Good With Money

Welcome back to The Comments Section! Emma and Victoria are dishing out another snack platter of chaos, starting with the glittering promises of the vitamin industry. From “energy boosters” to “skin saviors,” we’re pulling apart the marketing fluff and sharing our real experiences (spoiler: we’re still waiting for that miracle transformation). Are these pricey pills worth it, or is your fantasy self buying into the hype? Then we switch gears to the manicure paradox - the love-hate cycle of salon nails. DIY gel kits, builder gels, and pro shaping skills - what’s really worth your time, energy, and coin? Plus, we talk about finding a balance between aesthetics and practicality, whether it’s sticking with simple staples or treating yourself to the occasional indulgence.

Grab your Sicilian olives and settle in for a zesty chat!

With thanks to our sponsors, Wallace Advocates and Lending Solved.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

Victoria has also been a busy bee and written a whole damn book! You can pre-order here: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.

The annual Black Friday episode is hereeeeee and I have got a juicy episode to help you stay financially savvy this sale season. Sales have started earlier than ever this year, so I'm dropping this episode slightly early to help you navigate it.

I take you through some of the research and predictions about Black Friday 2024 spending, and then share 5 practical tips, 5 mindsets to embrace, and 5 traps to avoid.

Highlights:

• Why this particular Black Friday is dangerous for our emotions, coming off the back of the US election and a worrying economic outlook
• Are our intentions around Black Friday spending actually playing out in our behaviour?
• Some research suggests we will see more spending than Black Friday 2023, especially in a younger cohort
• The surprising reason sales have started earlier than ever
• Why brands are having to get more creative to get us to buy – and why it's working
• How to navigate your emotions around sale season spending
• Managing loss aversion and regret avoidance
• Remembering that life goes on
• Double dipping with cashback and gift card discounts
• Why browsing is the real danger zone
• Supplementary spending, momentum spending and spending runways
• The difference between discounts and savings

Mentioned in this episode:

Join TopCashback for a $10 cashback bonus: https://www.topcashback.com.au/ref/thebrokegen 

Join ShopBack  to get cashback on your purchases ($5 bonus in new user challenge): https://app.shopback.com/6HkWpKKpPOb

Order my book, Good with Money: https://amzn.to/4eLOi5x 

UK Preorder competition: win a Dyson Airwrap! https://www.johnmurraypress.co.uk/landing-page/good-with-money-pre-order-competition/ 

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, 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.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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See 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.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.

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.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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See 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 

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.

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/podcast
Instagram: https://www.instagram.com/laura_ann_moore
Tiktok: https://www.tiktok.com/@lauraannmoore

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 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.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 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.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 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-project

See omnystudio.com/listener for privacy information.