The Broke Generation

Welcome back to This is the year...! This week we're exploring ways to make 2025 the year you SLAY your savings once and for all. Saving money is one of the most life changing skills you can learn – and yes, skill is the operative word here. We expect ourselves to know how to save automatically, but for most of us, it's just not that easy. The human brain isn't wired to delay gratification. We've evolved to use the resources we have to avoid losing them, and so saving money (resources) for an undefined reason, to use on an undefined date in the future, isn't something that comes naturally to us. Luckily, there are ways we can hack our brains to make saving fun and easy, and in this episode, I'm going to show you how.  Highlights: Gamifying saving to make it more fun Using a bundle strategy like the $1000 Project Creating momentum to keep yourself saving Building saving into your budget Learning to live below your means naturally Values-based saving Embracing a base camps vs climbs mentality  This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.See omnystudio.com/listener for privacy information.

Welcome back to The Broke Generation! It’s that time of year where I sit down and think about the year ahead, what I want to achieve, and how I plan to do it, letting you listeners in on that journey. This annual tradition is all about sharing my personal goals for the year, and 2025 is no different. If you’ve been here before, you know this is where I spill on everything from practical habits to big, dreamy aspirations, all with a pinch of fun and zero pressure. This year, I'm kicking off with 25 goals that are inspiring me—and maybe you—to approach life and finances with intention and creativity. Wardrobe challenges, quarterly resets, and everything in between—this year’s goals are all about finding clarity and creating meaningful change. Episode highlights: Why I’m doing a no-clothes-buying year again, and what I learned last time. How to gamify fitness goals for consistency. The case for creating a quarterly reset routine to stay on track, for my finances and life in general. Setting bold yet flexible goals, like growing my Instagram community to 200,000 followers. Ready to embrace your goals? Grab a cuppa and tune in. Mentioned this ep: Sophie Cliff's 'Create Your Joyful 5 Year Plan' Check out my events in London and Sydney, including my book launch and a special session with Victoria (of The Comments Section fame)! Order my book, Good with Money: Australia: https://amzn.to/4eLOi5x  UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.

Welcome back to This is the year... This week is one of my FAVOURITE weeks of the miniseries – getting financially organised. Is this the year you stop chasing your budget like a napkin blowing away in the wind?! YES IT IS!  In this episode, I share top tips for getting your financial admin in place to set yourself up for the year ahead.  Highlights: The psychology of sinking funds and why you need them Why getting financially organised creates momentum in your finances How to streamline your expenses (and why it'll change your finances) The power of a payday routine and how to create one. This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.  Mentioned in this episode:  Bill streamlining calculator https://docs.google.com/spreadsheets/d/1r01f70S_8lZd26uF8jl9YJeKDajbaxnu6lMU6T6Ml-4/template/preview?fbclid=IwY2xjawHofH5leHRuA2FlbQIxMAABHddgIKqo9AZbF6VUWZnRR1LBO85p_kgGlAyRlgh2RxkulIFGHSblhyJ95g_aem_u30LQQdDI5dKl72vC5k83w  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.

In this episode, we discuss our common personality trait of being a "pleasure to have in class" – that is, you were a pleasure to have in class as a child, and as an adult, you're hellbent on making a good impression, being polite, and rarely rocking the boat. But what happens when you DO need to rock the boat? And what happens when your inner pleasure to have in class collides with your inner raging feminist? We find out in this classically chaotic ep.  Once again, please accept my apologies for audio quality. Recording on the go is not my friend.  With thanks to our sponsors, Wallace Advocates and Lending Solved. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: 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 Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings BooksSee omnystudio.com/listener for privacy information.

Welcome back to The Broke Generation podcast! This week, we’re talking all about choosing your word for the year - a trend that’s been around for a while, but one I think is genuinely worth the hype. You know that TikTok sound, “In the clurb we all fam”? Well, let this be the clurb where we’re all about intentional living and smashing financial goals, one thoughtful decision at a time. Picking a word isn’t just a cute exercise; it’s a way to set the tone for your year, helping you navigate life and money with clarity and purpose. I’ll share why I love this practice, how to reflect on what you really want, and prompts to help you find your perfect word. Whether you’ve got one in mind or have no clue where to start, this episode will help you get there. Mentioned in this episode: Reflect & Reset: The Workshop, now available on demand! https://thebrokegeneration.com/product/reflect-reset-2024/ Order my book, Good with Money: Australia: https://amzn.to/4eLOi5x  UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.

Welcome back to This Is The Year! This week we're exploring BUDGETS – most critically, finding a budget that works for YOU. There are tons of plug and play, cookie cutter budgets out there, and while those are great for getting you started, the real magic comes when you find a money management approach that works for you and your brain.  In this episode, we're deep diving on four budget strategies, and unpacking what they are, why they work, and who they're best suited to: 50/30/20 budget Reverse budgeting Zero-based budgeting Kakeibo For each, I'll take you through the pros and cons and the psychology of who they're best suited to, so you can take elements that fit best for you.  This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.See omnystudio.com/listener for privacy information.

Hello chaos fam – welcome to the first episode of The Comments Section for 2025! In a slightly different flavour, in celebration of Victoria's book coming out, we're chatting about our book writing processes, how our books came to be, and the BTS on becoming authors.  SYDNEY AND PERTH EVENT TICKETS COMING SOON!  EMMA'S LONDON EVENT TICKETS Flip the Script: Reclaim Your Power Over Money & Productivity, with Emma Edwards and Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator  Good With Money Launch Party, Friday 17th January at The Hearth, North London: https://www.eventbrite.com/e/book-launch-good-with-money-tickets-1112444364039  Order my book, Good with Money: https://amzn.to/4eLOi5x  Order Victoria's Book, Know Your Worth: https://www.amazon.com.au/Know-Your-Worth-relationship-money/dp/1923022431See omnystudio.com/listener for privacy information.

Welcome to 2025!! In this episode I'm unpacking the power of pride (and the momentum it generates) in your personal finances and exploring what we can do to make ourselves proud this time next year.  Mentioned in this episode: Reflect & Reset: The Workshop https://thebrokegeneration.com/product/reflect-reset-2024/ Order my book, Good with Money: Australia: https://amzn.to/4eLOi5x  UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.

Welcome to 2025 and welcome to This Is The Year... a miniseries I created in partnership with PocketSmith. Each Wednesday in January, I'm unpacking a money goal you might have, and exploring how we can make this year the year you achieve it.  First up, we're talking getting debt free. In this episode, I'll walk you through some popular debt payoff strategies, explore the psychology around debt repayment, and how you can find a route to debt freedom that works for you. This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.

Welcome to the annual end of year guided money reflection! Settle in with a cuppa, a notebook, and an open mind, and get ready to reflect on 2024. By looking back on what the year has held for our finances, we're able to set better goals for 2025 by meeting ourselves where we're at, doing more of what's working and less of what's not. Plus, by zooming out and looking at what this chapter of our money story has included, we can approach 2025 from the position of writing a better chapter than the last, while embracing the lessons learned from the year just gone.  If you want more reflections and support extracting your key goals for 2025, grab access to my annual Reflect & Reset two part workshop. Part 1 was delivered live earlier this month but you can still grab the replay, and part 2 will be delivered on-demand to your inbox on January 6th 2025, for you to devour whenever you're ready to kick off the year. Tickets here: https://thebrokegeneration.com/product/reflect-reset-2024/ Also mentioned in this episode: Flip the Script: Reclaim Your Power Over Money & Productivity event with Sophie Cliff: https://www.eventbrite.com/e/flip-the-script-reclaim-your-power-over-money-productivity-tickets-1111285026429?aff=oddtdtcreator Good With Money Launch Event: https://www.eventbrite.com/e/book-launch-good-with-money-tickets-1112444364039 Order my book, Good with Money: https://amzn.to/4eLOi5x  UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/  Where to find The Broke Generation Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: https://www.tiktok.com/@the.brokegeneration   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.