Good With Money

In this episode I'm taking you through some advice I use in my Wardrobe Project behaviour change program about how to break the habit of buying your confidence on a rack. I spent years outsourcing my confidence and my identity to consumption, most notably clothing consumption, and it not only drained my bank account, but kept me stuck in a cycle of never being good enough. I'll take you through 14 things, from practical tips to mindset shifts, to help you embrace confidence outside of consumption.

Mentioned in this episode: 

• Christine Buzan: https://www.instagram.com/thechristinebuzan/
• Join the waitlist to be the first to know when the next round of The Wardrobe Project is enrolling: https://mailchi.mp/7dbdeba873ab/atq5ho25bz

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.brokegeneration
TikTok: 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.

In this episode, I explore the idea of "quiet quitting" beyond the workplace and how it applies to our consumption habits. Inspired by a recent newsletter on stepping back from the beauty hamster wheel, can a change in mindset help us break free from the cycle of overconsumption and superficial self-care? I share practical strategies for assessing what genuinely adds value to our lives, like simplifying beauty routines and scrutinising our purchases. From questioning the necessity of trendy beauty treatments to evaluating convenience-driven consumption, I show how adopting a quiet quitting attitude has empowered me to make more intentional choices, and you can too! 

Episode highlights:

• Practical tips on simplifying beauty routines and scrutinising purchases.
• How convenience-driven consumption impacts spending.
• Actionable strategies for making better choices about consumption.

“I was able to identify that the thing compelling me to pay for that, or to consider getting that treatment, was because I felt pressure that everybody else was."
Emma [12:26]

“All of these things are priming us to become these convenience seeking consumers like it doesn't serve us."
Emma [20:08]

“Is this really expressing myself? …Can I really see beyond this one decision and really can I really make sense of what I'm actually trying to do with this consumption decision."
Emma [25:38]

Book mentioned: Indistractable by Nir Eyal

Follow for help with your fashion footprint: curatedwardrobe.au

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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'm taking you through 9 practical ways to learn to SPEND money like a financially confident queen – because when we SPEND money effectively, we can do everything else much better, too.

Highlights:

• Why learning to spend money is paramount to learning to save and invest
• Countering values-based spending with anti-values sacrifices
• Identifying and eliminating a scarcity mindset
• Knowing your numbers
• Setting up your financial ecosystem for success

Mentioned in this episode: expense streamlining calculator buymeacoffee.com/thebrokegen/e/310925

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.brokegeneration
TikTok: 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.

In this episode 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 

Order GOOD WITH MONEY: https://amzn.to/4eLOi5x 

Where to find Emma

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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.

We all know that dopamine drives our spending, whether it’s impulse shopping, online browsing, or grabbing a little treat just because. That quick hit of excitement can make spending feel effortless, while saving? Not so much. But what if we could flip the script and make saving just as rewarding as swiping our card?

This week, I’m unpacking how to retrain your brain to crave financial wins instead of spending sprees. By understanding the psychology behind our money habits, we can start making small shifts that give us that same dopamine rush, not from spending, but from watching our savings grow.

I'm covering:

• Why we’re wired to seek dopamine from spending
• How to make saving feel just as rewarding
• Simple ways to gamify your savings

If you’ve ever struggled to break the cycle of impulse spending, this one’s for you!

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.brokegeneration
TikTok: 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.

This week's Friday Fave is an episode on how our fantasy self shows up in our spending habits! We're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives.

Today I’m covering:

• Understanding the Fantasy Self
• Common Categories Where the Fantasy Self Shows Up
• How to Dismantle Your Fantasy Self

Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: 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'm taking you through 5 things I've learned since starting to track my spending again as part of running Smart Spenders Club! 

Highlights:

• how tracking can provide a helpful behaviour modifier
• why visuals can help you connect to the impact of your spending
• the dangers of avoidance and how tracking helps you face the music

Smart Spenders Club has closed for enrolment now, but stay tuned for a potential second round later this year.

See omnystudio.com/listener for privacy information.

Over the next 10 weeks, we're hitting replay on 10 of your most loved episodes, to give a little extra love to the eps that made the most difference in your lives and your finances throughout the four (yes FOUR!!) years of The Broke Generation podcast. 

First up we've got one of the most listened to eps of the podcast EVER... my round up of my year long wardrobe freeze. If you're new here, you're gonna love this one. If you've listened before, let it hit in a whole different way. 

Thank you so much for listening to the podcast and being a part of the gang – I so appreciate you! To celebrate the best eps of the last four years, why not share the podcast with a friend to help us reach more people!? 

See omnystudio.com/listener for privacy information.

A common dilemma that plagues many of us on our journey to getting good with money is this: we finally save up some money, feel our first sense of financial confidence, finally start to feel things clicking into place... and then suddenly feel immense guilt and ickiness when it comes to spending money on things, even if we've saved up for them! 

This feeling is complete and utter proof of how money is NOT rational. In a purely mathematical sense, having money saved up for something is endlessly easier than living in a state of financial chaos. AND YET, so many of us save up for something for the first time ever, and when the time comes to spend that money, OOP, we feel horrible. Not cool, brain, not cool. 

In this episode I unpack this dilemma and explore ways to move through it and come out the other side financially confident and empowered. 

Highlights:

• How our natural loss aversion comes into play
• The emotional tension between spending and saving
• Letting go of binary thinking in all areas of our finances
• Why a good relationship with money ALWAYS needs nuance
• Gradually desensitising yourself from the ickiness
• Ways to organise our money so we're just the right amount of connected, and disconnected, with our finances.

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.brokegeneration
TikTok: 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 taking you through 7 things I've learned in business that will supercharge your personal finances. Your mindset and perspective around money is super important in achieving financial confidence, and these 7 things I've picked up on since being a business owner stand out to me as things we can apply to our personal finances too.

Highlights:

• Treating your life like a business to give you the clarity you need for success
• Allocating funds to your different life "departments"
• Being proactive and reactive accordingly
• Investing in growth and efficiency
• Adopting a "margin mindset"
• Identifying when your lifestyle isn't viable (and what to do instead)
• Viewing things from a big picture perspective by taking an annual approach to expenses

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.brokegeneration
TikTok: 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.