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.brokegeneration
TikTok: 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.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

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.brokegeneration
TikTok: 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/@victoriashakeshaft

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.project

See 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

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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-call

See 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’

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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/

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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 Millennials

See 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.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

See 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 Millennials

See 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/

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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

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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.

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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 Millennials

See 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 

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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.

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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 Millennials

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.brokegeneration
TikTok: 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/@victoriashakeshaft

See 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 Millennials

See 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 Millennials

See 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 Millennials

See 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 Millennials

See 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 directly

Where to find Deline:
Instagram: @maziwealth
Website: maziwealth.com.au
Book a free 15 minute discovery call.
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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 spirals

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 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 Instagram
Website: 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 repayments

Head to finspo.com.au to get started online.

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See 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

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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.

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.

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 decisions

Where to find Dan:
Website: https://danmonheit.com/
Bad Decisions Podcast: https://danmonheit.com/home/#bad-decisions
Hardhat Agency https://hardhat.com.au/

Where to find me:

Instagram: @the.brokegeneration

Blog: The Broke Generation | Destination for Hot Mess Millennials

See 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

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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 concept

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.

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 Hustles
Episode #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 Millennials

See 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 Millennials

See 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.

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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

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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.

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.brokegeneration
TikTok: 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/@victoriashakeshaft

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.