/listener for privacy information.

In this episode I’m joined by the king of money podcasting, Mr Glen James of My Millennial Money. We talk about the importance of goal setting and creating a broader financial strategy around your money. During this episode we uncover that my partner and I are in a serious coasting mindset right now, and discuss ways to strategically move forward.   Mentioned in this episode: My Millennial Money episode 505b: Live Clarity Call with Kayla: https://podcasts.apple.com/au/podcast/my-millennial-money/id1384819415?mt=2  Stay up to date with My Millennial Business where I’ll be joining Glen soon to discuss my business finances: https://podcasts.apple.com/au/podcast/my-millennial-business/id1536869134  - Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I’m joined by couples’ counsellor Jill Dzadey to talk about, well, what nobody seems to be talking about: couples’ therapy! We explore:  Why couples’ therapy is still so stigmatised despite the fact society has become so accepting of seeking professional support as an individual The benefits of couples therapy particularly in modern relationships How the relationship paradigm is shifting and the impact that has on our partnerships How to view your relationship as an individual entity to work through conflict Why it’s totally okay for your relationship to be stuck, and how to get unstuck   Where to find Jill and Freedom Couple Counselling: Instagram: https://www.instagram.com/freedomcouplecounselling/ Website: https://www.freedomcouplecounselling.com/about    Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

This is a recast of my January miniseries.The final episode #5 of the Get Your Head in the Game Miniseries takes you through 12 ways to power boost your finances with practical, actionable takeaways you can implement right away.The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s documents feature here: https://www.pocketsmith.com/blog/organizing-household-documents-with-pocketsmiths-attachments-feature/Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

This is a recast of my January miniseries.Episode #4 of the Get Your Head in the Game Miniseries spills the tea on 8 hot hacks to make money easier in your everyday life.The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, take a tour of PocketSmith’s custom dashboards here: https://www.pocketsmith.com/tour/  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

This is a recast of my January miniseries.Episode #3 of the Get Your Head in the Game Miniseries takes you through financial habit change and how small actions compound to big results.The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s timeline feature here: https://learn.pocketsmith.com/article/768-using-the-timeline Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

This is a recast of my January miniseries.Episode #2 of the Get Your Head in the Game Miniseries dives into financial values and how to spend in alignment with them.The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s transactions feature here: https://learn.pocketsmith.com/article/503-transaction  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

This episode is a recast of my January miniseries.Episode #1 of the Get Your Head in the Game Miniseries is all about wiping the financial slate clean for the year ahead. The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsDisclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to Daisy Stevens from Finspo: a digital mortgage broker making it easier to get a great home loan, and pay it off faster. Daisy and I talk through: What the heck is going on with interest rates What that means for your finances as a home owner What refinancing is and how it works Why we feel reluctant to refinance (and why we shouldn’t!) Ways to keep on top of your home loan and interest rate Where to find out more about Finspo Website: finspo.com.au Instagram: @getfinspo App: Finspo -  Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In this episode I go through the light and dark of credit cards to help you better understand the risks, rewards, and how to use credit responsibly.  I go through: How interest accumulates on a credit card The psychology of why we spend more when paying on credit What minimum payments mean How credit can impact your ability to get a mortgage How credit card rewards points work How to assess a credit card’s perks How to spend responsibly on a credit card And how to recognise when credit isn’t serving you  Please approach credit products with caution and do appropriate research before applying. -  Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Today’s episode was created in partnership with H&R Block. I am joined by Sindy Rogers from H&R Block to talk about all things taxes. We debunk what tax brackets really mean and why getting a payrise won’t mean paying a higher tax rate on all your income, what deductions we can make and how to ensure we’re compliant, and the hard hitting questions like ‘will the ATO find out about my crypto profits’ and ‘why do I pay so much tax on my second job’.   H&R Block have a suite of affordable and reliable tax support for individuals, freelancers and small businesses, and can help make tax time WAY less stressful for you. Remember, the cost of managing your tax affairs is tax deductible!  H&R Block services: https://www.hrblock.com.au/  Plus, checkout ReceiptHub by H&R Block to help you keep track of your deductible receipts each year, and MoneyHub by H&R Block to keep you on top of your spending.  ReceiptHub: https://www.hrblock.com.au/receipthub/  MoneyHub: https://www.hrblock.com.au/financial-services/moneyhub/ - Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In this BONUS episode of the podcast I break down how to change your approach to grocery shopping and meal planning in order to save more money amidst the cost of living crisis. I take you through: how to optimise your shopping list for maximum money and waste saving how to access the benefits of batch cooking without the monotony how to create meals with flexible ingredients so you're not left paying $15 for a cauliflower how to make the most of every ingredient you buy; and how to learn about spices and flavours to dress up basic ingredients into more exciting meals - Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

Hey everyone, today is my 31st birthday so I've recorded a little catch up episode to update you on where I'm at, and shared 10 thoughts about turning 31. After this episode the podcast will be taking a short 3 week break and returning on June 30.    Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In today’s episode I take you through 10 easy ways to feel more wealthy in your everyday life, without earning a single cent more. Often our financial attitudes and behaviours have as much, if not more, impact on our financial reality than the actual numbers. Implement some of these handy tips into your money routine and feel more abundant in an instant. -  Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In today’s episode I unpack the mental health benefits of romanticising your life, your habits and your money, and share ten easy ways to start implementing romanticisation into your everyday.  - Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to my mortgage broker, Alistair Jordan, about all the confusing stuff that comes with first home buying, to help you feel more confident going into the process. We talk through different types of home loans, how brokers work, the difference between fixed and variable loans, different home loan features, and what the heck happens at settlement.  Where to find Al: Instagram: @woodrow_finance_group Website: https://www.woodrowfinancegroup.com.au/ Email: [email protected]  Full disclosure: in some cases I may receive a referral fee if you choose to work with Al and successfully purchase your home with his help. -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In today's episode I take you through the stages of behaviour change and how we can leverage this knowledge to make changes to our lives and our habits – for good.Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.Where to find me:Instagram: @the.brokegenerationBlog: www.thebrokegeneration.comDisclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I’m joined by founder of The Millennial Crisis, Demi Kotsoris. Demi talks us through the concept of a millennial crisis, why we’re all having one, and how community could be the key to fixing our generation’s many woes. Demi and I also chat about many of the questions we all find ourselves asking every single day, in the hope you’ll feel less alone in your millennial crisis. Where to find Demi and The Millennial Crisis: Instagram: @themillennialcrisis TikTok: @themillennialcrisis Website: www.themillennialcrisis.com -  Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I’m joined by Mhari Todd, aka The Roadblock Coach. Qualified coach and specialist in helping people overcome their roadblocks, Mhairi takes us through how we can overcome our financial roadblocks and get out of our own way, by healing our relationship with money and seeing the importance of nurturing it like any other relationship.  Where to find Mhairi: Instagram: @theroadblockcoach Website: https://revolvecoaching.co.uk/ -  Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In today’s episode I’m joined by Mel Miller from Saver Plus – a financial literacy program for low income Australians that teaches long term savings habits and a $500 matched savings challenge to supercharge savings progress.  Here’s where to find out more about Saver Plus for yourself or a friend or family member, and all the eligibility and intake information you need: https://www.bsl.org.au/services/saving-and-managing-money/saver-plus/  - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In today’s episode I am sharing some top tips for pet owners on budgeting and money management for your furry family members, PLUS being joined by Dr Teagan Lever from Pet Circle to spill more tea on how to save money when parenting a pet.  Find out more about how Pet Circle can help you #PetBetter at petcircle.com.au or @petcircle on Instagram.  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In today’s episode I chat to Iolanthe Gabrie, my friend and ex-employer, about her experience navigating modern divorce as a successful woman.  Trigger warning: this episode contains themes of divorce, separation, family violence and depression.  Where to find Iolanthe Book: www.100daysofbrave.com Blog: www.iolanthegabrie.com/blog Instagram: @rubyassembly  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In today’s episode I chat to Tam Al-Saad, about how he left his job mid-pandemic after experiencing burnout, to pursue his passion project and find a renewed sense of purpose in his work.   Where to find Tam / Foura Instagram: @joinfoura   Website: www.joinfoura.com  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I speak to Ayumi Uyeda, founder of Proppie, about her new co-ownership matchmaking platform that’s set to revolutionise the way we buy property, and break down so many barriers to homeownership and stable housing.  If you have further questions about Proppie or the co-ownership model, feel free to email them to [email protected] with PROPPIE in the subject line. I’m working with Ayumi and their team to continue the conversation around property co-ownership, and would love to hear from you with your thoughts! Where to find Ayumi/Proppie www.proppie.com.au   - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Edit: where I say The New Yorker I meant New York Magazine, LOL. Sorry.In today's bonus episode I'm talking you through some of the money observations I experienced after watching Inventing Anna on Netflix. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In today’s episode I chat to journalist and new mum Kellie Scott about her experience with motherhood indecision, and how societal, personal, financial and biological pressures make the decision on whether or not to have kids even more complicated. Trigger warning: this episode contains themes of fertility and choosing to be child free. Please protect your mental health and tap out if this isn’t right for you at this time. Where to find Kellie Instagram: @hairlossboss - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

Ever get those sparks of motivation right before bed, or over the weekend you vow to change your life on Monday? Firstly, they're telling you something about what you really want. Secondly, we can capitalise on those fleeting moments of motivation to edge us closer to eventual change.    Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Subscribe to The Broke Generation newsletter or more content like this:www.thebrokegeneration.com/subscribeReady to feel good about money? Get your Feel Good Finance Guide here:https://thebrokegeneration.com/feel-good-finance-guide/See omnystudio.com/listener for privacy information.

In today’s episode I chat to Sarah from @themoneymindsetaus about what led her to take a 7 month career break after burning out in her role as a lawyer.  At the time of recording, Sarah was planning to take a role and return to work. This has since changed and she is still on her career break!   Where to find Sarah Instagram: @themoneymindsetaus  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Wrapping up February  with a goal review and updates on all that’s been going on! I review my Feb goal progress and reflect on the challenges I set myself, update you on life and business, and set out what I’m focusing on for March.Mentioned in this episode:Grab your Feel Good Finance Guide here: https://thebrokegeneration.com/product/feel-good-finance-guide/Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsDisclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

PHEWEEEEEE this episode is a chunky one, pals! Chunky lady, chunky episode, am I right? This is a really candid deep dive into my longer term money story, both from the practical perspective of where I was and where I am now, and the emotional aspect that comes along with that.   I share a lot of personal financial experiences, some of which you may deem better than your own, some of which may be worse than your own. Everyone’s experiences with money are going to be different, and I ask that you respect that when listening to this episode.  Mentioned in this episode: Feel Good Finance Guide: https://thebrokegeneration.com/product/feel-good-finance-guide/ -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Hey everyone! I'm enjoying playing a little bit more 'in the moment' with the occasional bonus mini episode here and there whenever I have a thought worth gassin' about! So enjoy this little think point on why we should actively choose to feel good whenever we have the choice. Life is hard enough anyway, why choose hard if we don't have to?! I hope this resonated in some small way, or got you thinking about your outlook on life – let me know if you enjoyed it over on IG! Thanks for listening and enjoy your weekend!   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I chat to Cherie Clonan, founder of Melbourne social media agency The Digital Picnic. We talk about what it means to do business better, how you can be profitable and purposeful at the same time, and ways employers can better look after their staff – particularly post-pandemic.   Trigger warning: this episode touches on the themes of domestic violence and mental health.   Where to find Cherie + The Digital Picnic Instagram: @thedigitalpicnic  Website: www.thedigitalpicnic.com.au   -   Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.

In this episode I talk to Devni Wimalasena about the ways women are disadvantaged when it comes to finances, and what needs to change to create real gender equality.    Where to find Devni: Instagram: @devni__  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

New bonus episode, wrapping up January with a goal review and updates on all that’s been going on! I review my January goal progress and reflect on the challenges I set myself, update you on life and business, and set out what I’m focusing on for February. Mentioned in this episode:Grab your Feel Good Finance Guide here: https://thebrokegeneration.com/product/feel-good-finance-guide/Habit App: https://apps.apple.com/au/app/habit-daily-tracker/id1445651730Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.Where to find me:Instagram: @the.brokegenerationBlog: www.thebrokegeneration.comDisclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I dive deep into the pros and cons of side hustling to help you establish whether or not its the right path for you. Part 2 will drop in two weeks, packed with takeaways and tips on how to side hustle safely and sustainably. Mentioned in this episode: https://thebrokegeneration.com/blog/2020/07/11/why-i-quit-my-reselling-side-hustle/Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.    See omnystudio.com/listener for privacy information.

In this episode I chat to resident psychologist at Seek, Sabina Reed. Sabina explains the concept of work life boundaries over work life balance, and how we can apply this new thinking to the modern world of work.  Where to find Sabina: Podcast: Human Cogs www.humancogs.com/ Website: https://www.sabinareadpsychology.com.au/  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to habits expert and host of Very Excellent Habits, Carly Jacobs, about how to get your mindset in the right place to set goals after a tough year, and how to develop the habits and routines you need to actually achieve them.  Where to find Carly: Instagram: @veryexcellenthabits  Podcast: Very Excellent Habits Website: https://www.smaggle.com/  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Get your Feel Good Finance Guide now: https://thebrokegeneration.com/feel-good-finance-guide/The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s documents feature here: https://www.pocketsmith.com/blog/organizing-household-documents-with-pocketsmiths-attachments-feature/The final episode #5 of the Get Your Head in the Game Miniseries takes you through 12 ways to power boost your finances with practical, actionable takeaways you can implement right away.  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

Get your Feel Good Finance Guide now: https://thebrokegeneration.com/feel-good-finance-guide/The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, take a tour of PocketSmith’s custom dashboards here: https://www.pocketsmith.com/tour/Episode #4 of the Get Your Head in the Game Miniseries spills the tea on 8 hot hacks to make money easier in your everyday life.  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

Get your Feel Good Finance Guide now: https://thebrokegeneration.com/feel-good-finance-guide/The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s timeline feature here: https://learn.pocketsmith.com/article/768-using-the-timelineEpisode #3 of the Get Your Head in the Game Miniseries takes you through financial habit change and how small actions compound to big results.  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

Get your Feel Good Finance Guide now: https://thebrokegeneration.com/feel-good-finance-guide/The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Plus, learn more about PocketSmith’s transactions feature here: https://learn.pocketsmith.com/article/503-transactions Episode #2 of the Get Your Head in the Game Miniseries dives into financial values and how to spend in alignment with them.  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

Get your Feel Good Finance Guide now: https://thebrokegeneration.com/feel-good-finance-guide/The Get Your Head in the Game miniseries is lovingly sponsored by PocketSmith. Head to Pocketsmith.com/thebrokegeneration to get 50% off your first two months of PocketSmith Premium. Episode #1 of the Get Your Head in the Game Miniseries is all about wiping the financial slate clean for the year ahead.   Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In this episode I share my top tips on how you can get ahead of your financial game plan for 2022, and share some juicy news and announcements on resources to help you get set up for success in 2022.  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I reflect on my personal and professional learnings from 2021, and look ahead to 2022. - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to Tiahn Wright about the financial and emotional side of living with two chronic health conditions. Tiahn has endometriosis and bipolar II, and we dive into the ways health can impact wealth, both directly and indirectly.  Also in this episode, bucketloads of good vibes to these epic small businesses that deserve your love this year! Willow and Sprout https://willowandsprout.com.au/ https://www.instagram.com/willow.and.sprout  Soul Fire Wellness https://soulfirewellness.org/ https://www.instagram.com/soullfiire Bispha Studios https://bisphastudios.com/ https://www.instagram.com/bispha.studios Wurrumay Collective https://wurrumaycollective.com/ www.instagram.com/wurrumay_collective   -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I share some top tips and mindset shifts to help you spend sensibly – but still joyfully – this holiday season. However you celebrate, we want it to feel good financially, and that’s exactly what this episode is all about.  Also in this episode, bucketloads of good vibes to these epic small businesses that deserve your love this year!  Desvalido silk frenchies and scrunchies https://desvalido.com.au/ https://www.instagram.com/desvalidoau  Alegra Allure jewellery https://allegra-allure.com/ https://www.instagram.com/allegra_allure_/ Charm Offensive Tees https://www.charmoffensivetees.com.au/ https://www.instagram.com/charmoffensivetees/ Bini Chohan https://www.binichohan.com/  https://www.instagram.com/binichohan/ - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.See omnystudio.com/listener for privacy information.

Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I fangirl Dylan B Jones, London boy-about-town and co-host of So I Got To Thinking, the weekly Sex and the City podcast that applys the questions of Carrie Bradshaw to modern life and love.  Dylan and I chat about the money themes of Sex and the City, including ways it really missed the opportunity to open the conversation about women’s finances, the biases that we as viewers are bound by when watching, and whether or not Charlotte should have offered Carrie the money for her apartment or not.    Where to find Dylan and the So I Got to Thinking podcast: Instagram: @sigttpodcast Search So I Got to Thinking wherever you get your podcasts. Co-hosted by @junodawson  - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this solo episode I chat to myself about the Netflix hit series Squid Game and what the themes tell us about debt, money and freedom.  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to Melbourne-based Buyer’s Advocate Emily Wallace about how we can rewrite the homeownership and property narrative for our generation, overcome the obstacles holding us back, and let go of outdated norms.   Mentioned in this episode: Emily’s inflatable bath: https://www.ebay.com.au/itm/402953403170?hash=item5dd1e4fb22:g:fsAAAOSw-9Bg2WV1&mkcid=1&mkrid=705-53470-19255-0&siteid=15&campid=5338827094&customid=&toolid=20012&mkevt=1  Where to find Emily: Instagram: @emily_wallace_ba  First Home Buyer Course: https://www.emilywallace.com.au/course Book a free discovery call: https://www.emilywallace.com.au/#section-dpEkIuW8Wx  -Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I take you through the psychology of budgeting, and how to set a budget that works WITH your personality, rather than against it. Highlights: Why we find budgeting hard What's going on in our brains when we set a budget Applying your personality traits to your money management system How understanding yourself makes it easier to manage money Creative strategies to make budgeting easier and more enjoyable Sign up to The Glue: my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is for entertainment purposes only and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In this episode, I chat to Whitney Selvanayagam about starting a business in lockdown, how that’s affected the way she sees money, and the ups and downs of being a small business on social media.  Where to find Whitney / Willow and Sprout:  https://willowandsprout.com.au/ www.instagram.com/willow.and.sprout Use code TBG20 for 20% off your order!This episode was kindly sponsored by H&R Block.https://www.hrblock.com.au/business-services/small-business/  - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode, I chat to my internet pal and fellow boyband/Westlife tragic, Tabby Warley, about all things debt, trauma and finding yourself. Trigger warning: this conversation contains the topics of self harm, sexual assault and suicide. Please look after yourself and only listen if or when you feel able to do so. Resources for debt and/or mental health support: Christians Against Poverty Debt Counselling Charity https://capuk.org/ – UK StepChange Debt Charity https://www.stepchange.org/ – UK  National Debt Helpline https://ndh.org.au/ – Australia The Salvation Army Debt Counselling https://www.salvationarmy.org.au/need-help/financial-assistance/financial-counselling/ – Australia  Lifeline Australia 13 11 14 Samaritans UK 116 123  Mind UK https://www.mind.org.uk/ - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

 TRIGGER WARNING: this episode contains themes of financial hardship during the pandemic.  In this episode I talk to Melbourne photographer Breeana Dunbar about being a single mum and a sole trader during the pandemic. Bree talks through the gaping holes left by the Morrison Government’s individual and business support packages, the emotions she felt going through the pandemic with financial concerns, and the impact it’s had on her business.  Where to find Bree: Website: https://www.breeanadunbar.com/ Online store: https://www.breeanadunbar.com/print-shop Instagram: https://www.instagram.com/breeanadunbar/?hl=en\  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I unpack the pros, cons and considerations of car loans, how they can impact your financial position long term, and we also hear from some listeners about their experiences.This episode was lovingly sponsored by Pocketsmith. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of Pocketsmith’s premium plan.  -  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I talk to Kimberli Fourro about what it’s like to be a step parent in your twenties, entering into a debt management plan, and starting a business on the side of work and study. We also unpack the commercialisation of self care, green washing and the traps set up for us by modern consumerism.   Kimberli is a proud Torres Strait Island woman living, loving and creating on Yuggera & Turrbal lands. She runs her own online store called Soul Fire Wellness where she creates her own natural bath, body, home and wellness products for your own moment of calm.  Where to find Kimberli: Website: https://soulfirewellness.org/ Instagram: www.instagram.com/soullfiire   This episode was lovingly sponsored by Pocketsmith. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of Pocketsmith’s premium plan. Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this solo episode I unpack the ‘main character’ trend and explore how to become the main character of your finances.This episode was lovingly sponsored by Pocketsmith. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of Pocketsmith’s premium plan.Mentioned in this episode:Clare Seal @myfrugalyearMhairi Todd @theroadblockcoach  - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In this episode I chat with my boyfriend about how we manage our money as a couple, and answer some of your questions about harmonious couples finances. - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In this episode I talk through one of my favourite books, Atomic Habits, and take some of James Clear’s concepts on human behaviour and apply them to how we spend and manage our money.  This episode was lovingly sponsored by Pocketsmith. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of Pocketsmith’s premium plan. Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

 In this episode I chat to Jess King, content creator at @jesselleking and fellow reformed spendaholic. We talk about how low self esteem can manifest itself into a negative relationship with money, how Jess and I ended up in debt via a similar path, how she’s healed her relationship with money and what she does now to save with minimal effort.    Where to find Jess: Instagram: @jesselleking  YouTube: https://www.youtube.com/channel/UCv40sqvt9bSlrtl6CnVXI3w This episode was lovingly sponsored by Pocketsmith. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of Pocketsmith’s premium plan. - Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

In this episode, I unpack the different ways our trauma response to the pandemic could be impacting our relationship with money. We hear from some listeners about how their perception of money has changed throughout the pandemic, and unpack some tips on how to shift our mindset around money away from stress, fear and anxiety and into a more positive space.   Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode, I talk to stylist and founder of the Australian Style Institute, Lauren Di Bartolo about all things intentional shopping and buying well.  The Australian Style Institute is a nationwide body which empowers and equips budding stylists with all the education and networks they need to become successful professional stylists, from personal styling to editorial, red carpet and so much more.  For people interested in engaging a stylist, consumers can contact ASI via their website. From personal to commercial styling, ASI has a wide community of professionally trained stylists that are available so everyone can find their perfect match. Pricing will vary for the individual.  Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to my friend Leah Morris, advertising creative and founder of Mavens. We talk all things finance, feminism and the beauty of getting fired. Where to find Leah and Mavens: Instagram: @mavens_aus Website: www.themavens.com.au  Newsletter: https://www.themavens.com.au/connect   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget. Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I share fourteen juicy tips on how to do your financial hot girl sh*t and glow up your money and mindset. This episode contains a sponsored offer from State Trustees online wills. If you’re living in Australia and are 18 years or over, State Trustees are offering 30% off online wills with the code TIME2WILL. Your will must be completed within 30 days of opening your account.  Guide to wills: https://thebrokegeneration.com/blog/2021/03/10/a-millennials-guide-to-wills/ State Trustees online wills: https://www.statetrustees.com.au/wills/online-wills Mentioned in this episode: Wurramay Collective, Aboriginal-owned business www.wurramaycollective.com @wurrumay_collective Laura Anne Moore on Instagram: @laura_anne_moore Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

In this episode, I unpack the light and dark of Buy Now Pay Later, and dig into some of the shady marketing tactics, ethical dilemmas and how the impacts of using BNPL can last a lot longer than a fast-fashion dress. Sign up to my weekly feel-good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. See omnystudio.com/listener for privacy information.

In this episode I chat to my good friend Kitch Caterall about her earliest memories of saving, what it’s like running a business on the side of a full time job, how it feels to earn extra income, and the unfortunate product of side income: burnout.  We also delve into the dissonance many of us experience between disagreeing with the individualistic, productivity-obsessed hustle mindset of capitalism but still finding joy in entrepreneurialism. Speaking on the ethics of doing business, the cost of building a life that’s in line with your values, and the freedom that comes with the ability to make extra money, I hope this conversation provides a new perspective on the side hustle narrative; one that looks at the light and dark of the multi-hyphenate life, rather than sensationalising traditional success stories.  Kitch’s personal account @soybabie_ Kitch’s candles: @Bispha.Studios and https://bisphastudios.com/ Get 20% off Kitch’s candles with code BROKEGEN Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.  See omnystudio.com/listener for privacy information.

Some say money is just transactional, but I couldn’t disagree more. Money has some serious emotions tied to it, and the way we feel can have a direct and indirect impact on the way we spend and our overall sense of financial wellbeing. In this episode (and my first solo episode!) I gabber on about some of the different aspects of emotional spending, destigmatise spending to feel better, and offer some actionable tips on how to take control of your emotional spending.  We also hear from some listeners and followers about their emotional spending experience, and hone the importance of identifying an unhealthy spend from a perfectly healthy one.    Mentioned in this episode: Managing Money While Living With Bipolar Disorder https://thebrokegeneration.com/blog/2020/09/04/bipolar-disorder-managing-money-mental-health/    Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.   Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess Millennials   Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.   See omnystudio.com/listener for privacy information.

Where to find me: Instagram: @the.brokegeneration Blog: The Broke Generation | Destination for Hot Mess MillennialsSee omnystudio.com/listener for privacy information.