What I learned buying property at 20 years old.

This is one if the hardest episodes I've recorded in a little while. It's pretty raw. Knowing that it was so easy for me to buy property and realising that I didn't make the most of it is still hard to come to terms with.

This episode is about sharing my story. The incredible opportunity I had and what I learned from the experience. 

Mentioned in this episode:

- The Barefoot Investor

- Effie Zahos

Having Holidays Without The Budget Hangover

Challenges with my routine changes continue as I come home from nearly a month of travel to the school holidays commencing for 2 weeks. 

October 2018 I made the commitment to have 4 family holidays a year. This episode of Adding Up I share:

- What an ideal family holiday looks like

- What has helped me to plan and prepare for each family holiday

- How I have broken the habit of holidays on credit

- How I stretch the budget even further to have longer and more frequent holidays

Mentioned in this Episode:

The Barefoot Investor 

Coping With Routine Changes

I've discovered budgets are easy when you have a routine. So what happens when your routine is thrown in the air? This episode I discuss what strategies are my go to when my routine becomes a distant memory. After almost a month on the road, I share what habit I stick to no matter what and stay on track with my budgeting and continuing to reduce debt as a result.

Conscious Spending

This is the 2nd episode of Adding Up on the Road. Currently in Toronto, Canada. I recap the challenges for planning and doing an unbudgeted trip to USA and Canada. Specifically I focus on, once you are away from home what things can you do to maximise your money to enable it to go further. 

What would you be willing to go without to enable a business and personal development trip?

When Creativity Helps Budgeting

In this episode of Adding Up with Serena Dot Ryan we are on the road in Franklin, Tennessee. 

I recap on the power of creativity and give tips on how I use creativity to be better at budgeting and to grow my income.

I also reveal how I almost didn't go to Franklin Tennessee and the steps I took to make the trip happen.

Mentioned in this episode:

Free The Dream Conference

Cliff Ravenscraft

Stephanie Ravenscraft

Tim Ferriss - Tools of Titans

James Altucher 

Overcoming Credit Card Addiction

In this episode I talk about my challenges with credit cards. How I realise the moment of being reliant on them and then the steps I have gone through to release myself from this pattern of behaviour. This episode is raw, real and cathartic. 

I also share the number one tip my Accountant gave me to change my behaviour.

Mentioned in this episode:

- James Altucher

- Tools of Titans

- Tim Ferriss

Taking Stock Of Progress.

Welcome to another episode of Adding Up The Podcast. I’m the host, Serena ‘Dot’ Ryan and I’m dedicated to sharing my journey as I become debt free.

In this episode I talk about the consequences of having a credit card and what happens when you want to close it. I also reflect on the journey to have paid and closed 2 credit cards within 10 months. 2 down, 1 credit card to go!

I’m also getting ready for travel for the month of September. In this episode I talk about the challenges and opportunities travel presents when sticking to a budget.

Mentioned in this episode:

Ausmumpreneur Conference

Cliff Ravenscraft

Stephanie Ravenscraft

Free The Dream Conference

Predicting The Future

In this episode of Adding Up with Serena Dot Ryan the focus is on the impact of not planning out spending and learning from the consequences of this. There can be immense value in taking the time to budget and forecast for events planned and Serena shares how she has learned from her mistakes and what process she now goes through to budget and literally predict the future to enable her to get closer to her goal of becoming debt free.

Mentioned in this episode:

Tools of Titans by Tim Ferriss

"Discipline equals Freedom." - Jocko Willink

Are you a people pleaser? 

In this episode I share one of my biggest challenges to date. Being a people pleaser. I talk about the consequences of it and what has compelled me to change this long held habit.

I share the steps I have taken to change it and the positive outcomes as a result.

Mentioned in this Episode:

Stephanie Ravenscraft https://stephanieravenscraft.com

Tony Robbins https://tonyrobbins.com

The Dividend of Discipline. 

In this episode of Adding Up The Podcast, I give a financial update. It's time to celebrate no longer having 2 credit cards, but also acknowledge that there is still one more credit card to go. 

I also take you through step by step, the new habits I have created to save money and pay down debt. The challenges that have also come from creating new habits. The challenge of getting uncomfortable and the power of challenging myself to the game of mastering the weekly grocery shop that has led to unexpected benefits.

Personally the power of this episode is to remind myself of how far I have come, and to remind myself it's not easy but it is worth it. Having discipline with my finances is paying dividends.