The Broke Generation

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.

Victoria Shakeshaft, aka @bad.bitch.money, is a financial counsellor and content creator passionate about destigmatizing financial struggles. She dives into how diet culture and beauty standards undermine women's financial confidence, linking self-worth to money management. Victoria sheds light on the influence of societal pressures on spending habits and critiques the consumerism driven by billion-dollar industries. The discussion also emphasizes the importance of redefining personal goals and finding joy in fitness rather than focusing solely on appearances.

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.