The Broke Generation

In this episode, V and I talk about the importance of planning and being intentional, whether in your day to day, or your wider life. Highlights: The significance of popping out unplanned and the consequences on your bank account Unplanned spending and leaking money Making big life decisions without a plan The importance of a plan A, B and even C Understanding your tolerance for risky decisions 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/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

While on my whirlwind UK adventure, I had the chance to catch up with Kira Matthews, a very popular previous guest on the podcast. Kira, a mindset and manifestation coach, is back to share more of her practical wisdom on bridging the gap between who we are now and who we want to become. In this episode, we unpack how to rewrite the narrative of your life, focusing on understanding your identity and making intentional, incremental changes. Kira explains why overnight transformations often fail and highlights the value of embracing discomfort as part of growth. Together, we’re tackling perfectionism, reframing limiting beliefs, and building the confidence to move forward. If you’ve been feeling stuck or unsure how to take the next step toward your goals, this episode is packed with insights to help you start rewriting your story today. Episode highlights: How understanding your identity drives transformation. Why small, intentional changes lead to lasting growth. Practical strategies to overcome perfectionism and self-doubt. “When I think about changing your story, it's about suddenly being aware of all of these characters, this setting, this scene, this story, the beginning and the end, and saying, actually, I want something new."Kira [05:32] “Perfectionists avoid trying to do something the first time because they’re attempting to navigate that inner critic - that’s so out of control."Kira [24:25] “Co-working spaces have been really good for me—being around people who are also self-employed—because otherwise it’s so isolating, and you do feel like you’re wrong."Emma [42:12] Missed the previous episode with Kira? Check it out here or search for Episode 61 ‘Can you really manifest money? A no BS guide to manifestation, with Kira Matthews’. Where to find Kira Matthews Website: https://www.kiramatthews.com/ No Room For Doubt Podcast: https://www.kiramatthews.com/podcast Instagram: https://www.instagram.com/kirathebold/   Where to find The Broke Generation 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.See omnystudio.com/listener for privacy information.

SURPRISE!!!! WE'RE BACK BABY! Yep, welcome to season 3 of The Comments Section. You're joined by your two favourite chaos queens, Emma and Victoria. In our first eppy back, we're talking about your past, present and future self, and how the different versions of ourselves relate to our finances. Plus, we unpack the rise of the weight loss wonder drug, and question what it'll do for body acceptance, plus size fashion, and our relationship with who we are. 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/@victoriashakeshaftSee omnystudio.com/listener for privacy information.

This may be my FAVOURITE solo ep I've ever recorded. I take you on a journey through the many evolutions of my personal finances so far, through the lens of the mindset shifts and identity upgrades I've undergone going from hot money mess to financially confident and building wealth. I go through the changes I made as I: Started fixing my finances once and for all Began paying off debt Finally paid off my debt Learned to save Invested small amounts Invested bigger amounts Went full time self employed and bought a brand new car for the first time ever  See omnystudio.com/listener for privacy information.

In this episode, your ears are being blessed once again by Laura Ann Moore, the UK-based financial wellbeing coach, educator and your money bestie. Laura shares her approach to transforming our relationships with money and building wealth while staying true to our values. We explore how financial security and freedom look different for everyone - and why it’s essential to define what it means personally before working toward it. From practical budgeting strategies to reframing spending habits, Laura discusses the mindset shifts needed to make intentional choices with money that align with a fulfilling life. Episode highlights: Shifting focus from chasing income to defining your version of financial freedom How category limits shape our spending habits Practical strategies to avoid extreme saving or spending “Feeling good about money means something different to everyone… The work around feeling good about money is knowing what it means to you, and you can only do that by exploring money on a deeper level than just numbers and spreadsheets."Laura [04:46] “To one person, freedom is digital nomads travelling the world, going to a new place every year, every month, every week, whatever. To the next person, freedom means staying at home with the kids and leaving their 9 to 5."Emma [07:34] “It all just comes down to reframing how you view spending, investing, saving and just money in general and what each of those things mean."Laura [23:18] “When you actually look at handing over real money for those things, it can actually highlight when what you want is actually not that thing."Emma [32:09] Missed the previous episode with Laura? Check it out here or search for Episode 92 ‘The psychology of saving money, with Laura Ann Moore’. Where to find Laura Ann Moore Website: https://www.mindmoneysoul.co.uk/ Podcast: https://www.mindmoneysoul.co.uk/podcastInstagram: https://www.instagram.com/laura_ann_mooreTiktok: https://www.tiktok.com/@lauraannmoore Where to find The Broke Generation 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.See omnystudio.com/listener for privacy information.

In this ep I'm taking you through 6 juicy ways to hack your brain and find money solutions that work for YOU. We can know all the solutions and all the strategies, but if we're not actually DOING it, it's all for nothing. You know what I always say, getting to know yourself is an act of financial empowerment – and that's what we're doing today. Getting to know yourself and your brain so we can find techniques for managing your money that make sense to you and elicit that all important "click" moment.  A quick PS: this episode was originally a free masterclass taught inside my Spend-tember challenge, but I know you're gonna love it as a podcast, too.  Order my book, Good with Money! 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, I’m joined by Kate Browne, head of research and insights at Compare Club, to explore the real impact of buy now, pay later services on our everyday financial habits. What started as a tool for spreading the cost of larger purchases has crept into everyday essentials like groceries and fuel. But how is this changing the way we think about spending and budgeting? Kate and I dive into the hidden consequences of relying on these services, from juggling multiple payments to losing sight of the true cost of things. It’s not just those facing financial difficulties - many people with higher incomes are now turning to buy now, pay later instead of traditional credit options. Why is that? And what does it say about our changing relationship with money? We also look at the potential long-term impacts, especially on younger generations, and how these services might be reshaping financial behaviour for years to come. Today we cover: How buy now, pay later services are becoming part of everyday life. The effect on spending habits across all income levels. What we should be aware of as these services grow in popularity. “Some people said they were using it daily. And this is really showing that buy now, pay later isn't sort of a nice-to-have tool, but it's really ingrained as a financial tool for people to get from paycheck to paycheck."Kate [03:56] “It's very, very easy to lose control and even in people who are generally good with money, once you kind of lose control, it's really hard to get it back or it's even easier to put your head in the sand."Kate [08:03] “The relationship we have with our phones, we're on them all the time. So paying with them doesn't feel like anything out of the ordinary."Emma [23:14] Where to find Kate Website: https://compareclub.com.au/expert-analysis/author/kate-browne/ Where to find The Broke Generation 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.See omnystudio.com/listener for privacy information.

In this bonus episode I take you through five key things you can gain from unpacking your relationship with clothing spending, and tell you about the next round of The Wardrobe Project that's kicking off on October 28th. Highlights: The joy we think we feel from buying clothes isn't REAL joy! The mental lightness that comes from shutting out the noise of consumption How you can free up money for things you actually want Why you won't be thinking about that blazer on your deathbed Why our bodies are on trial every time we purchase clothes JOIN THE WARDROBE PROJECT HERE: https://mailchi.mp/1913ab5d92b6/the-wardrobe-projectSee omnystudio.com/listener for privacy information.

There are ten weeks left of 2024! How good would it feel to start 2025 with a $1000 headstart on whatever you want to work towards, or have $1000 saved up and ready to enjoy as an end of year treat!? WELL, in this episode we're making it happen. By building up momentum and approaching a short term goal from an opportunity perspective, we can make big progress without too much sacrifice... and this episode is going to give you all the tips, motivation and energy you need to hop on board.  Mentioned in this episode:  The Wardrobe Project, enrolling October 28th:  https://mailchi.mp/1913ab5d92b6/the-wardrobe-project Broke Gen Baddies Facebook Group: https://www.facebook.com/share/g/rErfbtizRDMYPGnV/See omnystudio.com/listener for privacy information.

In today's episode, we're going down memory lane back to one of the early early episodes of the podcast for a book club-style chat about one of my all-time favourite reads, Atomic Habits by James Clear. This was episode ELEVEN of the show so do forgive my under-developed podcasting style in this episode, but it's still an enjoyable listen! Atomic Habits is about behaviour change in general, but it also contains helpful insights for reshaping how we approach money. Instead of going for that crash diet mindset - cutting everything out for a short-term win - this episode is all about making better financial habits a natural part of your day-to-day life. I break down Clear’s four laws of behaviour change - Make It Obvious, Make It Attractive, Make It Easy, and Make It Satisfying - and share practical ways to apply them to your financial world. Whether you’re looking to save more or spend smarter, this episode is packed with actionable tips and bite-sized wisdom to help you build lasting change. Perfect if you're ready to level up your money mindset! Book mentioned: Atomic Habits by James Clear Also order Good With Money! Where to find The Broke Generation 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.See omnystudio.com/listener for privacy information.

In this episode, I sit down with Jessie Leong, known as howifundthis on Instagram, to explore a common yet often overlooked financial struggle - money anxiety and the fear of spending. We discuss the challenges of hoarding money for security and how it affects those who identify more as savers rather than spenders. Jessie shares her personal journey, from growing up with the mindset of saving for a rainy day to grappling with the discomfort of parting with money. Together, we break down how to build a healthier, more balanced relationship with money, allowing for financial freedom without fear, shame, or anxiety. Episode highlights: Strategies to overcome money anxiety and scarcity mindset. The emotional challenges of being a natural saver. How to find balance between saving and spending. Where to find Jessie Website: https://howifundthis.com/Instagram: https://www.instagram.com/howifundthis Where to find The Broke Generation 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.See omnystudio.com/listener for privacy information.

GIDDY UP cats and kittens, there's 25% of the year left and we're going to grab it with both hands and squeeze every last drop out of it. In this episode I'm taking you through a sexy little goal setting method to help you tease out some exciting goals for the rest of the year. Studies have shown that motivation is actually higher in September than in January, as you've less time to work with and the promise of a hard reset coming up. Don't just sit back and let the rest of 2024 pass you buy – let's move on your goals NOW and get a headstart on 2025.  Highlights: The four principles of goals according to goal setting theory The GROW action plan Inputs and outcomes Actions and avoidances Behavioural contracting This is not your average goal setting episode – not a SMART goal in sight, I promise. You'll learn new techniques to tease out goals that matter to you, refine them, and then get to work on making them happen.  Mentioned in this episode: Piping Hot Goal Setting Power Pack: https://thebrokegeneration.com/product/piping-hot-goals/ Join the Podcast Facebook Group: https://www.facebook.com/share/g/SKvbYroQLVHd674A/See omnystudio.com/listener for privacy information.

Does your budget actually align with who you are? If you value freedom, autonomy and doing things your own way, shouldn't your budget reflect that too? Likewise, if you love structure, rules and boundaries, you can manage your money with this in mind, too. In this episode I talk through ways to understand your own personality, psychological profile and motivational style and how to apply that to your finances, in the context of 5 popular budgeting styles: Zero-based budget Reverse budget 50/30/20 budget Kakeibo Cash envelope budgeting Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting See omnystudio.com/listener for privacy information.

What does self respect mean to you? I bet money wasn’t the first thing to come to mind – but money and self respect are deeply, deeply linked. In this episode I explore what it means to financially respect ourselves and how we can embrace it in our everyday lives. Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/votingSee omnystudio.com/listener for privacy information.

Restriction? Eww David. I am NOT about it, and luckily, you don't need to be either in order to slay your financial goals. In this episode I'm taking you through 10 top tips to slay your savings without feeling restricted or deprived. When we get into a rhythm with our savings habits, we get to the sweet spot – where our savvy habits become the norm and the progress just ticks over in the background. But we'll never get there if we've build ourselves a budget of misery, or we always feel like we're missing out on something. Dive into these 10 shifts that'll see you slaying your savings without missing out.  See omnystudio.com/listener for privacy information.

In this bitesized nugget I'm talking about the ways your brain processes your experiences and uses them as evidence to uphold your existing beliefs – and of course, what we can do with that information to use it to our advantage. Mentioned in this episode:  Millhouse Mindset episode: https://thebrokegeneration.com/blog/episodes/my-game-changing-mantra-for-the-last-3-months-of-2023/ Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/votingSee omnystudio.com/listener for privacy information.

In this episode I'm diving into why a payday routine is your superpower and how it can change the game for your finances. I'm also sharing a super simple calculator template that you can use to work out how to set aside money for all of your bills and expenses as an equal portion from every payday! Jump into the SPEND-TEMBER Facebook group to gain access to that template: https://www.facebook.com/share/g/uoLX5T7djGgjGH2H/See omnystudio.com/listener for privacy information.

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In this episode we're diving into 6 reasons you might be spending more than you want to (or more than you think) and what to do to flip it. In discovering what can keep us upholding a pattern of behaviour, we can unlock the antidote in order to make the opposite behaviour our new default setting. Vote for The Broke Generation Podcast in the Australian Podcast Awards: https://www.australianpodcastawards.com/voting Join the Spend-tember Facebook group: https://www.facebook.com/share/g/eADRV2Yw7iF3nDBy/ Join the waitlist for the final Wardrobe Project cohort of 2024: https://mailchi.mp/e60be6e4205a/eyhjwar1s8 Get the Pulse Money Journal: https://thebrokegeneration.com/product/pulse-spending-journal/ See omnystudio.com/listener for privacy information.

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