I’m super excited to announce that I’ve gone international with the podcast for the very first time!

Marjolein is a Money Coach from The Netherlands and is the founder of Intentional Millennial. 

Marjolein helps time-poor Gen Y and Gen Z women to create SIMPLE financial freedom strategies. She also helps them to get ahead financially without sacrificing what they love! 

In the episode, we spoke about how to change your mindset around money, how to take control of your finances and how to live a fulfilled life whilst saving.

The common question Marjolein gets asked is how to manage your money, especially from people who earn a good income but have no idea where their money is going.

So many of us are living from paycheque to paycheque. Being intentional with our money would mean we have more money at the end of our month; as opposed to more month at the end of our money! 

Money gives us choices, and it’s up to us to decide how to spend it. Is what you’re spending money on in line with what you want in life? Remember that money is a tool; not a goal. It’s not a bad thing to spend money, but it’s about prioritising what you spend your money on. 

It’ll be far less painless to eliminate spending money on things you don’t really want, rather than going cold turkey and not spending money on yourself at all. Give yourself the best chance of progress to prevent relapsing!

Ask yourself, what is it you really care about? What could you sacrifice without missing it too much?

Anything you buy, invest or spend money on, make sure you enjoy it to its fullest! Otherwise what's the point?! If you have guilt and remorse, lean into this and ask yourself, "why am I feeling this way?".

You don't need to buy things to fit in with the status quo. Instead, spend money on things that YOU enjoy! Not everyone gets the same value from the same purchase anyway.

Become aware of the motive behind your purchasing, is it for external validation? Is it to fill a void? Could that void be filled by doing something that doesn't cost money?

You don't need to become obsessed with your financial situation, Marjolein recommends to set it and forget it. Once a year, she sets a yearly budget and splits her money into different bank accounts, which ensures that she stays on track.

If your grocery bill has gone through the roof during this time, like it has for Marjolein and I, stick to a list of your regular food items. 

Also, don't get tempted by discounted items as if you bought something you didn't need, you didn't actually save any money, you spent money!

If you're getting inundated with emails from clothing, food or homeware companies, or even coaches and gurus offering their amazing programs, unsubscribe so you don't get tempted! 

When setting financial goals, think about why you want a certain amount of money. The motive behind it is probably the lifestyle it'll provide rather than the actual money, because money is just paper. So ask yourself, could I tap into that lifestyle today? If it's freedom that you want, I'm pretty sure you could tap into this today, even in a really small way.

Surround yourself with people who have a similar budget, not income!

Podcast recommendations –

Journey To Launch

Positivity and Prosperity

Book recommendation –

Your Money Or Your Life

Mindful Money

Start Now, Get Perfect Later