The Broke Generation

"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.