The Broke Generation

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.