Girl on FIRE

This episode discusses topics like:

🌟 What affirmations are and how they can help you achieve your goals;

🌟 Why some financial affirmations circulating the finfluencer community are examples of toxic positivity; and

🌟 The mindset shift you need to be able to reach your goals and build the life of your dreams.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof50 

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

02:09 How Do Affirmations Work?

03:40 Financial Affirmations

05:03 Toxic Positivity and Financial Affirmations

13:29 Growth Mindset

15:34 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

This episode discusses topics like:

🌟 What ‘paying yourself first’ means and what to look out for when you try implementing this rule in your budgeting system;

🌟 How to start paying yourself first if you’ve never done it before; and

🌟 Whether paying yourself first really works.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof49 

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

04:00 What Is the ‘Paying Yourself First’ Rule?

05:36 Does the ‘Pay Yourself First’ Rule Really Work?

06:31 How to Get Started With Paying Yourself First

08:22 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

This episode discusses topics like:

🌟 The real reason why your favourite retailers are offering AfterPay and other buy now, pay later services;

🌟 Why shopping with AfterPay is like a kid throwing a tantrum; and

🌟 Why AfterPay and other buy now, pay later services are a gateway drug to total financial ruin.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof48

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

What is AfterPay?: https://www.choice.com.au/shopping/online-shopping/buying-online/articles/what-is-afterpay

ASIC Study — Buy Now, Pay Later: An Industry Update: https://asic.gov.au/media/5852803/rep672-published-16-november-2020-2.pdf

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

04:27 What Is AfterPay?

07:01 ASIC Study of Buy Now, Pay Later Industry

12:02 Sponsor - Camp FIRE

13:20 Why Is AfterPay Financially Toxic?

23:42 Is Using AfterPay Ever Okay?

25:26 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

This episode discusses topics like:

🌟 Why you turn towards retail therapy when you’re having a bad day;

🌟 When retail therapy can be damaging to your finances and your life goals; and

🌟 How to keep your spending under control (without giving it up altogether).

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof47

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

Psychology Today: Why “Retail Therapy” Works: https://www.psychologytoday.com/au/blog/the-why-behind-the-buy/201305/why-retail-therapy-works 

Healthline: Retail Therapy: Bad Habit or Mood Booster?: https://www.psychologytoday.com/au/blog/the-why-behind-the-buy/201305/why-retail-therapy-works

Cleveland Clinic: Why Retail “Therapy” Makes You Feel Happier: https://health.clevelandclinic.org/retail-therapy-shopping-compulsion/ 

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

02:36 What Is Emotional Spending?

03:41 Does Retail Therapy Work and Is It Really That Bad?

08:10 Why Emotional Spending / Retail Therapy Can Be Dangerous to Your Finances

13:12 Sponsor - Camp FIRE

14:19 How to Spot Emotional Spending

16:53 How to Overcome Emotional Overspending

21:39 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

This episode discusses topics like:

🌟 Why most resolutions and changes you make in your life and finances don’t last more than a few weeks;

🌟 Why your personality might be holding you back from achieving your goals and living the life you want; and

🌟 How to deal with obstacles that are standing between you and your dream life.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof46

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

Psychology Today: Why Most New Year’s Resolutions Fail: https://www.psychologytoday.com/au/blog/what-mentally-strong-people-dont-do/201912/is-why-most-new-years-resolutions-fail 

Gretchen Rubin’s Four Tendencies Quiz: https://quiz.gretchenrubin.com 

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

03:38 There’s Nothing Magical About January 1st

04:39 Yes, Get Clear on Your “Why”, But…

09:02 1. Change Yourself Before You Change Your Life

11:35 Sponsor - Camp FIRE

12:42 2. Create an Accountability Structure to Support & Sustain You

15:06 3. Address the Barriers That Are Holding You Back

18:19 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

This episode discusses topics like:

🌟 Why travelling is better when you have more money to spend;

🌟 Why I prioritise spending money on experiences rather than material things; and

🌟 Why learning to set and enforce boundaries is more important now more than ever.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof45

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

04:05 1. Travelling Is Better When You Have More Money

05:22 2. Experiences Are Better Than Material Things

07:58 Sponsor - Camp FIRE

09:10 3. It’s Okay to Splurge at Times

10:40 4. There’s More to Life Than Just Earning Money to Pay the Bills

12:36 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

🎙 We’re back from our end of season break and season 2 is going to be better than ever! This week, we’re kicking things off with a checklist of 8 simple things you can do right now to set yourself up for financial success in 2022. 🤔

This episode discusses topics like:

🌟 How to make sure your emergency fund is ready for the new year and any changes in your life;

🌟 How to make sure you’re budgeting for the right expenses and filling in any holes in your budget; and

🌟 How to start budgeting and planning for a life you love on a budget you can afford.

Links from this episode:

Episode transcript and show notes (all listeners can access the Deluxe Edition of Girl on FIRE transcript notes for FREE for this episode only — normally reserved exclusively for Campers): https://www.papermoneyco.com/transcript

Emergency Funds: https://www.papermoneyco.com/gof6

Goals and Sinking Funds: https://www.papermoneyco.com/gof40

Ready to finally take control of your money and build the life of your dreams? Join Camp FIRE! Camp FIRE is the premier membership community helping you get your money under control and reach your goals for a happy and fulfilling life. With tons of masterclasses, bonus content, spreadsheets, accountability and fun, get ready to say YES to a life you love. Become a Camper now for just $4.99 a month (or get 2 months of membership for free when you pay yearly): https://www.papermoneyco.com/campfire

Credits:

Producer: Gonzalo Araya

Editor: Gonzalo Araya

Time codes:

00:00 Hello and Welcome!

02:32 1. Review Emergency Fund for Updates & Inflation

05:56 2. Review Expenses for Averages That Need to Be Budgeted

10:25 3. Check Bill Tracker for Any New Bills That Need to Be Added / Cancelled

11:39 4. Organise and File Important Documents

12:33 Sponsor - Camp FIRE

13:48 5. Shop Around for Cheaper Bills

14:48 6. Set Goals for the Year Ahead

18:00 7. Set Up Sinking Funds for All Your Goals

18:54 8. Look for Better HYSA

19:45 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

🎙 This week, is the season finale of the first season of Girl on FIRE. And to mark the special occasion, I’m finishing off the season with part 2 of my 2-part series where I share 30 lessons about life and money I’ve learned in 30 years of roaming the planet. 🤔

This episode discusses topics like:

🌟 The #1 quote I remind myself of everyday to make sure I’m living the best life I possibly can;

🌟 What I’ve learned about work / life balance and how to really create balance in your life; and

🌟 The philosophy I live my life by.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof43

Time codes:

00:00 Hello and Welcome!

01:30 Life Lessons

02:42 16) No Amount of Money Will Buy You a Second of More Time

03:14 17) You Will Be Judged Either Way

03:28 18) You Can Always Make More Money

03:56 19) What You Allow Is What Will Continue

04:35 20) Work / Life Balance Is a Dirty Lie

05:29 21) Who Says That I Have to Work All My Life Until Retirement?

06:23 22) You Are Your Own Best Advocate

07:02 23) Have Determination and Courage

07:30 24) Your Life Is Never Out of Control, What Matters Is Who Has It

08:48 25) Nobody Gets to Tell Me What I’m Capable of or Tell Me My Worth

09:19 26) You’re Never Too Old to Love a Soft Toy

09:40 27) Blood Isn’t Thicker Than Water

10:05 28) People Come and Go, Spend Your Energy on Those Who Choose to Stay

10:49 29) Life Is Too Short, Live It for You

11:20 30) You Only Live Once, but if You Do It Right, Once Is Enough

11:40 Season Finale

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

🎙 This week, I’m kicking off a 2-part series to end the first season of Girl on FIRE with a bang! As I prepare to celebrate my 30th birthday, I wanted to share some lessons and wisdom I’ve learned about money in my 30 year trip around the sun. 🤔

This episode discusses topics like:

🌟 The #1 lesson I learned about money that has shaped all the decisions I’ve made in my life since then;

🌟 Lessons I’ve learned about being an independent, feminist woman and money; and

🌟 Why fighting about money with your partner is never really about money.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof42

Time codes:

00:00 Hello and Welcome!

01:14 Money Lessons

02:46 1) Money Isn’t Guaranteed to Anyone

03:43 2) Money May Not Buy Happiness but It Does Buy Everything Else

04:32 3) Always Follow the Money and See Where It Goes

05:09 4) Money Is Meant to Be Spent

05:59 5) Financial Security Is Important for a Stress Free Life

06:49 6) All Women Should Have and Control Their Own Money

07:51 7) Earn and Spend Your Own Money

08:07 8) Fighting About Money Is Really About Something Deeper

09:04 9) Just Buy the Damn Thing

09:59 10) Learning How to Save Money Is an Essential Lifelong Skill

10:25 11) There’s No Glory in the Rat Race

11:15 12) Dig Up Your Own Carrot

12:02 13) Don’t Apologise If You Out Earn Your Husband

13:23 14) Popular Rich White Men Are Not Always Right

13:52 15) Follow Your Dreams on Your Own Dime

14:57 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.

🎙 This week, we’re talking about how you can choose which ETFs to invest in. We’ve talked about the magic of ETFs many times on this show, but when it comes to actually investing in them, it can be hard to choose which ETFs to purchase. There are tons of options out there and it’s easy to get overwhelmed or confused, especially for beginners. So, how do you know which ETFs you should consider investing in? 🤔

This episode discusses topics like:

🌟 What costs you need to look out for when choosing ETFs and what they mean;

🌟 How to narrow down your choices based on your investing strategy and avoid a ton of overwhelm; and

🌟 How to determine which ETFs make solid investments and support your values.

Links from this episode:

Episode transcript and show notes: https://www.papermoneyco.com/gof41

Time codes:

00:00 Hello and Welcome!

02:34 Your Investing Strategy

05:43 Reviewing Potential ETFs to Invest In

09:27 Next Weeks’ Episode

Remember to:

🤩 Subscribe so you don’t miss any future episodes.

🏆 Rate and review the show on Apple Podcasts: https://www.papermoneyco.com/podcastreview

Podcast reviews are crazy important to the iTunes algorithm. The more reviews we receive, the more likely we’ll be able to get this podcast in front of more people and grow the PMC Squad!

💖 I'd be super grateful for your help in making financial education available to everyone.

The advice shared on Girl on FIRE is general in nature and does not constitute financial advice. The information shared does not consider your individual circumstances. Girl on FIRE exists purely for educational purposes and should not be relied upon to make an investment or financial decision.