The Broke Generation

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.